{"uin":"ICIHLIP25046V012425","name":"Activate Booster_CIS Plan A_ ICIHLIP25046V012425","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425","insurer":{"slug":"icici-lombard-general-insurance","name":"ICICI LOMBARD General Insurance Company Limited","url":"https://indiainsurances.com/insurer/icici-lombard-general-insurance"},"line":"health","category":"health-topup","category_name":"Top-up and super top-up","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Activate Booster is a health indemnity top-up policy with Plan A and Plan B and an aggregate deductible before benefits are payable. The base cover pays hospitalisation expenses in India, with Plan A showing 90 days pre-hospitalisation and 180 days post-hospitalisation cover and Plan B showing 60 days and 90 days.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:29:47.449018+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Activate Booster Plan A","Activate Booster Plan B"],"display":"Activate Booster Plan A; Activate Booster Plan B","note":null,"quote":"Name of Insurance Product/Policy: Activate Booster Plan A ... Name of Insurance Product/Policy: Activate Booster Plan B","sources":[{"clause":"Row 1","heading":"Name of Insurance Product/Policy: Activate Booster Plan A","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20258#c-row-1"},{"clause":"Row 1","heading":"Name of Insurance Product/Policy: Activate Booster Plan B","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20260#c-row-1"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"One year, two years or three years.","display":"1 year, 2 years or 3 years","note":null,"quote":"Policy Tenure : You can opt for a Policy with Policy period of one year or two years or three years","sources":[{"clause":"1","heading":"Policy Tenure","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20459#c-1-2"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For cashless treatment, pre-authorisation must be requested at least 48 hours before planned hospitalisation and within 24 hours of hospitalisation in an emergency. For reimbursement, the policy says to give notice to the insurer or in-house claim processing team and submit claim documents within 30 days of discharge, or within 30 days from completion of the post-hospitalisation period for post-hospitalisation expenses.","display":"Cashless: 48 hours before planned hospitalisation or within 24 hours of emergency hospitalisation; reimbursement documents within 30 days of discharge","note":null,"quote":"You must request preauthorization at least 48 hours before a planned Hospitalization and in case of an emergency situation, within 24 hours of Hospitalization. ... You or someone claiming on Your behalf must promptly and in any event within 30 days of Your discharge from a Hospital (for post-hospitalization expenses, within 30 days from the completion of post-hospitalization period) deliver to Us the documentation","sources":[{"clause":null,"heading":"Pre-authorization","page":75,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-pre-authorization"},{"clause":null,"heading":"B. For Reimbursement Settlement","page":76,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-b-for-reimbursement-settlement"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly completed Claim form signed by You and the Medical Practitioner","Original bills, receipts and discharge certificate/ card from the Hospital/ Medical Practitioner","Original bills from chemists supported by proper prescription.","Original investigation test reports and payment receipts.","Indoor case papers","Medical Practitioner's referral letter advising Hospitalization in non-Accident cases.","Any other document as required by Us or to investigate the Claim or Our obligation to make payment for it"],"display":"Claim form, original hospital bills/receipts/discharge card, chemist bills with prescription, investigation reports and receipts, indoor case papers, referral letter for non-accident hospitalisation and any other required document","note":null,"quote":"1. Duly completed Claim form signed by You and the Medical Practitioner. The claim form can be downloaded from our website www.icicilombard.com\n2. Original bills, receipts and discharge certificate/ card from the Hospital/ Medical Practitioner\n3. Original bills from chemists supported by proper prescription.\n4. Original investigation test reports and payment receipts.\n5. Indoor case papers\n6. Medical Practitioner's referral letter advising Hospitalization in non-Accident cases.\n7. Any other document as required by Us or to investigate the Claim or Our obligation to make payment for it","sources":[{"clause":null,"heading":"2. Claim Documents","page":77,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-2-claim-documents"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"For cashless requests through empanelled network hospitals with complete documents and information, the insurer says it will respond within 1 hour of actual receipt and grant final authorisation within three hours of receipt of discharge authorisation request. Reimbursement claims are processed within 15 days of receipt of the claim along with claim form and documents.","display":"Cashless response within 1 hour and final authorisation within three hours; reimbursement claim processed within 15 days of receipt of claim with form and documents","note":null,"quote":"We will respond within 1 hours of the actual receipt of such pre authorization request Further, we shall grant final authorization within three hours of the receipt of discharge authorization request from the hospital. ... The claim will be processed within 15 days of receipt of claim along with claim form and documents.","sources":[{"clause":null,"heading":"Pre-authorization","page":75,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-pre-authorization"},{"clause":null,"heading":"B. For Reimbursement Settlement","page":76,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-b-for-reimbursement-settlement"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Pre-Existing Diseases - Code- Excl01","Specified disease/procedure waiting period/Specific waiting period- Code- Excl02","30-day waiting period- Code- Excl03","Investigation & Evaluation- Code- Excl04","Rest Cure, rehabilitation and respite care- Code- Excl05","Change-of-Gender treatments: Code- Excl07","Cosmetic or plastic Surgery: Code- Excl08","Hazardous or Adventure sports: Code- Excl09","Breach of law: Code- Excl10","Excluded providers: Code- Excl11","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code- Excl12","Any expenses incurred on Out Patient treatment. This exclusion will not be applicable in case optional cover 3. BeFit has been opted","Treatment taken outside the geographical limits of India.","Intentional self-injury (whether arising from an attempt to commit suicide or otherwise)","Deductible: We shall not be liable for the Deductible amount as specifically defined in Policy Schedule"],"display":"Waiting periods, standard exclusions and product exclusions include PED, specified diseases, 30-day illness waiting period, investigation/evaluation, rest cure, gender change, cosmetic surgery, hazardous sports, breach of law, excluded providers, alcohol/drug abuse, OPD unless BeFit is opted, treatment outside India, intentional self-injury and the deductible.","note":null,"quote":"Excl01 Pre-Existing Diseases - Code- Excl01 ... Excl02 Specified disease/procedure waiting period/Specific waiting period- Code- Excl02 ... 4. 30-day waiting period- Code- Excl03 ... Excl04 Investigation & Evaluation- Code- Excl04 ... Excl05 Rest Cure, rehabilitation and respite care- Code- Excl05 ... Excl07 Change-of-Gender treatments: Code- Excl07 ... Excl08 Cosmetic or plastic Surgery: Code- Excl08 ... Excl09 Hazardous or Adventure sports: Code- Excl09 ... Excl10 Breach of law: Code- Excl10 ... Excl11 Excluded providers: Code- Excl11 ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code- Excl12 ... Any expenses incurred on Out Patient treatment. This exclusion will not be applicable in case optional cover 3. BeFit has been opted ... Treatment taken outside the geographical limits of India. ... Intentional self-injury (whether arising from an attempt to commit suicide or otherwise) ... Deductible: We shall not be liable for the Deductible amount as specifically defined in Policy Schedule","sources":[{"clause":"Excl01","heading":"Pre-Existing Diseases - Code- Excl01","page":59,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-excl01"},{"clause":"Excl02","heading":"Specified disease/procedure waiting period/Specific waiting period- Code- Excl02","page":60,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-excl02"},{"clause":null,"heading":"4. 30-day waiting period- Code- Excl03","page":61,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-4-30-day-waiting-period-code-excl03"},{"clause":"Excl04","heading":"Investigation & Evaluation- Code- Excl04","page":61,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care- Code- Excl05","page":61,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-excl05"},{"clause":"Excl07","heading":"Change-of-Gender treatments: Code- Excl07","page":62,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-excl07"},{"clause":"Excl08","heading":"Cosmetic or plastic Surgery: Code- Excl08","page":62,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-excl08"},{"clause":"Excl09","heading":"Hazardous or Adventure sports: Code- Excl09","page":62,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-excl09"},{"clause":"Excl10","heading":"Breach of law: Code- Excl10","page":62,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-excl10"},{"clause":"Excl11","heading":"Excluded providers: Code- Excl11","page":62,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-excl11"},{"clause":"22","heading":null,"page":64,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-22"},{"clause":"25","heading":null,"page":64,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-25"},{"clause":"31","heading":"Intentional self-injury (whether arising from an attempt to commit suicide or otherwise)","page":65,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-31"},{"clause":"33","heading":"Deductible","page":65,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-33"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First complain to ICICI Lombard through its website, toll-free number, email, address or branch grievance cell. If not satisfied, contact the grievance redressal officer, then IRDAI/Bima Bharosa or the Insurance Ombudsman.","display":"Contact ICICI Lombard first by website, toll free 1800 2666, email customersupport@icicilombard.com, address or branch grievance cell; then GRO, IRDAI/Bima Bharosa or Ombudsman","note":null,"quote":"ln case of any grievance the insured person may contact the Company through Website: www.icicilombard.com Toll free: 1800 2666 Email: customersupport@icicilombard.com ... lnsured person may also approach the grievance cell at any of the company's branches with the details of grievance. ... lf lnsured person is not satisfied with the redressal of grievance ,insured person may contact the grievance redressal officer","sources":[{"clause":null,"heading":"14. Nomination","page":69,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-14-nomination"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"Minimum Sum Insured is ₹10,00,000 and Maximum Sum Insured is Unlimited.","display":"Minimum ₹10,00,000; maximum Unlimited","note":null,"quote":"Minimum Sum Insured : ₹10,00,000 Maximum Sum Insured : Unlimited","sources":[{"clause":"3","heading":"Annual Sum Insured","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20459#c-3-2"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":"Excl02(a)","heading":null,"page":61,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-excl02-a-3"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"The optional Waiting Period Reduction Option can reduce this to 24 months or 12 months for declared and accepted pre-existing diseases if opted.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with insurer as selected by the Insurer","sources":[{"clause":"Excl01","heading":"Pre-Existing Diseases - Code- Excl01","page":59,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-excl01"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":"The optional Specific Illness Waiting Period Reduction Option reduces the Excl02 waiting period from 24 months to 12 months if opted. Hypertension, diabetes and cardiac conditions have a separate 90-day exclusion unless pre-existing and disclosed.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with us. This exclusion shall not be applicable for claims arising due to an accident. ... If the Insured Person has opted for this Optional Cover, the waiting period applicable under Exclusion- Specified disease/procedure waiting period (Code- Excl02) shall be reduced from 24 months to 12 months.","sources":[{"clause":"Excl02(a)","heading":null,"page":60,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-excl02-a"},{"clause":null,"heading":"14. Specific Illness Waiting Period Reduction Option","page":57,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-14-specific-illness-waiting-period-reduction-opt"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Any types of gastric or duodenal ulcers","Benign prostatic hypertrophy","All types of sinuses","Hemorrhoids","Dysfunctional uterine bleeding","Endometriosis","Stones in the urinary and biliary systems","Surgery on ears/tonsils/adenoids/ paranasal sinuses","Cataracts,","Hernia of all types and Hydrocele","Fistulae in anus","Fissure in anus","Fibromyoma","Hysterectomy","Surgery for any skin ailment","Surgery on all internal or external tumours/ cysts/ nodules/polyps of any kind including breast lumps with exception of Malignancy","Dialysis required for Chronic Renal Failure.","Joint Replacement Surgeries unless necessitated by Accident happening after the Policy risk inception date.","Dilatation and curettage","Varicose Veins and Varicose Ulcers","Non Infective Arthritis and other form arthritis","Gout and Rheumatism","Prolapse inter Vertebral Disc and Spinal Diseases including spondylitis/spondylosis unless arising from Accident"],"display":"Gastric/duodenal ulcers, BPH, sinuses, hemorrhoids, dysfunctional uterine bleeding, endometriosis, urinary/biliary stones, ENT sinus surgery, cataracts, hernia/hydrocele, fistula/fissure in anus, fibromyoma, hysterectomy, skin surgery, tumours/cysts/nodules/polyps, chronic renal failure dialysis, joint replacement, D&C, varicose veins/ulcers, non-infective arthritis, gout/rheumatism, prolapsed intervertebral disc and spinal diseases","note":null,"quote":"1. Any types of gastric or duodenal ulcers\n2. Benign prostatic hypertrophy\n3. All types of sinuses\n4. Hemorrhoids\n5. Dysfunctional uterine bleeding\n6. Endometriosis\n7. Stones in the urinary and biliary systems\n8. Surgery on ears/tonsils/adenoids/ paranasal sinuses\n9. Cataracts,\n10. Hernia of all types and Hydrocele\n11. Fistulae in anus\n12. Fissure in anus\n13. Fibromyoma\n14. Hysterectomy\n15. Surgery for any skin ailment\n16. Surgery on all internal or external tumours/ cysts/ nodules/polyps of any kind including breast lumps with exception of Malignancy\n17. Dialysis required for Chronic Renal Failure.\n18. Joint Replacement Surgeries unless necessitated by Accident happening after the Policy risk inception date.\n19. Dilatation and curettage\n20. Varicose Veins and Varicose Ulcers\n21. Non Infective Arthritis and other form arthritis\n22) Gout and Rheumatism 61\n23) Prolapse inter Vertebral Disc and Spinal Diseases including spondylitis/spondylosis unless arising from Accident","sources":[{"clause":"Excl02(f)","heading":null,"page":60,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-excl02-f"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"For enhanced sums insured, sixty continuous months applies from the date of enhancement only on the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud.","sources":[{"clause":null,"heading":"12. Moratorium Period","page":69,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-12-moratorium-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured may port the entire policy with all family members to another insurer by applying at least 30 days before, but not earlier than 60 days from, the renewal due date. Credits gained are transferable to the extent of the sum insured and benefits available in the previous policy, subject to underwriting, and not for enhanced sum insured.","display":"Allowed; apply 30 to 60 days before renewal and transfer credits to the extent of previous sum insured and benefits","note":null,"quote":"The insured has the choice to port his / her policies from one Insurer to another. An Insured desirous of porting his/her policy to another insurer shall apply to such insurer to port the entire policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the due date for renewal. ... The insured is entitled to transfer the credits gained to the extent of the sum insured and the benefits available in the previous policy, subject to the underwriting policy of the Company. ... This benefit is not applicable for enhanced sum insured","sources":[{"clause":"33(a)","heading":null,"page":68,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-33-a-3"},{"clause":"33(b)","heading":null,"page":68,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-33-b-3"},{"clause":"33(d)","heading":null,"page":68,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-33-d-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Yes, no maximum age limit for Renewal","note":null,"quote":"Lifetime renewability: There is no maximum age limit for Renewal.","sources":[{"clause":"2","heading":"Lifetime renewability","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20459#c-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"Renewal cannot be denied because claims were made, and the prospectus says no additional loading will be applied at renewal based on claim experience.","display":"No additional loading at renewal based on claim experience","note":null,"quote":"Renewal shall not be denied on the ground that the insured person had made a claim or claims in the preceding policy years. ... We will not apply any additional loading at renewal based on claim experience.","sources":[{"clause":"33(b)(i)","heading":null,"page":67,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-33-b-i"},{"clause":null,"heading":"ICICI Lombard General Insurance Company Limited","page":33,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20459#c-icici-lombard-general-insurance-company-limited-33"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Investigation & Evaluation- Code- Excl04","Rest Cure, rehabilitation and respite care- Code- Excl05","Obesity/ Weight Control: Code- Excl06","Change-of-Gender treatments: Code- Excl07","Cosmetic or plastic Surgery: Code- Excl08","Hazardous or Adventure sports: Code- Excl09","Breach of law: Code- Excl10","Excluded providers: Code- Excl11","Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code- Excl12","Treatments received in heath hydros, nature cure clinics, spas or similar establishments","Dietary supplements and substances that can be purchased without prescription","Refractive Error: Code- Excl15","Unproven Treatments: Code- Excl 16","Sterility and lnfertility: Code- Excl 17","Maternity: Code Excl18","War (whether declared or not) and war like occurrence or invasion","Nuclear, chemical or biological attack or weapons","Any expenses incurred on Out Patient treatment","Treatment taken outside the geographical limits of India.","Intentional self-injury (whether arising from an attempt to commit suicide or otherwise)"],"display":"Permanent exclusions include Excl04 to Excl18 and policy-specific exclusions such as war, nuclear/chemical/biological attack, OPD unless BeFit is opted, treatment outside India and intentional self-injury.","note":null,"quote":"Excl04 Investigation & Evaluation- Code- Excl04 ... Excl05 Rest Cure, rehabilitation and respite care- Code- Excl05 ... Excl06 Obesity/ Weight Control: Code- Excl06 ... Excl07 Change-of-Gender treatments: Code- Excl07 ... Excl08 Cosmetic or plastic Surgery: Code- Excl08 ... Excl09 Hazardous or Adventure sports: Code- Excl09 ... Excl10 Breach of law: Code- Excl10 ... Excl11 Excluded providers: Code- Excl11 ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code- Excl12 ... Treatments received in heath hydros, nature cure clinics, spas or similar establishments ... Dietary supplements and substances that can be purchased without prescription ... Excl15 Refractive Error: Code- Excl15 ... Excl16 Unproven Treatments: Code- Excl 16 ... Excl17 Sterility and lnfertility: Code- Excl 17 ... 19 Maternity: Code Excl18 ... War (whether declared or not) and war like occurrence or invasion ... Nuclear, chemical or biological attack or weapons ... Any expenses incurred on Out Patient treatment. ... Treatment taken outside the geographical limits of India. ... Intentional self-injury (whether arising from an attempt to commit suicide or otherwise)","sources":[{"clause":"Excl04","heading":"Investigation & Evaluation- Code- Excl04","page":61,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care- Code- Excl05","page":61,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-excl05"},{"clause":"Excl06","heading":"Obesity/ Weight Control: Code- Excl06","page":61,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-excl06"},{"clause":"Excl07","heading":"Change-of-Gender treatments: Code- Excl07","page":62,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-excl07"},{"clause":"Excl08","heading":"Cosmetic or plastic Surgery: Code- Excl08","page":62,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-excl08"},{"clause":"Excl09","heading":"Hazardous or Adventure sports: Code- Excl09","page":62,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-excl09"},{"clause":"Excl10","heading":"Breach of law: Code- Excl10","page":62,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-excl10"},{"clause":"Excl11","heading":"Excluded providers: Code- Excl11","page":62,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-excl11"},{"clause":"Excl15","heading":"Refractive Error: Code- Excl15","page":63,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-excl15"},{"clause":"Excl16","heading":"Unproven Treatments: Code- Excl 16","page":63,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-excl16"},{"clause":"Excl17","heading":"Sterility and lnfertility: Code- Excl 17","page":63,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-excl17"},{"clause":"19","heading":"Maternity: Code Excl18","page":63,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-19"},{"clause":"20","heading":null,"page":63,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-20"},{"clause":"21","heading":null,"page":64,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-21"},{"clause":"22","heading":null,"page":64,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-22"},{"clause":"25","heading":null,"page":64,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-25"},{"clause":"31","heading":"Intentional self-injury (whether arising from an attempt to commit suicide or otherwise)","page":65,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-31"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel by giving 7 days' written notice. The company refunds proportionate premium for the unexpired policy period for policies up to one year if no claim has been made, or premium for unexpired policy years for terms more than 1 year where risk coverage has not commenced, but no refund is made where any claim has been admitted or lodged or any benefit availed.","display":"7 days' written notice; proportionate unexpired premium if term up to 1 year and no claim; no refund if any claim is admitted/lodged or any benefit availed","note":null,"quote":"The policyholder may cancel this policy by giving 7 days’ written notice and in such an event, the Company shall refund premium for the unexpired policy period as detailed below- ... Refund proportionate premium for unexpired policy period, if the term of policy up to one year and there is no claim (s) made during the policy period. ... no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy.","sources":[{"clause":"33(a)","heading":null,"page":67,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-33-a-2"},{"clause":"33(a)(i)","heading":null,"page":67,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-33-a-i"},{"clause":"33(a)(ii)","heading":null,"page":67,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-33-a-ii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"Medical treatment must be taken in India only.","display":"India only","note":null,"quote":"All medical treatment for the purpose of this insurance will have to be taken in India only.","sources":[{"clause":null,"heading":"21. Territorial Limit","page":72,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-21-territorial-limit"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Not available for policies with tenure of less than a year.","quote":"Every insured of new health insurance policies, except for those policies with tenure of less than a year, shall be provided a free look period of 30 days beginning from the date of receipt of policy document, whether received electronically or otherwise, to review the terms and conditions of such policy.","sources":[{"clause":null,"heading":"4. Multiple policies","page":66,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-4-multiple-policies"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days; 15 days for monthly premium payment mode","note":"15 days where premium payment mode is monthly; 30 days in all other cases.","quote":"Grace Period for payment of premiums shall be fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"33(b)(iii)","heading":null,"page":67,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-33-b-iii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Minimum entry age is 6 years for an individual. Children between 91 days and 5 years can be insured only under a floater plan, and maximum entry age is up to 125 years.","display":"Minimum 6 years for individual; 91 days to 5 years only under floater; maximum up to 125 years","note":"Maximum age for dependent children under Floater Policy is 30 years.","quote":"Entry age : This Policy can be offered to an individual with minimum age of 6 years. Maximum entry age is up to 125 years. Children between ages of 91 days to 5 years can be insured only under a floater plan only.","sources":[{"clause":"1","heading":"Entry age","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20459#c-1"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Half Yearly","Quarterly","Monthly"],"display":"Half Yearly, Quarterly or Monthly instalments","note":null,"quote":"If the insured person has opted for Payment of Premium on an installment basis i.e. Half Yearly, Quarterly or Monthly, as mentioned in Your Policy Schedule/certificate of insurance","sources":[{"clause":"33(b)(iii)","heading":null,"page":67,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-33-b-iii"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Jumpstart","Chronic Disease Management Program","BeFit","Claim Protector","Inflation Protector","Domestic Air Ambulance Cover","Nursing at Home","Compassionate Visit","Health Check-Up","Dependent Accommodation Benefit","Durable Medical Equipment Cover","Tele Consultation(s)","Waiting Period Reduction Option","Specific Illness Waiting Period Reduction Option","Room Modifier","Network Advantage","NRI Advantage - Accidental Emergencies Cover for NRI","Guaranteed Deductible Reduction"],"display":"Jumpstart, Chronic Disease Management Program, BeFit, Claim Protector, Inflation Protector, Domestic Air Ambulance, Nursing at Home, Compassionate Visit, Health Check-Up, Dependent Accommodation, Durable Medical Equipment, Tele Consultation(s), Waiting Period Reduction, Specific Illness Waiting Period Reduction, Room Modifier, Network Advantage, NRI Advantage and Guaranteed Deductible Reduction","note":"Network Advantage and NRI Advantage are stated as exceptions to the additional premium condition in the optional cover section.","quote":"1 | Jumpstart\n2 | Chronic Disease Management Program\n3 | BeFit\n4 | Claim Protector\n5 | Inflation Protector\n6 | Domestic Air Ambulance Cover\n7 | Nursing at Home\n8 | Compassionate Visit\n9 | Health Check-Up\n10 | Dependent Accommodation Benefit\n11 | Durable Medical Equipment Cover\n12 | Tele Consultation(s)\n13 | Waiting Period Reduction Option\n14 | Specific Illness Waiting Period Reduction Option\n15 | Room Modifier\n16 | Network Advantage\n17 | NRI Advantage - Accidental Emergencies Cover for NRI\n18 | Guaranteed Deductible Reduction","sources":[{"clause":"8","heading":"Optional benefits available under the policy","page":6,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-8"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the renewal grace period. If premium is paid in instalments during the policy period, the insurer says it shall offer coverage during the grace period.","display":"No renewal coverage during grace period; coverage during instalment grace period if premium is paid in instalments during the policy period","note":null,"quote":"At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy. Coverage is not available during the grace period. ... Provided the insurers shall offer coverage during grace period, if the premium is paid in installments during the policy period.","sources":[{"clause":"33(b)(iii)","heading":null,"page":67,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-33-b-iii"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"The amount (per claim or per year) that must be crossed before this policy pays. Your base policy or you pay this part.","status":"quote-verified","value":"A deductible applies on an aggregate basis for all hospitalisation expenses during the policy year. It applies on an individual basis in an individual policy and on a floater basis in a floater policy; the prospectus gives deductible options from ₹3,00,000 to ₹20,00,000.","display":"Aggregate deductible per policy year; ₹3,00,000 to ₹20,00,000","note":"Claims under optional covers are not considered for deductible.","quote":"Deductible will apply on aggregate basis for all hospitalization expenses during the policy year.\n• The deductible will apply on individual basis in case of individual policy and on floater basis in case of floater policy. ... Minimum: ₹ 3,00,000 Maximum: ₹ 20,00,000","sources":[{"clause":"9(b)(i)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-9-b-i-4"},{"clause":"4","heading":"Deductible","page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20459#c-4-2"}],"law":[]},{"key":"deductible_basis","label":"Per claim or aggregate","section":"Limits and co-pay","meaning":"Top-up: deductible applies to each claim. Super top-up: to the total of all claims in the year.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"quote-verified","value":"Base in-patient treatment covers room rent charges up to Single Private AC room. If a higher room category or limit is used, associated medical expenses are proportionately deducted; optional Room Modifier can change eligibility to any room, twin sharing room, or 1% of Annual Sum Insured for normal room and 2% for ICU per day.","display":"Up to Single Private AC room; optional Room Modifier can change to any room, twin sharing room, or 1% of Annual Sum Insured for normal room and 2% for ICU per day","note":"Room Modifier is optional and changes the base room rent answer only if opted.","quote":"Room Rent charges up to Single Private AC room; ... If the Insured Person has opted for this Optional Cover, the Insured Person shall have an option:\nA. To Modify the room rent eligibility to any room category without any restriction or B. To modify the room rent eligibility to twin sharing room or C. To Modify the room rent eligibility to a room rent capping of 1% of Annual Sum Insured for normal room and 2% of Annual Sum Insured for ICU per day.","sources":[{"clause":null,"heading":"1. In-patient Treatment","page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-1-in-patient-treatment"},{"clause":null,"heading":"15. Room Modifier","page":57,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-15-room-modifier"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"Share of each admissible claim you pay.","status":"quote-verified","value":"There is no zone-based co-payment. A 20% co-payment applies on each and every claim if optional Network Advantage is opted and treatment is taken in a hospital not in the Preferred Provider Network list.","display":"No zone-based co-payment; optional Network Advantage has 20% co-payment for non-Preferred Provider Network hospitals","note":"The 20% co-payment is tied to the optional Network Advantage cover.","quote":"There shall be no zone-based co-payment applicable. ... A co-payment of 20% will be applicable on each and every claim in case the treatment is taken in a hospital which is not included in the “Preferred Provider Network” List.","sources":[{"clause":null,"heading":"17. Zone based premium","page":71,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-17-zone-based-premium"},{"clause":"16(II)","heading":null,"page":58,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-16-ii"}],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless treatment is available only at a Network Provider, with pre-authorisation. The insured must contact the insurer or in-house claim processing team with policy, patient, illness/injury and hospital details, and the insurer pays the network provider directly to the extent of approved pre-authorisation.","display":"Available at Network Providers with pre-authorisation","note":null,"quote":"Cashless treatment is only available at a Network Provider (List of Network Providers is available at our website). ... Prior to taking treatment and/ or incurring Medical Expenses at a Network Provider, You must contact Us or Our in house claim processing team accompanied with full particulars namely, Policy Number, Your name, Your relationship with Policy Holder, nature of Illness or Injury, name and 76\naddress of the Medical Practitioner/ Hospital","sources":[{"clause":null,"heading":"A. For Cashless Settlement","page":75,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-a-for-cashless-settlement"},{"clause":null,"heading":"Pre-authorization","page":75,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-pre-authorization"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claims are handled by ICICI Lombard or its in-house claim processing team.","display":"ICICI Lombard / in-house claim processing team","note":null,"quote":"You shall give notice to Us or Our in house claim processing team by calling the toll free number 1800 2666 or emailing us at customersupport@icicilombard.com","sources":[{"clause":null,"heading":"B. For Reimbursement Settlement","page":76,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661#c-b-for-reimbursement-settlement"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Yes, floater cover is available","note":null,"quote":"Floater policy: You can avail a floater cover and get Your immediate family covered for the same sum insured under a single Policy by paying one premium amount.","sources":[{"clause":"3","heading":"Floater policy","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20459#c-3"}],"law":[]}],"documents":[{"kind":"wording","label":"Activate Booster_Policy Wording_ ICIHLIP25046V012425","pages":87,"fetched_at":"2026-10-20 02:47:55+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/activate-booster_policy-wording_icihlip25046v012425.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20661"},{"kind":"prospectus","label":"Activate Booster_Prospectus_ICIHLIP25046V012425","pages":43,"fetched_at":"2026-10-20 02:40:51+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/activate-booster_prospectus_icihlip25046v012425.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20459"},{"kind":"cis","label":"Activate Booster_CIS Plan A_ ICIHLIP25046V012425","pages":20,"fetched_at":"2026-10-20 02:27:37+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/activate-booster_cis-plan-a_icihlip25046v012425.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20258"},{"kind":"cis","label":"Activate Booster_CIS Plan B_ ICIHLIP25046V012425","pages":21,"fetched_at":"2026-10-20 02:27:49+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/activate-booster_cis-plan-b_icihlip25046v012425.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425/document/20260"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"ICICI LOMBARD General Insurance official website","url":"https://www.icicilombard.com","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Activate Booster_CIS Plan A_ ICIHLIP25046V012425 (UIN ICIHLIP25046V012425), IndiaInsurances, https://indiainsurances.com/policy/icici-lombard-general-insurance/activate-booster-cis-plan-a-icihlip25046v012425-icihlip25046v012425"}