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ICICI Lombard Health Insurance Super Top-up Plans
Also known as the Heath Booster plan, ICICI Lombard Super Top-up Plans are extra health insurance plans that increase the coverage of your existing base health policy. It helps cover multiple hospitalizations in a policy year without paying for a full extra policy.
Benefits of ICICI Lombard Super Top-up Plans
Here are some of the benefits of ICICI Lombard Health Insurance Super Top-up Plans:
- 01
More Coverage, Less Cost
Get a higher sum insured while paying a lower premium.
- 02
Covers Multiple Hospitalizations
It pays for hospital bills in a year after your deductible limit is crossed.
- 03
Works with Any Base Policy
Can be added on top of an existing individual, family, or maternity health plan.
- 04
No Effect on Base Policy
Using the super top-up does not reduce the benefits of your main health insurance.
- 05
Pre & Post-Hospitalization
Many plans also cover medical expenses before admission and after discharge.
Health Insurance Plans By ICICI Lombard
How Super Top-up Health Insurance Works?
ICICI Lombard Health Insurance Super Top-up Plans work as follows:Choose a Deductible
Select an amount paid by you for your medical expenses.
Reach the Threshold
The plan starts only after your total hospital bills exceed the determined deductible.
Get Coverage
After crossing the deductible, the super top-up plan pays the rest of your medical bills. This payment under the Health Booster is up to your chosen sum insured.
Inclusion and Exclusions of ICICI Lombard Health Insurance Super Top-up Plans
Here is a list of common specified medical issues that are covered and not covered under ICICI Lombard Health Insurance Super Top-up Plans:
Inclusion
- In-patient AYUSH hospitalization
- Pre and post-hospitalization expenses
- Day care procedures and treatment
- Bariatric surgery cover
- Donor expenses
- Technological advancements in treatment
- In-patient treatment
- Domestic road ambulance
- Domiciliary hospitalisation
- Inpatient hospitalization for a surrogate mother
- Inpatient hospitalization for an oocyte donor
- Waiver of deductible
- Wellness program
Exclusions
- Gastric or duodenal ulcers
- Benign prostatic hypertrophy
- Sinus issues
- Hemorrhoids
- Endometriosis and dysfunctional uterine bleeding
- Stones in the urinary or biliary systems
- Ear, tonsil, adenoid, or paranasal sinus surgeries
- Cataract
- Hernia & hydrocele
- Anal fistula or fissure
- Fibromyoma & hysterectomy
- Skin ailment surgeries
- Tumor/cyst/nodule surgeries (except malignancy)
- Dialysis for chronic kidney failure
- Joint replacement (unless due to an accident after policy start)
- Varicose veins/ulcers
- Non-infective arthritis, gout, rheumatism
- Prolapsed intervertebral disc & spinal diseases (unless from an accident)
FAQs
It is the time you must wait after buying the policy before your existing health problems are covered.
Yes, but the new amount will have a fresh waiting period.
The waiting period may be reduced based on your previous coverage.
These are certain illnesses or surgeries that are covered only after 24 months from the policy start.
The longer waiting period between the two will apply before coverage begins.