Activate Booster in one table
Claim settlement and complaint figures are IRDAI-published and held centrally by nyvo, not taken from the insurer's marketing.
What Activate Booster covers
These are the terms that decide what you are actually paid when you claim. Room rent, co-pay and restoration do more to shape a settlement than the sum insured does, and they are read from ICICI Lombard's own policy wording.
Swipe the table sideways to see every column.
| Feature | This plan | What good looks like |
|---|---|---|
| What kind of plan this is | A super top-up. It pays only once the year's hospitalisation expenses, added together, cross the deductible you choose, so the year's bills up to that figure are yours. It is designed to sit on top of a base policy or an employer's cover. | Read this first – it is not a standalone policy |
| Deductible options | ₹3 lakh to ₹20 lakh, chosen at purchase | Match it to the cover you already hold |
| Waiver of deductible | An option to drop the deductible and move to a full indemnity policy for the same sum insured, without re-evaluation of health status. Only if you were first insured under this policy before 50 and have renewed without a break, and only at a renewal when the eldest insured member is 55 to 65. | Genuinely rare on a top-up |
| Sum insured | ₹10 lakh minimum; the prospectus lists the maximum as unlimited. Payable above the deductible. | Sized for a serious admission |
| Room rent | Single private room as standard, with options to modify the entitlement upward or to a 1% of sum insured cap | Confirm which option you bought |
Activate Booster waiting periods: when each part of the cover starts
Waiting periods run from the day cover began, not from the day you fall ill, and they run in parallel rather than one after another.
| Initial waiting period | 30 days from the first policy commencement date, except claims arising from an accident |
|---|---|
| Pre-existing disease | 36 months of continuous cover |
| Specified diseases and procedures | 24 months of continuous cover, reducible for additional premium |
| Hypertension, diabetes and cardiac conditions | 90 days from the first policy start, unless declared as pre-existing at underwriting; not applied after more than 12 months of continuous cover |
Activate Booster exclusions: what the plan will not pay for
Every policy carries exclusions, and they are the clauses people read for the first time at claim stage. These are the ones worth knowing before you buy.
Where Activate Booster falls short
No plan is right for everyone, and a page that only lists strengths is not much use to you. These are the gaps we would raise on a call before recommending it.
Activate Booster questions, answered
Do I need an existing policy to buy this?
In practice, yes. It only pays once the year's hospital bills, added together, cross the deductible you choose, which starts at ₹3 lakh, so everything up to that figure is yours. It is designed to sit on top of a retail policy or an employer's cover.
What is the waiver of deductible?
An option to convert the top-up into a full indemnity policy for the same sum insured, without your health being re-assessed. That matters because health reassessment is exactly what stops people upgrading cover later in life. It is open only if you were first insured under this policy before 50 and renewed without a break, and only at a renewal when the eldest insured member is 55 to 65.
What is the waiting period for pre-existing conditions?
36 months of continuous cover, which is the longest IRDAI permits. Specified diseases and procedures wait 24 months, and that can be reduced for additional premium.
What deductible should I choose?
Match it to the cover you already hold. If your base policy is ₹5 lakh, a ₹5 lakh deductible means the top-up starts roughly where the base runs out. A deductible far above your base cover leaves a gap you pay yourself.
Read it from the insurer
We summarise. The policy wording is the contract, and it is the only document that settles a dispute. These links go to the insurer's own pages.
Understand the terms before you commit
A plan page tells you what this policy does. These explain why each term matters and what it costs you when it is missing.
Other ICICI Lombard plans we have read
ICICI Lombard files these separately, and the terms differ between them. If you are choosing within the range, compare the waiting periods and the exclusions rather than the sum insured.