Health 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 Health 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.
Health 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.
Health 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 Health 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.
Health Booster questions, answered
What is the difference between the top-up and the super top-up?
The deductible. On the top-up it applies to each claim separately; on the super top-up every claim in the policy year counts towards the same one. Three admissions of ₹40,000 against a ₹1 lakh deductible pay nothing under the top-up and cross it under the super top-up. The super top-up is the version worth buying.
Do I need an existing policy to buy this?
In practice, yes. It pays only above the deductible, so claims below that figure are entirely yours. It is built to sit on top of a retail policy or an employer's cover.
Is there a maximum entry age?
No. The prospectus states no restriction on maximum entry age, which is unusual for a top-up – many close entry at 65.
What is the waiting period for pre-existing conditions?
24 months of continuous cover, which is shorter than the 36 months many top-ups apply.
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.