Yes Bank ICICI Lombard Health Booster

Tax Benefits

• You can avail a tax-saving benefit on premium, as per Section 80D of Income Tax Act, 1961 and amendments made thereunder.

Hospital Benefits

• Hospital Daily Cash
• Convalescence Benefit
• Personal Accident Cover
• Temporary Total Disablement (TTD) Rehabilitation Cover
• Repatriation of Remains
• Critical Illness Cover
• Treatments taken outside India - Alcohol or drug abuse, Suicide or self-inflicted injuries, Dental treatment (unless it’s due to an accident), Hazardous sports, war, civil war or breach of law, Refractive error correction, hearing impairment correction

Network Hospitals

• Cashless hospitalization: Avail cashless hospitalization at any of our 6700+ health network providers

Copayment Deductibles

• Choose from flexible deductible options (3/4/5 lakhs) based on your preference.

Renewability and Coverage

• In-patient treatment: Medical expenses you incur if you are hospitalised for more than 24 consecutive hours.
• Day care treatments: Expenses for day care treatments, such as an eye operation, ligament tear surgery, or tonsillectomy. We cover 150 such day care procedures, which do not require more than 24 hours of hospitalization.
• Floater benefit: Under floater cover, you can add up to 2 adults and 3 children in a single policy.
• Relationships covered: spouse, dependent children, brother, sister, dependent parent, grandparents, grandchildren, mother-in-law, father-in-law, son-in-law, daughter-in-law, dependent brother-in-law, and dependent sister-in-law.
• In-patient AYUSH treatment: Hospitalization expenses for Ayurveda, Unani, Siddha and Homeopathy (AYUSH) treatment, on reimbursement basis.
• Donor expenses: Hospitalization expenses for undergoing an organ transplant surgery, up to sum insured.
• Pre and post hospitalization: Your medical expenses up to 60 days before and up to 90 days after hospitalization.
• Road ambulance cover: Emergency road ambulance expenses, up to 1% of your sum insured, maximum up to ₹5,000 per event.
• Pre-existing diseases: We cover disclosed and accepted pre-existing diseases after a continuous coverage of 2 years.
• Lifetime renewability: You can renew your top-up health insurance, without any restriction on age.
• Domiciliary hospitalization cover: Medical expenses during your domiciliary hospitalization up to sum insured.
• Reset benefit: For plans with deductible of ₹3 lakhs and above, we provide a reset benefit of up to 100% of the sum insured. This benefit applies in case your sum insured (including additional sum insured) is insufficient due to previous claims in that policy year. You can avail this benefit only once in a policy year.
• Wellness program: Our wellness program is designed to promote, incentivize, and reward you for your healthy behaviour through various wellness services. You can earn reward points for fitness/wellness activities and redeem them for OPD expenses.

Additional Benefits

• Enjoy a 10% discount on 2-year policies and a 12.5% discount on 3-year policies.
• Wide Healthcare Network
• Quick Claim Intimation
• Reliable Customer Support
• Health Booster is a super top-up health insurance, which covers your bill when your basic insurance plan falls short. Think of a scenario where a person is hospitalized, and the bill is 15 lakhs. His health insurance limit is only 10 lakhs. So, what happens then? He would have to pay the difference of 5 lakhs out of pocket. That’s when a Health Booster policy comes into the picture. This type of plan adds a higher sum insured at a comparatively lower premium. It gives your health insurance a boost, without stretching your budget too much.
• Health insurance top-up plans support you financially, in case of a medical emergency.