The ICICI Lombard Activate Booster Plan is a super top-up health insurance plan that provides extra financial protection when medical expenses go beyond the deductible limit that you have opted at the time of policy purchased. Active booster plan has 2 variants with Plan A and Plan B. Key feature of this plan is as follows:

1. Overall Sum Insured - The ICICI Lombard Elevate Plan provides a wide range of sum insured choices. Both Plan A and Plan B offer multiple options starting from 10 lakh and extending up to 3 crore giving individuals and families flexibility to choose a suitable protection level.
2. Deductible Options - Under this plan, policyholders can choose from different deductible amounts depending on their affordability and coverage strategy. The available deductible options generally include 3 lakh, 4 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, and 20 lakh so selecting a higher deductible may help reduce the premium cost.
3. Zone Based Co-Payment - Both Plan A and Plan B come without any zone-based co-payment restrictions. This means policyholders are not required to pay additional co-payment charges based on the city. 
4. In-Patient Hospitalization - The plan covers in-patient hospitalization expenses up to the full sum insured. This includes essential medical expenses such as hospital room rent, nursing care, doctor consultation fees, medications, and other treatment-related expenses incurred during the hospital stay.
5. Day Care Procedures - Many modern medical procedures no longer require a 24-hour hospital stay. The plan provides coverage for day care treatments, ensuring that such procedures are covered up to the available sum insured when performed in a recognized medical facility.
6. Modern Treatments – This plan ensures that policyholders can access modern healthcare solutions without worrying about high treatment costs.
7. Pre-Hospitalization Expenses - Under Plan A, medical expenses incurred up to 90 days before hospitalization are covered. In Plan B it provides coverage for medical expenses incurred up to 60 days before hospital admission. These expenses may include diagnostic tests, medical consultations, and medicines prescribed before the hospital stay.
8. Post-Hospitalization Expenses - Plan A covers post-hospitalization expenses for up to 180 days, while Plan B provides coverage for up to 90 days after discharge. This helps policyholders manage recovery-related medical costs after discharge.
9. AYUSH Treatment - The plan also supports alternative systems of treatment. Hospitalization expenses related to Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered up to the sum insured.
10. Road Ambulance Cover - The plan reimburses domestic road ambulance charges incurred while transferring the patient to the nearest medical facility during a medical emergency.
11. Organ Donor Expenses - Where organ transplantation is required, the policy covers the hospitalization expenses related to the organ donor. These expenses are covered up to the available sum insured.
12. Domiciliary Hospitalization – The ICICI Lombard Elevate Plan includes coverage for domiciliary hospitalization under both Plan A and Plan B. This benefit applies when a patient receives medical treatment at home instead of being admitted to a hospital, usually on the recommendation of a doctor. The expenses are covered up to the sum insured as per policy terms.
13. Bariatric Surgery Coverage - Both Plan A and Plan B provide coverage for bariatric surgery up to the available sum insured. Bariatric surgery is a medically recommended procedure for treating severe obesity when other treatment options have not been effective.
14. In-Patient Treatment for Surrogate Mother - Plan A of the ICICI Lombard Elevate Plan offers financial support for hospitalization expenses related to the treatment of a surrogate mother. The coverage is available up to ₹5 lakh as specified in the policy. However, this benefit is not included under Plan B.
15. In-Patient Treatment for Oocyte Donor - Plan A includes coverage for hospitalization expenses related to an oocyte (egg) donor, up to a maximum of ₹5 lakh. This benefit can be particularly helpful for individuals undergoing assisted reproductive procedures. Similar to the surrogate coverage, this benefit is not available under Plan B.
16. Home Care Treatment - Home care treatment coverage is available under Plan B, where medical care provided at home can be reimbursed up to a maximum limit of ₹5 lakh, subject to policy conditions. Plan A does not include this specific feature.
17. Waiver of Deductible - Both Plan A and Plan B offer the option of a waiver of deductible. This means that under certain conditions, the policyholder may not need to pay the deductible amount before the insurance coverage becomes active. This feature can provide additional financial relief during major medical treatments where the overall expenses are high.

Optional Cover of Activate Booster Plan

The optional benefits in the ICICI Lombard Activate Booster Plan allow policyholders to enhance their coverage by adding extra features based on their healthcare needs. These add-ons may include benefits such as improved room rent options, additional sum insured support, or specialized coverage that strengthens the overall protection of the policy. By choosing suitable optional benefits, customers can customize the ICICI Lombard Activate Booster Plan according to their lifestyle, medical risks, and financial preferences, making the policy more flexible and comprehensive for long-term health security.

Jumpstart Benefit - The Jumpstart option is available under both Plan A and Plan B. This add-on helps policyholders start coverage for certain medical conditions earlier than the standard waiting period. It is particularly useful for individuals who already have lifestyle-related health concerns and want faster access to coverage under their health insurance plan.
Chronic Disease Management Program - Both plans also provide access to a Chronic Disease Management Program as an optional cover. This program focuses on managing long-term health conditions such as diabetes, hypertension, or high cholesterol. It may include structured monitoring, guidance, and coordinated care to help policyholders manage their health more effectively.
BeFit Benefit - The BeFit feature is available in both Plan A and Plan B and is designed to encourage a healthier lifestyle. This benefit may include wellness initiatives, health tracking, or preventive care support that motivates policyholders to maintain better overall health while staying insured.
Claim Protector - The Claim Protector add-on ensures that non-payable hospital items are also covered during a claim. Items such as gloves, syringes, masks, and other medical consumables that are usually excluded from standard policies may be reimbursed under this feature, up to the sum insured.
Inflation Protector - Medical costs tend to increase every year, which can gradually reduce the value of an existing insurance cover. The Inflation Protector option helps address this concern by adjusting the coverage in line with healthcare inflation, ensuring that the policy continues to provide meaningful financial protection over time.
Domestic Air Ambulance Cover - Both Plan A and Plan B offer the option of Domestic Air Ambulance Cover. This benefit helps manage the high cost of emergency air transportation when a patient needs to be transferred quickly to a specialized hospital or advanced medical facility.
Durable Medical Equipment Cover - This optional benefit reimburses expenses related to essential medical equipment required during recovery after hospitalization. Under both plans, the coverage is available up to the sum insured with a maximum limit of ₹5 lakh, helping patients access necessary medical support devices.
Waiting Period Reduction Option - Policyholders can choose the waiting period reduction option to shorten the standard waiting period for certain conditions. With this add-on, the waiting period can be reduced to either two years or one year depending on the policy selection.

 In addition to the general waiting period reduction, there is also an option to shorten the waiting period for specific illnesses. With this feature, coverage for certain listed medical conditions may begin after just one year instead of the usual longer waiting duration.
Nursing at Home - Nursing at home is available under Plan B as an optional benefit. It provides financial support for professional nursing care at home after hospitalization. The benefit is typically available up to ₹2000 per day for a maximum period of 10 days. This feature is not included under Plan A.
Compassionate Visit - Plan B also offers the Compassionate Visit benefit. If a patient is hospitalized for an extended period, this feature can help cover travel expenses for an immediate family member who wishes to visit and support the patient during recovery. The reimbursement is available up to a maximum limit of ₹20,000, while this option is not available under Plan A.
Health Check-up Benefit - The Health Check-up benefit is available as an optional cover under Plan B. It allows insured members to undergo preventive medical tests on a cashless basis up to ₹5,000. However, this particular benefit is not included under Plan A.
Dependent Accommodation Benefit - Plan B provides a Dependent Accommodation Benefit. This feature helps cover the stay expenses of a family member accompanying the patient during hospitalization. The reimbursement is typically available up to ₹1,000 per day for a maximum period of 10 days. This feature is not offered in Plan A.
Guaranteed Deductible Reduction - Both Plan A and Plan B include the option of Guaranteed Deductible Reduction. Under this feature, the deductible amount reduces by 10% at every policy renewal. During the first policy issuance period, the deductible can reduce by up to 50% of the initially chosen deductible amount. 
Room Modifier Option - The Room Modifier option is available under both plans. This feature allows policyholders to either upgrade or downgrade the category of hospital room depending on their preference or hospital availability. It provides flexibility so that the insured person can select a room type that suits their comfort level during hospitalization.
Teleconsultation - Both Plan A and Plan B provide unlimited teleconsultation services. This benefit allows policyholders to consult with medical professionals remotely through digital platforms.

Waiting Period of ICICI Lombard Active Booster Plan

The waiting period in the ICICI Lombard Activate Booster Plan defines the time duration a policyholder must complete before certain medical conditions become eligible for claim. Like most health insurance policies, it includes an initial waiting period, along with separate waiting periods for pre-existing diseases and specific medical conditions. These waiting periods ensure that the ICICI Lombard Activate Booster Plan is used primarily for unexpected medical emergencies and long-term health protection, while gradually extending coverage for pre-existing and listed illnesses over time.

1. Initial Waiting Period - The policy has an initial waiting period of 30 days from the start date. During this time, most medical claims are not payable except those arising due to accidents.
2. Pre-Existing Disease Waiting Period - If the insured person already has a medical condition before buying the policy, it will be covered only after completing a 3-year waiting period from the policy commencement date.
3. Specific Disease Waiting Period - Certain listed illnesses and medical conditions have a 2-year waiting period. Claims related to these specific diseases can be made only after this period is completed.
4. Bariatric Surgery Waiting Period - Coverage for bariatric surgery becomes available after 2 years. However, if the Jumpstart option is selected, this waiting period may reduce to 30 days.

Waiting Period for Diabetes, Hypertension, and Cardiac Conditions For individuals who do not have these conditions as pre-existing diseases, the waiting period is 90 days before the policy starts covering them.

Discounts of ICICI Lombard Active Booster Plan

The discount feature in the ICICI Lombard Activate Booster Plan helps policyholders reduce their premium while maintaining comprehensive health coverage. The insurer offers multiple premium discounts such as long-term policy discounts, wellness-based benefits, and other promotional offers depending on eligibility and policy tenure.

These discounts make the ICICI Lombard Activate Booster Plan more affordable for individuals and families looking for cost effective health insurance coverage, while still enjoying the benefits of a high sum insured and advanced policy features.

Wellness Discount - Policyholders can receive a wellness discount of up to 30%, depending on their participation in health and wellness activities promoted by the insurer.
NRI Discount - Individuals who qualify as Non-Resident Indians may receive a 25% discount on the premium.
CIBIL Score Based Discount - Customers with a good CIBIL score can get a discount of up to 15% on their policy premium.
PPN Network Discount - If the Network Advantage option is chosen and treatment is taken within the insurer’s Preferred Provider Network, a 10% discount may be available.
Early Renewal Discount - Policyholders who renew their policy before the due date can get an early renewal discount of 2.5%.
Long-Term Tenure Discount - If the policy is purchased for a longer tenure, customers may receive a discount of up to 15% on the premium