Health Booster

The duration only after which a claim can be made is called the waiting period. 

Policy Period is the period for which the policy is valid.

Co-Payment is a cost-sharing requirement under a health insurance Policy that provides that the policyholder/ insured will bear a specified percentage of the admissible claim amount. A co-payment does not reduce the Sum Insured.

Immediate Relative would mean the insured's spouse, dependent children & dependent parents

The disease under Permanent Exclusions will not be covered in the Health Insurance plan.

Individual plan has to be separate for every individual. Floater covers all in family ( max 2 Adults and 3 Children) and provides one sum insured to all, hence, there is saving of premium

If the number of adults or number of children are more than 2+3, you need to buy an additional policy for the additional members. There can be a maximum of 2 adults and 3 children in a policy

In a floater option, a single policy under one Sum Insured covers all in the family.
For e.g., 2 adults, 2 adults and 1 child, 1 adult and 2 children, 2 adults and 3 children, 1 adult and 2 children, 1 adult and 1 child. The Sum Insured can be used by anyone in the family or all covered in the policy multiple times till the time the limit is exhausted.

An individual between 3 months - 20 years, come under the category 'children'.

Annual sum insured denotes maximum amount of cover available during each policy year of the policy period. It includes your base sum insured and additional sum insured.

The age eligibility for taking the policy is the entry age and the age after which you cannot take or renew the policy is the exit age.

Minimum entry age is 6 years for individual plan and 3 months for floater plan. There is no maximum exit age for this policy.

For a first-time policy, the policy start date and date of joining are the same. Only at the time of renewal, will the policy start date and date of joining differ. Date of joining is the date of inception of the first policy with us while the policy start date is the date from which your renewed policy starts. For​ fresh policy, policy start date will be the cheque date or documents inward date, whichever is later. For a renew​ed policy, policy start date will be the cheque date or documents inward date or renew​al date whichever is later.

Mandatory covers come inbuilt in the plan and ​you do not have the option to exclude them from the plan. Optional covers come as add-ons in the plan and ​you have the option to include them in the plan by paying additional premium.

Medical underwriting is required for any insured member who is more than 45 years of age or has sum insured more than ₹10 lakhs or both. The medical tests can be conducted at any designated cent​res identified by ICICI Lombard.

The premium you pay for yourself, your spouse, your dependent children and dependent parents, up to the limit of Rs. 25,000 (Rs. 50,000 for those aged 60 years or more), excluding service tax and education cess, is eligible for deduction under section 80D of Income tax Act and amendments made thereto. This deduction is eligible under the prevailing tax laws, which are subject to change as per change in tax laws.

No, the claim amount you receive under your health policy is not subject to tax.

Pre-existing Disease means any condition, ailment or injury or related condition(s) for which You had signs or symptoms, and/ or were diagnosed, and/ or received medical advice/ treatment, within ​48 months prior to the first policy issued by the insurer.