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ICICI Lombard Health Insurance Top-up & Super Top-up Plans

A top-up plan is when a customer requires an additional medical expense coverage. However, this plan only activates when the deductible amount has been exceeded. The deductible amount may differ according to the plan you purchase. Having a base policy is not compulsory when buying a top-up, however, you will be required to pay the expenses till the deductible amount out of your pocket to activate your top-up plan if you do not have a base policy to help you with your medical bills.

ICICI Lombard offers a Health Booster Plan, a super top-up plan that includes additional security and protection for a customer's savings. A super top-up plan offers a customer extra coverage on their medical expenses.[1][2]

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ICICI Lombard Health Insurance Plan List

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    5 Lakh

    Cashless Hospital


    Starting From 659/month*

Benefits of ICICI Lombard Top-up Plans

The following are the benefits a customer is offered if they purchase a Top-Up Plan:-[1]

  • Anywhere Cashless Hospitals:- The customers have access to a choice of hospital that is convenient for their family and themselves. Having access to cashless hospitals helps an individual by making them stressless. All the financial burdens during your hospital stay are done by the insurer and there is no burden of paying the bills out-of-pocket.
  • Cost Effectiveness:- Having a top-up plan is more cost-effective than a basic plan with a higher sum insured because it has lower premiums and better coverage. It helps you with your savings and provides you with maximum benefits.
  • Additional Security:- Having a basic policy may not be sufficient at times so having a top-up will help you during those financially hectic problems. A top-up gives you coverage after you cross a certain deductible amount which can be crossed if you are dealing with long-term medical issues that cost more than your sum insured.
  • Protection for Savings:- A person works hard to earn and save their earning. This saving can be protected by health insurance and more so if you have a top-up. In a top-up plan, the amount of premium is lower compared to a basic health insurance policy.

Eligibility For Buying a Top-Up Plan

The eligibility criteria for a Top-Up may vary from insurer to insurer and plan to plan. However, ICICI Lombard offers a top-up to adults aged 18 and above. A benefit of this is that the customer does not require pre-screening and pre-medical check-ups till the age of 45. However, after the age of 45, a customer is required to do these check-ups and screenings.

If a customer wants to include their child in the family floater plan then the child should be at least 3 months old. Buying an individual plan for a child requires the child to be at least 6 years old. There is no maximum age when buying a top-up from ICICI Lombard.

Types of Top-up Plans offered by ICICI Lombard

There are 2 types of Top-Up plans available, Top-Up and Super Top-Up plans.

Top-Up Plan covers only one claim during one policy year after the deductible amount has been crossed during a hospitalisation. However, a Super Top-Up plan covers multiple claims during a policy year after the deductible amount has been crossed.

ICICI Lombard offers super top-up plans to the customers, ICICI Health Booster Plan.

ICICI Health Booster Plan

A few of the inclusions and exclusions under the ICICI Health Booster Plan are:-[1]


In-patient Treatment

Treatments taken outside India

Day Care Treatment

Dental Treatments(unless due to accident)

In-patient AYUSH Treatment

Alcohol or Drug Abuse

Donor Expenses

Hazardous Sports

Pre and Post Hospitalisation


Road Ambulance

Civil War

Pre-existing Disease

Breach of Law

Wellness Program

Suicide or Self Inflicted Injuries

Reset Benefit

Refractive Error Correction

Domiciliary Hospitalisation Cover

Hearing Impairment Correction

Cashless Hospitalisation

Tax benefit

Lifetime Renewability

Floater Benefit

Tax Save
Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

ICICI Lombard Health Insurance Plan List

  • Critical Illness (1)
  • Family (2)
  • Maternity (1)
  • Parents (1)
  • Senior Citizen (2)
  • Woman (1)
  • Individual (2)
  • Kids (1)
Name of PlanSum Insured
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Check Premium
Health AdvantEDGE Check Premium
Complete Health InsuranceMin: 3 Months; Max: No Limit5 Lakh Check Premium
Health BoosterMin: 3 Months; Max: No Limit5 Lakh Check Premium
Corona Kavach PolicyMin:1 Day; Max: 65 Years50,000 - 5 lakh Check Premium
Corona Rakshak PolicyMin: 18 Years; Max: 65 Years50,000 - 2.5 lakh Check Premium
Personal ProtectMin: 18 years; Max: 65 years3 Lakh - 25 Lakh Check Premium

Factors to Consider While Choosing a Top-Up Plan

Factors to consider while buying a Top-Up Plan are as follows:-[3]

  • Sufficient Benefit:- Having benefits that fulfil a customer’s needs is a crucial factor to consider while purchasing a top-up plan. Paying a premium to an insurer is not useful if the needs are not wholly met by their plan. Knowing your needs and then finding a perfect plan for yourself is important. Making sure that the top-up plan covers all your concerns and requirements is necessary.
  • Deductible:- The deductible amount is the most important while purchasing a top-up plan as the top-up will only be activated once the limit of the deductible amount has been exceeded. People mostly only consider opting for a top-up plan the higher the deductible, the lower the premium. However choosing a deductible is crucial and should be done according to the budget, medical requirement, or the base policy of the customer.
  • Coverage:- The coverage of any plan differs due to various aspects. Customers can buy an individual plan if they do not have any dependents, a family floater plan if they have a family, and a senior citizen plan if they have more concerns and also because the individual and family floater plans have an age limit. The choice of the plan may depend on the needs and medical requirements of a customer.
  • Pre-existing Disease Cover:- A base policy may not always cover pre-existing diseases which can be a big financial burden without support and a top-up provides you with that support. Pre-existing disease cover, however, has a waiting period or depends on renewal.
  • Sub-Limits:- The lesser the sub-limits the better for the customer. Many plans have various sub-limits like co-payment, room rent, doctor’s fees, etc. which can be difficult to cover for an individual out-of-pocket. Understanding the plan and its sub-limits is crucial while buying it. Always consider top-up plans that have limited sub-limits.

How to Buy an ICICI Lombard Top-up Plan with InsuranceDekho

Offline Process:- ICICI Health Booster plan purchase can be made by connecting with an InsuranceDekho advisor. InsuranceDekho provides the customer with in-house assistance where an advisor will visit the customer and explain the process and the plan to make it convenient for the customers.

How to Renew Your Top-Up Plan

Follow the following steps to renew your Top-up plan:-

Step 1:- Go to the InsuranceDekho website.

Step 2:- Click on the “Support” tab

Step 3:- To receive an OTP, enter your mobile number

Step 4:- Login by entering the OTP received and gain access to your ICICI Health Booster page

Step 5:- Select the “renew” option to start the renewal process

Step 6:- Completing the payment, finalise the renewal process

Note: You can also renew the top-up plan from the ICICI Lombard official website.

Contact Information

24X7 Support:- Email -

Helpline number:- 7551196989


Ques 1. Which is better top-up or super top-up?

Ans:- A top-up plan has a lower premium compared to a super top-up plan. However, the coverage in the super top-up is higher than the top-up plan. So, the choice of a specific top plan may depend on the needs of a customer.

Ques 2. What is the waiting period for a super top-up plan?

Ans:- A super top-up plan has a waiting period of 30 days after which a policyholder has access to the coverage provided.

Ques 3. Why are top-up plans cheaper?

Ans:- Top-up plans are cheaper because the deductible is applied to every claim made by the policyholder.

Ques 4. Can a super top-up be purchased without a base policy?

Ans:- Yes, a super top-up can be purchased without a base policy. However, it is better to have a base health insurance policy as it covers the amount till you reach the deductible. If you do not have a base policy you will be required to cover the amount out-of-pocket till you get to the deductible amount of your super top-up policy.

Ques 5. What is deductible in top-up plans?

Ans:- Deductible is the sum before which you have to cover the medical expenses either by your base policy or out-of-pocket. The top-up plan’s coverage activates only after that deductible amount has been exceeded.

Ques 6. What is the difference between a base plan and a top-up plan?

Ans:- Under the base policy, the coverage of the claim is made by the insurer up to the sum insured and the top-up covers the customer once they have reached a limit or the deductible amount giving them extra coverage.

Ques 7. What is the age limit for a super top-up plan?

Ans:- The plan can be bought as an individual or family floater policy. Under the individual policy, the age limit is 18-65 years, and under the family floater for members other than the policyholder is 3 months-65 years.

Ques 8. Can we port a super top-up?

Ans:- Yes, you can port a super top-up plan. However, you can only port between policies with similar categories and nature.

Ques 9. What are the disadvantages of a top-up plan?

Ans:- A few of the disadvantages of a super top-up plan are, more complex claim settlement than that of a regular policy, health check-ups that are covered under a regular policy are not included under super top-up plans and a financial strain can be caused to customers with no base policy.

Ques 10. Can I purchase both top-up and super top-up plans?

Ans:- Yes, you can purchase both top-up and super top-up plans to help you get coverage on a claim if one of your plans has a low deductible.





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    The ICICI Lombard Health Insurance Plan available on InsuranceDekho has amazing features to offer. On InsuranceDekho’s website, I was able to check all the details about the ICICI Lombard Health Insurance plan on InsuranceDekho and understand its benefits. Thank you! InsuranceDekho for this amazing health insurance.

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