ICICI Activate Booster Super Top Up Plan: Coverage, Benefits, Premiums & Review

You buy a health insurance policy thinking you’re well protected, until a serious hospitalization shows you otherwise. Suddenly, your “adequate” sum insured doesn’t feel adequate at all.

This gap between expected coverage and actual medical costs is why Super Top-Up plans are gaining popularity. ICICI Lombard Activate Booster Super Top-up is one such plan that promises large coverage at a relatively low premium. But before you rely on it, it’s important to understand how it works, what it covers, its eligibility criteria, exclusions, and even the insurer’s performance metrics. In this guide, we break it all down, so you know exactly where this plan fits in your health insurance strategy.

How Does ICICI Activate Booster Super Top Up Work?

The ICICI Lombard Activate Booster is a modern Super Top-up health insurance plan designed to provide high coverage at a low premium by working on a "deductible" basis. Unlike a standard Top-up, it considers the aggregate (total) of all medical expenses in a policy year to cross the deductible, rather than just a single claim.

Example:

• Scenario A: You have a Super Top-Up with a ₹5 lakh deductible. Your first hospital bill in April is ₹3 lakhs. Since your total bills are still below ₹5 lakhs, the super top-up plan pays nothing.
• Scenario B: Later in October, you have another hospital bill of ₹6 lakhs. Your total medical bills for the year now add up to ₹9 lakhs. Since this is ₹4 lakhs more than the deductible, the Super Top-Up pays ₹4 lakhs.

ICICI Lombard Activate Booster: Eligibility & Plan Details

Note: In a family floater policy, the premium is based on the age of the eldest member. It can also change if you add or remove covers, change policy terms (tenure, zone, sum insured), if tax laws change, or based on the insured person’s health status.

ICICI Activate Booster Super Top Up: Core Benefits

Here’s what it covers:

• In-patient Hospitalization: Covers medical expenses for treatment at a hospital for a period exceeding 24 hours. This includes room rent (up to Single Private AC room), boarding, nursing, ICU charges, and doctor fees.
• Pre & Post-Hospitalization: Covers medical expenses incurred up to 60/90 days (Plan B) or 90/180 days (Plan A) before admission and after discharge, respectively.
• Day Care Procedures: Covers medical expenses for treatments that require less than 24 hours of hospitalization due to technological advancement (e.g., cataract, dialysis).
• Modern & Advanced Treatments: Coverage for cutting-edge medical procedures such as Robotic Surgeries, Stem Cell Therapy, Oral Chemotherapy, and Monoclonal Antibody Injections.
• AYUSH Treatment: Expenses for alternative treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered up to the sum insured, provided they are taken in a government-recognized hospital.
• Bariatric Surgery: Coverage for surgical procedures for weight loss if medically necessary and meeting specific clinical criteria.
• Domiciliary Hospitalization: Covers treatment taken at home for a period exceeding 3 days, provided the condition is such that the patient cannot be moved to a hospital, or a bed is unavailable.
• Donor Expenses: Covers medical expenses incurred for the organ donor during organ transplant surgery for the insured person.
• Domestic Road Ambulance: Covers the cost of transporting the insured to the hospital in a registered ambulance during an emergency.

ICICI Activate Booster Super Top Up: Key Exclusions 

• Cosmetic & Plastic Surgery: Treatments for aesthetic reasons (like Botox or hair transplants) are excluded unless necessitated by an accident or burn.
• Self-inflicted Injury: Injuries resulting from attempted suicide or intentional self-harm are not covered.
• Substance Abuse: Treatment for alcoholism, drug addiction, or any injury caused while under the influence of intoxicants is excluded.
• Maternity & Newborn Cover: Normal pregnancy and newborn delivery costs aren’t covered. Only specific cases like surrogate mother or oocyte donor hospitalization under Plan A are covered, and that too within set limits and conditions.
• Weight Control/Obesity: While some bariatric surgeries are covered under strict medical conditions, general weight loss treatments are excluded.
• Non-Medical Expenses: Items like gloves, syringes, and other "consumables" listed by the insurer are  not reimbursed unless an add-on is opted.

For the complete list of inclusions and exclusions, please refer to the policy prospectus.

ICICI Activate Booster Super Top Up: Optional Covers & Add-ons

ICICI Lombard Activate Booster offers a wide range of optional covers (add-ons) that allow you to customize the plan. These are divided between Plan A and Plan B.

• Waiver of Deductible (The "Future-Proof" Option): This allows you to convert your Super Top-up into a standard Base Policy (Zero Deductible) in the future without any fresh medical underwriting.
  • Condition: You must buy the policy before age 50 and can exercise this only when the eldest member is between 55 and 65 years old.
• Guaranteed Deductible Reduction: Reduces your deductible by 10% at each renewal (up to a maximum of 50%), effectively lowering the amount you pay out-of-pocket over time.
  • Note: Only available for policies with a minimum deductible of ₹5 Lakh.
• Jumpstart: Reduces the waiting period for specific pre-existing conditions like Diabetes, Hypertension, Hyperlipidemia, Obesity and Asthma to just 30 days.
• Chronic Disease Management Program: Provides specialized support and management for long-term health conditions.
• BeFit: Offers coverage for outpatient (OPD) expenses, including doctor consultations, pharmacy bills, and diagnostic tests.
• Claim Protector: Ensures that the cost of "non-medical items" (like gloves, masks, nebulizer kits, etc.), which are usually excluded during hospitalization, are paid by the insurer.
• Inflation Protector: Increases the sum insured every year based on the inflation rate to ensure your cover keeps pace with rising medical costs.
• Room Modifier: Provides the flexibility to either upgrade or downgrade your eligible room category (e.g., moving from a Twin Sharing to a Single Private Room).
• Domestic Air Ambulance Cover: Covers the expenses for emergency air transportation within India, up to the sum insured (max ₹5 Lakhs).
• Durable Medical Equipment Cover: Provides reimbursement for the cost of medical equipment such as wheelchairs, walkers, or CPAP machines if prescribed following a claim.
• Waiting Period Reduction: Options to reduce the Pre-Existing Disease (PED) waiting period to 1 or 2 years, or the Specific Illness waiting period to 1 year.
• Teleconsultation: Provides unlimited access to virtual consultations with medical professionals via the "IL TakeCare" app.

Plan-Specific Optional Covers

The following add-ons are only available under Plan B:

Note: Premiums are based on Delhi location and a ₹5 Lakh aggregate deductible.

ICICI Lombard Health Insurance Review: Performance Metrics

As we review the ICICI Activate Booster Super Top-Up plan review, it’s also important to examine the insurer’s operational metrics to better understand its performance, reliability, and quality of customer service.

Key Insight: ICICI Lombard has a wide hospital network, high premium volume, and fewer complaints than average that shows good reach and service. However, its claim settlement ratio is lower than the industry average, which may be a concern.

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Should You Buy ICICI Activate Booster Super Top Up Plan: Ditto’s Take

ICICI Activate Booster is a comprehensive and customizable super top-up plan that works well for increasing your overall health cover at a relatively low cost. It can be a good option if you already have a strong base health insurance policy (ideally from ICICI itself for smoother claims processing) or if you set the deductible at an amount you’re comfortable paying out of pocket during a medical emergency.

That said, insurer performance matters. While ICICI Lombard offers innovative features and broad coverage, its CSR remains a point of concern. We hope to see improvements in claims consistency and will continue to monitor its performance. For now, although ICICI Lombard remains one of our partner insurers, it is not among our actively recommended options.

Note: All the information shared above is sourced from ICICI Lombard’s official website and product documents and is provided for informational purposes. Policy features, benefits, and terms are subject to change at the insurer’s discretion. Always refer to the latest policy wording on the insurer’s website for the most accurate and updated details.

Source: ICICI Lombard Activate Booster: Official Product Page and Brochure.