Surgeries Covered Under ICICI Lombard Health Insurance

Life can throw unexpected medical emergencies your way, making surgeries unavoidable. These procedures are often costly, imposing financial burdens on you and your family and depleting your savings. Health insurance helps ease this burden, allowing you to use your savings where they matter most. If you have an ICICI Lombard health insurance policy, read on to find out which surgeries are covered by your insurer.

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      What are the Various Plans Available Under ICICI Lombard Health Insurance?

      ICICI Lombard health insurance plans are designed to meet the different healthcare needs of the people. These plans cover the costs of surgeries, medical practitioner's fees, nurse charges, medicines, room rent, and more. Whether it is a planned surgery or an unexpected medical emergency, the insurer provides coverage to ease your financial burden. Besides, the ICICI Lombard General Insurance Company promises to process initial cashless claim requests within 1 hour and final discharge within 3 hours of document submission..

      From comprehensive health insurance plans to special plans covering specific surgeries or illnesses, ICICI Lombard General Insurance Company offers a variety of plans. You can purchase them either on an individual or a family floater basis. Below are the numerous ICICI Lombard medical insurance plans available in the market:

      1. ICICI Lombard Health Care PlusPlan
      2. ICICI Lombard Health AdvantEdge Plan
      3. ICICI Lombard Elevate Plan
      4. ICICI Lombard Max Protect Plan
      5. ICICI Lombard Personal Protect Plan
      6. ICICI Lombard Health Booster Plan
      7. ICICI Lombard Personal Care Insurance Plan
      8. ICICI Lombard Income Protect Plan
      9. ICICI Lombard Hospifund Insurance Plan
      10. ICICI Lombard Arogya Sanjeevani Policy
      11. ICICI Lombard Family Shield Plan
      12. ICICI Lombard Corona Kavach Policy
      13. ICICI Lombard Women Cancer Shield Plan
      14. ICICI Lombard COVID-19 Protection Cover
      15. ICICI Lombard Mashak (Mosquito) Rakshak Plan
      16. ICICI Lombard Saral Suraksha Bima
      17. ICICI Lombard Criti Shield Plus Plan
      18. ICICI Lombard Universal Protection Plan
      19. ICICI Lombard Smart Janta Personal Accident Insurance Policy
      20. ICICI Lombard Smart Super Health Insurance Plan
      21. ICICI Lombard Critical Illness Plan
      22. ICICI Lombard Golden Shield Plan
      23. ICICI Lombard Complete Health Insurance Plan
      24. ICICI Lombard Health Shield 360 Retail Plan
      25. ICICI Lombard Special Shield Plan
      26. ICICI Lombard iShield Plan
      27. ICICI Lombard Wyn Health Plan
      28. ICICI Lombard COVID Shield Plan

      List of Surgeries Covered Under ICICI Lombard Health Insurance

      The list of surgeries covered under different ICICI Lombard medical insurance plans is as follows:

      1. Heart Surgery

        Heart surgery involves medical procedures performed on the heart to treat various cardiovascular conditions like blocked arteries, heart valve problems, congenital heart defects, etc. The most common types of heart surgery include bypass surgery, angioplasty, valve repair or replacement, etc., which can create quite a dent in your finances. Luckily, heart surgery costs are covered by various ICICI Lombard health insurance plans including Health Care Plus, Health Booster, Criti Shield Plus, Golden Shield, Complete Health Insurance, and Wyn Health. However, a waiting period ranging from 90 days to 24 months will apply, depending on your chosen plan.

      2. Cataract Surgery

        Cataract surgery is a procedure to remove the lens of your eye when it becomes cloudy, usually due to ageing. The cloudy lens is replaced with a clear artificial lens to restore vision. Many ICICI Lombard medical insurance plans, such as Health Booster, Health Care Plus, Max Protect, Complete Health Insurance, and Wyn Health, provide coverage for cataract surgery expenses but after a waiting period of 24 months.

      3. LASIK Eye Surgery

        LASIK eye surgery is performed to correct vision issues, such as nearsightedness, farsightedness, and astigmatism, with the help of a laser. During the surgery, a doctor reshapes the cornea in the eye, leading to improved vision. This quick and effective surgery can reduce or even eliminate the need for glasses or contact lenses. Fortunately, LASIK surgery is covered under several ICICI Lombard health plans, including Max Protect, Elevate, Health AdvantEdge, Personal Protect, and Health Booster. However, you will have to serve a waiting period of 30 days to 24 months, depending on your plan, to activate the coverage.

      4. Joint Replacement Surgery

        Joint replacement surgery involves replacing damaged joints with artificial ones, generally in knees or hips, to relieve pain and improve mobility. Many ICICI Lombard health insurance plans, including Health Care Plus, Health Booster, Wyn Health, Golden Shield, and Complete Health Insurance plan, provide coverage for joint replacement surgery. However, the coverage comes with a waiting period of 24 months.

      5. Kidney Stone Removal Surgery

        Kidney stone removal surgery is performed to get rid of stones that form in the kidneys and cause pain or block urine flow. The surgery is among the different ways to remove these stones, depending on their size and where they are located in the kidney. Thankfully, the expense of this costly surgery is covered under many ICICI Lombard mediclaim insurance plans, such as Wyn Health, Health Booster, Health Care Plus, and Complete Health Insurance plan. However, a waiting period of 24 months has to be served before the coverage begins.

      6. Prostate Cancer Surgery

        Prostate cancer surgery, known as prostatectomy, is conducted to treat prostate cancer that is in the early stage and has not spread to other parts of the body like bones or lymph nodes. The cost of this expensive surgery is covered by the ICICI Lombard Health Booster plan after a waiting period of 24 months.

      7. Bariatric Surgery

        Bariatric surgery helps people lose weight by making changes to their digestive system. It is usually performed when diet and exercise have not worked or when a person has serious obesity-related health problems. Multiple ICICI Lombard health plans, such as Wyn Health, Health AdvantEdge, and Max Protect, provide coverage for bariatric surgery. However, it comes with a waiting period ranging from 24 to 36 months

      8. Robotic Surgery

        Robotic surgery is a type of surgery in which robotic systems are used to perform procedures. It allows surgeons to operate with better control, flexibility, and precision. Some ICICI Lombard health insurance plans covering robotic surgery include Elevate, Golden Shield and Max Protect. The waiting period for robotic surgery is 24 months.

      Summing Up

      Health insurance plays a significant role in reducing the financial stress that comes along with surgeries. With a diverse range of plans that cater to various medical needs, the ICICI Lombard General Insurance Company allows you to select a policy that best suits your requirements. So, make sure to check your policy document carefully to determine which surgeries are covered by your ICICI Lombard health plan.

      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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