ICICI Lombard Health Insurance

This Health Insurance plan by ICICI Lombard gives an individual the freedom to choose his own mediclaim plan and ensure their family.

Key features of Health Care Plus health Insurance Policy by ICICI

• This healthcare Plus Policy by ICICI Lombard provides individual cover and mediclaim for every family member.
• Issued along with various sum insured options.
• Issued plans along with flexible deductibles options.
• Issued on a lifetime renewable basis.
• No sub-limit fixed on medical expenses such as diagnostic tests, doctors fees, and other such related expenditure.
• Provides for Free Health Check-up of anyone insured member in cases of renewal.
• Benefits an individual in terms of Income Tax exemption under Section 80D of the Income Tax Act

Eligibility for Health Care Plus Insurance Policy by ICICI Lombard

• The ICICI Lombard health care plus policy buyer should be minimum 18 years of age.
• Any applicant between the ages of 5 years to 65 years can opt for this health insurance plan by ICICI Lombard.
• Individuals aged 56 years & above are required to undertake certain medical tests at ICICI Lombard designated diagnostic centres.
• Provides cover up to Rs.10 Lakhs. Issues various plans along with different sum insured options.
• The ICICI Lombard Company provides its customers with various Value Added Services that enable them to to enhance the sum assured in cases of claim-free years.
• The ICICI Lombard Company has a tie-up with 4500+ network hospitals branches across the country to avail facilities like cashless hospitalization and more.
• Comes at affordable pricing.
• This ICICI policy available on Individual as well as Family Floater basis.
• Benefits an individual in terms of Income Tax exemption under Section 80D of the Income Tax Act
• Follows easy and hassle-free ICICI claim settlement procedure.
• Issues health insurance policies on a lifetime renewable basis.
• Issues Health insurance without any medical check-up for individuals below the age of 45 years.
• No sub-limit on expenses incurred for the treatment at the hospital.
• Provides hospital cash on a daily basis for every day spent in the hospital, subject to a minimum of 3 days and a maximum of 10 days. The ICICI health Insurance premium amount paid depends on the amount of sum insured.

1. In cases of sum insured of Rs.2 Lakhs, the company gives cash benefits of Rs.500 per day.
2. In cases of sum insured of Rs.3 Lakhs, Rs. 4 Lakhs and Rs.5 Lakhs, the company gives cash benefits of Rs.1000 per day.
3. In cases of sum insured of Rs.7 Lakhs and Rs.10 Lakhs, the company gives cash benefits of Rs.500 per day.

• The ICICI Lombard general insurance company also gives restoration benefit of Rs.10, 000 to the insured, in case of hospitalization for a period of 10 consecutive days or more.
• Provides reimbursements amounting up to Rs. 50, 000 for medical expenses incurred, in the case of organ transplantation.
• This Health insurance policy by ICICI Lombard provides cover against OPD diseases, such as Heart Attack (i.e. Myocardial Infarction), Heart valve replacement surgery, Major Organ Transplantation, Cancer, Stroke, Kidney Failure, Cancer, Coronary Artery Bypass Surgery, End stage liver failure and Paralysis.
• Provides maternity benefits and newly born baby cover: Provides reimbursements for delivery, caesarean, lawful termination of the baby and any other pregnancy-related hospitalization. Covers prenatal and postnatal hospitalization. Provides for medication expenditure of a newborn baby for a minimum period of 24 consecutive hours to a maximum period of 91 days of the date of birth of the baby.
• Also gives reimbursements for payments made towards outpatient expenses such as routine checkups, fitness programs, and vaccinations.
• Gives a lot of value-added services, such as free health checkups, online chat with a doctor, consultations, and follow-up sessions and meeting with diet and nutrition consultants.
• Available on Individual as well as Family Floater basis.
• The Health Insurance by ICICI Lombard provides its customers with various Value Added Services that enable them to enhance the sum assured, in cases of claim-free years.
• ICICI Lombard Complete Health Insurance Policies can be benefitted for auto-renewed for a period of 1 or 2 years.
• Provides cover for inpatient treatment which includes all the medical expenses such as room rent, doctor’s or surgeon’s fees, medical bills and other related expenditures. However, the patient needs to be admitted for a minimum period of 24 hours in the hospital.
• Features reimbursements for pre-hospitalization expenses up to 30 days and for post-hospitalization up to 60 days.
• ICICI Lombard provides coverage for certain day care procedures such as advanced technological surgeries and procedures, dialysis, radiotherapy and chemotherapy which require less than 24 hours of hospitalisation.
• This ICICI Lombard Health Insurance policy does not cover any illness contracted within 30 days of the inception of the plan. However, any injury caused due to an accident is covered.

Eligibility for ICICI Lombard Complete Health Insurance Plan

• This ICICI Lombard Complete Health Insurance can be benefited by the individual for any of his family members, children, and parents.
• The buyer should be minimum 6 years of age if applying under individual basis and of 3 months if applying under family floater basis.
• Coverage to children lying between 3 months to 5 years can be provided only if at least one adult is covered.
• This ICICI Cover is not valid for children less than 91 days.
• Individuals aged 46 years or above are required to undergo certain medical tests at a diagnostic centre designated by ICICI Lombard.

This health insurance plan by ICICI Lombard provides coverage, in case of accidental death or permanent total disability caused because of an accident.

Key Features of ICICI Lombard Personal Protect health Policy

• Also offers optional coverage for hospitalizations within 7 days of the accident, subject to a minimum of 24 hours of hospitalisation and accidental daily cash, subject to a maximum of 30 days of hospitalisation.
• Flexible sum insured options. The options are Rs.3, 00,000, Rs.5, 00,000, Rs.10, 00,000, Rs.15, 00,000, Rs.20, 00,000 and Rs.25, 00,000.
• This ICICI Lombard's plan covers various kinds of accidents such as road or rail accidents, accidents due to natural calamities and accidents out of terrorism and such related acts.
• This ICICI Lombard Insurance Policy is issued without any pre-medical checkup.
• Ensures worldwide health insurance coverage
• Follows easy and hassle-free insurance claim settlement procedure along with simple documentation.
• Provides the buyer with an option to buy online and make the payments in instalments.
• In case of death of the policyholders, the nominee of the health insurance policy is given the sum insured amount.
• In the case of Permanent total disablement, compensation is paid to the plan buyer.

Eligibility For ICICI Lombard Personal Protect Insurance Policy

• This ICICI Mediclaim insurance policy can be availed by an individual for any of his family members, children, and parents.
• The buyer should be minimum 18 years of age.
• Any applicant between the ages of 18 years to 80 years can opt for this Mediclaim plan.

Portability of ICICI Lombard Health Insurance

Portability has been mandatory as per IRDA guidelines. Portability empowers the buyer with the right to switch between plans or between various policyholders, without having to compromise on any continuity Benefit being enjoyed by the plan buyer in terms of Pre-existing diseases (PEDs) and time-bound exclusions on the existing health cover

Method of applying for Health Insurance Portability

• A proposal form along with health insurance portability form has to be submitted by the buyer 45 days prior to the expiry of the policy.
• Mandatory documents, such as previous policy certificates and renewal note of expiring policy have to be submitted by the applicant at the time of applying for health Insurance Portability.
• The applicant may have to undergo certain mandatory medical tests.
• Health Insurance portability will be granted on the basis of the medical underwriting of the company.