ICICI Lombard Health AdvantEdge Plan

Exclusion of ICICI Lombard Health AdvantEdge Plan may differ from one plan to another. Some of the inclusions that are common under all the policies are given below:

1. OPD treatment
2. Treatment for alcohol or drug addiction
3. Sterility and infertility
4. Cosmetic or plastic surgery
5. Injuries due to participation in hazardous or adventure sports
6. Intentional self-injury
7. Sexually transmitted diseases

Optional Cover of ICICI Lombard Health AdvantEdge Plan may differ from one plan to another. Some of the inclusions that are common under all the policies are given below:

1. Maternity Benefit

   It covers the medical expenses incurred due to pregnancy, including delivery of the baby, pre-natal expenses, post-natal expenses and medically recommended lawful termination of pregnancy.
2. Newborn Baby Cover

   It pays for the in-patient treatment of the newborn baby until it turns 90 days old.
3. First-year Vaccinations of the Newborn Baby

   It covers the vaccination expenses of the newborn baby until it turns 1 year old.
4. Critical Illness Cover

   It pays a lump sum amount to the policyholder on the first diagnosis of any of the 20 listed critical illnesses.
5. Personal Accident Cover

   It provides compensation in case an accident of the insured leads to accidental death or permanent partial/total disability.
6. Nursing at Home

   It ensures that policyholders above 60 years do not have to pay any co-payment while raising a claim.
7. Compassionate Visit

   It reimburses the cost of a two-way aeroplane or train ticket of an immediate family member if the insured is admitted to a hospital for more than 5 days.
8. BeFit

   It allows the insured to avail benefits like physical consultations, pharmacy cover, e-counselling, physiotherapy sessions and diet & nutrition e-counselling on a cashless basis.
9. Claim Protector

   It pays for the non-payable expenses incurred by the insured during in-patient hospitalization or day care treatment.
10. Sum Insured Protector

    It enhances the sum insured of the policy on a cumulative basis on each renewal based on the previous year’s inflation rate.
11. Voluntary Co-Payment

    It enables the policyholder to reduce the premium by opting for a voluntary co-payment on all claims.
12. Voluntary Deductible

    It allows the policyholder to reduce the premium by opting for a voluntary deductible.
13. Worldwide Cover

    It covers the cost of in-patient hospitalization and day care treatment availed outside India, including the USA and Canada.
14. Preventive Health Check-up (Reimbursement)

    It reimburses the medical expenses incurred on preventive health check-ups during the policy year.
15. Room Rent Capping

    It allows the policyholder to reduce the premium by opting for a capping on hospital room rent.