ICICI Lombard Complete Health Insurance Plan

Key Benefits of the Plan

• The option of multiple sum insured is available.
• It gives coverage up to Rs 10 Lakh
• Offers lifetime policy renewal
• No maximum entry age to buy the policy
• No medical test is required up to 45 years of age.
• Cashless settlement available across 4000+ network hospitals
• No sub-limit option
• Pre-existing diseases are covered immediately after 2/4 years of continuous coverage under the policy
• The customer can avail an option of free health checkup at designated centres. The coupons would be given to each policyholder for every policy year. For floater basis, maximum 2 coupons are given.

How to Cancel the Policy?

A policyholder is allowed to cancel the policy by giving 15 days written a notice to the insurance company. The insurer will refund the premium for the unexpired period as per the following table, provided no claim has been made.

Sub-limits

In the base policy, there is no sub-limit on the following major illness and procedures-

• Cancer
• End Stage Renal Failure
• Major Organ Transplant
• Stroke
• Multiple Sclerosis
• All brain-related surgeries
• All cardiac surgeries

How to File For a Claim?

The claims are serviced by ICICI Lombard Health Care, which is the company’s own claim processing portal. In case of planned or emergency hospitalization, use the health card at network hospitals to avail cashless hospitalization. All the claims have to be informed 48 hours before the hospitalization and within 24 hours in case of emergency.

List of documents required at the time of claim

• Duly filled claim form signed by the insured or the doctor within 60 days after the discharge
• The original bill, receipts and discharge certificate received from the hospital
• Original investigation test reports and payment receipts
• Any other document required by the insurer

What is not Covered?

Below are certain health conditions and ailments which are not covered-

• Medical expenses incurred during the first 30 days of the commencement of the policy coverage
• Non-allopathic treatment
• Expenses arising out of alcohol or drug
• Cost of spectacles
• Medical expenses incurred for treatment of AIDs
• Tests relating to infertility
• Joint replacement unless it is due to an accident