ICICI Lombard Health Insurance for Family

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      ICICI Lombard Health Insurance for Family

      ICICI Lombard Health Insurance for family covers all the members of a family under a single sum insured, which is shared by everyone on a floater basis. It provides comprehensive medical coverage to all family members regardless of their age. Some of the most attractive benefits of ICICI Lombard family floater plans include worldwide cover, sum insured protector, claim protector, infinite care, OPD benefit, etc.

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      ICICI Lombard Health Insurance Plans for Family

      Take a look at the various family health insurance plans by ICICI Lombard General Insurance Company:

      Plan Name Sum Insured Pre-existing Diseases Waiting Period
      ICICI Lombard Health AdvantEdge Plan ₹3 lakh to ₹3 crore 2 years
      ICICI Lombard Health Shield 360 Retail Plan ₹3 lakh to ₹3 crore 1 year, 2 years
      ICICI Lombard Wyn Shield Plan ₹5 lakh to ₹1 crore 2 years
      ICICI Lombard Complete Health Insurance Plan ₹5 lakh to ₹3 crore 2 years
      ICICI Lombard Max Protect Plan ₹50 lakh onwards 4 years
      ICICI Lombard Smart Super Health Insurance Plan ₹5 lakh to ₹1 crore 4 years
      ICICI Lombard Elevate Plan ₹5 lakh onwards 3 years

      Eligibility Criteria for ICICI Lombard Health Insurance for Family

      Check out the eligibility criteria to buy an ICICI Lombard health insurance plan for family:

      Categories Eligibility Criteria
      Adult Child
      Minimum Entry Age 18 years
      21 years (For the Wyn Health plan)
      3 months
      Maximum Entry Age 45 years (For the Wyn Health plan)
      65 years (For Health AdvantEdge, Max Protect and Smart Super Health Insurance plans)
      No age limit (For Health Shield 360 Retail, Complete Health Insurance and Elevate plans)
      20 years
      23 years (For the Smart Super Health Insurance plan)
      25 years (For the Health AdvantEdge plan)
      30 years (For the Elevate plan)
      Relationships Covered 

      Self, spouse, dependent children, dependent sibling(s), dependent parent(s), grandparents, grandchildren, parents-in-law, children-in-law, dependent brother-in-law and dependent sister-in-law

      Maximum No. of Family Members Covered 2 adults + 3 children
      Renewability Lifetime

      Key Benefits of ICICI Lombard Health Insurance for Family

      Here are the key benefits of buying an ICICI Lombard health insurance policy for family:

      • No pre-policy medical check-up is required for up to 45 years and ₹10 lakh sum insured under most plans
      • Reset benefit/ restoration of sum insured is available
      • 20% cumulative bonus is available after every claim-free year
      • Tax benefits can be availed on health insurance premiums under Sec 80D of the Income Tax Act
      • Cashless preventive health check-ups are available
      • Wellness programs/value-added services, including health assistance and ambulance assistance services, are available
      • 2.5% pneumococcal disease vaccination discount is available
      • Up to 15% tenure discount is available
      • Up to 16% zonal discount is available
      • 10% wyn fit discount is available

      Inclusions of ICICI Lombard Health Insurance for Family

      The following coverage are provided by ICICI Lombard health insurance plans for family:

      Coverage Benefits ICICI Lombard Health AdvantEdge Plan ICICI Lombard Health Shield 360 Retail Plan ICICI Lombard Wyn Shield Plan ICICI Lombard Complete Health Insurance Plan ICICI Lombard Max Protect Plan ICICI Lombard Smart Super Health Insurance Plan ICICI Lombard Elevate Plan
      In-patient treatment
      Day care procedure/treatment
      Pre-hospitalization medical expenses
      Post-hospitalization medical expenses
      In-patient AYUSH hospitalization X
      Domestic road ambulance cover X
      Donor expenses X
      Domiciliary hospitalization X
      Air ambulance cover X
      (under the Premium plan)
      X
      Home care treatment
      (under the Premium plan)
      X X
      Modern treatments X
      Teleconsultation(s) X
      Bariatric surgery cover X X X X
      Convalescence benefit X X X X X
      Animal bite (vaccination) X X X X X
      In-patient hospitalization for surrogate mother X X X X X
      In-patient hospitalization for oocyte donor X X X X X
      OPD benefit X X X X X X
      Wait Free Daily Cash X X X X X X
      The A-list Hospitals X X X X X X
      Parental Cover X X X X X X
      Worldwide cover X X X X
      (under the Premium plan)
      X X
      Claim protector X X X X
      (under the Premium plan)
      X X
      Second opinion on critical illness X X X X
      (under the Premium plan)
      X X
      Outpatient Emergency Treatment (Accident Only) X X X X X X
      Outpatient Dental Emergency (Accident Only) X X X X X X

      Optional Covers

      Maternity benefit X
      Newborn baby cover X
      Worldwide cover X X
      Claim protector X X
      Critical illness cover X X
      BeFit benefit X X X
      Sum insured protector/ inflation protector X X X
      Nursing at home X X X
      Super no claim bonus X X X X
      Hospital daily cash X X X X
      Convalescence benefit X X X X
      Compassionate visit X X X X
      Preventive health check-up (cashless) X X X X
      Personal accident cover X X X X
      Voluntary co-payment X X X X
      Voluntary deductible X X X X
      PED waiting period reduction X X X X
      First year vaccinations for newborn baby X X X X X
      Dependent accommodation benefit X X X X X
      Room eligibility/ room modifier X X X X X
      Preventive health check-up (reimbursement) X X X X X X
      Room rent capping X X X X X X
      LWP daily cash X X X X X X
      All payable claims X X X X X X
      Assisted procreation X X X X X X
      Coverage++ X X X X X X
      Outpatient treatment X X X X X X
      Infinite care X X X X X X
      Power booster  X X X X X X
      JumpStart X X X X X X
      Chronic disease management program X X X X X X
      Domestic air ambulance cover X X X X X X
      Durable medical equipment cover X X X X X X
      Teleconsultation(s) X X X X X X
      Maternity waiting period reduction option X X X X X X
      Specific illness waiting period reduction option X X X X X X
      Worldwide cover waiting period reduction option X X X X X X
      Network advantage X X X X X X
      NRI advantage - accidental emergencies cover for NRI X X X X X X

      Exclusions of ICICI Lombard Health Insurance for Family

      ICICI Lombard health insurance plans for family exclude the following:

      • Non-accidental OPD expenses
      • Treatment for alcoholism or drug addiction
      • Adventure sports or hazardous sports cover
      • Intentional self-injury
      • Cosmetic surgery or plastic surgery
      • External congenital defects
      • Sexually transmitted diseases

      FAQs

      • Q1. Which waiting periods apply to ICICI Lombard Health Insurance for family?

        Ans: The following waiting periods apply to ICICI Lombard health insurance plans for family:
        • Pre-existing disease waiting period - 1 year, 2 years, 3 years, 4 years
        • Specified disease/procedure waiting period - 2 years
        • Hypertension/cardiac conditions/diabetes waiting period - 90 days
        • Initial waiting period - 30 days
        • Bariatric surgery waiting period - 2 years
        • Maternity benefit waiting period - 9 months, 2 years, 3 years, 4 years
        • Critical illness waiting period - 60 days, 90 days
        • Worldwide cover waiting period - 2 years
        • Outpatient treatment waiting period - 90 days
      • Q2. How can I check ICICI Lombard health insurance for family price?

        Ans: You can go through the ICICI Lombard health insurance premium chart to know the cost of a family health plan. You can also use a premium calculator online on Policybazaar.com to know the ICICI Lombard health insurance for family cost.
      • Q3. Does the ICICI Lombard family floater policy cover maternity benefits?

        Ans: Yes. Most ICICI Lombard family health insurance plans cover maternity expenses as an optional benefit.
      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker (Life & General)| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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