ICICI Lombard Health Care Plus Policy

Protect your family from all uncertainties with ICICI Lombard Health Care Plus Insurance. It is a plan that takes care of the excess payment that may arise when the hospitalization bill and other expenses exceed the existing cover. Moreover when you don’t have any cover, you can still opt for this plan and get covered for the sum insured. Maximum 4 members can be covered under the plan.

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ICICI Lombard Health Care Plus Policy

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    Who is Eligible to Buy the Policy?

    The following are the eligibility conditions of the plan-

    • The enrollment age of the senior most member should be between 5-65 years
    • In a single policy, maximum two adults can be covered
    • The proposer should be above 18 years
    • The policy can be renewed till the age of 70 years
    • An individual proposer over 56 years of age has to undergo medical tests at the insurer’s diagnostic centers.

    Key Benefits of Health Care Plus

    The policyholder becomes eligible to enjoy the following benefits-

    • Individual cover for each member of the family
    • Flexible sum insured
    • Long term cover of 1 or 2 years
    • Flexible deductibles
    • No Co Payment
    • Free health checkup for any one insured member at the time of policy renewal
    • Income tax benefit under Section 80D

    What is Covered Under the Policy?

    The insurer will indemnify the insured against-

    • Hospitalization expenses covering
    • Hospital room rent/bed charges
    • Medicine and surgical expenses
    • Diagnostic test
    • Doctor’s/surgeon fees
    • Pre-existing ailments are covered after 4 years of continuous coverage with the insurer

    What is Not Covered Under the Policy?

    The exclusions of the policy can be divided under two heads-

    Exclusions which are valid for only 30 days:

    1. Any illness or disease arises 4 years before the commencement of the policy coverage.
    2. Any medical expenses which are incurred during first 30 days of the inception of the policy coverage
    3. Expenses incurred on the treatment of the below diseases which happen within first 2 years from the inception of the policy-
    • Cataract
    • Joint Replacement unless it is due to an accident
    • All kinds of hernia
    • Arthritis, rheumatism and spinal disorders
    • Stones in the urinary system
    • Gastric and Duodenal ulcers
    • Dialysis required for chronic renal failure
    • Surgery on tonsils, adenoids and sinuses

    Permanent Exclusions

    • Any physical or medical condition which is specifically excluded in the policy
    • Routine medical, eye and ear examinations, cost of spectacles, laser surgery
    • Suicide or self-inflicted injury
    • Treatment of birth defects
    • Dental treatment
    • Hormone replacement therapy
    • Cost of cochlear implant(s) unless required by an accident
    • Personal comfort and convenience items
    • Cosmetic surgery

    Note - There could be more exclusion under the policy. Please check the policy wordings for more details.

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    ICICI Lombard Health Care Plus Policy Reviews & Ratings

    0 / 5 (Based on 31 Reviews)
    (Showing Newest 9 reviews)
    Omkar
    Chennai , October 26, 2021
    Great features
    I have got day care hospitalization feature under the mediclaim policy which i have purchased from the policybazaar. It offered me lifelong renewability Cover. It includes tax exemption benefits, cashless hospitalization and many other facilities. overall i like my plan.
    Angoor
    Kolkata , October 26, 2021
    Trustworthy website
    I rarely trust the online purchasing because of the possibility of fraud but Policybazaar has built my trust up. I went through the online process when I was taking care health insurance from here and i found this website trustworthy.
    Kush
    Surat, October 26, 2021
    Helpful staff
    I rarely trust the online purchasing because of the possibility of fraud but Policybazaar has built my trust up. I went through the online process when I was taking care health insurance from here and i found this website trustworthy.
    Ranveer
    Pune, October 26, 2021
    Low cost plan
    Such a simple and easy process to buy a policy was provided to me by Policybazaar. Someone suggested me to check the health plans on Policybazaar website. i went through a lot of plans and i found the right plan here. i bought star health insurance at low cost.
    Kushal
    Jaipur, October 26, 2021
    Good Coverage
    I have bought Bajaj Allianz Health Insurance for my family and by taking a health plan, I have secured my entire family. I have got coverage against medical expenses and buying my policy online has saved my money as I did not have to pay agent fees.
    Jitendra
    Lucknow, October 26, 2021
    Affordable plan
    A friend of mine told me about Policybazaar. He said that he has found an affordable health plan deal in Policybazaar. I went to Policybazaar to buy the same plan. I wanted a family health plan so I took Aditya Birla health insurance and it has covered every member of my family.
    Rajesh
    Kanpur, October 26, 2021
    Easy to compare
    Last week i went to Policybazaar for taking health plan for my family. An executive explained the policy very well and showed me various plans out of which i chose digit health insurance and it has covered me and my wife.
    Kuvar
    Nagpur, October 26, 2021
    Good plan
    I was able to compare the various plans easily on the website of Policybazaar. At first, i was confused about what i should choose as so many options were given there but then i bought sbi general health insurance for my parents. I got really good senior citizen health plan.
    Abhijeet
    Allahabad, October 26, 2021
    Hassle free experience
    I had an amazing and hassle free experience with policybazaar. Everything has beem very smooth when i was purchasing health insurance from policybazaar. Their team assisted me in well mannered way.
     
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