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.

Read More

ICICI Lombard Health Care Plus Policy

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on ‘View Plans’ you, agreed to our Privacy Policy and Terms of use
Close
Back
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    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.

    Health insurance articles

    Recent Articles
    Popular Articles
    Should You Buy a Super Top-up Health Insurance Policy?

    18 Jan 2023

    India is abuzz with a variety of health insurance plans to cater
    Read more
    6 Reasons Why Your Cashless Health Claims Can Get Denied

    18 Jan 2023

    Cashless claims are one of the most lucrative benefits of buying a
    Read more
    Check Out the Mandatory KYC Documents for Health Insurance

    30 Dec 2022

    The Insurance Regulatory & Development Authority of India
    Read more
    What to Look for in a Health Insurance for Cancer Plan?

    20 Dec 2022

    Cancer is one of the biggest demons that the world faces today
    Read more
    What are the Factors Affecting Health Insurance Premium?

    20 Dec 2022

    Demand for insurance products in India, especially health
    Read more
    What are the Normal Thyroid Stimulating Hormone (TSH) Levels as Per Age?
    The thyroid gland is an important gland responsible to produce the right amount of hormones for normal body
    Read more
    How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
    Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
    Read more
    Income Tax Slab for Women: Guide to Exemptions and Rebates
    In India, every person who earns beyond a certain limit is liable to pay income tax to the government. The tax
    Read more
    Best Health Insurance Plans for Senior Citizens in 2023
    Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
    Read more
    How Senior Citizens can save Tax with Medical Bills u/s 80 D?
    Senior citizens can save on income tax by availing tax benefits on medical expenses under Section 80D of the Income
    Read more

     
    top
    Close
    Download the Policybazaar app
    to manage all your insurance needs.
    INSTALL