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.

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:

Any illness or disease arises 4 years before the commencement of the policy coverage.
Any medical expenses which are incurred during first 30 days of the inception of the policy coverage
Expenses incurred on the treatment of the below diseases which happen within first 2 years from the inception of the policy-