ICICI Lombard Health Insurance Top Up Plan

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      ICICI Lombard Health Insurance Top Up Plan

      ICICI Lombard Health Insurance Top Up plans provide additional medical coverage to the insured if the base policy is exhausted. These plans by ICICI Lombard General Insurance Company come with a mandatory deductible that must be paid to activate the policy. Moreover, the deductible amount is decided at the time of buying the policy.

      ICICI Lombard Health Insurance Top Up Plan: Key Highlights

      Take a look at the various ICICI Lombard health insurance top up plans below:

      Plan Name Sum Insured (₹) Deductible (₹) PED Waiting Period
      ICICI Lombard Health Booster Plan 2 lakh to 50 lakh 50,000 to 5 lakh 2 years
      ICICI Lombard Health Care Plus Plan 5 lakh to 10 lakh 2 lakh to 4 lakh 4 years

      Eligibility Criteria for ICICI Lombard Health Insurance Top Up Plan

      Here are the eligibility criteria to buy an ICICI Lombard health insurance top up plan:

      Categories

      Eligibility Criteria

      Adult Child
      Minimum Entry Age 18 years 91 days
      Maximum Entry Age 65 years
      No age limit (For the Health Booster plan)
      20 years
      No. of Relationships Covered

      2 adults + 3 children

      Family Members Covered 

      Self, spouse, dependent children, siblings, dependent parents, grandparents, grandchildren, parents-in-law, children-in-law, dependent brother-in-law and dependent sister-in-law

      Renewability

      Lifetime

      Key Benefits of ICICI Lombard Health Insurance Top Up Plan

      Check out the key benefits of buying an ICICI Lombard health insurance top up plan:

      • Individual and family floater coverage are available
      • Reset benefit and wellness program are available
      • No sub-limits on room rent, hospitalization, doctor fees and diagnostic tests are applicable
      • Complimentary health check-up benefit is available
      • 5% cumulative bonus for up to 50% is available for every claim-free year
      • Up to 12.5% tenure discount is available
      • Up to 12.5% family discount is available
      • Soft copy discount of ₹100 is available
      • No co-payment is applicable (Except for senior citizens under the Health Booster plan)
      • Tax benefits are available under Sec 80D of the Income Tax Act 

      *The benefits may differ from one ICICI Lombard health insurance plan to another.

      Inclusions of ICICI Lombard Health Insurance Top Up Plan

      ICICI Lombard health insurance top up plans include the following coverage:

      • In-patient treatment
      • Day care treatments
      • In-patient AYUSH treatment
      • Domiciliary hospitalization
      • Donor expenses
      • Pre and post-hospitalization expenses
      • Domestic road emergency ambulance cover

      Exclusions of ICICI Lombard Health Insurance Top Up Plan

      The following expenses are excluded from ICICI Lombard health insurance top up plans:

      • Non-accidental dental expenses
      • Treatment received outside India
      • Maternity expenses
      • Cosmetic or plastic surgery
      • Sterility and infertility treatments
      • Intentional self-injury
      • External congenital illnesses

      FAQs

      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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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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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. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *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| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

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