If you want a financial help at the time of hospitalisation, it is better to take any of the ICICI Lombard Health Insurance Plans. ICICI Lombard Insurance Company is mainly started to provide medical insurance to the people. There are different types of ICICI Lombard Medical Insurance Plans each offer various features to its customers. Read the complete article and know which ICICI Lombard Health Policy is best for you.
ICICI Lombard Health Insurance Plans
The medical costs are increasing day by day. An individual who hasn’t saved that much money will face a problem during hospitalisation. We all know that our health is our wealth. So, to protect our health, it is better to take a health insurance policy. ICICI Lombard Insurance is offering many plans to protect your health. The ICICI Lombard Health Plan covers the surgical and medical expenses of an insured individual at the time of hospitalisation. In the case of illness or injury, the company directly pays to the hospital/care provider of the individual or reimburses the expenses incurred.
There are 3 types of ICICI Lombard Health Insurance Plans. It is difficult for an individual to choose a plan from all those ICICI Lombard Health Plans. So, below we have provided the brief details like the review, features, benefits, inclusions, exclusions, etc. of all these plans. Check the details and take an ICICI Lombard Health Medical Plan that satisfies your requirement.
- Complete Health Insurance Policy.
- Health Booster.
- Personal Protect.
ICICI Lombard Complete Health Insurance Policy
The ICICI Lombard Complete Health Insurance policy covers the surgical and medical expenses of an insured individual at the time of hospitalisation. An individual of age above 18 years can buy this policy for him and his family members, children, and parents.
Features and Benefits of ICICI Lombard Complete Health Insurance Policy
- After 2 consecutive renewals, pre-existing diseases covered.
- Floater Benefit is available through which family like self, spouse, dependent parents, dependent children, brothers and sisters covered for the same SI (Sum Insured) under a single health policy by paying one premium amount.
- The Company will offer you a discount in premium if you opt for a voluntary deductible amount under the Policy.
- Without any entry age restriction, this policy provides lifelong renewability.
Coverages of ICICI Lombard CHI Policy
- Room, Nursing, and Boarding Expenses covered.
- Coverage of Inpatient hospitalisation expenses for a minimum of 24 hours.
- Pre-Hospitalisation expenses covered upto 30 days before admission into the hospital.
- Post Hospitalisation expenses covered upto 60 days after discharge from the hospital.
- Day-care expenses covered for advanced, technological medical surgeries requiring less than 24 hours of hospitalisation.
- Pre-existing diseases covered after 2 years / 4 years of continuous coverage.
- You can avail tax benefit on premium paid under Section 80D of Income Tax Act, 1961.
Exclusions of ICICI Lombard Complete Health Policy
- Expenses on Cataract, Surgery of hydrocele, Sinusitis and related disorders, Gastric and duodenal erosions and ulcers, Surgery of benign prostatic hypertrophy, Dialysis required for chronic renal failure, Sinusitis and related disorders, etc. not covered for first two years.
- Medical expenses incurred on Intentional self-injury, suicide or attempted suicide not covered.
- Treatment arising from childbirth, pregnancy, miscarriage, etc. not covered.
- Injuries caused by War, act of foreign enemy, invasion, hostilities, rebellion, civil war, revolution, mutiny, insurrection, military or usurped power, capture, seizure, etc. not covered.
- Medical expenses arising or resulting from an insured committing breach of law with criminal intent not covered.
- Medical expenses for correction of eyesight, contact lenses, the cost of spectacles, hearing aids, etc. not covered.
- The medical expenses incurred on Tests and treatment relating to infertility and invitro fertilization.
Eligibility of ICICI Lombard Complete Health Insurance
| Family: | Self, Spouse, Dependent parents, Dependent children, Brothers and Sisters. |
| Minimum Entry Age: | 18 years. |
| Sum Insured: |
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| Renewal: | Lifelong Renewal. |
| Medical Tests: | Not required upto the age of 46 years. |
| Policy Term: | 1 Year. |
For more information regarding this ICICI Lombard Health Insurance Plan, refer ICICI Lombard Complete Health Insurance Broucher.
ICICI Lombard Health Booster Policy
The ICICI Lombard Health Booster Insurance policy covers the medical expenses of an insured individual at the time of hospitalisation. An individual of age above 18 years can buy this policy for him and his family members, children, and parents. Below are the features, benefits, inclusions, exclusions, eligibility etc.
Features and Benefits of ICICI Lombard Health Booster Policy
- After 2 consecutive renewals, pre-existing diseases covered.
- Floater Benefit is available through which family like self, spouse, dependent parents, dependent children, brothers and sisters covered.
- You can cancel the policy within 15 days of receipt.
- Without any entry age restriction, this policy provides lifelong renewability.
Coverages of ICICI Lombard CHI Policy
- Pre-Hospitalisation expenses covered upto 30 days before admission into the hospital.
- Post Hospitalisation expenses covered upto 60 days after discharge from the hospital.
- Room, Nursing, and Boarding Expenses covered.
- Ambulance service charges covered upto 1% of the sum insured or Rs. 5000/- whichever is less.
- Coverage of Inpatient hospitalisation expenses for a minimum of 24 hours.
- It covers over 150 Day care treatments.
- Pre-existing diseases covered after 2 years / 4 years of continuous coverage.
- You can avail tax benefit on premium paid under Section 80D of Income Tax Act, 1961.
Exclusions of ICICI Lombard Complete Health Policy
- Medical expenses incurred on Intentional self-injury, suicide or attempted suicide not covered.
- Expenses on Cataract, Surgery of hydrocele, Sinusitis and related disorders, Gastric and duodenal erosions and ulcers, Surgery of benign prostatic hypertrophy, Dialysis required for chronic renal failure, Sinusitis and related disorders, etc. not covered for first two years.
- Treatment arising from childbirth, pregnancy, miscarriage, etc. not covered.
- Injuries caused by War, act of foreign enemy, invasion, hostilities, rebellion, civil war, revolution, mutiny, insurrection, military or usurped power, capture, seizure, etc. not covered.
- Medical expenses for correction of eyesight, contact lenses, the cost of spectacles, hearing aids, etc. not covered.
- The medical expenses incurred on Tests and treatment relating to infertility and invitro fertilization.
- Medical expenses arising or resulting from an insured committing breach of law with criminal intent not covered.
Eligibility of ICICI Lombard Health Booster Insurance Policy
| Family: | Self, Spouse, Dependent parents, Dependent children. |
| Minimum Entry Age: | 18 years. |
| Sum Insured: |
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| Renewal: | Lifelong Renewal. |
| Medical Tests: | Not required upto the age of 46 years. |
| Policy Term: | 1 Year. |
For more information regarding this ICICI Lombard Health Insurance, refer ICICI Lombard Health Booster Insurance Policy Broucher.
ICICI Lombard Personal Protect Policy
An individual of age above 18 years can buy this ICICI Lombard Personal Protect Insurance Policy for him and his family members, children, and parents. Below are the features, benefits, inclusions, exclusions, eligibility etc.
Features and Benefits of ICICI Lombard Personal Protect Policy
- Accidental Death or PTD (Permanent Total Disablement) cover is available.
- Optional cover is available against Accidental Hospital Daily Allowance and Accidental Hospitalisation Expenses.
- Health check-up is not required.
- Claim Process is easy with less documents.
- It covers different types of accidents like rail accidents, road, accidents due to natural calamities and arising out of terrorism.
- Digitally signed policy available online 24X7.
Coverages of ICICI Lombard Personal Protect Insurance Policy
- Accidental Death: On accidental death, within the policy period, the sum insured will be given to the nominee mentioned in your policy.
- Accidental Hospitalisation Expenses Reimbursement: In case of a minimum 24 hour hospitalisation due to injury, you can opt for an additional cover to compensate expenses, within 7 days of the date of the accident.
Exclusions of ICICI Lombard Personal Protect Policy
- Medical expenses incurred on Intentional self-injury, suicide or attempted suicide not covered.
- Any injury existing before taking the policy not covered.
- Medical expenses incurred under influence of intoxicating liquor or drugs.
- Injuries caused directly or indirectly by venereal disease(s) or insanity not covered.
- Medical expenses arising or resulting from an insured committing breach of law with criminal intent not covered.
- Injuries caused by War, act of foreign enemy, invasion, hostilities, rebellion, civil war, revolution, mutiny, insurrection, military or usurped power, capture, seizure, etc. not covered.
- Treatment arising from childbirth, pregnancy, miscarriage, etc. not covered.
Eligibility of ICICI Lombard Personal Protect Insurance Policy
| Family: | Self, Spouse, Dependent parents, Dependent children. |
| Entry Age: |
|
| Sum Insured: |
|
| Renewal: | Lifelong Renewal. |
| Medical Tests: | Not required. |
| Policy Term: | 1 Year. |
For more information regarding this ICICI Lombard Health Insurance, refer ICICI Lombard Personal Protect Policy Broucher.
ICICI Lombard Health Medical Insurance – Buying Process
From all the above mentioned ICICI Lombard Health Insurance plans, you can buy the required policy at the ICICI Lombard Insurance Branch Office or contact the agent of ICICI Lombard Insurance company. To buy a ICICI Lombard Mediclaim Plan, a proposal form/application form is required. Some policies have the facility to buy through online. The documents that may be necessary to buy ICICI Lombard Health Medical plans are,
- Application form.
- Address proof.
- A medical examination may be required in some cases, based on the age of the person and sum assured.
How to claim ICICI Lombard General Insurance Health Plan?
ICICI Lombard provides best Claim Services which ensures that all settlements are just and timely. To claim a ICICI Lombard Health Plan follow the process mentioned below.
Cashless Claim Process
If the covered person is aware of the hospitalisation in advance,
- Please contact the toll-free number: +1800 2666 or send an email to customersupport@icicilombard.com.
- Carry your ID card and policy schedule.
If the covered person meets with an accident or suffers from any other illness that requires immediate admission to the hospital,
- After the patient is taken to the hospital and avails treatment, family need to contact the toll-free help line – +1800 2666.
- Also, you could write to the ICICI Lombard company at the following address:
Retail Claims,
ICICI Lombard Healthcare,
ICICI Bank Tower, 9th Floor, Plot No. 12, Financial District,
Nanakram Guda, Gachibowli, Hyderabad – 500032,
Andhra Pradesh.
Reimbursement Claim Process
- If the insured pays the expenses himself with the hospital and gives prior intimation about the treatment to the company, then later, he can claim for a reimbursement of those expenses.
- You need to fill the claim form and submit to the nearest ICICI Lombard Insurance office along with some documents.
- Then the company will settle the claim in subject to policy terms and conditions.
ICICI Lombard Health Plan Premium Calculator
If you want to calculate the premium amount or any other, you can make use of the ICICI Lombard Insurance Premium Calculator. For calculation, the details that you may need to enter are,
- Name of the Policyholder.
- Email Id.
- Mobile Number.
- DOB.
- Sum Assured.
How to renew ICICI Lombard Health Policy?
The policy term of ICICI Lombard Health Insurance Plans is 1 year. Each ICICI Lombard Health plan provides the lifelong renewal facility. After the completion of the policy term, if you want to continue the policy you can renew the ICICI Lombard Health Medical Insurance plan. You can renew through Online or Offline. If you want to renew through offline you have to visit the nearest ICICI Lombard Insurance Branch office. This is a time taking process so it is better to follow the online process. The online procedure to renew the ICICI Lombard Health Insurance is as follows.
- Visit the ICICI Lombard General Insurance website www.icicilombard.com.
- On the top menu, you can find the ‘Renew’ option.
- Click on that and enter the Policy Number and other required details, if any.
- Click on proceed and make the ICICI Lombard Health Insurance Renewal.