ICICI Lombard Health AdvantEdge Plan

ICICI Lombard Health AdvantEdge Policy is a comprehensive health insurance plan designed to provide you with extensive coverage and benefits that cater to your healthcare needs. With the option to buy online, the policy offers financial protection and peace of mind. Get insured today with ICICI Lombard Health AdvantEdge Policy, a trustworthy health insurance plan.

ICICI LomMachine Core Health AdvantEdge Policy offers an array of exceptional features that cater to your health and well-being needs. Let's delve into the key highlights of this comprehensive insurance coverage.

• Firstly, the Sum Insured Restore Benefit ensures that you are protected even if your sum insured gets exhausted during the policy year. This feature reinstates the sum insured to its full amount, providing you with continued coverage for unexpected medical expenses.
• In case of emergency, the policy includes Domestic Air Ambulance Service, which covers the cost of transportation via air ambulance within the country, ensuring prompt access to medical facilities.
• Coverage ensures that you receive timely medical care and treatment for any pre-existing conditions after a waiting period.
• With 24/7 Video/Telephone Consultation, you have round-the-clock access to healthcare professionals from the comfort of your own home. This convenient feature enables you to seek medical advice, get prescriptions, and discuss your concerns without having to visit a physical clinic.
• ICICI Lombard Health AdvantEdge Policy goes the extra mile to promote a healthy lifestyle by offering Health Rewards. These rewards include discounts on health check-ups and wellness-related expenses, motivating you to take proactive steps towards maintaining your well-being.
• Personal accident coverage offers financial protection in the event of accidental injuries, providing you and your loved ones with peace of mind knowing that you are safeguarded against unforeseen circumstances.
• Maternity benefits are an integral part of this ICICI Lombard Health Insurance Plan, covering pre and postnatal expenses, as well as delivery-related complications, ensuring comprehensive care for both mother and child.
• The ICICI Lombard Health Insurance Plan also includes a Cumulative Bonus Guarantee, which allows you to accumulate a bonus of up to 50% of the sum insured. This bonus increases every year that you don't make a claim, enhancing the value of your coverage.
• Coverage is provided to support you if you need medical treatment at home due to a patient's condition, allowing for personalised care in a familiar environment.
• Convalescence benefits are another noteworthy aspect of this policy. If you are hospitalised for more than 10 consecutive days, this benefit covers expenses incurred during your recovery phase, such as follow-up consultations, diagnostic tests, and medications.
• With ICICI Lombard Health AdvantEdge buy online option, the policy protects your newborn, including coverage for vaccinations and other medical expenses, guaranteeing a healthy start for your little one.
• Lastly, Bariatric surgery coverage is included in the policy, providing necessary financial support for weight-loss surgeries such as bariatric surgery.

ICICI Lombard Health AdvantEdge Policy brings a plethora of benefits that cater to the diverse healthcare needs of individuals. This comprehensive health insurance policy offers coverage for various medical expenses, ensuring financial stability and peace of mind during healthcare emergencies.

Listed below are the incredible benefits when you buy Niva Bupa ReAssure 2.0 plan, designed to provide you with comprehensive coverage and peace of mind.

• Pre-hospitalisation: The policy covers expenses incurred for medical tests, consultations, and treatments received in the period leading up to the hospitalisation. This early intervention coverage ensures timely and effective healthcare management.
• In-patient Treatment: The policy provides extensive coverage for in-patient hospitalisation, including room charges, nursing expenses, doctor's fees, medication costs, and more. This ensures that individuals receive the necessary medical care without worrying about the financial burden.
• Organ Donor: The policy covers medical expenses related to organ transplantation, including the costs associated with the organ donor. This coverage acts as a lifeline for those in need of life-saving organ transplants, providing financial support during critical procedures.
• Day Care Treatment: The policy covers a wide range of daycare procedures and treatments that do not require overnight hospital stays. This includes advanced medical procedures such as chemotherapy, dialysis, cataract surgery, and more. Individuals can receive the necessary care without the need for prolonged hospitalisation.
• Ayush Treatment: ICICI Lombard Health AdvantEdge Policy recognises the importance of alternative and natural healing methods. It provides coverage for Ayush treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, enabling individuals to explore holistic healthcare options.
• Post-hospitalisation: After the hospitalisation period, the policy offers coverage for post-treatment expenses such as follow-up consultations, medications, diagnostic tests, and rehabilitation. This helps individuals in their recovery process and ensures comprehensive aftercare support.

In addition to these benefits, the policy also offers cashless hospitalisation facilities at a vast network of empanelled hospitals, allowing for seamless and hassle-free healthcare services.

The ICICI Lombard Health AdvantEdge Policy covers a wide range of diseases, ensuring comprehensive healthcare coverage for individuals. Some of the diseases covered under this policy include:

• Neurological Disorders: Conditions like Parkinson's disease, Alzheimer's disease, multiple sclerosis, and epilepsy are covered under this policy.
• Heart Disease: It covers heart-related ailments such as heart attacks, coronary artery disease, heart failure, and cardiac surgeries.
• Cancer: This policy provides coverage for various types of cancers, including lung cancer, breast cancer, prostate cancer, and more.
• Respiratory Diseases: Conditions like asthma, chronic obstructive pulmonary disease (COPD), and bronchitis are covered under this policy.
• Orthopaedic Problems: ICICI Lombard Health AdvantEdge Policy provides coverage for orthopaedic issues like arthritis, fractures, joint replacements, and spinal disorders.
• Eye-related Problems: The policy covers various eye conditions, including cataracts, glaucoma, retinal disorders, and corrective eye surgeries.
• Diabetes: The policy offers coverage for individuals with diabetes, including complications such as diabetic retinopathy, neuropathy, and kidney disease.
• Gastric Disorders: It includes coverage for ailments related to the gastrointestinal tract, such as ulcers, gastritis, and gastroenteritis.

Please note that the coverage and terms may vary based on the specific policy and its terms and conditions. It is always recommended to thoroughly review the policy document for a complete understanding of the coverage provided.

Exclusions Valid for the First 2 Years

During the first two years of the policy, treatment for the following diseases will not be covered:

• Cataract: Except for a sub-limit of Rs.20,000 per eye
• Benign Prostatic Hypertrophy
• Hydrocele, Hernia
• Hysterectomy, Myomectomy: Unless it is because of malignancy
• Fistula in Piles or Anus
• Arthritis, Rheumatism, Gout
• Joint Replacement: Unless the injury is because of an accident
• Sinusitis and disorders related to it
• Curettage and Dilatations
• Stone in the Biliary and Urinary Systems
• Skin and all Internal Cysts / Tumors / Polyps/ Nodules /, including breast lumps: Unless malignant / haemorrhoids and adenoids
• Dialysis Required for Chronic Renal Failure
• Surgery on Sinuses and Tonsils
• Duodenal and Gastirc Ulcers
• Deviated Nasal Septum

Note: If the policy stays with the same insurance company for two years consecutively, coverage for the above-mentioned diseases, illnesses, or ailments will be offered from the third year.

Pre-existing Disease Exclusion

Any illness, injury or disease, existing before the commencement of the policy will not be covered. However, this exclusion will cease to apply if the policy is renewed with the same company for two consecutive years.

Permanent Exclusions

The following treatments and expenses will not be covered under the policy:

• Non-allopathic treatment
• Childbirth and Pregnancy related diseases
• Aesthetic, Cosmetic, and Obesity-related treatments
• Expenses arising from AIDS Or HIV and related diseases
• Use or misuse of liquor, drugs or intoxicating substances
• Intentional self-injury
• War, strike, riots, nuclear Weapon-induced Treatment

Listed below are the add ons you can avail of in ICICI Lombard Health AdvantEdge Policy.

• Maternity Benefit: Buy ICICI Lombard Health AdvantEdge Policy that comes with add-on maternity benefits which can cover pre and postnatal expenses, including doctor consultation, ultrasound diagnostics, and hospitalisation expenses. This will help expecting mothers plan their finances efficiently, and reduce the burden of medical expenses.
• Sum Insured Protector: Medical expenses can be unpredictable, and the cost of treatment can quickly exhaust the sum insured limit of a health insurance policy. Buy ICICI Lombard Health AdvantEdge policy that offers a sum insured protector add-on. This add-on will ensure that your policy's sum insured is not depleted even if you make a claim, providing you with extra protection.
• Co-payment Option: ICICI Lombard Health Insurance Plan offers you a co-payment option, where you can choose between a 10% or 20% co-pay. This means that you will be liable to pay a certain percentage of the claim amount while the remainder will be covered under the policy. Co-payments can help lower the policy's premium amount, allowing you to customize the policy as per your budget and requirements.
• Teleconsultations: With the recent COVID-19 pandemic, teleconsultations have become an essential part of healthcare services. ICICI Lombard Health Insurance Policy offers teleconsultation add-ons, which will enable you to consult with a doctor or specialist without leaving your home. This will save you time, and effort, and provide you with access to medical experts at any time of the day.

Listed below are the eligibility requirements for the ICICI Lombard Health AdvantEdge Policy.

• Enrolment Age: The enrolment age for the policy is between 5 to 65 years. The senior-most member should fall within this age bracket.
• Coverage for Adults: A maximum of two adults can be covered under a single policy. This allows flexibility for individuals or couples to be included in the same policy.
• Proposer Age: The proposer, who takes responsibility for the policy, should be above 18 years of age.
• Health Check-Up: For individuals up to the age of 55 (as on their last birthday), no health check-up is required. This simplifies the process of obtaining coverage for individuals within this age range.
• Medical Tests for Age 56 & Above: Individuals aged 56 years and above are required to undergo medical tests at designated diagnostic centres of the ICICI Lombard Health Insurance Plan. This ensures a comprehensive assessment of the health condition of individuals in this age group.
• Renewal Age: The policy can be renewed until the age of 70 years. This provides extended coverage and peace of mind for policyholders as they age.
• Income Tax Benefit: According to the Income Tax Act, of 1961, individuals can avail income tax benefits under Section 80D for policies purchased for self, spouse, dependent children, or parents. This enables policyholders to enjoy tax benefits while ensuring the health coverage of their loved ones.

In situations of emergency or planned hospitalisation, you can conveniently make use of your Health ID Card at ICICI Lombard Health Care network hospitals to benefit from cashless services.

When seeking treatment at non-cashless hospitals, it is important to fill out the claim form completely after being discharged from the hospital. Afterwards, you should send the filled form along with the following original documents to the ICICI Lombard Health Insurance Plan office:

• Claim form that is properly filled and signed by both the insured individual and the doctor
• Any additional documents that may be required based on the specific circumstances
• Original bills for medicines, laboratory tests, and hospital expenses
• Original payment receipts, duly stamped
• Original discharge card/summary and the final bill
• All investigation reports in their original form

Please keep in mind that only expenses directly related to hospitalisation will be reimbursed according to the policy coverage. Non-medical expenses will not be eligible for reimbursement.

ICICI Lombard Health AdvantEdge Policy stands out as the best choice for health insurance. With its comprehensive coverage, including hospitalisation, pre and post-hospitalisation expenses, and daycare procedures, it ensures complete protection. Add to that the convenience of cashless hospitalisation and a large network of hospitals. Its affordability and customer-oriented approach make it the top pick for your health insurance needs.