ICICI Lombard HealthCare Plus Policy

    ICICI Lombard Health Insurance

    ICICI Lombard General Insurance Company Limited is a joint venture between ICICI Bank Limited, the second largest bank in India and Fairfax Financial Holdings, a Canada-based diversified financial firm.

    The ICICI Lombard HealthCare Plus is a basic plan that is designed to give you comprehensive protection. It is available for a tenure of 1 and 2 years with three different plans for each tenure. Also it offers flexible sum insured and deductibles.

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    Highlights of the plan

    • The policy is available in 1 year or 2 years option
    • No sub-limits on room rent, hospitalization expenses, and diagnostic fees
    • The policy becomes effective when the claim amount is beyond the deductible

    Scope of cover

    Indivdual Plan - Tenure of 1 year

    Entry Age

    For children : 5 years and above

    Adults :

    Minimum : 5 years

    Maximum : 65 years

    Number of Members Covered

    Maximum Members : 4

    Maximum Adults : 2

    Maximum Children : 2

    Sum Insured


    Plan 1: Sum Insured – 5 Lakhs, Deductible – 2 lakhs;

    Plan 2: Sum Insured – 8 Lakhs, Deductible – 3 lakhs;

    Plan 3: Sum Insured – 10 Lakhs, Deductible – 4 lakhs;


    discount

    Not Applicable


    Policy Periods Available

    1 year


    Pre-Policy Medical Check-up

    For individuals who are 56 years and above


    Tenure of 2 years

    Entry Age

    Adults :

    Minimum : 5 years

    Maximum : 65 years

    Number of Members Covered

    Maximum Members : 4

    Maximum Adults : 2

    Maximum Children : 2

    Sum Insured


    Plan 1: Sum Insured – 5 Lakhs, Deductible – 2 lakhs;

    Plan 2: Sum Insured – 8 Lakhs, Deductible – 3 lakhs;

    Plan 3: Sum Insured – 10 Lakhs, Deductible – 4 lakhs;


    discount

    Not Applicable


    Policy Periods Available

    2 year


    Pre-Policy Medical Check-up

    For individuals who are 56 years and above


    Important Features

    Day Care Treatments

    Due to scientific advancement, some surgical procedures/treatments do not require you to be hospitalized for a minimum of 24 hours to raise a claim.

      Good to Have Benefits

      Health Check-up

      Free health check-up for any one insured member upon renewal of policy

        Value Adds

        FREE LOOK PERIOD

        For any reason, should you decide not to proceed with the policy, you can return the same and request for a refund within 15 days from the date of receipt of the policy document.

          Terms & Conditions

          Room Rent / Room Category

          Up to sum insured

            Sub-Limits

            No Sub-limit on room rent, hospitalization expenses, and diagnostic expenses

              Waiting Period

              Cooling Off Period

              A 30 days cooling off period for all claims except any arising out of accidental injuries.

                Specific Illnesses

                The policy covers some specific diseases/treatments only after 24 months. Some of them are Cataract, Rheumatism, Sinusitis, Gastric and Duodenal Ulcers.

                  Pre-Existing Illnesses

                  You can claim for any pre-existing conditions after 4 consecutive renewal of your policy with the company.

                    Terms & Conditions

                    Co-Payment
                    Video

                    If the age of the policyholder or the eldest member on the policy is more than 61 years, you will have to bear the 20% co-payment charges at the time of claim.

                      Sub-Limits
                      Video

                      If the age of the policyholder or the eldest member on the policy is more than 61 years, you will have to bear the 20% co-payment charges at the time of claim.

                        Permanent Exclusions

                        The Plan will not cover any liabilities towards the treatments of following conditions-

                        • Intentional self-injury
                        • Mental illness
                        • Cosmetic, aesthetic treatment
                        • Dental surgery
                        • AIDS
                        • Pregnancy, childbirth, miscarriage, and abortion
                        • Congenital disease
                        • Infertility and in vitro fertilization.
                        • Hospitalization out of war, riot, strike and nuclear weapons

                        Review of ICICI Lombard HealthCare Plus Policy

                        This ICICI Lombard HealthCare Plus policy is a basic plan that mainly focuses on providing flexible sum insured options for individuals. You can choose either 1 or 2 years tenure depending on your preference. As there is no sub-limit on room rent, hospitalization expenses, and diagnostic fees, you can gain optimum benefit from your sum insured amount.

                        **Reviews and ratings are based only on Benefits and Conditions. Things like Claim Settlement Ratio, Hospital Network have not been covered under product ratings. These are covered under Company ratings.

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