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ICICI Lombard HealthCare Plus Policy

ICICI Lombard Health Insurance

4/5 based on 23 User Reviews

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
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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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