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Main Highlight of the plan

  • This plan is a top-up plan with different options of sum insured and deductible.
  • This plan covers for standard treatments only.

Scope of cover

Plan

Entry Age

Maximum Number of Members

Sum insured

Individual Plan

5 years to 65 years

4

INR 5,00,000 to INR 10,00,000

The sum insured and deductible option available under this plan are:

Plan

Sum insured

Deductible

Plan 1

INR 5,00,000

INR 2,00,000

Plan 2

INR 8,00,000

INR 3,00,000

Plan 3

INR 10,00,000

INR 4,00,000

Note: This policy has pre-policy medical check-up requirement for individuals with age 56 years and above.

Coverage: Benefits & Features

Most Important

ROOM RENT/ ROOM CATEGORY

This plan does not have limit on room rent expenses.

CO-PAYMENT

This plan does not have co-pay for any claim.

NO-CLAIM BENEFIT

This plan does not have any no-claim bonus.

Good to have

PRE/POST HOSPITALIZATION

This plan does not cover pre or post hospitalization expenses.

RESTORE BENEFITS

This plan does not have a restore benefit.

HEALTH CHECK-UP

This plan offers free health check-up up on renewal.

Value Adds

AMBULANCE CHARGES

This plan offers does not cover ambulance expenses.

DOMICILIARY HOSPITALIZATION

For all the variants of this plan domiciliary expenses are covered up to sum insured.

OUTPATIENT BENEFITS

This plan does not cover for outpatient hospitalization expenses.

CRITICAL ILLNESS COVERAGE

This plan does not have additional cover for critical illnesses.

ALTERNATIVE PRACTICE

This plan does not cover medical expenses for alternative practices like Ayurveda, Unani, etc.

DENTAL COVER

This plan does not covers dental expenses.

DAILY CASH

This plan does not offer daily cash benefit.

ORGAN DONOR COVER

This plan does not cover expenses for organ donor.

CONVALESCENCE BENEFIT

This plan does not have convalescence benefit.

MATERNITY COVER

This plan does not cover maternity expenses.

Exclusions

A cooling off period of 30 days is applicable on buying health insurance policy for the first year. No claims (other than claims related to an accident) can be made in this cooling off period. There is no cooling off period applicable on renewal of this policy.
Waiting period of 2 years is applicable for some specific ailment. Refer to the policy wordings for the list of these specified ailments.
Waiting period of 4 years is applicable for pre-existing diseases.

PERMANENT EXCLUSIONS

Cosmetic surgery, Lasik eye treatments, drugs or alcohol abuse, genetic disorders, self-inflicted injuries, war related injuries, etc. are some of the exclusions. For the detailed list of please refer the ICICI Lombard Health Insurance policy document.

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