ICICI Lombard’s iHealth Plan

ICICI Lombard General Insurance Company Limited is one of the largest private sector general insurance companies in India. The insurer has a wide range of insurance products such as motor, health, travel, home, student travel and more.

Products and Services

  • ICICI Lombard Motor Insurance
  • ICICI Lombard Health Insurance
  • ICICI Lombard Travel insurance
  • ICICI Lombard Home Insurance
  • *ICICI Lombard Specialty Lines Insurance8
  • ICICI Lombard Property Insurance
  • ICICI Lombard Marine Insurance
  • ICICI Lombard Liability Insurance
  • ICICI Lombard Crop/weather Insurance

Note: All information has been sourced from the official website of ICICI Lombard.

ICICI Lombard iHealth is a comprehensive health insurance plan offered by ICICI Lombard General Insurance Company Limited.

Feature and Benefits of ICICI Lombard iHealth Plan

The key features and benefits of this plan are:

  • Get health cover along with additional covers like Hospital Daily Cash, Convalescence Benefit, Critical illness, Donor Expense
  • Cashless approval within 4 hours at 5025+ network hospitals
  • Premium paid towards a policy is eligible for tax deduction under Section 80D of the Income Tax Act, 1961
  • Quick, hassle-free, paperless claim settlement process
  • Top-up option to enhance sum insured
  • Add-ons available
Cashless TreatmentYes, across 5025+ network hospitals
Pre/Post Hospitalization30 and 60 days respectively
Ambulance ChargesMaximum amount payable is Rs. 1,500 per event of emergency hospitalisation
Cumulative BonusAn Additional Sum Insured of 10% of Annual Sum Insured provided on each renewal for every claim-free year up to a maximum of 50%.
Medical Check-up
  • Free Health Check-up at designated centers, subject to a maximum of 2 coupons per year for floater policies
  • No medical tests will be required for insurance cover below the age of 46 years and Sum Insured up to Rs. 10 Lakhs
  • Tax BenefitsAs per Section 80D of the Income Tax Act, 1961
    Co-PaymentNA
    ReimbursementYes, you can opt for either reimbursement or cashless claim settlement
    Pre-existing DiseasePre - Existing conditions / diseases will be covered immediately after 2 years of continuous coverage under the policy
    FlexibilityOption of choosing 1 or 2-year policy period under various plans offered
    Sum Insured
  • Rs. 3 lakhs to Rs. 50 lakhs
  • An Additional Sum Insured of 10% of Annual Sum Insured provided on each renewal for every claim-free year up to a maximum of 50%
    Coverage
  • iHealth :
  • Hospitalisation+ In Patient AYUSH + Domestic Road Emergency Ambulance Cover + 2 Years PED + Reset Benefit + Wellness Program
  • Health Protect Plus :
  • Hospitalisation + In Patient AYUSH + Domestic Road Emergency Ambulance Cover + 2 Years PED + Maternity + Newborn Baby Cover + OPD + HDC + Convalescence Benefit + Reset Benefit + Wellness Program
  • Health Smart :
  • Hospitalisation + In Patient AYUSH + Domestic Road Emergency Ambulance Cover + 2 Years PED + Maternity + Newborn Baby Cover + OPD + HDC + Convalescence Benefit + Reset Benefit + Wellness Program
  • Health Smart Plus :
  • Hospitalisation+ In Patient AYUSH + Domestic Road Emergency Ambulance Cover + 2 Years PED + Maternity + Newborn Baby Cover + OPD + HDC +Convalescence Benefit + Nursing at Home +Compassionate Visit + Medical Evacuation Cover + Reset Benefit + Wellness Program
    Premium Charges
  • Age: 26 - 35 | Family Size: 2 Adults + 1 Child
  • iHealth: Rs. 11,156 (7 lakhs SI), Rs. 11,870 (10 lakhs SI)
  • Health Smart: Rs. 24,057 (7 lakhs SI), Rs. 24,772 (10 lakhs SI)
  • Day Care ProceduresMedical expenses incurred while undergoing Specified 150 Day Care Procedures
    Organ Donor BenefitReimbursement up to Rs. 50,000
    Plan Option
  • iHealth
  • Health Protect Plus
  • Health Smart
  • Health Smart Plus
  • Waiting Period2 years

    Value-Added Benefits of ICICI Lombard iHealth Plan

    • In-Patient AYUSH Treatment
    • Reset Benefit
    • Wellness Program
    • Hospital Daily Cash
    • Critical Illness Cover
    • Maternity and Newborn Cover Benefit
    • Nursing at Home
    • Medical Evaluation
    • OPD Treatment
    • Lifelong Renewability
    • Floater Benefit

    In addition to the above free health check-up, online chat with doctors, specialist e - consultation, dietician and nutrition e-consultation, consultation on physiotherapy, speech and audiology, vaccination care, provide information on offers related to healthcare services like consultation, diagnostics, medical equipment and pharmacy.

    Inclusion of ICICI Lombard’s iHealth Plan

    The inclusions under this plan are:

    • In-patient hospitalization
    • Pre/Post Hospitalization
    • AYUSH
    • Day Care Procedures
    • OPD
    • Medical Check-up

    Exclusions of ICICI Lombard’s iHealth Plan

    The exclusions under this plan are:

    • Any Illness contracted within a period of 30 days of insurance start date, except those incurred as a result of Injury
    • All types of Skin and internal tumours / cysts / nodules / polyps of any kind including breast lumps unless malignancy
    • Joint replacements unless due to accident
    • Myomectomy, Hysterectomy unless because of malignancy
    • All types of internal congenital anomalies / illness / defects
    • 2 years waiting period for pre-existing diseases
    • Self-inflicted injury/suicide/mental disorders
    • Substance/drug abuse
    • Dental Treatment
    • HIV/AIDS/STDs

    Eligibility Criteria for ICICI Lombard’s iHealth Plan

    The minimum entry age for the insured is 6 years and there is no restriction on maximum entry age. Children between 3 months to 5 years can be insured under a floater plan only. Self, spouse, dependent parents, dependent children, brothers and sisters can be covered for the same Sum Insured under a single policy by paying one premium amount.

    Documents Required to Buy ICICI Lombard’s iHealth Plan

    The documents required to purchase this plan are:

    • Application/Proposal Form
    • KYC - Proof of Address and ID
    • Medical check-up/report, if required
    • Bank Mandate Form - SI/SIP

    Easy Procedure to Renew ICICI Lombard’s iHealth Plan

    You can renew your ICICI Lombard iHealth Plan by simply visiting the official website of ICICI Lombard. Login in with your registered User ID and Password. Once logged-in, the details of your policy will be visible along with the renewal amount and date.

    What is the Claim Procedure for ICICI Lombard’s iHealth Plan?

    In case of an emergency, use your health ID card at ICICI Lombard Health Care network hospitals and avail cashless services. Contact the 24-hour toll-free no. 1800 2666 immediately. For treatment in non-cashless hospitals, the claim form should be filled fully after discharge from hospital and sent to ICICI Lombard Health Care office with all the relevant documents.

    Documents Required to Claim ICICI Lombard’s iHealth Plan

    The standard list of documents required for submission:

    • Duly completed claim form signed by you and the medical practitioner
    • Original bills, receipts and discharge certificate / card from the hospital / medical practitioner
    • Original bills from chemists supported by proper prescription
    • Original investigation test reports and payment receipts
    • Indoor case papers
    • Medical Practitioner’s referral letter advising hospitalisation in non-accident cases
    • Any other document as required by ICICI Lombard Health Care to investigate the claim or our obligation to make payment for the same
    Conclusion

    Given the current scenario of the world, it is highly recommended that you purchase a comprehensive health plan for you and your entire family.

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