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 Treatment |
Yes, across 5025+ network hospitals |
| Pre/Post Hospitalization |
30 and 60 days respectively |
| Ambulance Charges |
Maximum amount payable is Rs. 1,500 per event of emergency hospitalisation |
| Cumulative Bonus |
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%. |
| 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 Benefits |
As per Section 80D of the Income Tax Act, 1961 |
| Co-Payment |
NA |
| Reimbursement |
Yes, you can opt for either reimbursement or cashless claim settlement |
| Pre-existing Disease |
Pre - Existing conditions / diseases will be covered immediately after 2 years of continuous coverage under the policy |
| Flexibility |
Option 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 Procedures |
Medical expenses incurred while undergoing Specified 150 Day Care Procedures |
| Organ Donor Benefit |
Reimbursement up to Rs. 50,000 |
| Plan Option |
iHealth
Health Protect Plus
Health Smart
Health Smart Plus |
| Waiting Period |
2 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.
