ICICI Lombard Health Insurance

ICICI Lombard General Insurance Company Ltd. is one of the largest general insurance providers in the private sector. The insurance company has a website from where one can purchase and renew online policies. Once the policy is purchased online, it is issued immediately. The company aims to offer unmatched services to its customers and all efforts are channelized to provide customer-centric solutions within the insurer’s product range.

ICICI Lombard General Insurance Highlights

Features	Specifications
Network Hospitals	4500+
Waiting Period for Pre-existing Disease	4 years
Incurred Claims Ratio	80.38%
Number of Policies Issued	890383
Grievances Solved	98.32%
Renewability	Lifetime

Among the Company’s Health Insurance Offerings are the Following Plans:

ICICI Lombard Complete Health Insurance
ICICI Lombard Health Booster
ICICI Lombard Personal Protect Insurance Policy
ICICI Lombard Health Care Plus Policy
ICICI Lombard Group Personal Accident Policy
ICICI Lombard Group Health Insurance

ICICI Lombard Complete Health Insurance:

The ICICI Lombard Complete Health Insurance plan is a total health insurance solution that aims to provide coverage to not just the proposer but also his/her family. Coverage options are also flexible. Customers can choose to make their cover more comprehensive by opting to cover critical illnesses in addition to the basic plan.

Entry Age	The minimum entry age is 6 years under individual policy and there is no limit on the maximum entry age. Under the floater plan, children are covered between the ages of 3 months and 5 years.
Policy Period	1 or 2 years, as per plans offered
Renewability	Lifetime
Medical Screening	No health check-up is needed up to the age of 45 years (age as on last birthday) and sum insured up to Rs.10 lakh
Floater benefit	The floater cover protects the insured individual, spouse, brothers, sisters, dependent children, and dependent parents under the same plan. A single premium is payable for the cover. Children above the age of 3 months can avail coverage as long as the plan covers at least one adult.
Sum Insured	The customer can choose sum insured between Rs.3 lakh and Rs.50 lakh, based on his/her specific insurance needs. Additional sum insured: 10% increase in sum assured for every claim-free year; max. 50%; awarded at renewal If the customer raises a claim, the accumulated additional sum insured will go down by 10% the next year.
Premium	Depends on the amount of coverage opted for
Coverage	Hospitalisation cover Post and pre hospitalization costs Daycare treatments cover AYUSH treatments at approved hospitals Reset benefit Additional sum insured Emergency ambulance cover Free health check-up Wellness programme
Add-on Covers	Hospital daily cash Maternity benefit Convalescence benefit Nursing at home Newborn baby coverage Outpatient treatment cover Air travel allowance for family member as part of compassionate visit Wellness and preventive health checkups Donor expenses Critical illness cover Medical evacuation coverage Personal Accident Cover

ICICI Lombard Health Booster:

The Health Booster plan offered by ICICI Lombard is a super top-up insurance product that extends coverage for illnesses and expenses that are not covered under the base plan. The product is ideal for customers who are looking to protect themselves from surging medical costs and unprecedented medical issues.

Entry Age	Minimum entry age is 6 years for individual policy. Children aged 3 months to 5 years can avail insurance under the floater policy. There is no limit on the maximum entry age.
Renewability	Reset up to 100% of the sum insured once in a policy year in case the sum insured including accrued additional sum insured (if any) is insufficient to make the claim. This is applicable for policies with deductible chosen as Rs.3 lakh and above.
Medical Screening	Medical underwriting is required for an individual who is more than 45 years of age or opting for Sum Insured more than Rs.10 lakh, or both
Basis	Individual and floater
Coverage	Sum insured amount options from Rs.5 lakh to Rs.50 lakh and flexible deductible options (Rs.3 lakh, Rs.4 lakh & Rs.5 lakh) to suit your needs
Add-on Covers	Optional Cover 1: Hospital Daily Cash & Convalescence Benefit Optional Cover 2: Personal Accident Cover, Temporary Total Disablement (TTD) Rehabilitation Cover & Repatriation of Remains Optional Cover 3: Critical Illness Cover

ICICI Lombard Personal Protect Insurance Policy:

ICICI Lombard offers the Personal Protect Policy that provides coverage for Accidental Death and Permanent Total Disability (PTD). The ICICI Lombard Personal Protect Insurance Policy offers coverage for terrorism as well. An optional cover is offered for Accidental Hospitalization Expenses and Accidental Hospital Daily Allowance.

Eligibility	The customer should be between 18 and 80 years of age to be able to buy the policy. You can also purchase the policy for your spouse, children, or parents.
Basis	Individual
Medical screening	Not required
Coverage	The policyholder has the flexibility to choose the sum insured between Rs.3 lakh, Rs.5 lakh, Rs.10 lakh, Rs.15 lakh, Rs.20 lakh, and Rs.25 lakh. The plan offers worldwide coverage. The claim process is easy with limited documentation. The customer can buy the policy online and benefit from premium payment in installments.

ICICI Lombard Health Care Plus Policy:

The ICICI Lombard Health Care Plus Policy is designed to offer coverage for healthcare costs till the end of the policyholder’s life. Premiums can be paid in easy installments. Cashless hospitalization facility is available at 4,500 network hospitals across India. The sum insured and policy tenure can be chosen as per the requirements of the customer.

Entry Age	Individuals between 5 years and 65 years are eligible for this policy
Policy Tenure	1 or 2 years
Renewability	Lifetime renewability
Medical screening	Only applicants above the age of 56 years are required to undergo a pre-policy check-up
Premium	Depends on the sum insured, tenure, and coverage chosen by the applicant
Benefits	Coverage of pre-existing diseases after renewing the policy for 4 continuous years Tax benefits under section 80D There is no co-payment under the plan At the time of policy renewal, any one of the insured members can receive free health check-up Value-added services are offered through ICICI Lombard Health Care The policy has two components, i.e., the sum insured and the deductible. Sum insured is the maximum amount that is payable under the policy. After the deductible threshold, claims will be admissible under the plan
Exclusions	Illnesses/injuries contracted within 30 days of the initiation of the policy, except for accidents Diseases/injuries existing before the policy inception Non-allopathic treatments, childbirth issues, obesity treatments, aesthetic procedures Nuclear disasters, riots, strikes, war, etc. HIV, AIDS, and related sexually transmitted diseases
Grace Period	A grace period of 30 days is granted to renew the policy

ICICI Lombard Group Personal Accident Policy:

The ICICI Lombard Group Personal Accident Policy compensates the insured person in the event of accidental loss of eyes/limbs, permanent total disability, permanent partial disability, or accidental death.

Sum insured	This is dependent on the earning capacity of the person insured
Premium	The premium is decided on the basis of the insured person’s occupation and benefits derived from the policy
Exclusions	The plan does not offer coverage for suicide, self-inflicted injuries, war, nuclear disasters, venereal diseases, and pregnancy
Discounts	The customer can avail a group discount based on the group size. This discount is offered in slabs and increases with the group size

ICICI Lombard Group Health Insurance:

This policy can be taken by businesses to provide health insurance for all employees and their families.

Coverage

The plan offers coverage for medical expenses through hospitalisation for a minimum timeframe of 24 hours.
The cover is inclusive of expenses incurred 60 days post hospitalisation and 30 days before hospitalisation.
The product offers the policyholder the flexibility to choose the amount of coverage.
If needed, the family floater cover can be availed under the plan.
Members can receive cashless hospitalisation services at an extensive set of network hospitals in the country.
The plan offers coverage for pre-existing diseases and maternity expenses on the payment of extra premium.

Claims

Cashless claims – If the insured member is hospitalised following an emergency, he/she can use the health card at any of the network hospitals affiliated to the insurer and receive cashless treatment. This is applicable for planned hospitalisations as well.
Reimbursement claims – The insured member can choose to get hospitalised at a hospital outside the network of the insurance company. In this case, he/she will be required to pay for the expenses at the time of discharge. Following this, he/she should submit the updated claim form to the insurer with all original hospital bills and payment receipts. The bills for medicines, doctor’s prescriptions, pathological reports, and discharge summary should also be furnished. The insurer will validate the claim and reimburse the expenses incurred by the insured member through the claim payout.

Avail Tax Benefits with ICICI Lombard Health Insurance Policies:

ICICI Lombard Health Insurance policyholders are liable to save tax under Section 80D of the Income Tax Act, 1961. Listed below are the tax deductions benefits of all ICICI Lombard health insurance plans.

Tax Deductions under Section 80D of the Income Tax Act, 1961.

Deductions up to Rs.25,000 per individual can be availed on the medical insurance premiums paid for spouse, children, and self.
Parents can get tax deduction up to Rs.25,000, and senior citizens can receive deductions up to Rs.30,000.

7 Reasons for Buying ICICI Lombard Health Insurance Plans:

Here is a list of reasons why ICICI Lombard Health Insurance is suitable for you and your family:

Lifelong renewability: Stay protected with ICICI Lombard Health Insurance policies that come with a lifelong renewability option so that you can get health cover when you need it the most.
Speedy claims process: Cashless claims shall be settled within 4 hours of registering the claim request and for reimbursement claims, within 14 days.
AYUSH treatment cover: Get reimbursement for alternative treatments such as Ayurveda, Unani, Siddha and Homeopathy (AYUSH) treatment at a government hospital or institute recognized by the government or accredited by Quality Council of India.
Add-on cover: For enhanced coverage, add-on covers such as Maternity and Newborn Baby Cover, Wellness and Preventive Healthcare cover, and Outpatient Treatment Cover can be attached to the base health insurance policy.
Reset sum insured up to 100%: Once in a policy year, the sum insured will be restored up to 100%, provided the claim has been made in the same policy year. The reset sum insured will be for illness or injury that is unrelated to the claim that has already been paid.
Value-added services: Get free health-checkup, online chat with a doctor, consultation with specialist to stay fit and healthy.
Tax benefit: Get tax deduction on premium paid towards a health insurance policy under Section 80D of the Income Tax Act, 1961.

Value-Added Benefits Under ICICI Lombard Health Insurance Plans:

Free value-added services offered by ICICI Lombard Health Insurance are:

Free health check-up which includes medical examination, fasting blood sugar, urine routine, blood grouping and Rh, CBC, ECG, Hb%, PPBS – Post Prandial, and Total Cholesterol.
Online chat with ICICI Lombard-appointed doctor.
To help customers stay fit and healthy, benefit from the insurer’s value-added service – dietician and nutritionist consultation.
Specialist consultation with one follow-up session.
The in-house wellness and claim processing platform, ICICI Lombard Health Care, delivers multiple wellness initiatives and easy claim processing services.
The Health Advisor facility is an online platform that enables customers to share their experiences about medical facilities and record reviews.

ICICI Lombard Health Insurance Customer Care:

ICICI Prudential Life Insurance Company Ltd. is one of india’s largest, and most trusted insurance provider which was established in 2001 after a partnership between Prudential Corporation Holdings Limited, and ICICI Bank Ltd. Since its inception, the company has grown by leaps and bounds, and is now counted among the very best, in terms of its product offerings and quality of service, in the Indian general insurance space. Under its health insurance arm, ICICI offers a number of policies which are designed to meet varying customer needs.