ICICI Lombard Healthcare Plus
This policy aims at providing an incremental protection to policyholders. It is useful to increase the existing health insurance cover.
What does it do?
In case of a claim, initial expenses upto deductible limit have to be borne by existing policy (if any) or by the policyholder. Insurance company pays the amount exceeding deductible limit upto the sum insured. It is important to understand that this policy gets triggered only if claim amount exceeds the deductible during a single claim.
This policy can be bought online.
This policy pays for health check-up of any one insured person at time of policy renewal.
There are no sub-limits.
Premiums paid under this plan qualifies for deduction under Section 80D of Income Tax Act.
Deductible limit applies afresh to each hospitalisation.
This policy is beneficial as it is designed to cover higher claims, that are beyond the reach of your existing policy, at reasonable premium rates. The premiums reduce further as you move to higher deductible and a higher sum insured. The only constraint is that deductible applies to every single treatment undertaken as an inpatient in a hospital. People with adverse family history may consider this policy in addition to their basic health cover.
Anyone who wishes to increase the existing insurance cover may buy this policy. It is also suitable for employees who feel the health cover from employer is inadequate.
|Entry Age (years)|
|Maximum Policy Renewal Age (years)||70|
|Sum Insured (Rs)|
|Policy Term (years)||1 or 2|
|Pre Policy Medical Check Up||Not required upto 45 years of entry age|
|Policy Termination||Either of the policyholder or insurer can terminate the policy by giving a notice of 15 days.|
|Address||ICICI Lombard General Insurance Co. Ltd.|
401-402, Interface Bldg; No.11,
Link Road, Malad (West),
Mumbai - 400064.
|Mail to||[email protected]|
|Call to||1800 2666|
Additions to the Plan
|Scope Of Cover|
|Cashless facility||Available at empanelled hospitals in India|
|Re-imbursement facility||if treatment taken in non-empanelled hospital|
|Health check-up||free ckeck up at time of renewal|
|Exclusions and Waiting Period|
|Pre-existing disease||covered after 4 years of continuous coverage|
|No claim period||Any disease contracted during the first 30 days of commencement of the policy|
|Waiting Period||24 months for treatment of specific illnesses like Cataract, hernia etc.|
|General Exclusions||Non-allopathic treatmenttreatment of AIDS or related condition|
|Sum Insured (in Rs.)||5 lakh||8 lakh||10 lakh|
|Deductible (in Rs.)||2 lakh||3 lakh||4 lakh|
|Number of family members|
|Premiums are inclusive of service tax|