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ICICI Lombard Healthcare Plus

Objective

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.


Pros

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.


Cons

Deductible limit applies afresh to each hospitalisation.


Our View

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.


Suited for

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.

Eligibility
Entry Age (years) 
Minimum5
Maximum56
Maximum Policy Renewal Age (years)70
Coverage TypeIndividual
Sum Insured (Rs) 
Maximum10 lakh
Minimum5 lakh
Policy Term (years)1 or 2
Pre Policy Medical Check UpNot required upto 45 years of entry age
Policy TerminationEither of the policyholder or insurer can terminate the policy by giving a notice of 15 days.
Customer Service 
AddressICICI Lombard General Insurance Co. Ltd.
401-402, Interface Bldg; No.11,
Link Road, Malad (West),
Mumbai - 400064.
Mail to[email protected]
Call to1800 2666
Network HospitalsHttps://www.icicilombard.com/Content/ilom-en/Hospital_list/search.asp
Additions to the Plan
Scope Of Cover
Cashless facilityAvailable at empanelled hospitals in India
Re-imbursement facilityif treatment taken in non-empanelled hospital
In-patient TreatmentCovered
Health check-upfree ckeck up at time of renewal
Exclusions and Waiting Period
Pre-existing diseasecovered after 4 years of continuous coverage
No claim periodAny disease contracted during the first 30 days of commencement of the policy
Waiting Period24 months for treatment of specific illnesses like Cataract, hernia etc.
General ExclusionsNon-allopathic treatmenttreatment of AIDS or related condition
Annual Premium
Sum Insured (in Rs.)5 lakh 8 lakh10 lakh
Deductible (in Rs.)2 lakh3 lakh4 lakh
Number of family members
1449430902247
2764055233820
31078774165393
41348392706742
Premiums are inclusive of service tax