IL TakeCare app – For all your insurance & wellness needs

Policy purchase, claims, renewal & more

What is BeFit Cover?

Health insurance doesn't have to just be there for the big concerns. It's often those tiny niggles that can cause worry. With our #UnbelievableButTrue BeFit cover, discuss whatever's on your mind with a general physician, specialist or super-specialist doctor online (available 24x7) or at the clinic. BeFit covers all your everyday health needs that does not require hospitalisation.

You can avail cashless services even for the little health hiccups, including:

Doctor consultations Pharmacy costs
Lab tests Physiotherapy sessions
Diet & nutrition e-consultation Minor procedures

BeFit is a new approach to wellbeing designed to help you be your best every day. Since it’s a rider, it can only be availed with a base stand-alone health insurance policy from ICICI Lombard by paying an additional premium.

Did you know?

In India, doctor consultations, pharmacy and lab tests expenses account for nearly 62% of healthcare costs.

What does ICICI Lombard BeFit cover?

Here’s how our wellbeing services can be there for you

  • Inclusions
  • Exclusions
  • 24x7 e-consultation

    BeFit gives access to Medical Practitioner via audio, video, online portal, chat or mobile application.
  • Lab Test and Minor Procedure Cover

    Feel better fast with timely diagnosis and minor procedures that require no hospitalisation, as listed in the plan. We will cover the costs of the lab tests and minor procedures our network medical practitioner recommends.
  • Pharmacy Cover

    Give yourself one less thing to worry about with cashless coverage for medicines and medical consumables when you are unhealthy or injured. BeFit covers the cost of medications prescribed by our network medical professional based on the plan opted.
  • Physiotherapy *

    It is easy to push joint and muscle pain to the bottom of the list, but neglecting an ache can stock problems for later. With BeFit cover, receive coverage for assessment, diagnosis and treatment of your bone and joint conditions from our network of physiotherapists.
  • e-Counselling *

    Bring out your best self with mental health virtual support sessions via our IL Take Care app. Get help in dealing with issues ranging from personal and lifestyle imbalance, stress, anxiety, pre-marital counselling, parenting and child care, speech impairment, psychological/mental illness problems and more.
  • Wellbeing Program

    Get access to healthcare that rewards and promotes your physical and mental wellbeing via a digital platform. Our wellbeing rewards programme helps you achieve your desired health goals with guidance from a personalised health coach service on the IL Take Care app.
  • Health Management Program

    The Health Management Program is designed to ensure regular monitoring of your health and timely intervention with a concrete plan for corrective measures in case of any decline in your health status.
  • Diet and Nutrition e-consultation (avail up to unlimited e-consultation for each year)*

    Access one-to-one diet and nutrition consultations with a registered network dietitian who can help you improve your health and wellbeing, including working with special dietary needs due to health conditions such as gluten or lactose intolerance.
  • Preventive Care

    Adults aged 21 years and above covered under the BeFit cover can avail of a routine and preventive health check-up once a year at our network providers anytime during the policy period on a cashless basis.
  • Health Assistance (HAT)

    We will help you get quick information to better understand your health condition by answering any queries related to health and service providers on our dedicated helpline number.
  • Ambulance Assistance

    If urgent medical attention is required, we will assist you in facilitating transportation to the nearest hospital or any clinic or nursing home for medically necessary treatment.
    * Disclaimer: Limits on consultations as per plan opted to apply.
  • 1.

    All exclusions mentioned in the Base Product will apply to the BeFit Cover unless otherwise stated and covered in the BeFit Cover policy wordings.

  • 2.

    ICICI Lombard will not make any payment for claims caused by, arising from or in any way attributable to any of the following unless expressly stated to the contrary in this BeFit cover policy wordings:

  • Medical Exclusion

    a. Inpatient treatment and daycare treatments are not covered under this product.
    b. Rest Cure, rehabilitation and respite care: Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. This also includes:
    Custodial care either at home or in a nursing facility for personal care such as help with activities of daily living such as bathing, dressing, moving around either by skilled nurses or assistants or non-skilled persons.
    Any services for terminally ill people to address physical, social, emotional, and spiritual needs.
  • Non-medical Exclusion:

    Any items or treatment specified in the excluded expenses (non-medical) listed in the policy wordings, unless specifically covered under the BeFit cover.
  • Medical Exclusion

    a. Inpatient treatment and daycare treatments are not covered under this product.
    b. Rest Cure, rehabilitation and respite care: Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. This also includes:
    Custodial care either at home or in a nursing facility for personal care such as help with activities of daily living such as bathing, dressing, moving around either by skilled nurses or assistants or non-skilled persons.
    Any services for terminally ill people to address physical, social, emotional, and spiritual needs.
  • Non-medical Exclusion:

    Any items or treatment specified in the excluded expenses (non-medical) listed in the policy wordings, unless specifically covered under the BeFit cover.
Note: All exclusions mentioned in the Base Product will apply to the BeFit cover unless otherwise stated and covered in the BeFit Cover policy wordings. ICICI Lombard will not make any payment for claims caused by, arising from or in any way attributable to any of the following unless expressly stated to the contrary in this BeFit cover policy wordings:

Why should you buy BeFit Cover?

Unbelievable but true! BeFit is first of its kind health insurance cover that provides:

Out-patient services

Avail comprehensive cashless health services that do not require hospitalisation via the IL Take Care app.

  • 24x7 teleconsultation
  • Physical doctor consultation
  • Pharmacy
  • Routine diagnostics & minor procedures
  • Physiotherapy sessions

Preventive Healthcare

Get a healthcare plan that's created to keep you in the pink of your health.

  • Health risk assessment
  • Preventive Care
  • Medical Vault
  • Chat with health experts
  • E-counselling
  • Diet & nutrition e-consultation

Wellbeing

Earn wellbeing points and redeem discounts in the premium or against other health-related offers.

  • Wellbeing activities
  • Wellbeing tasks
  • Fitness challenge & events
  • Personal Health coach

Value Added Services

Build healthy habits and get rewarded for living healthy while saving on healthcare expenses.

  • Deals & discount
  • Health Assistance services
  • Emergency ambulance assistance

How to avail of cashless claim services for BeFit Cover?

To avail of cashless service, you will need to
  • Download

    Download the IL Take Care app from the App store/Playstore.
  • Register

    Once downloaded, the policyholder is required to complete the registration and login to the home page.
  • Claim

    On the home page, click on the respective service icon to avail cashless benefits of the BeFit policy.

How to buy the BeFit Cover?

Since it’s a rider, it can only be availed with the following base health insurance policy from ICICI Lombard

Health AdvantEdge Avail BeFit Cover

ICICI Lombard’s Health AdvantEdge policy provides you with extensive coverage during a medical emergency. The medical policy gives you access to a wide range of cashless hospitals nationwide.

Know more

ICICI Lombard Health Booster Avail BeFit Cover

Health Booster policy makes your health insurance more potent. It is a super top-up plan that acts as a backup in case your base plan gets exhausted. You can also purchase a Health booster plan with ICICI Lombard without having a base plan.

Know more

Arogya Sanjeevani Policy BeFit Cover - Coming soon

Arogya Sanjeevani Policy, ICICI Lombard is a health plan that takes care of your basic healthcare needs. It comes at an affordable premium with flexible sum insured options starting from ₹1 lakh.

Know more

Why do our customers love us?

And we think you will too

6500+ network hospital* partners

for hassle-free consultations

Completely cashless policy

Access cashless healthcare from your smartphone

24x7 customer support

Call or Chat 27x4 with experienced call centre representatives for any queries

Get your questions regarding BeFit Cover answered

  • General
  • Cover
  • Policy
  • Premiums
  • Claims

What is BeFit Cover?

ICICI Lombard BeFit Cover provides coverage for OPD requirements on a cashless basis. BeFit covers expenses across physical and virtual consultation by general, specialist and super-specialist doctors as well as physiotherapy sessions. This cover also caters to other out of pocket expenses such as pharmacy, minor procedures, routine diagnostics and wellness programs. Since this is a Cover, BeFit can only be availed along with a base policy from ICICI Lombard.

What are the base policies with which BeFit Cover can be availed?

  • Health AdvantEdge
  • Arogya Sanjeevani Policy
  • ICICI Lombard Health Booster

What are the benefits of BeFit Cover?

  • Outpatient consultation
  • Covers expenses of physical consultations with a general medical practitioner, specialist or super-specialist doctor in a policy year.

  • Physiotherapy
  • Covers expenses of physiotherapy sessions with a medical practitioner during the Policy Period

  • Pharmacy cover
  • Covers expenses of medicines, drugs, and medical consumables, prescribed by a medical practitioner under our cashless network up to a pre-defined sum.

  • E-counselling
  • Covers expense of e-counselling availed for mental health virtual support sessions via our IL Take Care app.

  • Diet and Nutrition e-consultation
  • Covers expense of diet and nutrition e-consultation via the IL Take Care app

  • Teleconsultation
  • Covers the expense of teleconsultations with a doctor via calls, video or chat option on the IL Take Care app.

  • Preventive Healthcare
  • Fee medical check-up once a year for adults aged 21 years and above included in the policy

  • Ambulance Assistance
  • Covers facilitating ambulance assistance service in case of urgent medical attention

What are the relationships that can be covered in a single BeFit Cover policy?

Self, Spouse, Dependent children, Dependent Grandchildren, Dependent parents, Dependent Parents in law, Siblings and grandchildren.

What covers does the BeFit Cover offer?

  • Outpatient consultation
  • Routine Diagnostic and Minor Procedure Cover
  • Physiotherapy
  • Pharmacy cover
  • E-counselling
  • Diet and Nutrition e-consultation
  • Teleconsultation
  • Preventive Healthcare
  • Ambulance Assistance

What are the minimum and maximum entry ages to avail of the BeFit Cover?

The minimum entry age for an individual is 6 years. Children between the ages of 3 months to 5 years can be insured under a floater plan only. The maximum entry age shall be restricted to 65 years. The max age for dependent children under a floater policy is 20years.

What is the maximum age limit for renewal of the policy?

There is no maximum age limit for renewal. Policy buyers can renew at any age once availed.

What is the maximum number of members that can be added to a single policy?

A maximum of 5 members can be added in a single policy, on a family floater basis - 2 adults and a maximum of 3 dependent children can be included.

What are your Premium rates?

The premium rates are based on the sum insured and the base coverage selected along with the policy's tenure. You can calculate the premium using our calculators.

How to claim under the BeFit Cover policy?

To avail of cashless service, you will need to
  • Download the IL Take Care app from the App store/Playstore.
  • Once downloaded, the policyholder is required to complete the registration and log in to the home page.
  • On the home page, click on the respective service icon to avail cashless benefits of the BeFit policy.

How are the claims paid?

All benefits under this Cover can be availed on a cashless basis only.

Reviews and Ratings

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Product Product Code UIN no.
Health AdvantEdge 4193 ICIHLIP23075V032223
BeFit Rider 4180 ICIHLIP21569V012021
Health Booster 4140 ICIHLIP22100V032122

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