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Insurance Article

What are the advantages of buying an ICICI medical insurance plan?

March 05 2013

At times, such an illness can worsen and make immediate hospitalisation an absolute necessity. During these times, you generally do not take into account the cost involved as the treatment of the ailing becomes top priority. It is however at the time of settling bills that the situation turns stressful as not everyone can arrange the finances required to settle hospital bills. To keep all such worries at bay, it is best to buy a health insurance policy.

A medical insurance policy which is comprehensive in coverage is always a better choice as you get slightly higher coverage than a simple health plan. Such a comprehensive plan will cover for all hospital and other medical charges and different insurance providers will offer coverage for miscellaneous expenses like medicine costs, doctor’s or surgeon’s fees, room rent, ambulance expenses, among others. Such additional coverage can further lighten the burden of finances during a medical exigency. 

A comprehensive insurance like ICICI Lombard complete health insurance may offers an extensive protection to your health and safeguards your finances effectively during an exigency. This ICICI medical insurance policy is available online where you can read up about the policy structure, the extent of coverage and also the add-on covers so that you can make a well informed decision.

Policy benefits: There is no limit on maximum entry age with this insurance cover. You also get lifetime renewability for the insurance cover.  With this ICICI mediclaim policy, you get the option of a larger sum insured as per plan and can also choose to cover your entire family (subject to policy terms) so that you and your family members can use the entire sum insured amount. Therefore, you may cover your entire family with just a single insurance policy which will require the payment of a single premium. You may also get the benefit of choosing the ICICI medical insurance premium as per your convenience. The zero co-payment coverage is another advantage (co-payment is the amount to be paid by the insured for the services covered by the insurance plan). You can therefore make claims without having to worry about settling a part of the cost.

For persons below 46 years of age, there is no need to undergo any medical tests and you can instantly buy the policy online. Payment methods are extremely convenient and you may choose from several options like Net Banking, Debit or Credit Card, among others. Once payment is made, you may get a digitally signed copy of your policy document which can be accessed over the internet anytime.

Disclaimer - The article contains only an indication of the cover offered. For complete details on coverage, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. This article is brought to you by ICICI Lombard General Insurance Company Limited. Insurance is the subject matter of solicitation.

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