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Health Insurance
Health Insurance

Benefits

Deductibles in Health Insurance

What is a deductible? A deductible in health or mediclaim insurance is a part of the expense which a policy holder must pay before the insurer pays the balance amount in the event of claim. The deductible component is voluntary and you can choose the amount of deductible that you are willing to pay from your pocket. Correspondingly, this will lower the premium amount of your policy. The deductible clause is applicable for all the claims within a policy year. We at ICICI Lombard offer you the option to avail a deductible under our Complete Health Insurance Policy.

Reset Benefits

What is reset benefit? Reset benefit is a feature in a health or mediclaim insurance policy. Under this benefit the sum insured of the policy holder is restored upto 100% within the same policy year, in case the sum insured is insufficient due to previous claims. ICICI Lombard offers reset benefit feature in addition to other features as part of its Complete Health Insurance and Health Booster policies.

Health Wellness Program

What is a wellness program? A wellness program is basically a program under a health or mediclaim insurance policy under which the policyholder gets points for participating in wellness activities listed under the program. Through this program we at ICICI Lombard intend to promote, incentivize and reward the policyholder for healthy behavior by helping you earn wellness points through wellness activities which can be later redeemed as per redemption terms & conditions. Our wellness program is available with both our health insurance policies.

Claim Service Guarantee

We at ICICI Lombard offer you complete health insurance solutions to protect you against rising medical costs and hospitalisation charges. As a part of our offering you get cashless hospitalisation facilities at over 4500 hospitals pan India We also have an efficient claims settlement process which has ensured settlement of 99.09% health claims in FY2016 within 30 days of claim filing. We have a specialised and dedicated in-house health claim processing and wellness platform to deliver prompt claim settlement and host a range of wellness initiatives. Our claim settlement team has a track record of quick and hassle-free claim processing, within 30 days of filing a claim!

Sub-Limit in Health Insurance

What is a sublimit in mediclaim insurance? A sublimit is a monetary cap placed on certain features within a policy. By opting for a sublimit in your medical insurance policy, a restriction comes into effect in the amount that you can avail or claim for certain features. However, by opting for a sublimit for features that you are not likely to avail, you can reduce the premium for your policy. We at ICICI Lombard understand your needs to suggest an adequate health cover for you and your family while making sure you are not paying extra premium for features you will hardly use. This is where the sublimit feature of our health insurance plan will help you.

Value Added Service

What is tax benefit in health insurance? Health or Mediclaim Insurance is considered a crucial component of tax planning for an individual. Firstly it protects your savings from the ever rising hospitalization expenses and offers a tax benefit on the premiums paid under section 80 D of the Income Tax Act, subject to certain terms and conditions.

Tax Benefits with Mediclaim Insurance

What is tax benefit in health insurance? Health or Mediclaim Insurance is considered a crucial component of tax planning for an individual. Firstly it protects your savings from the ever rising hospitalization expenses and offers a tax benefit on the premiums paid under section 80 D of the Income Tax Act, subject to certain terms and conditions.

No Claim Bonus

What is No Claim Bonus in health insurance? For an ICICI Lombard health policy if no claim has been made during the policy year, except as an out-patient, at the time of renewal, the policy offers additional or enhanced sum insured. For every claim-free policy period, you are eligible for 10% additional sum insured at the time of renewal, subject to a maximum of 50%, with regular policy renewal.

Hospital Daily Cash & Convalescence

What is Hospital Daily Cash and Convalescence benefit? One of the major benefits of ICICI Lombard’s Health Insurance Policy is hospital daily cash allowance. With this benefit, you get a certain fixed amount of cash for each day of hospitalization. This Hospital Daily Cash benefit is subject to a minimum of 3 and maximum of 10 consecutive days. Additionally, the policy offers Convalescence benefit, which ensures that your loved ones are by your side while you recover in the hospital. We provide a lump sum amount of Rs 10,000 that aids in taking care of any expenses incurred by you or those accompanying you.

Donor Expense & Critical Illness Insurance

What is Donor Expense and Critical Illness Benefit of ICICI Lombard health insurance policy? ICICI Lombard’s Complete Health Insurance and Health Booster Policy offers donor expenses upto Rs 50,000/-. This will help you to pay for Medical Expenses incurred in respect of the donor for any of the organ transplant surgery, provided the organ donated is for your use and we have admitted your Hospitalization Claim under the Policy. Critical Illness cover is a very important benefit of our policy. If you think that you are prone to certain illness due to family history or any other reason, then you can opt for the critical illness cover. With this cover, you get a lump sum amount up to the extent of cover opted on your first diagnosis of such critical illness.

OPD, Wellness, Preventive Health Care & Maternity Benefit

What is Wellness and Preventive Healthcare and Maternity Benefit of ICICI Lombard health insurance policy? Our health insurance policy offers benefits if you take steps for wellness and preventive care. Under this benefit, we will reimburse you the expenses incurred subject to Annual Sum Insured as mentioned against this Extension under this Policy for

•Routine physical & preventive examinations
•Vaccinations
•Education, consultation and training programs in the following domains:
◦ Health including nutrition tips, diet information, heart health tips, diabetes prevention, cancer/ HIV awareness, physicals and screenings
◦ Wellness including exercise guidelines, workplace stretching and warm ups, low-back pain, cumulative trauma disorders, smoking cessation, drug and alcohol education
◦ Safety including ergonomics, cumulative trauma and back care, respiratory, hearing, blood-borne pathogens, CPR/first aid, heat stress and hazard identification
• Fitness programs including gymnasium, yoga, spa therapy and massage centers
• Pandemic preparedness in terms of providing necessary drugs and equipment to protect the insured.
Under our Maternity Benefit, we will reimburse you for Medical Expenses incurred for delivery, including a caesarian section, during Hospitalization or lawful medical termination of pregnancy during the Policy Year. The cover shall be limited to 2 deliveries/terminations during the Period of Insurance.

Personal Accident & Rehabilitation Cover

What is Personal Accident Cover, Temporary Total Disablement (TTD) Rehabilitation Cover and Repatriation of Remains under ICICI Lombard health insurance policy? Apart from the many benefits, ICICI Lombard health insurance offers personal accident cover. As part of this cover, we will pay your nominee/legal heir, the sum insured as specified in the event of accidental death. In the event of Permanent Total Disablement (PTD) resulting from Accident, we will pay you the sum insured as specified against this Extension in the Policy Schedule on the occurrence of certain losses, provide such losses are total, permanent and irrecoverable resulting solely and directly from an injury sustained within a period of twelve months from the date of Accident resulting in such Injury. In the event of Temporary Total Disablement (TTD) resulting from Accident, we will pay a sum as stated in the Policy Schedule against this extension, per week, on the occurrence of Temporary Total Disablement. The compensation payable under this benefit shall not be payable for more than 10 weeks in respect of an Injury, calculated from the date of commencement of disablement. In the unfortunate event of death of the Insured Person, during the policy period, we will reimburse the legal heir/ Nominee the costs of transporting the remains of the insured person to his/her place of residence.

Cashless Hospitals

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