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Hold on … while we lock your ICICI Lombard Complete Health Insurance Policy
Since your motor insurance policy has expired, your policy cover would start 3 days after the policy is issued.
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Enjoy tax deduction benefits on the premium amount paid for yourself, spouse and dependent children
Secure wellness, health and maternity expenses
Add-on cover for Outpatient Treatment, Wellness and Preventive Healthcare, and Maternity Benefit
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In addition to coverage benefits of your policy, you also get access to an online chat with a doctor, free health check-ups and e-consultations to help you stay fit and healthy
Secure health costs for as long as you live
With our lifetime renewal facility, there is no upper age limit to your policy. Continue to renew it and stay protected from medical expenses
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Once in a policy year, your sum insured amount will be reset up to 100%
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Yes, hospitalization expenses on account of COVID-19 will be covered under the policy in accordance with the policy terms and conditions.
Claim intimation can be done online on IL Health Care or using our mobile app, IL Take Care Scanned copies or photographs of all claim related documents can be uploaded in the app. Further, the Insured is required to furnish/courier hard copies of all requisite claim documents at his/ her own expense to the below mentioned address: ICICI Lombard Healthcare, ICICI Bank Towers, Plot No. 12, Financial district, Nanakramguda, Gachibowli, Hyderabad- 500032
In case your policy has an Outpatient Treatment Cover, then waiting periods are not applicable. A claim under Outpatient Treatment Cover can be made in accordance with the claims procedure mentioned in the policy wordings. In case of hospitalization on account of COVID-19, the hospitalization expenses incurred will be covered provided the illness is contracted after completion of 15 days in case of a fresh policy. In case of a policy that has been renewed continuously without a break or in case of policies that have been ported in to ICICI Lombard, the 15 day condition will not be applicable.
Sum insured enhancement will be allowed based on medical assessment in accordance with the underwriting guidelines. However, such sum insured enhancement will be done only at the time of renewal.
The expenses towards vaccination will be covered in case the policy has Outpatient Treatment Cover.
In case your policy has an Outpatient Treatment Cover, then these expenses will be covered in accordance with the policy terms and conditions.
In case the quarantine is in a hospital on the advice of a Medical Practitioner, then the medical expenses incurred will be covered in accordance with the policy terms and conditions. However, expenses incurred on account of self-quarantine or quarantine at home will not be covered.
No. The geographical scope of the policy is limited to India.
So long as the hospitalization is in India, the travel history will not affect the admissibility of claim under the policy.
The non-payable expenses as listed by IRDAI will not be covered under your policy.
Yes, provided that they are covered under ICICI Lombard Health Insurance policy.
In case your policy has an Outpatient Treatment Cover, then all consultations with a Medical Practitioner and diagnostic tests as advised by a Medical Practitioner are covered. A claim under Outpatient Treatment Cover can be made in accordance with the claims procedure mentioned in the policy wordings. Further, in case there is hospitalization on account of COVID-19 and the same has been paid under the policy, then all expenses related to COVID-19 incurred on account of consultations with a Medical Practitioner and diagnostic tests as advised by a Medical Practitioner in the 30 day period prior to date of admission and 60 day period after date of discharge will be covered in accordance with the policy terms and conditions.
*Conditions apply
Notwithstanding anything to the contrary in the Policy, it is hereby expressed and agreed that You have voluntarily opted for a Deductible, as specifically appearing in the Policy Schedule, in consideration for a reduction in premium amount payable for this Policy.
Deductible will be applicable for each and every Claim during the Policy Year before it becomes payable by Us under the Policy. Subject otherwise to the terms, conditions and exclusions of the Policy.
Refer to the Policy Wordings document to understand exactly what all your policy covers, so you can benefit from it better.
For the first 2 years, some diseases like cataract, hernia, stone in the urinary system and others will not be covered.
Exclusions valid for the first 2 years
If the policy is renewed with us for two consecutive years, the above diseases / illness / ailments will be covered from the third year.
# Any claim for cataract treatment shall not exceed ` 20,000 per eye, during each policy year after 2 years from the policy start date.
## 4 years for sum insured up to ` 2 lakhs.
Pre-existing diseases, non-allopathic treatments and some other expenses are permanently excluded from being covered.
Permanent exclusions
ICICI Lombard Complete Health Insurance ICIHLIP10001V020910 Misc 128
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