Bharti AXA General Insurance is now part of ICICI Lombard General Insurance.

Bharti AXA General Insurance is now part of ICICI Lombard General Insurance.

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  • Instant policy. No medical checkup required #
  • All plans cover COVID-19
  • 6700+ Healthcare providers* in our network Search hospital
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  • ICICI Lombard Complete Health Insurance

    Comprehensive health policy

    Comprehensive policy for the whole family. Comes with exclusive benefits like no room rent capping, no co-payment, OPD cover & lifelong renewability. Coverage starts from ₹5 lakh for a monthly premium as low as ₹542*.

  • Arogya Sanjeevani Policy, ICICI Lombard

    Standard health policy

    Standard policy for your primary healthcare needs. Ideal for those who need a starter health insurance policy on an individual or family basis. Coverage ranges from ₹1 to ₹5 lakh.

  • Health Booster

    Increase your existing cover value

    Super top-up policy to enhance your existing health coverage. Covers your medical expenses when your basic insurance plan falls short. Coverage goes up to ₹50 lakh.

  • Personal Protect

    Accident protection

    Accident protection policy. Gives coverage against death or permanent total disablement (PTD) due to an accident. Coverage goes up to ₹25 lakh.

Adult(s)
(21 years & above)
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Kid(s)
(3 months - 20 years)
The minimum eligible age for a child is 91 days
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Adult(s)
(21 years – 65 years)
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Kid(s)
(3 months - 20 years)
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Adult(s)
(21 years & above)
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Kid(s)
(3 months - 20 years)
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#No medical tests will be required for insurance cover below the age of 56 years and sum insured up to ₹20 lakh. *As on June 30, 2022.

 

7 reasons to buy Arogya Sanjeevani Policy, ICICI Lombard

  • Secures medical costs for AYUSH treatment

    Your hospital bills for alternative treatments like Ayurveda, Yoga, Unani, Siddha and Homeopathy are covered.

  • Avail tax benefit

    As per section 80D, you can save up to ₹25,000 in taxes on securing yourself, your dependent parents and children, and up to ₹50,000 if you are a senior citizen.

  • Speedy approvals for your claims

    With a customer care team that works round the clock, your cashless claims are bound to be settled faster.

  • 99.8% health claim settlement ratio (FY 20-21)

    Our robust processes help settle a higher number of claims. So if you make a claim, rest assured your claims will be handled smoothly.

  • Enjoy extra sum insured on every claim-free year

    Get 5% additional sum insured as a Cumulative Bonus up to a maximum of 50% on every claim-free year. You don’t have to pay an extra premium for the additional sum insured.

  • Receive cashless medical care at your nearby hospital

    Our wide network of more than 6500+ Healthcare providers ensures you get quality medical care at the right time in your vicinity.

  • Choose a sum insured that you are comfortable with

    From ₹1 Lakh to ₹5 Lakh, choose how much you want as your sum insured. Depending on what you choose, your premium will vary.

UNDERSTAND YOUR AROGYA SANJEEVANI POLICY, ICICI LOMBARD COVERAGE

Your policy coverage and benefits:

  • In-patient hospitalisation:

    In-patient hospitalisation expenses like room rent/boarding and nursing up to 2% of sum insured subject to a maximum of ₹5,000 per day. Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) charges up to 5% of sum insured subject to a maximum of ₹10,000 per day. The surgeon’s fee, doctor’s fee, anaesthesia, blood, oxygen, operation theatre charges incurred during your hospitalisation for more than 24 hours are also covered.
  • Pre and post hospitalisation:

    Medical expenses incurred 30 days prior and 60 days post hospitalisation.
  • In-patient AYUSH treatment:

    Alternative treatments like Ayurveda, Unani, Siddha and Homeopathy (AYUSH) undergone in a government hospital or any institute recognised by the government and or accredited by Quality Council of India/National Accreditation Board.
  • Day care procedures:

    Medical bills for all the day care treatments that require hospitalisation for less than 24 hours.
  • Emergency Ambulance cover:

    On road ambulance charges up to ₹2000.
  • Cataract treatment:

    Expenses incurred during a cataract treatment up to 25% of the sum insured or ₹40,000, whichever is lower.
  • Dental treatment and Plastic surgery:

    Medical costs for treating a disease arising out of an injury.
  • Pre-existing diseases:

    Specified pre-existing diseases after 4 years waiting period (refer policy wordings for list of PEDs). The waiting period benefit applies to ported policies.
  • Floater benefit:

    Extension of the coverage of your single policy to your family (legally wedded spouse, dependent parents and parents-in-law, dependent children) by paying one premium amount on floater basis. You can get any child above 3 months of age covered under the policy provided one adult is also covered under it.
  • Tax benefits:

    Tax deductions up to ₹25,000 under section 80D on securing your health and that of your dependent parents and children. Senior citizens can avail tax benefit up to ₹50,000.
  • Lifelong renewability:

    Flexibility to renew your policy every year without a capping on the age.
  • Cumulative bonus:

    5% additional sum insured on every claim-free year up to a maximum of 50% of sum insured for the same premium amount.
  • Free look period:

    Cancellation of policy by giving written notice within 15 days of receiving the policy.

The following modern procedures are also covered either as in patient treatment or as part of day care treatment in a hospital up to 50% of Sum Insured

  • Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
  • Balloon Sinuplasty

Your policy does not cover:


    Claims arising from death, injury or disablement of insured person as a result of:

  • Any admission primarily for diagnostic and evaluation expenses
  • Diagnostic expenses that don’t relate to the treatment you are undergoing
  • Costs incurred for nursing at home
  • OPD expenses
  • Costs incurred by non-allopathic treatment, unproven treatment, treatment of pregnancy and childbirth related complications, cosmetic, aesthetic and obesity related treatment
  • Expenses arising out of professional participation in hazardous or adventure sports
  • Costs incurred for the treatment of alcoholism or drug or substance abuse
  • Expenses incurred at spas and nature cure clinics
  • Bills for dietary supplements and substances that are not prescribed
  • Expenses for eyesight correction treatment arising out of refractive error less than 7.5 dioptres
  • Expenses related to fertility and infertility
  • Expenses arising out of war, civil war, nuclear attack, chemical or biological attack or breach of law
  • Costs incurred for treatments out of India

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Product Product Code UIN no.
ICICI Lombard Arogya Sanjeevani 4171 ICIHLIP20178V011920