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Health plan that covers it all. Designed for everyone.

The policy offers flexibility in terms of sum insured and a wide range of add-on covers to choose from. Enjoy value-added services including reward points for healthy habits, pharmacy and diagnostic services, online chat with doctors, second opinions, and more
Increase your existing
cover value

Expand your health insurance with Activate Booster, a super top-up policy that offers additional coverage in times of need. With maximum flexibility and reliable coverage, our super top-up safeguards your family and you against the rising medical costs.
Health AdvantEdge

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.
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.

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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.

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Arogya Sanjeevani Policy

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 a 20% increase of the expiring or renewed Annual Sum Insured (whichever is lower) at the end of each policy year, as long as the policy is continuously renewed.
Receive cashless medical care at your nearby hospital

Our wide network of more than 9500+ Healthcare providers^C 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.

Coverage against Accidental Death or Permanent Total Disablement (PTD) due to an accident
Optional coverage against Accidental Hospitalisation Expenses and Accidental Hospital Daily Allowance
Customized coverage that allows you to choose between Rs 3 Lakhs, Rs 5 Lakhs, Rs 10 Lakhs, Rs 15 Lakhs, Rs 20 Lakhs and Rs 25 Lakhs Sum Insured
The policy covers different types of accidents like road, rail accidents, accidents due to natural calamities and arising out of terrorism/ terrorist acts.
No health check-up required for policy issuance
Worldwide coverage of the policy
Easy Claim Process with minimal documentation
Buy Online and pay in installments.
Accidental Hospitalisation Expenses Reimbursement: Medical expenses incurred in case of Hospitalisation (minimum of 24 hrs), due to injury, within 7 days from the date of accident.
Accidental Hospital Daily Allowance: Per day allowance paid to Insured person each day during Hospitalisation after the Insured event, not exceeding 30 days of Hospitalisation, deductible of 1 day.

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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 3 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.
Loyalty Bonus:
20% increase of the expiring or renewed Annual Sum Insured (whichever is lower) at the end of each policy year, as long as the policy is continuously renewed.
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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IL TakeCare app – For all your insurance & wellness needs

Got questions? Let's talk! Share your contact details and we'll give you a call.

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