A Trusted Health Insurance Plan Mediclaim Policy for Family & Senior Citizens ICICI Lombard
×
Get health insurance on the go
Install
 
 
 
(Please enter words below)
x
x

Please enter your details

Please enter the name
+91 Please enter the mobile number
Please select the product
(Please enter words below)

Live Chat

May I help you?

Begin Chat
Please select atleast one member
21 years and above
- +
Adult 1 DOB
DOB is required
Adult 2 DOB
DOB is required
Please select no. of childrens
Kid(s) (3 months - 20 years)
- +
Please enter valid mobile number
Please enter valid email id
  • I agree to the Terms and Conditions
  • To manage your WhatsApp preferences click here
Please select atleast one member
Adult(s) - 21 years & above
- +
Please select no. of childrens
Kid(s) (3 months - 20 years)
- +
Please select DOB
Please select DOB
Please enter valid mobile number
Please enter valid email id
  • I agree to the Terms and Conditions
    Please accept terms & conditions
  • To manage your WhatsApp preferences click here
Please enter valid mobile number
Please enter valid email id
  • I agree to the Terms and Conditions
  • To manage your WhatsApp preferences click here
Imp: All hospitalisation expenses related to COVID-19 covered. Please refer to the FAQ section below.

7 reasons to buy ICICI Lombard Complete Health Insurance

  • Enjoy tax benefits

    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

  • Get free value-added services

    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

  • Now reset your sum insured up to 100%

    Once in a policy year, your sum insured amount will be reset up to 100%

  • Get cover for alternative therapies with AYUSH

    Get covered for Ayurveda, Unani, Siddha and Homeopathy (AYUSH) treatment while you are hospitalised

  • We guarantee on time claim service

    Get a quick response: for cashless claims in 4 hours and reimbursement claims in 14 days

FAQs in relation to COVID-19 cover under retail Health Insurance policies

Will my existing health insurance policy cover hospitalization expenses on account of COVID-19?

Yes, hospitalization expenses on account of COVID-19 will be covered under the policy in accordance with the policy terms and conditions.

How can I intimate my claim after hospitalization?

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

Are any waiting periods applicable to claims under COVID-19?

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 30 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 30 day condition will not be applicable.

Will I be allowed to enhance my sum insured?

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.

Will the expenses towards COVID-19 vaccination be covered in case such vaccine is manufactured?

The expenses towards vaccination will be covered in case the policy has Outpatient Treatment Cover.

Are the expenses on medicines and diagnostic tests incurred during medically advised home isolation due to COVID-19 covered?

In case your policy has an Outpatient Treatment Cover, then these expenses will be covered in accordance with the policy terms and conditions.

Will the policy cover expenses due to quarantine?

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.

Will the policy cover hospitalization in a country other than India?

No. The geographical scope of the policy is limited to India.

Will my travel history abroad affect the admissibility of claim under the policy?

So long as the hospitalization is in India, the travel history will not affect the admissibility of claim under the policy.

What are the expenses incurred for COVID-19 that will not be covered under my policy?

The non-payable expenses as listed by IRDAI will not be covered under your policy.

Will my family members be covered for expenses on account of COVID-19?

Yes, provided that they are covered under ICICI Lombard Health Insurance policy.

Are the consultations with a Medical Practitioner and diagnostic tests in relation to COVID-19 covered under my 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.

UNDERSTAND YOUR COMPLETE HEALTH INSURANCE POLICY COVERAGE

Your policy covers:

  • Medical expenses incurred during hospitalisation for more than 24 hours, including room charges, doctor/surgeon’s fee, medicine bills, etc.
  • Medical expenses incurred 30 days prior and 60 days post hospitalisation
  • Day-care expenses for advanced, technological medical surgeries and procedures requiring less than 24 hours of hospitalisation (including dialysis, radiotherapy and chemotherapy)
  • Pre-existing diseases, but after 2 years / 4 years of continuous coverage with the Company*
  • Life Long Renewability: Medical expenses incurred by you, immediately up to 60 days before and up to 90 days after your hospitalisation covered up to sum insured
  • Floater Benefit: Floater cover to get family (self, spouse, dependent parents, dependent children, brothers and sisters) covered for the same sum insured under a single policy by paying one premium amount. Any individual above 3 months of age can be covered under the policy provided 1 adult is also covered under the same policy
  • Additional Sum Insured: An Additional Sum Insured of 10% of Annual sum insured provided on each renewal for every claim free year up to a maximum of 50%. In case of a claim under the policy, the accumulated Additional Sum Insured will be reduced by 10% of the Annual Sum Insured in the following year
  • Policy period: Option of choosing 1 or 2 year policy period under various plans offered
  • Cashless Hospitalisation: Avail cashless hospitalisation at any of our network providers / hospitals. A list of these hospitals / providers is available on our website www.icicilombard.com
  • Free Health Check - up: The customer is entitled for a Free Health Check - up at designated centers. The coupons would be provided to each Insured for every policy year, subject to a maximum of 2 coupons per year for floater policies
  • Tax Benefit: Avail tax deduction on premium paid under health insurance policy as per applicable provisions of Section 80D of Income Tax Act, 1961 and amendments made there to
  • Pre - Policy Medical Check - up: No medical tests will be required for insurance cover below the age of 46 years and Sum Insured up to `10 Lakhs
  • Free Look Period: Policy can be cancelled by giving written notice within 15 days of receiving the policy
  • Reset benefit: We will reset up to 100% of the Sum Insured once in a policy year in case the sum insured including accrued additional Sum Insured (if any) is insufficient as a result of previous claims in that policy year
  • In Patient AYUSH Treatment: Expenses for Ayurveda, Unani, Siddha and Homeopathy (AYUSH) treatment only when it has been undergone in a government hospital or in any institute recognised by the government and / or accredited by Quality Council of India / National Accreditation Board on Health
  • Emergency Ambulance Cover: Reimbursement up to `1,500 per hospitalisation for reasonable expenses incurred on availing an ambulance service offered by a hospital / ambulance service provider in an emergency condition
  • Wellness Program: Wellness program intends to promote, incentivize and reward you for your healthy behavior through various wellness services.

Optional add-on covers:


OPTIONAL COVER 1

Sum Insured(`)
3 Lacs/ 4 Lacs/5 Lacs
7 Lacs/ 10 Lacs
Hospital Daily Cash ₹ 1,000 per day ₹ 2,000 per day

*Conditions apply


Voluntary Deductible

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.

Your policy does not cover:

  • An illness that you contract within 30 days of the starting date of your policy, except those that are incurred as a result of an accident. This clause is not applicable on the subsequent renewals.
Read More

ICICI Lombard Complete Health Insurance
ICIHLIP10001V020910
Misc 128

Get a Quick Quote