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  • Complete Health Insurance

    Comprehensive health policy

  • Arogya Sanjeevani Policy

    Standard health policy

  • Health Booster

    Increase your existing cover value

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    Accident protection

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#No medical tests will be required for insurance cover below the age of 46 years and sum insured up to ₹10 lakh. *As on 31st July 2020.

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What is ICICI Lombard Complete Health Insurance policy?

ICICI Lombard Complete Health Insurance policy secures your finances against sudden medical expenses. It is a comprehensive policy for you and your family, designed to cater to most of your common healthcare needs. It comes with an option to include your family under one policy called the family floater option. You can choose coverage for your family health insurance as per your medical needs such as maternity cover, OPD cover, critical illness cover, donor expenses cover, etc. Some of its noteworthy features include no limit on hospital room rent, no co-pay, no pre-medical check-up up to 45 years of age and 2 complimentary health check-up coupons every year for a family floater health insurance policy. As a result, it is one of the preferred health insurance policies in India.

Why should you buy a health insurance policy for yourself and your family?

Family health insurance is the need of the hour.


Medical costs are skyrocketing

They are high today and will be higher in the near future. A family floater health insurance is a smart way to safeguard your savings during a medical emergency.


Employer provided health policy is not enough

A health cover provided by your corporate firm or employer ceases to cover you once you switch the job. Furthermore, you cannot choose coverage or benefits as per your needs. Besides, the sum insured of corporate health plan may not be adequate to cover you and your dependents in case of a medical emergency. Hence, it is recommended to invest in one of the leading family health insurance plans in India that covers up to 2 adults adequately.


Lifestyle diseases are on the rise

An unhealthy way of life and work stress have made even the younger generation prone to lifestyle diseases. Thus, the need to have a family health insurance is undisputable even if you are young. The onset of a chronic condition like diabetes may make it difficult for you to buy a comprehensive medical insurance when you need it most. You may be required to undergo screening and medical check-up. Hence, it is recommended to invest in a family health insurance policy as early as possible. Not only is it affordable but also ensures optimum coverage when you need it most.


You can save some on family health insurance premium

By sharing your sum insured, you can smartly insure your entire family under one health plan. This will help in bringing down your health insurance premium significantly. You also do away with the hassle of managing multiple policies and their renewals.


Family’s healthcare needs get covered in one go

Occasionally you end up bearing out of pocket expenses for your family’s health check-up, viral flu, seasonal sickness and illnesses. These costs put together can weigh heavy on your pocket, and a family floater health insurance with OPD cover will help you avoid just that. You can choose the OPD cover by paying additional premium and reduce your out of pocket expenses.


You get tax benefit on health insurance premium

As per Section 80D of the Income Tax Act, you can avail tax benefit on the health insurance premium. Thus, a health policy not only saves you from breaking the bank during a medical emergency but also helps you to save in taxes.

What are the top reasons to buy ICICI Lombard Complete Health Insurance plan?

Here are the top 6 health insurance benefits that you reap with us.


COVID-19 hospitalisation is covered

Our health plan covers hospitalisation expenses on account of COVID-19. We understand that currently the preferred health plan is the one that secures your family against the pandemic. So, if you get our health insurance for parents or family, you and your loved ones will be covered against the pandemic just 15 days after your policy start date*. If you have renewed the policy with us without any break or if the policy has been ported to ICICI Lombard, then the waiting period for COVID-19 won’t apply.

*Valid only till 31st March 2021

No co-payment required

A health plan with a co-pay clause needs you to bear some part of the covered hospitalisation expenses as well at the time of claim. However, with our individual and family health insurance, there is no co-pay applicable. We will cover the entire amount that is payable as per your policy terms and conditions up to your sum insured.


Pre-existing diseases are covered

One reason why our policy is one of the preferred health policies, is that it covers pre-existing diseases immediately after 2 years from the policy start date if you choose a plan with sum insured ₹3 lakh and above.


You can avail reset benefit

If the balance sum insured under your family health plan is inadequate for subsequent claims by you and your family member we will reset it up to 100% of your base sum insured. This way you’ll have us by your side protecting your savings through the rest of the policy year. This benefit can be availed once in a policy year for a different illness or same illness but different insured.


No capping on room rent

We know you wouldn’t want to compromise when it comes to your recovery. Hence, our family insurance covers the charges even for a private ward. So if you need your privacy for a speedy recovery, our family floater health policy will have you covered.


You can enjoy additional sum insured

We reward you if you have made no claims in the previous policy year with us. The sum insured of your medical insurance policy for family is increased by 10% for every claim-free year up to a maximum of 50%. In case of claim the same will be reduced by 10%. Your benefits under the base plan remain unchanged.

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Why should you buy health policy online from ICICI Lombard?

It is a fuss-free way to secure yourself with one of the leading health insurance policies.

We know that your busy schedule may leave you with very little time to find a reliable health policy for family. So in order to choose one of the preferred health policies in India, digital can become your go-to solution.

We have hence, put together a super easy and customisable online experience. It can help you zero down on a health insurance policy for family from the comfort of your home. You can select, edit the number of family members you wish to cover under the family health plan. You can also have your pick from our smart set of add-on covers basis your healthcare needs. Additionally, our health assistance team is available to answer your COVID-19 queries on our dedicated helpline – 04066274205 between 9 AM to 6 PM from Monday to Saturday.

That’s not all. We let you claim digitally under your family medical insurance with us on our IL TakeCare mobile app. Besides, you also get to save 10% on your health insurance premium when you buy ICICI Lombard Complete Health Insurance policy for 2 years’ tenure.

What is covered by ICICI Lombard Complete Health Insurance policy?

Here’s what the ICICI Lombard Complete Health Insurance policy includes and excludes:

  • Inclusions
  • Exclusions

  • Hospitalisation

    Medical expenses incurred during hospitalisation for more than 24 hours, including room charges, doctor/surgeon’s fee, medicine bills, etc.
  • Pre and post hospitalisation

    Medical expenses incurred 30 days prior and 60 days post hospitalisation, provided we have accepted the in-patient claim.
  • Day care treatments

    The expenses for advanced, technological medical surgeries and procedures requiring less than 24 hours of hospitalisation (including dialysis, radiotherapy and chemotherapy).
  • Pre-existing diseases

    Pre-existing diseases that are declared at the time of proposal and accepted by us will be covered immediately after 2 years waiting period for sum insured of ₹3 lakh and above.
  • AYUSH treatment

    Expenses for in-patient treatment under Ayurveda, Unani, Siddha and Homeopathy (AYUSH) treatment only when it has been undergone in a government hospital or any institute recognised by the government and/or accredited by Quality Council of India/National Accreditation Board on Health.
  • Wellness program

    Redemption of wellness points earned due to healthy behaviour through various wellness and fitness activities. You can redeem the wellness points on OPD bills for doctor’s consultation, medicine and drugs, diagnostic expenses, dental expenses, etc.
  • Reset benefit

    Facility to restore your balance sum insured up to 100% of the base 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. This benefit can be availed for a different illness or same illness but by different insured.
  • Emergency ambulance

    Reimbursement of up to ₹1500 per hospitalisation for reasonable expenses incurred on availing an ambulance service offered by a hospital or ambulance service provider in an emergency condition.
  • Free health check-up

    A complimentary health check-up coupon to each insured for every policy year, and 2 coupons per year for floater policies.
  • Lifelong renewability

    Provision to renew the health policy every year without any restriction on age.
  • 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 and up to 6 years can be covered under the family insurance plan provided 1 adult is also covered under the same policy.
  • Additional sum insured

    Up to 10% sum insured rewarded to you over and above your existing sum insured for every claim-free year. The maximum additional sum insured that you can earn in total is 50%. In case of a claim under the policy, the accumulated additional sum insured will be reduced by 10% in the following year.
  • Cashless hospitalisation

    Cashless hospitalisation facility at any of our network providers or hospitals. You can view the updated list of these hospitals and providers here.
  • Pre-policy medical check-up

    No medical tests will be required for health cover below the age of 46 years and sum insured up to ₹10 lakh.
  • Free look period

    You can cancel the policy by giving written notice within 15 days of receiving the policy.
  • Any illness contracted within 30 days from the start date of your policy, except those incurred due to an accident. This clause does not apply to the subsequent renewals.
  • For the first 2 years, some diseases like cataract, hernia, stone in the urinary system and others will not be covered.
  • Any illness or disease or injury or a pre-existing disease before the start of the policy. However, these pre-existing diseases start to get covered if the policy is renewed with us for two consecutive years for sum insured of ₹3 lakh and above. For ₹2 lakh sum insured the same gets covered if the policy is renewed for 4 consecutive years.
  • Permanent exclusions:

  • Pregnancy and childbirth related complications, cosmetic, aesthetic and obesity related treatment.
  • War, civil war or breach of law.
  • Naturopathy treatment, acupressure, acupuncture, magnetic and other such therapies.
  • Treatment taken outside the country.
  • Any expenses arising out of domiciliary treatment.
  • *Please refer policy wordings for detailed list of exclusions.

Exclusions valid for the first 2 years:

    Treatment of the following diseases/illness/ailments
  • Cataract #
  • Benign prostatic hypertrophy
  • Myomectomy, hysterectomy unless because of malignancy
  • All types of hernia and hydrocele
  • Joint replacement, unless due to accident
  • Sinusitis and related disorders
  • Stone in the urinary and biliary systems
  • Dilatation and curettage, endometriosis
  • All types of skin and all internal tumours/cysts/nodules/polyps of any kind, including breast lumps, unless malignant
  • Dialysis required for chronic renal failure
  • Surgery on tonsils, adenoids and sinuses
  • Gastric and duodenal erosions and ulcers
  • Deviated nasal septum
  • Varicose veins/varicose ulcers
  • All types of internal congenital anomalies/ illness/ defects
  • If you renew the policy with us for 2 consecutive years, the above diseases or illness or ailments will be covered from the third year.
    #After 2 years from policy start date any claim for cataract treatment shall not exceed ₹20,000 per eye, during each policy year for sum insured up to ₹5 lakh and shall not exceed ₹1 lakh per eye for sum insured ₹7 lakh and above.

ICICI Lombard Complete Health Insurance plan add-on benefits

Customise your health insurance policy for family with our ready-made set of add-ons.


Hospital daily cash allowance & convalescence benefit

While our family floater health insurance policy has your back for the larger expenses incurred during hospitalisation, our hospital daily cash allowance and convalescence benefit add-ons take care of your smaller yet significant out of pocket expenses.
With hospital daily cash allowance, you get ₹1,000 or ₹2,000 or ₹3,000 per day as per your sum insured, for maximum 10 days and minimum 3 days of hospitalisation per member. Under convalescence benefit, you get ₹10,000 per member for 10 or more consecutive days of hospitalisation once a year.


Donor expenses & critical illness cover

In your attempt to put together a reliable family health insurance plan, you should not leave out essential add-ons like donor expenses and critical illness cover. The donor expenses add-on reimburses medical expenses for organ donor up to ₹50,000, incurred during organ transplantation screening, treatment, and surgery of the donor.
The critical illness cover, on the other hand, provides a lump sum benefit of up to 100% of the sum insured for plan with SI up to ₹10 lakh and 50% of SI for plans with SI greater than ₹10 lakh if you're diagnosed with any of the 9 critical illnesses for the first time during policy period. This cover can be purchased for adults only under family floater health policy. You cannot cover children under this cover.


Outpatient treatment, wellness cover, maternity benefit & new born baby cover

Our cashless health policy for family has your back for medical costs incurred before, after and during hospitalisation. Moreover, our outpatient treatment cover will help you avoid any out-of-pocket expenses like doctor consultation fees, prescribed medication and diagnostics for occasional sickness.
The benefits under wellness cover make ICICI Lombard Complete Health Insurance one of the preferred health insurance policies. It rewards your initiatives to maintain good health and reimburses your expenses on wellness activities through the points you earn for them.
If you think you may not need a maternity insurance policy now but will need one in 2 or 3 years from now, then our maternity benefit add-on is worth adding to the cart. It covers you and your spouse after 3 years waiting period and bears the medical expenses for the normal delivery of a child, caesarian delivery and pre and post natal care.
Besides, under the new born cover, your baby is covered for a maximum period of up to 91 days from birth.


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How can I check my eligibility for ICICI Lombard Complete Health Insurance policy?

  • If you are above 18 years of age, you can buy the Complete Health Insurance policy for yourself and your family members, children and parents.
  • If you want your child to be covered under the family insurance plans, your child should be more than 3 months of age, and in case you are buying an individual health plan for your child, he or she should be more than 6 years of age.
  • A health policy purchased to cover children aged between 3 months to 5 years, should necessarily cover at least one adult too.
  • Children have to be more than 91 days old to be eligible for the health cover.
  • If you are buying the health plan for an individual who is more than 46 years of age, he or she will need to undergo a medical test at our designated diagnostic centres.
  • You can avail income tax benefits under Section 80D, only on health policies bought for self, spouse, parents and dependent children.
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