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Comprehensive health policy
Standard heath policy
Increase your existing cover value
Accident protection
#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.
Now reset your sum insured up to 100%
Once in a policy year, your sum insured amount will be reset up to 100%
We guarantee on time claim service
Get a quick response: for cashless claims in 4 hours and reimbursement claims in 14 days
Enjoy tax benefits
Enjoy tax deduction benefits on the premium amount paid for you, spouse, dependent children
Get easy access to cashless medical care in your city
Now get help when you need it most with our wide network of 5025+ hospitals across India
Flexible sum insured and deductibles
Avail flexible deductible options and annual sum insured options ranging from ₹5 to ₹50 lakhs to suit your needs
Stay fit and get rewarded
Get rewarded for your healthy habits by earning points through various wellness activities with our wellness programme
Get coverage for treatment at home
Medical expenses incurred by you during your domiciliary hospitalisation or treatment at home shall be covered
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.
Hospital Daily Cash: We shall pay a fixed amount of 1,000 (as per Silver option) for each and every completed day of hospitalisation, if such hospitalisation is at least for a minimum of 3 consecutive days and subject to a maximum of 30 consecutive days per policy year.
We shall not be liable for the deductible amount as specified against the plan opted. We are not liable for any payment unless the hospitalisation medical expenses exceed the deductible. No deductible shall be applicable for optional covers.
Co-payment
We are not liable to pay 20% of admissible claim amount above the deductible applicable under the policy, for insured above 60 years of age. This does not apply if insured is 60 years of age or below. However, this condition will not be applicable if you were aged 45 years or below at the time of buying this policy first time and have renewed it continuously after that. No co-pay will be applicable for optional covers, if any.
First 30 days waiting period
Any diseases contracted and declared during first 30 days of period of insurance start date except those arising out of accidents. This exclusion shall cease to apply from first renewal of the policy with us. This will not be applicable if the insured person(s) is/are insured continuously and without interruption for at least 1 year under any other health insurance plan with an Indian non-life insurer as per guidelines on portability issued by the insurance regulator.
Pre-existing disease waiting period
Any pre-existing condition(s) declared by you and accepted by us, shall not be covered until 24 months of your continuous coverage, since inception of this policy.
First 2 year exclusions
For medical diseases/ conditions and treatment/procedure mentioned below, a waiting period of 2 years will be applicable unless required due to occurrence of cancer.
Permanent exclusions
Health Booster IRDAI/HLT/ICICI/P-H/V.I/31/15-16 Misc 140
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