Features & benefits |
ICICI Lombard Complete Health Insurance |
Health Booster Policy |
Arogya Sanjeevani Policy, ICICI Lombard |
Hospitalisation |
Up to sum insured, no sublimit. (except on Cataract) |
Up to sum insured, no sublimit. |
Sub-limits on room rent, ICU charges, cataract treatment & modern treatments. |
Pre hospitalisation expenses |
30 days before hospitalisation. |
60 days before hospitalisation. |
30 days before hospitalisation. |
Post hospitalisation expenses |
60 days after hospitalisation. |
90 days after hospitalisation. |
60 days after hospitalisation. |
Room rent |
Up to sum insured, no daily capping. |
Up to sum insured, no daily capping. |
2% of the sum insured subject to a maximum of ₹5000 per day. |
AYUSH treatment Medical expenses for Ayurveda, Unani, Siddha and Homeopathy
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Up to sum insured, no sublimit. |
Up to sum insured, no sublimit. |
Up to sum insured, no sublimit. |
Day care treatments |
Covers 150 day care procedures. |
Covers 150 day care procedures. |
Covers all day care procedures. |
Pre-existing diseases |
Coverage begins after 2 years waiting period for sum insured of ₹3 lakh and above. |
Coverage begins after 2 years waiting period. |
Coverage begins after 4 years waiting period. |
Standard time bound exclusions like cataract, stone in the urinary and biliary system, sinusitis, endometriosis, etc. |
Coverage begins after 2 years waiting period for sum insured of ₹3 lakh and above. |
Coverage begins after 2 years waiting period. |
Coverage begins after 4 years waiting period. |
Reset benefit |
100% sum insured will be restored once in a year. |
100% sum insured will be restored once in a year. |
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Health check-up |
Free once in a year for individual policy and twice a year for floater policy. |
Free once in a year for individual policy and twice a year for floater policy. |
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Additional sum insured provided on renewal for every claim-free year
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10% of your sum insured. Up to 50% cumulative bonus. |
10% of your sum insured. Up to 50% cumulative bonus. |
5% of your sum insured. Up to 50% cumulative bonus. |
Cataract treatment limit |
₹20,000 per eye for policy with up to ₹5 lakh sum insured. ₹1 lakh per eye for policies above ₹7 lakh sum insured. |
Up to sum insured, no sublimit. |
Up to 25% of the sum insured or ₹40,000, whichever is lower. |
Emergency ambulance |
Up to ₹1500 per hospitalisation. |
Up to 1% of sum insured, maximum up to ₹5000. |
Up to ₹2000 per hospitalisation. |
Domiciliary hospitalisation |
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Up to sum insured, no sub limit. |
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Donor expenses |
Available as an add-on cover. |
Up to sum insured, no sub limit. |
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Wellness program second medical opinion, dietician & nutrition counselling, medical evacuation, etc. |
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Co-pay |
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20% co-pay on claims made after 60 years of age if your age at the time of policy purchase is >45 years. |
5% on every claim. |
Add-ons |
Can be bought only on payment of additional premium. |
Can be bought only on payment of additional premium. |
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Maternity cover |
Coverage will begin after 3 years waiting period. |
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Outpatient treatment cover & wellness and preventive healthcare reimbursement |
Up to ₹20,000 per policy. |
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Critical illness cover |
Lump sum benefit -100% of sum insured for up to ₹10 lakh sum insured. 50% of sum insured for ₹15 lakh sum insured and above. |
₹5,00,000 (Silver plan) & ₹10,00,000 (Gold plan). |
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Hospital daily cash |
₹1,000 or ₹2000 or ₹3000 per day for maximum 10 days with minimum 3 days hospitalisation. |
₹1,000 per day (Silver plan) & ₹3,000 (Gold plan) for maximum 30 days with minimum 3 days hospitalisation. |
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Convalescence benefit |
₹10,000 per member for 10 or more consecutive days of hospitalisation. |
₹10,000 (Silver plan) & ₹20,000 (Gold plan) per member for 10 or more consecutive days of hospitalisation. |
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Personal accident cover Accidental death or permanent total disablement |
Lump sum benefit -100% of sum insured for up to ₹10 lakh sum insured. 50% of sum insured for up to ₹15 lakh sum insured and above. |
Up to ₹10 lakh (Silver plan) & ₹15 lakh (Gold plan). |
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Temporary total disablement |
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Up to ₹50,000 (Silver plan) & ₹1 lakh (Gold plan). |
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Repatriation of remains |
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Up to ₹50,000 (Silver plan) & ₹1 lakh (Gold plan). |
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