ICICI Lombard Complete Health Plan

ICICI Lombard Complete Health Insurance plan is not only an effective investment tool but also provides a wide variety of benefits during medical emergencies.

Entry Age The minimum entry age starts from 6 years under individual policy and 3 months under a floater policy.
Policy Period 1 year to 2 years
Renewability Lifelong renewability
Medical Screening No health check-up up to the age of 45 years (age as on last birthday)
Sum Assured Sum Insured ranging from Rs.2 Lakh to Rs.10 Lakh
Basis Individual and floater
Premium Option to choose sub-limit and modify premium
Payments covered Medical expenses incurred in inpatient hospitalization that includes ICU charges, doctor, surgeon's fee, room charges, medicines bills. Expenses incurred on Day Care procedures that requires less than 24 hours of hospitalisation. Medical expenses incurred in pre and post-hospitalization - 30 days prior and 60 days post hospitalization
Exclusions Exclusions that remain valid for the first 30 days include any illness incurred within 30 days of the beginning of the Policy. However, on subsequent renewals, the exclusions cease to apply. The following exclusions are valid for the first 2 years:
  • Benign Prostatic Hypertrophy
  • Cataract
  • Fissures & / or Fistula in Anus, hemorrhoids/Piles
  • Hysterectomy unless because of malignancy
  • Rheumatism, spinal disorders, Arthritis and Gout.
  • Hydrocele, Hernia.
  • Joint replacement.
  • Stone in biliary and urinary systems
  • Sinusitis
  • Dilation & Curettage, Endometriosis
  • Skin and all internal tumors of any kind, cysts, polyps nodules, breast lumps.
  • Surgery on tonsils,adenoids, and sinuses
  • Dialysis for chronic renal failure
  • Varicose Ulcers/Varicose Veins
  • Gastric and duodenal erosions & ulcers
  • Deviated Nasal Septum
Permanent Exclusions
  • Any illness, injury or pre-existing disease before the commencement the policy. In case of renewal for 2 consecutive years, the exclusions do not apply under certain terms.
  • Pregnancy, childbirth related complications and non-allopathic treatment, aesthetic, cosmetic, and obesity related treatment
  • Civil war or breach of law
  • Expenses incurred in HIV related diseases, use/ misuse of liquor,intoxicating substances and self injury
  • Naturopathy treatment, magnetic acupuncture and other such therapies.
  • Treatment taken outside India.
  • Expenses incurred in Domiciliary Treatment
Tax benefits Income Tax benefits under section 80D can only be bought for spouse, parents, self, and dependent children.

Other Health Insurance Plans from ICICI Lombard Health Insurance:

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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