| Coverage | Up to Rs. 10 Lakh. Multiple sum insured options |
| Entry Age | - Minimum entry age is 6 years (individual policy) and 3 months (floater policy)
- No maximum age entry to avail this policy
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| Eligibility | - You can buy the policy for any of your family member(s) children and parents
- The proposer needs to be aged above 18 years
- To provide cover to children between 3 months to 5 years, the policy should cover at least 1 adult
- Children under 91 days old cannot be covered
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| Medical check-ups | - No medical test required for policyholders below 46 years. However, those above 46 have to undergo medical tests at ICICI Lombard designated diagnostic centers
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| Renewability | Lifetime |
| Treatment offered | Cashless treatment around 4000 hospitals |
| Coverage | - Inpatient costs for more than 24 hours, including room charges, surgeon's fee, medicines bills and so forth
- Medical expenses 30 days before and 60 days post hospitalisation
- Advanced technological surgeries and procedures which require less than 24 hours of hospitalisation.
- Pre-existing diseases are covered only after four years of continuous coverage
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| Payments Covered | - Accommodation Charges (Room Rent)
- ICU Charges
- Surgeon charges
- Consultation fees
- Nursing Charges
- Anesthetist charges
- Operation Theatre charges
- Investigation charges
- Pharmacy bills
- Consumables
- Implants charges
Exclusions:
- Ambulance charges
- Administration charges
- Registration fees
- Records Management charges
- Service / Surcharges
- Reserving charges
- Food and Beverages
- Soaps, toiletries and laundry
- Patients’ attendant charges
- Attendant charges
- Insurance Processing Fees
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| Tax Benefits | - Save tax under section 80C, 80D, 80E of the Income Tax Act. As per Section 80D, the premium paid is deductible up to Rs. 25,000 per year. For those aged 60 and above, the deductible limit is Rs. 30,000 per year. Senior citizens can avail tax benefits of Rs. 30,000.
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| Value added services | - Free Health check-up (T2)
- Online chat with doctor
- Specialist consultation
- Dietician and nutritionist consultation
- Discount coupon book
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| Exclusions |
- Any ailment contracted within 30 days of the commencement of the policy.
Exclusions valid for the first 2 Years
- Cataract
- Benign Prostatic Hypertrophy
- Myomectomy, Hysterectomy
- Hernia, Hydrocele
- Fistula in Anus, hemorrhoids/Piles
- Arthritis, Gout, Rheumatism and spinal disorders
- Joint replacement
- Sinusitis and related disorders
- Stone in the urinary and biliary systems
- Dilatation and Curettage, Endometriosis
- All types of Skin and all tumors including breast lumps
- Dialysis for chronic renal failure
- Surgery on tonsils, adenoids and sinuses
- Deviated nasal septum
- Varicose veins
If the policy is renewed for two consecutive years, the aforementioned diseases will be covered from the third year onwards. |
| Permanent exclusions
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- Pre-existing disease before the inception of the policy. However, this ceases to apply if the policy is renewed for 2 consecutive years for sum insured of Rs. 3 Lac, 4 Lac, 5 Lac, 7 Lac,10 Lac
- Non-allopathic treatment, pregnancy and childbirth related complications, cosmetic, aesthetic and obesity related treatment
- HIV or AIDS and related diseases, use or misuse of liquor, drugs
- Intentional self injury
- War, civil war or breach of law
- Naturopathy treatment, acupressure, acupuncture, magnetic
- Domiciliary treatment
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