ICICI Lombard Complete Health Insurance Plan

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 HypertrophyCataractFissures & / or Fistula in Anus, hemorrhoids/PilesHysterectomy unless because of malignancyRheumatism, spinal disorders, Arthritis and Gout.Hydrocele, Hernia.Joint replacement.Stone in biliary and urinary systemsSinusitisDilation & Curettage, EndometriosisSkin and all internal tumors of any kind, cysts, polyps nodules, breast lumps.Surgery on tonsils,adenoids, and sinusesDialysis for chronic renal failureVaricose Ulcers/Varicose VeinsGastric and duodenal erosions & ulcersDeviated 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 treatmentCivil war or breach of lawExpenses incurred in HIV related diseases, use/ misuse of liquor,intoxicating substances and self injuryNaturopathy 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.