You need health cover regardless of what you take two at a time - pills or stairs.
  • ICICI Lombard Health Advantage Plus Plan

    ICICI Lombard Health Advantage Plus Plan

    The objective of this policy is to cover the expenses of inpatient and outpatient treatment in a single policy. It is more suitable for individuals since the maximum coverage allowed is Rs 3 lakh.

    ICICI Lombard Health Advantage Plus

    The salient features of the policy are listed in the table below:

    Entry Age5 to 65 years. Proposer has to be above 18 years
    Renewability Maximum policy renewal age is 70
    Coverage Type Individual, floater (2 adults)
    Policy Term 1 year
    Medical Screening Individuals aged 56 and above have to undergo medical tests at designated ICICI Lombard diagnostic centers
    Co-paymentsNo co-payments
    Sub-limits Sub-limits on room rent, doctor fees, and hospital charges and any disease except cataract
    • Hospitalisation expenses for over 24 hours including room rent, doctor fees, medicines bills and so forth
    • Pre-hospitalisation expenses up to 30 days
    • Post- hospitalisation expenses up to 60 days
    • Advanced surgeries that require less than 24-hour hospitalisation such as chemotherapy, tonsillectomy, radiotherapy, eye surgery, dialysis, kidney stones, coronary angiography and cardiac catheterization among others
    • Pre-existing diseases after 2 years of policy renewal
    • Dental treatment costs
    • Cost of anesthesia, blood, oxygen, operation theatre, medicines and drugs, x-ray, surgical consumables and specialist fees
    • Ambulance charges
    • Cost of pacemaker and artificial limbs
    • Cost of treatment of Swine Flu / H1N1 influenza
    • Maternity expenses are covered under OPD expenses
    • Policy provides covers against terror acts
    Main advantages
    • Covers Outpatient Department (OPD) expenses, such as diagnostics tests, dental treatment, medical bills, ambulance charges etc
    • Cashless claim facility at 3,500 network hospitals across India
    • Additional Sum Insured for every claim free year
    • Avail tax benefit under section 80D of the Indian Income Tax Act, 1961
    • Pre-existing ailment covered after two years, subject to renewal of the policy
    • Maternity expenses covered under OPD expenses
    • Can be bought online in EMIs through ICICI Bank, HDFC Bank and Citibank Credit card
    Tax Benefits Premium paid can be availed as deduction under section 80D of IT Act
    • Pre-existing diseases for the first 2 yrs
    • 2 year exclusion for specific conditions such as cataract, hysterectomy, arthritis, stones, skin and internal tumors, spinal disorders, deviated nasal septum, joint replacement surgery (except due to accident), deviated nasal septum etc
    • Diseases existing at birth (congenital)

    Other Health Insurance Plans from ICICI Lombard Health Insurance

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