ICICI Lombard Health Care Plus Plan

Health insurance coverage is not bigger and better than ever with the new ICICI Healthcare Plus Policy. This new policy is designed to take care of all additional payments which are likely to arise when over and above the amount of your existing health insurance cover. What makes this policy even better is that you can opt for it and be covered for a Sum Insured, even if you do not have

Features of ICICI Healthcare Plus Policy:

Entry Age Individuals between the age of 5 years to 65 years are eligible to take this policy; Proposer must be above 18 years of age
Policy Tenure Policy can be taken for a duration of 1 year and 2 years
Renewability Lifetime renewability
Medical check-up Applicants who are aged 56 years and above will be required to undergo a medical check-up at diagnostic centers designated by ICICI Lombard
Claims Policy comes into effect when the amount of claim following a single hospitalization / incident is greater than the amount of deductible
Premiums Premium rates are unchanged across different age groups; Premiums will depend on the tenure, sum insured and coverage provided by the policy
Sub-limits There are no sub-limits applicable on room rent, hospitalization expenses and doctor’s fee or diagnostic tests
Co-payment Co-payment not allowed under the policy
Benefits The Healthcare Plus policy offers a range of benefits such as:
  • Coverage for pre-existing diseases after 4 continuous policy terms
  • Free health check-up facility for any one insured member on policy renewal
  • Income tax benefits under Section 80D
  • Other value-added services
Documents Required for Claim
  • Duly filled Claim form, signed by the insured & treating doctor
  • Original discharge summary & final hospitalization bill
  • Original copies of all investigation reports
  • Originals of all medicine/lab test/hospital bills
  • All original payment receipts must be stamped
  • Other additional documents as requested by ICICI Lombard for the claim
Main Exclusions
  • Any injury, disease or illness existing before policy inception will not be covered for the first 4 policy years
  • Non-allopathic treatment, pregnancy and childbirth related conditions
  • Cost of obesity, aesthetic and cosmetic related treatments.
  • HIV, AIDS and related diseases
  • Illness, injury or disease caused due to consumption of liquor, drugs or intoxicating substances
  • Self-inflicted injury
  • Hospitalization occurring due to riot, war, nuclear warfare and strike
  • Medical costs arising during the first 30 days of policy inception, except for accidental injuries/illnesses. Exclusion not applicable when policy is subsequently renewed without a gap
Tax Benefit Policy provides tax benefits under section 80D of Income Tax Act
Grace period Grace period of 30 days, counting from the date policy expiry, will be provided for renewal of policy.

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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