Healthcare Plus Policy is an effective supplement to your existing medical cover in that if your medical treatment costs are higher than your current level of cover, this policy will come in handy. This policy offers single premium across different age groups in addition to flexible sum insured and deductibles.
ICICI Lombard Health Care Plus
The salient features of the ICICI Lombard Health Care Plus are listed in the table below:
| Entry Age | 5 years to 65 years. Proposer needs to be 18 years or above
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| Policy cover | 1 to 2 years
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| Renewability | Lifetime
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| Medical Process | Individuals in the age bracket of 56 and above have to undergo medical tests at designated ICICI Lombard diagnostic centres
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| Claims | Policy gets triggered when a single claim amount is more than the deductible (the amount after which any claim becomes admissible)
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| Premium Rates
| Premium rates are based on the sum insured, the coverage option and the tenure of the policy
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| Sub-Limits | No sub-limits on room rent, hospitalisation expenses, diagnostic tests and doctors’ fees among others
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| Co-payment | No co-payments
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| Coverage | - Hospitalization expenses (sans sub limits) such as bed charges, room rent, surgeon fees, medicines, surgical supplies and diagnostic tests (blood and radiological) among others
- Free health check - up for any one insured member in the plan upon policy renewal
- Other value added services
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| Exclusions valid for the first 30 days of inception of policy |
- Medical expenses incurred during the first 30 days of inception of the policy
- Any expense incurred prior or post Hospitalization
- Pre-existing diseases covered only after four consecutive renewals
- Treatment of diseases listed below (first 2 years from the commencement of the policy)
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Cataract
- Benign Prostatic Hyperplasia
- Benign tumors
- Arthritis and related disorders
- Kidney stones and Gall bladder
- Ulcer-Gastric, Peptic, Duodenal
- D&C and hysterectomy unless for malignancy
- Tonsillitis, sinusitis and related surgeries
- Hernia and Hydrocele
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| Permanent Exclusions |
- Physical, medical or mental condition which is specifically excluded in the policy in part I of the schedule (special conditions)
- Routine eye and ear examinations, cost of spectacles, laser surgery, contact lenses or hearing aids, vaccinations
- Internal congenital ailments
- Suicide or self-inflicted injury
- Alcohol or drug abuse
- Injury whilst performing duties as part of a military or police force
- Birth defects
- Dental treatment
- Treatment related to pregnancy and childbirth, abortion, infertility and in vitro fertilization. Exception: Ectopic pregnancy, certified as a life threatening ailment
- Birth control procedures and hormone replacement therapy
- Prosthesis, corrective devices and medical appliances
- Mental illness, stress, psychiatric disorders and cosmetic surgery
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| Documentation Required | Completed form, signed by both the insured and the doctor
- Original discharge card
- Summary and consolidated bills
- Investigation reports
- Drug bills
- Stamped payment receipts
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| Tax Benefits | Can claim tax benefits under section 80D
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Other Health Insurance Plans from ICICI Lombard Health Insurance
