ICICI Lombard Health Care Plus Health Insurance Plan

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 termsFree health check-up facility for any one insured member on policy renewalIncome tax benefits under Section 80DOther value-added services

Documents Required for Claim

Duly filled Claim form, signed by the insured & treating doctorOriginal discharge summary & final hospitalization billOriginal copies of all investigation reportsOriginals of all medicine/lab test/hospital billsAll original payment receipts must be stampedOther 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 yearsNon-allopathic treatment, pregnancy and childbirth related conditionsCost of obesity, aesthetic and cosmetic related treatments.HIV, AIDS and related diseasesIllness, injury or disease caused due to consumption of liquor, drugs or intoxicating substancesSelf-inflicted injuryHospitalization occurring due to riot, war, nuclear warfare and strikeMedical 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.