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 health insurance cover.
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:
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| Documents Required for Claim |
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| Main Exclusions |
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| 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. |
Also Read: How to File a Claim with ICICI Lombard?
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.
