ICICI Lombard Healthcare Plus

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ICICI Lombard Healthcare Plus

	Objective			This policy aims at providing an incremental protection to policyholders. It is useful to increase the existing health insurance cover.
What does it do?			In case of a claim, initial expenses upto deductible limit have to be borne by existing policy (if any) or by the policyholder. Insurance company pays the amount exceeding deductible limit upto the sum insured. It is important to understand that this policy gets triggered only if claim amount exceeds the deductible during a single claim.
Pros			This policy can be bought online. This policy pays for health check-up of any one insured person at time of policy renewal. There are no sub-limits. Premiums paid under this plan qualifies for deduction under Section 80D of Income Tax Act.
Cons			Deductible limit applies afresh to each hospitalisation.
Our View			This policy is beneficial as it is designed to cover higher claims, that are beyond the reach of your existing policy, at reasonable premium rates. The premiums reduce further as you move to higher deductible and a higher sum insured. The only constraint is that deductible applies to every single treatment undertaken as an inpatient in a hospital. People with adverse family history may consider this policy in addition to their basic health cover.
Suited for			Anyone who wishes to increase the existing insurance cover may buy this policy. It is also suitable for employees who feel the health cover from employer is inadequate.
Eligibility
Entry Age (years)
Minimum		5
Maximum		56
Maximum Policy Renewal Age (years)		70
Coverage Type		Individual
Policy Term (years)		1 or 2
Sum Insured (Rs)
Maximum		10 lakh
Minimum		5 lakh
Pre Policy Medical Check Up		Not required upto 45 years of entry age
Policy Termination		Either of the policyholder or insurer can terminate the policy by giving a notice of 15 days.
Customer Service
Address		ICICI Lombard General Insurance Co. Ltd. 401-402, Interface Bldg; No.11, Link Road, Malad (West), Mumbai - 400064.
Mail to		customersupport@icicilombard.com
Call to		1800 2666
Network Hospitals		Https://www.icicilombard.com/Content/ilom-en/Hospital_list/search.asp

 

	Scope Of Cover
Cashless facility		Available at empanelled hospitals in India
Re-imbursement facility		if treatment taken in non-empanelled hospital
In-patient Treatment		Covered
Health check-up		free ckeck up at time of renewal

 

	Exclusions and Waiting Period
Pre-existing disease		covered after 4 years of continuous coverage
No claim period		Any disease contracted during the first 30 days of commencement of the policy
Waiting Period		24 months for treatment of specific illnesses like Cataract, hernia etc.
General Exclusions		Non-allopathic treatmenttreatment of AIDS or related condition

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