• ICICI Lombard Complete Health Insurance Plan

    Car Insurance
    • Premiums as low as Rs12/day for coverage of Rs.4 Lakhs*
    • 10,000+ hospitals for cashless treatment
    • Claim up to Rs. 55,000 deduction under section 80D**

    ICICI Lombard is a general insurance company with a range of insurance products in its lineup. The company has many health insurance products to provide complete coverage at an affordable price. Complete Health Insurance by ICICI Lombard is a health insurance cover that provides comprehensive coverage to an insured person. In addition to the regular medical benefits, this cover also comes with a reset benefit to ensure that policyholders are adequately covered in case of multiple claims within the same policy period.

    Eligibility for ICICI Lombard Complete Health Insurance

    Customers must meet the following eligibility criteria in order to avail cover under ICICI Lombard Complete Health Insurance:

    • The proposer of the policy must be at least 18 years of age.
    • Individual policies can be bought for children who are older than 6 years of age.
    • Children between the age of 3 months and 5 years can be covered in this policy provided at least one adult is also enrolled in this cover.
    • Lifelong renewal benefit is available with this policy cover.
    • This policy can be bought for self, spouse, dependent children, dependent siblings, and dependent parents.

    Features of ICICI Lombard Complete Health Insurance

    Some of the notable features of ICICI Lombard Complete Health Insurance can be listed as follows:

    • This policy is available in five different sum insured options - Rs.3 lakh, Rs.4 lakh, Rs.5 lakh, Rs.7 lakh, and Rs.10 lakh.
    • This policy is available in both individual and family floater variants.
    • Any illnesses contracted within the first 30 days of the commencement of policy will not be covered. However, this does not apply for accidents.
    • All pre-existing diseases can be covered after 2 years of waiting period.
    • Pre-hospitalisation medical expenses are covered for a period of 30 days before admission in a hospital.
    • Post hospitalisation medical expenses are covered for a period of 60 days after discharge from a hospital.
    • There is 2-year waiting period for certain illnesses like cataract, benign prostatic hypertrophy, hernia, stone in the urinary system, etc.
    • There is a 3-year waiting period for policyholders to avail benefits under the maternity cover.
    • Pre-policy medical examination is required for people entering this cover after 46 years of age.
    • This policy is available in 1 or 2 year policy terms.
    • Free health checkup is available under this policy annually for up to 2 members in a floater cover.
    • Voluntary deductible option is available under this policy to receive premium discounts.
    • There is a free look period of 15 days during which policyholders can review the terms and cancel the policy if not satisfied.
    • The premium amount paid for this policy is eligible for income tax benefit as per Section 80D of the Income Tax Act.

    Benefits of ICICI Lombard Complete Health Insurance

    Hospitalisation cover All expenses up to the maximum sum insured limit
    Day care treatment All day care procedures incurred for treatment period less than 24 hours are covered
    OPD expenses Reimbursement for outpatient treatment expenses
    Domestic road ambulance cover Up to Rs.1,500 per hospitalisation
    Maternity benefit Covered for up to 2 deliveries (after a 3-year waiting period)
    Newborn baby cover Available for up to 91 days from the day of birth
    Organ donor expenses Reimbursement up to Rs.50,000
    Convalescence benefit Rs.10,000 per insured for hospitalisation more than 10 consecutive days
    Reset benefit 100% reset of sum insured following exhaustion after a claim (once in a policy year)
    Nursing at home Up to Rs.3,000 per day for a maximum of 15 days post hospitalisation
    Hospital daily cash Rs.1,000 per day or Rs.2,000 per day based on the sum insured chosen by the insured
    Compassionate visit by immediate family member Reimbursement up to Rs.20,000

    Exclusions of ICICI Lombard Complete Health Insurance

    For the following exclusions, ICICI Lombard is not liable to compensate the insured.

    • Any kinds of self-inflicted injuries or attempted suicide
    • Expenses incurred for non-allopathic treatment
    • Any expenses related to pregnancy, childbirth, or related complications
    • Medical expenses incurred due to misuse of drugs or alcohol
    • Injuries sustained while under the influence of alcohol or drugs
    • Treatment related to HIV, AIDS, and sexually transmitted diseases
    • Injuries or illnesses arising out of war, invasion, or civil war
    • Medical treatment taken outside India
    • Expenses related to domiciliary treatment

    Claim Procedure

    ICICI Lombard offers a hassle-free claim settlement process for its customers. Cashless treatment is available in the company’s network hospitals in various places across the country. Pre-authorisation forms can be obtained from these hospitals. Once the pre-authorisation form and other relevant documents are sent to the company, the request will be processed and approval will be sent. ICICI Lombard promises cashless treatment approval within 4 hours of submission of relevant documents.

    Reimbursement claims can be filed after discharge from the hospital. The company might require various documents including medical bills, cash memos, diagnostic reports, discharge summary, physician certificate, etc. Once these documents are submitted to the insurer, the company will process the claim and provide the settlement amount. Any doubts regarding the claim process can be cleared by contacting the customer care of ICICI Lombard.

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