• ICICI Lombard Health Care Plus Plan

    Health 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**

    The Janata Personal Accident Policy from National Insurance is a health insurance policy that covers the policyholder from any injuries resulting from external violent accidents. It allows the insured to claim the sum insured in case he/she suffers an injury or disability, directly or indirectly, due to an accident. The injury will be covered if the disability is suffered within 12 months of occurrence of the accident. Group discounts are available for group policies. The policy term can go up to 5 years.

    Eligibility of Janata Personal Accident Policy

    The insurer specifies certain age restrictions for purchasing the policy.

    Minimum age at entry 10 years
    Maximum age at entry 70 years

    Sum Insured and Premium

    Sum Insured

    Sum insured is the total amount the policyholder can claim from the insurer when medical attention is required.

    Minimum sum insured Rs.25,000
    Maximum sum insured Rs.1 lakh

    Premium

    Premium is the nominal payment made by the policyholder towards the sum insured.

    Premium for Rs.25,000 Rs.15

    Features of National Insurance Janata Personal Accident Policy

    • The complete sum insured will be provided to the nominees on the death of the policyholder.
    • The insured will be provided with the complete sum insured if he/she loses his/her hands or feet or loses sight of both eyes. The same applies to the loss of one eye and one limb.
    • If the policyholder loses either one of the eyes, or one limb, he/she can claim 50% of the sum insured.
    • A lump sum equal to 100% of the sum insured will be provided to the insured if there has been complete disablement of the insured.

    Benefits of National Insurance Janata Personal Accident Policy

    Free-look period The policyholder has a 15-day free-look period during which he/she can ascertain if the policy is suitable for him/her. If the policy is found unsatisfactory, he/she can return the policy and the premiums paid will be refunded, unless the insurer has incurred expenses towards any medical examinations or stamp charges. If a claim has been made during the free-look period and the policy is returned post the claim, the claim amount will be deducted from the refund amount.
    Grace period A grace period of 30 days, starting from the premium due date, allows the policyholder to make the payment or renew the policy without the loss of benefits. No coverage will be available in case no premium is paid.

    Exclusions of National Insurance Janata Personal Accident Policy

    • Death or disability arising as a result of a disability that existed before the issue of the policy.
    • Intentional self-injury or injury from attempted suicide.
    • Any injury from abuse of alcohol, drugs or intoxicating substances.
    • Any injury caused by insanity or a venereal disease.
    • Any injury resulting from racing, mountaineering, big game hunting or winter sports like ice hockey and skiing.
    • Any injury resulting from an activity that is classified as a breach of law.
    • Any injury resulting from war, invasion, or acts of foreign enemies.
    • Any injury caused by nuclear weapons or materials.
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    *The customer reviews/feedback/opinions expressed on this website are solely of their authors and do not reflect, in any way, the view of BankBazaar Insurance.

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    ICICI Lombard Health Care Plus Plan Reviews

    Write a Review
    • review Health Insurance
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      I have been using the health insurance policy with the ICICI LOMBARD GENERAL INSURANCE since from last 10 years where i have paid the premium for 7 years. The customer support is very helpful for getting the claim where i got 60K of claim with this policy. Medical coverage is for 5L for family.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 23, 2019
    • review
      review Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I am holding my health insurance policy with the ICICI LOMBARD GENERAL INSURANCE since from last one year as i have not experienced with any claim with this policy but the medical coverage they have offered is for 10L only for self. The premium is nominal comparatively.
      Was this review helpful? 0
      , allahabad
      Reviewed on Jan 16, 2019
    • review Health Insurance
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      I had no claim experience with this health insurance policy where i am holding it from the ICICI LOMBARD GENERAL INSURANCE since from last more than three years. The medical coverage they have offered for this policy is for 2Lakhs rupees and it for family.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 11, 2019
    • review Health Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have a medical policy with ICICI Lombard personally as well as my company has offered me a health policy. They never call up, first they used to send msg or mail regarding policy updates. When I call them they provide a good service and very supportive. The medical coverage is 5L given my company and personal is 10L.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 28, 2018
    • review Health Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I had a good experience with ICICI Lombard in car insurance and came to know about the health policy. I have purchased the policy for my father and mother separately. The claim process was very easy, I hardly spoke to the customer support for 20mins and the process was done. I have submitted the necessary documents and it took 21 days, it was a small amount got the reimbursement. The medical coverage is 5L for each person.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 28, 2018
    • review Health Insurance
      "Satisfied"
      0.5 5.0/5 "Blown Away!"
      My health insurance is with ICICI Lombard and the customer services are good. The medical coverage is good too. I had a claim experience and the process was smooth and easy. I did not have to contribute anything from my end. Every thing was done by the insurer.
      Was this review helpful? 0
      , jaipur
      Reviewed on Nov 23, 2018
    • review Health Insurance
      "Average policy"
      0.5 5.0/5 "Blown Away!"
      Better coverage and better premium has been provided by the ICICI Lombard health insurance. My family also covered in this policy. I have no idea about the premium amount. They have offered me a coverage amount for the whole family. They were covered the pre-existing disease also. Almost all the hospitals are covered in this policy.
      Was this review helpful? 0
      , jaipur
      Reviewed on Oct 30, 2018
    • review Health Insurance
      "Needy policy"
      0.5 3.5/5 "Pretty good"
      I have taken my health insurance with ICICI Lombard. Since I'm a corporate customer of ICICI Lombard for many year i have chosen the policy with this company. I have taken this policy for my family and i compared with other companies, the premium is lower. They are able to cover most of the hospital and they are not very much informative on plans and coverage in the customer care.
      Was this review helpful? 1
      , salem
      Reviewed on Oct 30, 2018
    • review Health Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      I am satisfied with ICICI Lombard medical cover, its gives health protection for my entire family . All the process has been done on time, it was taken care by my company. The insurer given the pamphlet where the list of all hospitals they got tie up. Even I can reimburse which they haven't got tie up.
      Was this review helpful? 0
      , mohali
      Reviewed on Oct 29, 2018
    • review Health Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      Till now i have not used the cashless treatment facility. I have bought the health insurance policy with the same company for past 4 years. My health insurance policy was taken with ICICI Lombard and i have purchased this policy only for myself. I had no claim experience as of now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 26, 2018
    • review Health Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      My company gave Rs.2 lakhs of medical cover its only for me, I got medical card on time. I can use for any cash less service for health issue. I appreciate their IVR system, I could reach them immediately, they got tie up with reputed hospital and small clinical for minor and major disease.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Oct 26, 2018
    • review Health Insurance
      "Its Good for emergency"
      0.5 4.0/5 "Great!"
      I have mediclaim policy with ICICI lombard, they gave me Rs.2 lakhs of cover for my entire family, they have tie up with many hospitals in Bangalore. I have not used it, Its good for emergency purpose they are giving cash less service by using my medical card can avail it.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 25, 2018
    • review Health Insurance
      "Need to improve the customer care"
      0.5 5.0/5 "Blown Away!"
      In ICICI Lombard, they have provided all the services. They have to provide the toll free number to every customer. I have a received the card last month and delivery got bit delayed. Just because of the precaution i have purchase all my health insurance policy. They have to tie up all the local hospital in the city. I have not utilized any facility.
      Was this review helpful? 0
      , cuddalore
      Reviewed on Oct 24, 2018
    • review Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      ICICI Lombard sent me the medical card and policy copy on time for my health insurance, they gave me the medical value of Rs. 2 to 3 lakhs, it also covers the critical illness, cash less service in reputed hospitals. Brand and reputed is good one in market.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Oct 15, 2018
    • review Health Insurance
      "Everyone needs to take health insurance policy"
      0.5 5.0/5 "Blown Away!"
      They are providing the cashless treatment facility and they will provide the money for patient's account. I hold in this health insurance policy from March. I have made a premium amount of Rs. 300 with a term insurance of 20 years and i have chosen the monthly payment mode. This policy only applicable for heart and cancer disease. I took this policy for myself.
      Was this review helpful? 0
      , guntur
      Reviewed on Oct 14, 2018
    • review Health Insurance
      "Recommendable policy for everyone"
      0.5 5.0/5 "Blown Away!"
      They used to give proper reminder calls every year to the customer before 1.5 months. I had no claim experience in this policy. I took this policy for my mother. I have received the coverage amount of Rs. 3 lakhs. The pre-existing diseased are covered since its a senior citizen plan.
      Was this review helpful? 2
      , ahmedabad
      Reviewed on Oct 12, 2018
    • review Health Insurance
      "Extremely good policy"
      0.5 5.0/5 "Blown Away!"
      I had my father's claim process. The process was quick and fast they have given me the claim within 24 hours. Since the policy is a floating one, so my parents also covered in this policy. They have many hospitals list with a cashless treatment facility. This policy covers my entire family with a coverage amount of Rs. 5 lakhs.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 12, 2018
    • review Health Insurance
      "Looking for better offer"
      0.5 4.0/5 "Great!"
      From 2009, I am holding ICICI lombard medical insurance, since I haven't used this policy. I think there was no claim bonus because every year I am making the same premium of Rs. 25,000 for the medical cover of Rs. 5 lakhs for four members with cash less service and critical illness cover.
      Was this review helpful? 1
      , jabalpur
      Reviewed on Oct 11, 2018
    • review Health Insurance
      "Good medical cover"
      0.5 4.0/5 "Great!"
      Reason to prefer ICICI Lombard health insurance has critical illness for major diseases like heart attack etc. They do have pre existing cover with cash less support. The health coverage value is also fine for me. Moreover ICICI lombard is best than other companies,
      Was this review helpful? 0
      , siliguri
      Reviewed on Oct 11, 2018
    • review Health Insurance
      "Satisfactory experience"
      0.5 5.0/5 "Blown Away!"
      My company provided corporate health policy from ICICI Lombard, I got claim two years back it for my baby was not well at the time, they have provided cash less treatment in good hospital. As soon as I give call to the customer service they approved my claim.
      Was this review helpful? 0
      , gudalur
      Reviewed on Oct 09, 2018
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