No health check-up up to the age of 55 years (age as on last birthday)
Avail Cashless Claim facility at 3,500 network hospitals across India
Cover your family under a single policy..
Now get additional Sum Insured for every claim free year.
Free health check-up coupon for any one insured family member
ICICI Lombard Family Floater health insurance policy has no sub-limits on room rent, doctor fees, and hospital charges or for any disease except Cataract (Rs. 20,000 per eye applicable)
ICICI Lombard Family Floater health insurance policy has no co-payments for any disease or any Hospital usage
This policy also covers you for hospitalization# in case of Swine Flu / H1N1 influenza.
Avail tax benefits under Section 80D of the Indian Income Tax Act 1961.*
Secure your family against terrorist activities
Options for one or two year covers available.
Buy Online through ICICI Bank, HDFC Bank and Citibank Credit card and pay in installments without any extra charges. (Conditions Apply)
ICICI Lombard Health Insurance - Coverage
Incurred as an inpatient during hospitalisation for more than 24 hours, including room charges, doctor/ surgeon's fee, medicines, etc.
30 days prior to hospitalisation.
60 days post hospitalisation.
Day Care expenses incurred on advanced technological surgeries and procedures like Dialysis, Radiotherapy, and Chemotherapy, requiring less than 24 hours of hospitalisation.
Pre-existing diseases can be covered after 48 months of continuous coverage since inception of first individual health policy with the company.
This policy also covers you for hospitalization# in case of Swine Flu / H1N1 influenza
ICICI Lombard Health Medical Insurance - Eligibility
The customer can buy the policy for any family member(s) children and/or dependent parents.
The senior most person to be insured should be between 5 to 60 years of age.
The Proposer needs to be aged above 18 years
To cover children aged between 91 days to 5 years, the policy must also cover at least 1 adult under the same policy.
Children under less than 91 days old cannot be covered.
Individual(s) proposed for Insurance whose age is 56 years & above have to undergo medical tests at ICICI Lombard designated diagnostic centers.
The policy cover is renewable till the age of 70 years
Income Tax benefits u/s 80D can only be availed for policies bought for Self, Spouse, dependent children or dependent parents.
Floater benefit under the policy is available up to the age of 60 years. All floater policies thereafter will be renewed under individual plan up to the age of 70 years.
ICICI Lombard Mediclaim Insurance - Exclusions
Exclusions for Basic Hospitalization Benefit Cover:
Exclusions valid for the firs 30 Days
-Any illness contracted within 30 days of the inception date of the policy, except those that are incurred as a result of an accident. This clause is not applicable on the subsequent renewals of this policy.
Exclusions valid for the first 2 Years
Treatment of the following diseases/illness/ailments:
Cataract
Benign Prostatic Hypertrophy
Myomectomy, Hysterectomy unless because of malignancy
Hernia, Hydrocele
Fistula in Anus, Piles
Arthritis, Gout, Rheumatism
Joint replacement, unless due to accident
Sinusitis and related disorders
Stone in the urinary and biliary systems
Dilatation & Curettage
Skin and all internal tumors / cysts / nodules / polyps of any kind, including breast lumps, unless malignant / adenoids and hemorrhoids
Dialysis required for chronic renal failure
Surgery on tonsils and sinuses
Gastric and duodenal ulcers
If the policy is renewed with us for 2 consecutive years, the above diseases/illness/ailments will be covered from the 3rd year. If these are pre-existing diseases at the time of inception of the policy, the same will be covered from the second consecutive renewal.
Permanent Exclusions
Any illness/ disease/ injury/ pre-existing disease before the inception of the policy. However, this exclusion ceases to apply if the policy is renewed with the Company for 2 consecutive years.
Non-allopathic treatment, pregnancy and childbirth related diseases, cosmetic, aesthetic and obesity related treatment.
Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs as well as intentional self injury
War, riots, strike, nuclear weapon induced treatment.
ICICI Lombard Medical Insurance - Claims
Claim Process
Cashless
Hospitalisation
Inform ICICI Lombard Health Care helpline and register claim
Validation & Authorisation
TPA/ICICI Lombard Health Care settles bills directly with hospital/provides financial assistance
Reimbursement
Medical Expenses & other claims
Inform TPA/ICICI Lombard Health Care Helpline and register claim
Validation & Authorisation
Mail the required documents to claim department at mailing address
TPA/ICICI Lombard Health Care to check and reimburse payment
