Does this insurance policy cover the insured in case of accident?
Yes, this policy covers accident emergencies which require a period of hospitalisation for 24 hours or more. Health insurance policies provide accident coverage from the first day of the policy.
If I claim for a particular ailment, does the insurer consider it as pre existing disease for the next term?
No, the claim made for a disease does not become the pre-existing disease for the next term as long as there is no break in the term of the insurance policy and it is renewed within the due date.
Which are the places I can get hospitalised?
You can get hospitalised in any city in India. Cashless service is available in all the network hospitals of the insurer. The list of the hospitals is provided with your policy.
Note: For all the hospitals which do not come under the network you need to pay first and the insurer will refund you the money later.
Is there a duration limit for stay in hospital?
There is no duration limit as such for stay in hospital but there is a limit to the amount offered by the insurers depending on company terms.
What are the things I should produce for Cashless Hospitalisation?
Health ID card, a photo identity proof (like Passport, Voter ID, driving licence etc) should be produced.
Is the policy applicable if hospitalization is for less than 24 hours (e.g. for kidney stone removal)?
Insurance companies cover all advanced technological surgeries such as kidney stone removal, catheterization, chemotherapy etc. under day care treatment and do not insist on 24 hours hospitalization in case of these procedures. The policy usually has the list of such treatments covered.
What will happen if my policy lapses when I am hospitalised?
Your hospitalization expenses will be covered as long as the event that caused your hospitalization occurred during the policy period.
Does the policy cover Ayurdevic, Unani or Homeopathic treatment?
Only allopathic treatment is covered under the policy.
If any of my family members or me is treated at our home, is the policy coverage applicable?
'Domiciliary Hospitalization' covers you if any of the family members is treated at home. Only in case the patient's condition is such that he/she cannot be moved out of the home then the policy is applicable. However, ICICI Lombard does not cover any treatment at home under any circumstances.
Is there any waiting period when my expenses will not be settled, in case of emergency?
Health insurance policies usually have a 30 day waiting period from the policy start date in the case of sickness only. This clause is not applicable for accidents. Old age diseases like cataract, hysterectomy, hernia etc are usually given a waiting period of 1 – 2 years. The insurers specify these terms in the policy.
