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Pre-existing diseases Pre-existing diseases declared at the time of proposal and accepted by us will be covered immediately after 2 years waiting period for a sum insured of ₹3 lakh and above.You can view the updated list of these hospitals and providers here. Cashless hospitalisation Cashless hospitalisation facility at any of our network providers or hospitals.This benefit can be availed for a different illness or the same illness but by a different insured.
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Reset benefit Facility to restore your balance sum insured up to 100% of the base sum insured once in a policy year in case the sum insured, including accrued additional sum insured (if any), is insufficient as a result of previous claims in that policy year.Additional sum insured protector* No effect on the additional sum insured that you have earned over the years if you happen to make claims that are up to ₹50,000 in the previous policy year.You can avail this if your in-patient hospitalisation claim has been accepted. Claim protector** Coverage for items that are not otherwise payable by us under your claim.In case of a claim, the extra sum insured earned will be reduced by 50%. Super no claim bonus** 50% extra sum insured awarded to you over your base sum insured for every claim-free year.You can redeem the wellness points on OPD bills for doctor’s consultation, medicine and drugs, diagnostic expenses, dental expenses, etc. Wellness program Redemption of wellness points earned due to healthy behaviour through various wellness and fitness activities.AYUSH treatment Expenses for in-patient treatment under Ayurveda, Unani, Siddha and Homeopathy (AYUSH) treatment only when it has been undergone in a government hospital or any institute recognised by the government and/or accredited by Quality Council of India/National Accreditation Board on Health.Day care treatments The expenses for advanced, technological medical surgeries and procedures requiring less than 24 hours of hospitalisation (including dialysis, radiotherapy and chemotherapy).Pre and post hospitalisation Medical expenses incurred 30 days prior and 60 days post hospitalisation, provided we have accepted the in-patient claim.Hospitalisation Medical expenses incurred during hospitalisation for more than 24 hours, including room charges, doctor/surgeon’s fee, medicine bills, etc.You also get to save 10% on your health insurance premium when you buy ICICI Lombard Complete Health Insurance policy for 2 years’ tenure. We let you claim digitally under your family medical insurance with us on our IL TakeCare mobile app. Additionally, our health assistance team is available to answer your COVID-19 queries on our dedicated helpline – 04066274205 between 9 AM to 6 PM from Monday to Saturday. You can also have your pick from our smart set of add-on covers basis your healthcare needs. You can select, edit the number of family members you wish to cover under the family health plan. It can help you zero down on a health insurance policy for family from the comfort of your home. We have hence put together a super easy and customisable online experience. So, digital can become your go-to solution for choosing one of the preferred health policies in India. We know that your busy schedule may leave you with very little time to find a reliable health policy for family. Why should you buy health policy online from ICICI Lombard? It is a fuss-free way to secure yourself with one of the leading health insurance policies. Gives coverage against death or permanent total disablement (PTD) due to an accident. Coverage goes up to ₹50 lakh.Īccident protection policy. Covers your medical expenses when your basic insurance plan falls short. Super top-up policy to enhance your existing health coverage. Ideal for those who need a starter health insurance policy on an individual or family basis. Standard policy for your primary healthcare needs. The monthly premium mentioned for ICICI Lombard Complete Health Insurance is the policy base premium calculated based on a persona of an individual with age of 21 years. Coverage starts from ₹5 lakh for a monthly premium
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Comes with exclusive benefits like no room rent capping, no co-payment, OPD cover & lifelong renewability.