ICICI Lombard Health Care Plus Top up

Product Overview

ICICI Lombard Health Care Plus Top up Health Insurance Plans are a unique type of health insurance cover which offers (the insured) an additional coverage, which is beyond the “threshold limit” (or) the maximum limit of the existing health insurance policies, admission as an inpatient for a minimum period of 24hrs is required. 

Flexible deductible options to take care of your expenses that might incure due on healthcare which are over & above your existing cover.

Unique Features - ICICI Lombard Health Care Plus Top up

• This plan offers Life Time Renewal
• No Medical Check-Up upto 55 years
• No Sub-limits on Room Rent, Hospitalization Expenses, Diagnostic Test & Doctor Fees
• No Co-Payment

Critical Features - ICICI Lombard Health Care Plus Top up

• Room Rent
  Limits imposed towards room and ICU rent expenses
  No Room Rent Limit
• Co-Pay
  Specific % of admissible claim amount to be borne by Insured
  This plan does not have any co-payment
• No Claim Bonus
  This Plan does not have no claim bonus benefits
• Pre- Existing Diseases
  Means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer
  This plans has a waiting period of 4 years is case of pre-existing diseases

Eligibility Criteria

Deductible Amount	Sum insured
2 lakh	5 lakhs
3 lakhs	8 lakhs
4 lakhs	10 lakhs

Additional Discounts

• 7.5 % Discount on premium if insured person is opting for a 2 yrs policy.
• Family discount of 10 % if 2 or more family members are covered under the same policy.

Waiting Period

• Covered from Day 1:
  Accidental Injuries.
• Covered after 30 Days:
  All incidences apart from specified surgeries & Pre existing diseases (if any)
• Covered after 2 Years:
  Cataract, Benign Prostatic Hypertrophy, Myomectomy, Endometriosis, Hysterectomy unless because of malignancy, All types of Hernia, Hydrocele, Fissures and / or Fistula in anus, Hemorrhoids / Piles, Arthritis, Gout, Rheumatism and Spinal disorders, Joint replacements unless due to accident, Sinusitis and related disorders, Stones in the urinary and biliary systems, Dilatation and Curettages, All types of skin and internal tumours/Cysts/Nodules/Polyps of any kind including breast lumps unless malignant, Dialysis required for chronic renal failure, Surgery on Tonsils, Adenoids and Sinuses, Gastric and Duodenal ulcers, Deviated nasal septum.

Exclusions

• Any claims arising out of or attributable to any of the following is not covered
• Any psychological disorders, Routine medical, eye and ear examinations, Congenital disease.
• Suicide or self-inflicted injury, Alcohol or drug abuse, All dental treatment unless caused due to Accident, Birth control procedures and hormone replacement therapy.
• Durable medical equipments, Personal comfort and convenience items and services.
• Any charge incurred prior to Hospitalisation or post Hospitalisation
• Cosmetic surgery and plastic surgery and Any exually transmitted diseases.
• War or any act of war, invasion and act of terrorism
• Costs of donor screening or treatment including surgery to remove organs from a donor in case of transplant surgery.
• Domiciliary Hospitalisation.

Tax Benefits

Tax Benefit for the premium paid under section 80D of the Income Tax Act, 1961.

Claim Process

Insurer has to be intimated 48 hrs before hospitalization in a planned event and within 24 hrs in case of an emergency hospitalization. For reimbursement claims the final claim documents have to reach the insurers office within 90 days of discharge from the hospital.
Claims Intimate at toll free-1800 209 8888 & Email Id-ihealthcare@icicilombard.com

Know More