ICICI Lombard iHealth Insurance Plan
Product Overview
ICICI Lombard iHealth Insurance Plan is an inpatient hospitalization policy which offers a host of benefits like - Day care procedures, Pre & Post Hospitalization expenses, Lump-Sum Coverage for Critical Illness, No limitations on Room Rent, Doctor's Expenses, medical bills, etc.
Unique Features of ICICI Lombard iHealth Insurance Plan
- Annual Free Health Check-ups
- No Sub Limits - Room Rent, ICU, Doctor's expenses, etc.
- Pre-Existing covered after 2 year for higher coverage.
- Lump sum coverage for Critical illness(Optional)
- No Co-Payment
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OneInsure App Benefits
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Critical Features - ICICI Lombard iHealth Insurance Plan
- 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 clause - No Claim Bonus:
Health Insurance policies may offer Cumulative Bonus wherein for every claim free year, the Sum Insured is increased by a certain percentage at the time of renewal
10% of the Basic Sum Insured upto a maximum of 50% for each unclaimed year in case opted for (The cumulative bonus is reduced by 10% of sum insured once a claim is made). - 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 2& 4 years is case of pre-existing diseases for chosen sum insured
Eligibility Criteria
- Minimum Age of Entry:- 3 months in case of floater and 6 years in case of individual.
- Maximum age of Entry:- No Limit
- Renewal Age:- Life Long Renewal
- Policy Tenure:- 1 & 2 years
- Sum Insured:- 2 lakhs, 3 lakhs, 4 lakhs, 5 lakhs
- Family Definition:-
Individual Plan - Self, Spouse, Dependent Children, Dependents Parents
Family Floater - Self, Spouse, Dependent Children & Dependent Parents - Premium Calculated on Basis of:- Age, (i.e. sum Insured Chosen)
Add-ons
| Add-On | Description | |||
|---|---|---|---|---|
| Hospital Daily Cash | A certain amount will be paid once during the policy period for each and completed day of hospitlization subject to maximum of 10 consecutive days with 3 days deductible. For Sum Insured - 2Lac - Rs. 500 per day For Sum Insured - 3/4/5 Lacs - Rs. 1000 per day For Sum Insured - 7/10 Lacs - Rs. 2000 per day |
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| Convalescence Benefit | A benefit amount of `10,000 per insured once during the Policy Period will be paid in case of hospitalisation arising out of any Injury or Illness as covered under the Policy, for a period of consecutive 10 days or more. |
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| Critical Illness | The customer can opt for Critical Illness cover covering specified Critical Illnesses/medical procedures like Cancer, Coronary Artery By-pass Graft Surgery, Myocardial Infarction (Heart Attack), End Stage Renal Failure (Kidney Failure), Major Organ Transplant, Stroke, Paralysis, Heart Valve Replacement Surgery and End Stage Liver Failure. A benefit amount is paid once during the policy period up on the diagnosis of the specified Critical Illnesses upto Policy Sum Insured. | |||
| Donor Expenses | Reimbursement up to Rs. 50,000 for such medical expenses as incurred by the organ donor for undergoing any organ transplant surgery for you. | |||
Additional discounts
- Discount for multi-year polices - 10% discount for opting 2yr policy tenure
Exclusions
- Non-allopathic treatment
- Expenses attributable to self-inflicted Injury (resulting from suicide, attempted suicide
- Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
- Cost of spectacles/contact lenses, dental treatment
- Medical expenses incurred for treatment of AIDS
- " Treatment arising from or traceable to pregnancy (this exclusion does not apply to ectopic pregnancy proved by diagnostic means and is certified to be life threatening by the Medical Practitioner) and childbirth, miscarriage, abortion and its consequences Congenital disease"
- Tests and treatment relating to infertility and invitro fertilization
- Medical Expenses relating to any hospitalisation primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations
Note: Any claims arising out of or attributable to any of the following is not covered, Please refer policy T & C for detailed list of exclusions.
Tax Benefits
When you pay the premium for your health insurance policy, you are liable to get a tax rebate under section 80D of the Income Tax Act, 1961.
Claim Process
In case you would like to know about the Claim Process or would like to register a Claim please click the link below.
