ICICI Lombard Complete Health Insurance

A benefit amount of Rs. 10,000 per insured once during the policy period is paid in case the hospitalization arises due to any injury or illness covered under the policy, for a period of 10 consecutive days or more.

This optional cover reimburses the insured of the medical expenses incurred as an outpatient (OPD).

The reimbursement is provided for the medical expenses incurred for delivery, including a cesarean section or lawful medical termination of pregnancy. The waiting period for maternity cover is 3 years and covers 2 deliveries/terminations during the policy period. This benefit is applicable only for floater plan where both the self and spouse are covered under the same plan. Even the pre and postnatal expenses are covered under this benefit.

This benefit covers the expenses of a new born during hospitalization for a maximum period of 91 days from the date of birth of the child. This cover is provided only if maternity cover is opted.

Selecting a health insurance plan shouldn’t be based on the number of tax benefits merely, instead one must go for a policy, which actually delivers.  There exist many factors to finalise a plan for oneself like age, the number of members in the family and the amount of premium preferred, etc. However, the iHealth - Complete Health Insurance Plan possesses several features, which entice the customers. Here are some of those attractive elements of the plan:

• In-patient hospitalisation cover is provided on 24+ hours hospitalisation
• Pre and post hospitalisation expenses for 30 and 60 days respectively
• The plan can be purchased for 1 or 2 years
• The option of critical illness cover is offered for specified critical illnesses
• Policyholders are offered free health check-up at designated centers
• The cost incurred on the organ donor expenses is covered up to Rs. 50,000
• Coverage for the expenses incurred on any daycare procedures/treatment
• Reasonable expenses of domestic road emergency ambulance are covered

The plan holds some more benefits other than the coverage features. With its additional elements, the plan proves itself as an affordable and beneficial one. Following are the additional elements of the plan:

• The plan offers lifelong renewability feature without any age restriction
• Policyholders are provided with an additional 10% sum insured for every claim free year that can reach up to maximum 50%
• Value-added services such as online chat with doctors, e-consultation with dietician and nutritionist, discount on wellness services are offered
• Tax benefits up to a limit can be earned as per section 80D of the IT Act

The iHealth - Complete Health Insurance Plan keeps its promise to offer comprehensive coverage and is rightly called a complete health insurance plan.

Once you have selected the policy to purchase, it becomes essential to choose the right platform for it too. In this digital era, the online platform is gaining swift popularity among the people. On this note, InsuranceDekho.com is a perfect place to get your policy. The team of the company helps customers finding a plan that truly fit their needs by offering detailed information, providing assistance in the claim settlement procedure, and so on.

All the expenses pertaining to routine health checkups and for other wellness and fitness activities are reimbursed under the plan.

Yes. If you make the payment of premium by any mode other than cash for this health insurance policy, you get eligible for relief under Section 80D of the Income Tax Act 1961.

Under this plan, you can opt for critical illness cover covering specified critical illnesses/medical procedures like cancer of specified severity, first heart attack of specified severity, open chest CABG, stroke resulting in permanent symptoms, permanent paralysis of limbs, kidney failure, etc.

If you are above 18 years of age, you can buy the Complete Health Insurance policy for yourself and your family members, children and parents. You can also buy an individual policy for your child, but he or she should be more than 6 years of age and under family floater, your child can be covered if he or she is more than 3 months of age.