ICICI Lombard Complete Health Insurance
Cashless Approval TAT | 2 hr Cashless Claim Processing |
Claim Settlement Ratio | 99.70% |
Network Hospitals | 7,500+ |
Pre-existing Disease Waiting Period | 2 year |
Special Benefits | Anywhere Cashless |
Starting Premium for Rs. 5 lakh SI | Rs. 581/month |
About ICICI Lombard Complete Health Insurance
ICICI Lombard Health Insurance offers a wide range of medical insurance plans that covers various healthcare expenditures. ICICI Lombard’s plans comes with the benefit of the flexible policy term, premium payments, riders, treatment coverage and wide hospital networks among many others. ICICI Lombard Complete Health Insurance is one such plan offered by the company that aims to provide coverage to not just the proposer but also his/her family.
It is a comprehensive plan that offers a total family health cover during planned or emergency hospitalisations and treatments. You can even choose to make your cover more comprehensive by opting for critical illnesses cover in addition to the basic plan. The plan also offers cover for senior citizens, along with add-on covers such as Outpatient Treatment, Wellness and Preventive Healthcare and Maternity & New Born Baby Cover.
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Key Inclusions and Exclusions of the Plan
What's Included
- Floater cover to cover the whole family under a single policy by paying one premium amount
- Free health checkup for every policy year, subject to a maximum of 2 coupons per year for floater policies
- Medical expenses incurred 30 days pre and 60 days post hospitalisation
- Day-care expenses for surgeries and procedures requiring less than 24 hours of hospitalisation such as dialysis, radiotherapy and chemotherapy
- Hospitalisation expenses if hospitalised for more than 24 hours, including room charges, doctor/surgeon’s fee, medicine bills, etc.
What's Not Included
- Naturopathy treatment, acupressure, acupuncture, magnetic and other such therapies
- Any illness/ disease/ injury/ pre-existing disease before the inception of the policy
- For the first 2 years, some diseases like cataract, hernia, stone in the urinary system and others will not be covered
- An illness contracted within 30 days of the policy inception, except those incurred as a result of an accident
- Non-allopathic treatment, pregnancy, and childbirth-related complications are not covered by the plan
Complete Health Insurance Plan Details
Features/Plan | Health Protect | Health Protect Plus |
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Restoration Benefit | Up to 100% of SI | Up to 100% of SI |
No Claim Bonus | Up to 50% of SI | Up to 50% of SI |
Room Rent | Single private A/C room | Single private A/C room |
4280 ICICI Lombard Cashless Network Hospitals in India
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Add-ons to Enhance Benefits
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Convalescence Benefit
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.
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Outpatient (OPD) Cover
This optional cover reimburses the insured of the medical expenses incurred as an outpatient (OPD).
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Maternity Benefit
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.
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Newborn Baby Cover
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.
ICICI Lombard Complete Health Insurance Expert Review
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Major Attractions
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
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What’s More?
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
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Conclusion
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.
Claim Process at ICICI Lombard Health Insurance
FAQs on Complete Health Insurance Health Insurance Plan
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Does the plan cover wellness and preventive healthcare expenses?
All the expenses pertaining to routine health checkups and for other wellness and fitness activities are reimbursed under the plan.
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Will investing in this policy bring any tax benefit for me?
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.
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Does complete health insurance plan offer critical illness cover?
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.
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What is the eligibility criteria for having this policy?
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.