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ICICI Lombard Health Insurance for Family

One of the most popular family plans of ICICI Lombard is Complete Health Insurance. This plan not only provides coverage to the proposer but also his/her family. This plan offers benefits of the flexible term of the policy, payment of premium, wide coverage for treatment expenses, riders, and wide hospital networks. You can even choose optional covers offered under the plan including hospital daily cash, convalescence benefit, maternity benefit, newborn cover, wellness, and preventive healthcare, critical illness cover, donor expenses, personal accident cover, medical evacuation, etc.

Key Features

  • A comprehensive plan offering coverage for the complete family during both planned and emergency hospitalisations
  • Optional benefit of critical illness cover
  • Cover for senior citizens
  • Add-on covers such as maternity and newborn cover
  • Wellness and preventive healthcare benefits
  • Value-added services like online chat, e-consultations, etc.
  • Reset up to 100% of the sum insured once in a policy year
  • No pre-policy medical checkup for cover below the age of 46 years and sum insured up to Rs. 10 lakh

Scope of Coverage

  • Cover for room charges, doctor/surgeon’s fees, medical bills, etc.
  • Pre-hospitalisation expenses 30 days
  • Post-hospitalisation expenses 60 days
  • Daycare expenses such as chemotherapy, radiotherapy, and dialysis
  • Free health checkup, under floater policy maximum of 2 coupons are provided per year
  • Coverage for the whole family under a single policy by paying a single premium
  • Coverage for hospital daily cash as an optional benefit
  • Coverage for compassionate travel (air travel for family members) as an optional benefit

Eligibility

Under an individual policy, the minimum entry age for adults is above 18 years and for children, it is above 6 years. Under family floater, the child should be more than 3 months of age. There is no limit to the maximum age.

Exclusions

  • Expenses related to injury or diseases directly or indirectly related to the war, an act of a foreign enemy, etc.
  • Expenses due to self-inflicted injury such as suicide, etc.
  • Expenses arising out of or attributable to the use of alcohol or drug abuse
  • Any illness occurring within 30 days of the policy inception, except those occurring as a result of an accident
  • Expenses incurred for treatment of HIV/AIDS

For complete information about ICICI Lombard Complete Health Insurance plan and exclusion list, kindly go through the policy wording or call InsuranceDekho toll free number 1800-120-5698.

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FAQs

  • What do you mean by floater option in ICICI Lombard health insurance plan?

    In a floater option, a single policy under one sum insured covers all the family. It can cover, 2 adults, 2 adults, and 1 child; 1 adult and 2 children; 2 adults and 3 children; 1 adult and 1 child. The sum insured can be used by anyone or all covered under the policy until the time the limit is exhausted.

  • Can I insure more than 2 adults or more than 3 children in my ICICI Lombard health insurance plan?

    There can be a maximum of 2 adults and 3 children in a policy. If the number of adults or number of children is more than 2+3, you need to buy a separate policy for the additional members.

  • Does ICICI Lombard have any family floater health insurance plan?

    Yes, ICICI Lombard offers Complete Health Insurance, which is a complete family health product. The policy covers your entire family in a single Mediclaim policy.

  • Does ICIC Lombard offer free health check-up under its family floater plan?

    Yes, ICICI Lombard provides free health check-up at its designated centers under the family floater plan. 

  • Can I renew the ICICI Lombard family floater policy for a lifetime?

    Yes, you can. ICICI Lombard offers a lifetime renewal facility with no age limit to the policy. You can renew it and keep your family protected. 

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