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.