Surgeries covered under ICICI Lombard Health Insurance

ICICI Lombard is one of the leading insurance companies in India which is working in the field of health insurance. It was started in 2021, and it provides various facilities to its customers through channels like health, marine, fire, engineering and many more. They follow and focus on one principle saying “Nibhaaye Vaade”. One of the perks of having ICICI Lombard is that they have quick monetary claims and unlimited benefits for the insured sum amount. If there is a shortage of rooms in the hospital or the patient is not able to move, then ICICI Lombard covers the expenses of medical treatment at home too. One more thing that  ICICI Lombard offers is free health check up in their plans for the individual and their family members.

Importance of Health Insurance for Surgical Procedure

There has been a remarkable evolution in surgeries today, from wars to minimal invasions. The hope for the surgery to go successful is the one thing that still remains constant. From a broken bone to heart transplant, surgeries play a very big role in the medical health world. You should definitely invest in health insurance to make sure that your savings remain untouched.

Now, the most important question is, what is health insurance for surgery? Health insurance for surgery is also known as operation surgery which is an insurance plan especially planned for surgical procedures. The insurance coverage money can be used for all purposes, including daycare procedures to major surgeries that need hospitalisation. If you are a person who has a family history like critical illness who is suffering from any prior diseases or any serious ailment related to any organ of the body then you should definitely opt for ICICI Lombard. You should take ICICI Lombard if you want good amount of sum assured for your surgeries or minor procedures that are very expensive, if you want to cover the expenses of health insurance for surgery post the operation or if you want the ICICI Lombard health insurance plan to cover for many types of surgery procedures.

List of health insurance plans offered by ICICI Lombard

ICICI Lombard Health Insurance plans are offered to meet the expectations of the customers. ICICI Lombard offers numerous plans to their customers like special plans covering surgeries or illness, or complex health insurance plans. The plans are offered either on an individual or a family floater basis. We have mentioned below variety of ICICI Lombard Health Insurance plans that are available for customers in the market:

1. ICICI Lombard Health Care PlusPlan
2. ICICI Lombard Health AdvantEdge Plan
3. ICICI Lombard Elevate Plan
4. ICICI Lombard Max Protect Plan
5. ICICI Lombard Personal Protect Plan
6. ICICI Lombard Health Booster Plan
7. ICICI Lombard Personal Care Insurance Plan
8. ICICI Lombard Income Protect Plan
9. ICICI Lombard Hospifund Insurance Plan
10. ICICI Lombard Arogya Sanjeevani Policy
11. ICICI Lombard Family Shield Plan
12. ICICI Lombard Corona Kavach Policy
13. ICICI Lombard Women Cancer Shield Plan
14. ICICI Lombard COVID-19 Protection Cover
15. ICICI Lombard Mashak (Mosquito) Rakshak Plan
16. ICICI Lombard Saral Suraksha Bima
17. ICICI Lombard Criti Shield Plus Plan
18. ICICI Lombard Universal Protection Plan
19. ICICI Lombard Smart Janta Personal Accident Insurance PolicyD
20. ICICI Lombard Smart Super Health Insurance Plan
21. ICICI Lombard Critical Illness Plan
22. ICICI Lombard Golden Shield Plan
23. ICICI Lombard Complete Health Insurance Plan
24. ICICI Lombard Health Shield 360 Retail Plan
25. ICICI Lombard Special Shield Plan
26. ICICI Lombard iShield Plan
27. ICICI Lombard Wyn Health Plan
28. ICICI Lombard COVID Shield Plan

List of Surgeries Covered Under ICICI Lombard Health Insurance Plans

We have mentioned below a list of various surgeries that we cover under ICICI Lombard Health Insurance plans:

1. Heart Surgery

Heart surgeries are basically surgical procedures performed on the heart to treat various conditions like arteries that are blocked, problems in heart valves, defects in contingent heart, and many more issues. Heart surgeries that are very common like bypass surgery, valve repair, replacement of heart or angioplasty and other surgeries which are so expensive that they definitely create a dent on your financial condition. ICICI Lombard luckily covers all heart surgery costs by various ICICI Lombard Health Insurance plans which includes health booster, health care plus, Criti shield plus, golden shield, Complete health insurance and Wyn health. Moreover, the waiting period for these plans can range from 90 days to 24 months depending on the ICICI Lombard health insurance plan you have taken.

2. Cataract Surgery

Cataract surgeries are basically surgical procedures performed on the eye to remove the lens of your eye when your eye becomes cloudy which is usually due to ageing. It is performed to restore vision by removing cloudy lenses and replacing them with artificial lenses. There are many ICICI Lombard Health Insurance plans for cataract surgery which includes Health Booster, Health Care Plus, Complete health insurance, and Wyn health and cover the expenses of the surgery. However, the waiting period for the coverage under these plans are 24 months.

3. LASIK Eye Surgery

Lasik Eye surgeries are basically surgical procedures performed on the eye related to correct visions with the help of laser like nearsightedness, farsightedness or astigmatism. The basic idea behind this surgery is to improve the vision and to do so the doctor reshapes the cornea of the eye. After doing this surgery, you might not even need glasses or contact lenses as it is a very quick and effective surgery. ICICI Lombard Health Insurance plans cover laser eye surgery under several plans like Health Booster, Health AdvantEdge, Personal Protect or Elevate. To activate the coverage, you will have to serve a waiting period of at least 30 days to 24 months which totally depends on the plan you have taken.

4. Joint Replacement Surgery

Joint Replacement surgeries are basically surgical procedures performed on the joints by replacing damaged joints with artificial ones. These are performed on knees or hips to relieve the pain and improve the ability to move freely.

5. Kidney Stone Removal Surgery

Kidney Stone Removal Surgeries are basically surgical procedures performed on the kidney to remove stones that have been formed inside the kidney which are causing pain and blocking urine flow in the body. The surgery will be done in different ways to remove the stones from the kidney which will totally depend on the size of the stone and where it is located in the kidney.  ICICI Lombard health insurance plan covers the costs of this surgery by various plans such as Wyn Health, Health Booster, Health Care Plus, and Complete Health Insurance plan but the waiting period to cover the expenses of this surgery is under 24 months.

6. Prostate Cancer Surgery

Prostate Cancer Surgery are basically surgical procedures performed to treat the prostate of cancer which means the early stage of cancer and it has not spread to other parts of the body like bones or lymph nodes. However, ICICI Lombard Health insurance plan covers the expenses of this surgery under the plan  ICICI Lombard Health Booster after you serve the waiting period of 24 months.

7. Bariatric Surgery

Bariatric Surgery are basically surgical procedures performed to help people who want to make changes in their digestive system as they are trying to lose weight. People usually get it done because they have not been able to lose weight by following a diet or by a workout regime and it's because the person has some serious obesity related issues in their body. ICICI Lombard Health Insurance plans cover the expenses of this surgery by many plans like Wyn Health, Health AdvantEdge, and Max Protect. The waiting period for the coverage amount of this surgery is from 24 months to 36 months.

8. Robotic Surgery

Robotic surgery is basically a type of surgery in which the surgeries are performed using robotic systems as it allows the surgeons to operate in a better way and stay in control also. Thankfully, these surgeries are covered by ICICI Lombard Health Insurance plans by various plans named Elevate, Golden Shield and Max Protect. The waiting period for the coverage amount of this surgery is 24 months.

Coverage limit for surgeries under ICICI health plans

Does ICICI Lombard Cover Pre- and Post-Surgical Expenses?

Yes, ICICI Lombard health insurance plans cover the pre and post surgical expenses of the customer but it depends on what all expenses it will cover. For an individual health insurance policy, it covers the expenses of pre-hospitalisation and post-hospitalisation expenses, expenses of the surgery, rent for the hospital room and the doctor’s fees. For Health AdvantEdge policy, it covers the expenses of pre- and post-hospitalisation expenses, all the treatments given to the patient in the hospital, rent of the room and doctor’s fees. For Health Shield 360 policy, it covers all the expenses which have been raised 60 days before the hospitalisation and 90 days after the hospitalisation. Some of the ICICI Lombard plans also cover the charges of ambulance, deduction in tax, and claiming cash settlement.

Waiting Period For Surgeries Under ICICI Health Plans

What Happens if My Surgery is Not Covered?

If your surgery is not covered under ICICI Lombard health insurance plan then first thing you should do is read your insurance plan very carefully as there are few surgeries that are not covered under ICICI Lombard health insurance like cosmetic surgeries, normal pregnancy and childbirth related surgeries, experimental treatments or injuries because you were doing some illegal activity or some sporty and risky activity. A health insurance plan is very important as it saves a fortune from your savings if you face any unfortunate event but you have a health insurance plan and it covers the expenses. After reading the policy if you still think that your surgery should be covered and it is not covered by the health poly then you should do the following:

1. You can contact the insurance company to discuss the matter.
2. You can file a written complaint against the insurance company.
3. You can share complete details with the insurance company in case you forgot to attach all information before.

Conclusion

One of the perks of having ICICI Lombard is that they have quick monetary claims and unlimited benefits for the assured sum amount. The company offers numerous plans to their customers like special plans covering surgeries or illness, or complex health insurance plans. ICICI Lombard offers plans to their customers either on an individual or a family floater basis. We have mentioned many ICICI Lombards in our article like Heart Surgery, Cataract Surgery, LASIK Eye Surgery, Joint Replacement Surgery, Kidney Stone Removal Surgery, Prostate Cancer Surgery, Bariatric Surgery and Robotic Surgery. The best part about ICICI Lombard covers Pre and Post surgical expenses also.

FAQs

Ques 1: What is covered under ICICI Lombard health insurance?

Ans: ICICI Lombard health insurance plans covers all the expenses that are included in the hospitalisation like rent of the room you were staying in, charges of the unit, doctor or any surgeon who operated his fees will be covered,  anaesthesia charges if it was used in the surgery, if blood was needed, oxygen and many more things which you can find in your health insurance plans.

Ques 2: How to claim medical expenses from ICICI Lombard?

Ans: You can claim your expenses easily from ICICI Lombard plan by following a few steps like you claim your coverage amount, get your form for claiming the amount, get your claim papers ready and then submit. The health insurance company will go through your claim papers and approve after you serve the waiting period provided by them as there are many forms coming through daily.

Ques 3: Is pregnancy covered in ICICI Lombard?

Ans:  Yes, Pregnancy is covered in ICICI Lombard health insurance policies like Wyn Health, Smart Super Health Insurance, Complete Health Insurance, Health AdvantEdge, and many more policies.

Ques 4: How long does an ICICI Lombard claim take?

Ans: You can fill the form for claiming the coverage amount and submit it to the ICICI Lombard right after you release from hospital. Collect all the required documents from them including discharge letters, invoice papers and reports. Upload the fully filled form and all the documents and then the ICICI Lombard team will review your form and confirm if you are verified or not. If you have filled out the genuine forms and claims then you will get the claim amount in the next 15 days. Otherwise if there is any mistake in your form or documents then it might take some time.