ICICI Lombard Complete Health Insurance Plan

ICICI Lombard Complete Health Insurance Plan

ICICI Lombard is one of the leading private insurance companies in India that offers a wide range of policies in the markets. It has more than 9,300 network hospitals in various cities across India allowing policyholders to get high-quality treatment services. ICICI Lombard Complete Health Insurance plan offers wide coverage for policyholders to overcome high medical expenses. The minimum entry age for this policy is 6 years and has no maximum age limit. 

Some of the notable features offered by this plan include a wide range of sum insured options, additional sum insured, wellness program, free health check-ups, daily cash allowance, convalescence benefit, domiciliary treatment, and so on.

Eligibility Criteria for ICICI Lombard Complete Health Insurance Plan

Compare ICICI Lombard Complete Health Insurance Plans

*Optional covers available at an additional premium. Donor expenses is available as an optional add-on in iHealth covering up to ₹50,000. #Donor expenses are covered under base plan up to ₹10 lakh in health shield, health shield plus, health elite & health elite plus.

Key highlights of ICICI Lombard Complete Health Insurance plan

• ICICI Lombard Complete Health Insurance plan is available with several features allowing policyholders to get comprehensive coverage
• The plan offers coverage for Covid-19 hospitalization expenses with 15 days waiting period 
• It provides a family floater option for policyholders to include children, parents, and others under a single policy 
• Policyholders can get a 10% of the additional sum insured on each renewal and a maximum of up to 50% 
• The policy involves no co-payment option 
• Medical tests are not necessary for those who are below 46 years old for a sum insured up to 10 lakhs
• Cashless treatments in listed hospitals 
• Policyholders can choose a claim protector option to get claims for non-payable items included in the IRDAI list
• 50 % bonus for every claim-free year which is subject to a maximum of 100% bonus for sum insured up to 10 lakhs under no claim bonus feature
• 200 % bonus for sum insured up to 15lakhs and more under no claim bonus feature
• Unlimited reset benefit for policyholders when the coverage is inadequate for subsequent claims 
• Policyholders can increase their sum insured amounts during renewal based on medical inflation every year 
• Organ donor expenses when policyholders undergo a transplantation surgery
• Coverage for pre-existing diseases with a waiting period of 2 years 
• No capping on room rent 
• Tax benefits for policyholders 
• Ambulance charges of Rs.1500 for one-day hospitalization 
• Maternity benefit and newborn baby coverage with a waiting period of 3 years 
• Lifelong renewability 
• The plan offers compassionate visit coverage for up to a certain amount 
• Policyholders can reimburse outpatient department (OPD) expenses under this plan 
• Cancellation facility with 15 days written notice period and the company will pay the amounts for unpaid premiums 
• Convalescence benefit for policyholders 

Inclusions in ICICI Lombard Complete Health Insurance plan

• Hospital expenses: ICICI Lombard Complete Health Insurance plan provides coverage for all hospital expenses such as room rent, intensive care unit (ICU) charges, doctor’s fees, surgeon’s fees, operation theatre charges, oxygen, blood, anesthesia, etc. 
• Pre-hospitalization and post-hospitalization: The plan offers coverage for pre-hospitalization and post-hospitalization with a waiting period of 30 days and 60 days 
• AYUSH coverage: AYUSH coverage for policyholders to pick alternative treatments such as Ayurveda, Yoga, and Naturopathy, Unani, Siddha, and homeopathy 
• Critical illness coverage: The plan offers coverage for critical illnesses allowing a policyholder to manage all medical expenses 
• Nursing at home: ICICI Lombard Complete Health Insurance plan provides coverage of Rs.3000 for a maximum of up to 15 days under the recommendation of a doctor
• Personal accident cover: Customers can opt for a personal accident cover under this plan to get coverage for partial disability, permanent disability, and total disability caused by injuries 

Exclusions in ICICI Lombard Complete Health Insurance plan

• The plan doesn’t provide coverage for any illnesses diagnosed within 30 days of the starting date of insurance 
• Treatment expenses for hernia, cataracts, joint replacement, varicose veins, dialysis, etc.
• Coverage for cosmetic surgery 
• Self-inflicted injuries 
• Dental treatment 
• Sterility or infertility
• HIV/ AIDs
• Medical treatment for childbirth that involve complications and cesarean sections 
• Obesity-related expenses and treatment
• Expenses for the treatment of diabetes, hypertension, and cardiac problems within 90 days from the first policy date
• Expenses related to any unproven treatment