EVERYTHING ABOUT ICICI LOMBARD COMPLETE HEALTH INSURANCE POLICY

Introduction

When it comes to securing your finances against any sudden medical expenses the ICICI Lombard Complete Health Insurance policy comes to the rescue. It is a comprehensive policy that covers you and your family-under family floater option for any healthcare needs. There are other options like maternity cover, critical illness or even donor expenses cover. The most prominent features that the ICICI Lombard Complete Health Insurance policy offers are the hospital room rent, no co-pay, no pre-medical check-up and complimentary health check-up every year for a family floater health insurance policy. Thus, ICICI Lombard Complete Health Insurance policy is considered one of the most preferred health insurance policies in India.

 

Need for ICICI Lombard Complete Health Insurance policy

As everyone knows health insurance is a necessity in today’s time, why choose ICICI Lombard Complete Health Insurance policy only. Let’s take a look at some distinct facets of ICICI Lombard Complete Health Insurance policy that attracts us to it.

 

 

 

Top reasons to purchase ICICI Lombard Complete Health Insurance policy include;

 

• Pre-existing diseases are covered under the policy
• Hospitalisation for COVID-19 also comes under the policy
• The cashless claims are fast and convenient
• Co-payment is not required
• There is no capping on room rent
• There is option of unlimited reset benefit
• You can reap benefit of additional sum insured
• It is a hassle-free to secure yourself
• It gives super easy and customizable online experience
• It carries notable tax benefit
• There is maximum renewal age advantage
• It offers high flexibility in sum-insured
• The claim settlement process is smooth and trouble-free

 

Inclusions & Exclusions under ICICI Lombard Complete Health Insurance policy

 

Inclusions:

• Pre and post hospitalisation
• Day care treatments
• AYUSH treatment and Wellness program
• Super no claim bonus
• Claim protector
• Complete hospitalisation cover
• Additional sum insured protector
• Emergency ambulance provision
• Free health check-up
• Domiciliary hospitalisation
• Air ambulance cover
• Worldwide cover
• Donor expenses cover
• Emergency services cover
• Unlimited reset benefit

 

Exclusions:

• Complications related to pregnancy and childbirth
• Cosmetic, aesthetic and obesity treatment
• Situation of war, civil war or breach of law
• Treatment of naturopathy, acupressure, acupuncture, magnetic and such therapies
• Any treatment taken outside the country
• Any costs arising out of domiciliary treatment
• Any illness contracted within a month from the start date of policy

 

Exclusions valid for the first two years of the policy which post two years get included in the cover involve;

• Treatment of Cataract
• Benign prostatic hypertrophy
• Myomectomy & hysterectomy
• All types of hernia and hydrocele
• Joint replacement, unless due to accident
• Sinusitis, stone in the urinary and biliary systems
• Dilatation and curettage, endometriosis
• All types of tumours, cysts, nodules, polyps of any kind, including breast lumps
• Chronic renal failure dialysis
• Surgery on tonsils and adenoids
• Gastric and duodenal erosions or ulcers
• Deviated nasal septum
• Varicose veins and ulcers
• All types of internal congenital anomalies or defects

 

Add-on benefits under ICICI Lombard Complete Health Insurance policy

ICICI Lombard Complete Health Insurance policy has also got the benefit of robust Add-ons that aid to support your insurance broadly and deeply. Apart from the general Add-ons provided on a health insurance policy, ICICI Lombard Complete Health Insurance policy offers some distinctive options as well. Some of the unique Add-ons that come under ICICI Lombard Complete Health Insurance policy include;

• Hospital daily cash allowance
• Convalescence benefit
• Donor expenses cover
• Critical illness cover
• Outpatient treatment
• Wellness cover
• Maternity benefit
• New born baby cover
• Nursing at home
• Compassionate visit cover

 

ICICI Lombard Complete Health Insurance policy eligibility

For ICICI Lombard Complete Health Insurance policy you are eligible if you meet the below criteria;

If you are above 18 years of age, you can buy the all-inclusivehealth insurance policy for yourself and your family members, namely your children and parents.If you want your child to be covered under the family insurance plans, your child should be more than 3 months of age.In case you are buying an individual health plan for your child, the child’s age should be more than 6 years.If you purchase a health policy to cover children aged between 3 months to 5 years, it should necessarily cover at least one adult too. Note, the children have to be more than 91 days old to be eligible for a health cover.If you are buying the health planof age more than 46 years, then there will be a medical test at the designated diagnostic centres.

 

Conclusion

The ICICI Lombard Complete Health Insurance policy is one of the best health insurance plans in India designed to cover for emergency or planned hospitalisation for individuals as well as families.The policy offers extensive coverage of up to rupeesten lakh for anyone above 18 years of age. There is no medical check-up needed until age 46 years. The plan can be purchased for one or two years as well. In this plan cashless claim settlement is as fast as almost 4 hours only. This plan also assists policyholders to avail the medical services timely, without going through any stress about the expenses with a large network hospitals of 3600+ hospitals. You can also avail income tax benefits under Section 80D, on health policies bought for self, spouse, parents and dependent children.

 

FAQs – Frequently asked questions.

Let's take a look at some frequent queries on ICICI Lombard Complete Health Insurance policy;

 

Q1. Is there a maximum age to purchase ICICI Lombard Complete Health Insurance policy?

Ans. No, there is no age limit to buy ICICI Lombard Complete Health Insurance policy.

Q2. Does this plan offer critical illness cover?

Ans. Yes, you can opt for critical illness cover under the ICICI Lombard Complete Health Insurance policy. It covers for specified critical illnesses and medical procedures like cancer of specified severity, open chest CABG, first heart attack of specified severity, stroke resulting in permanent symptoms, kidney failure or permanent paralysis of limbs.

 

Q3. Does investing in this policy bring any tax benefit?

Ans. Yes, if the payment of premium for the ICICI Lombard Complete Health Insurance policy is done by any mode other than cash, it gets eligible for relief under Section 80D of the Income Tax Act 1961.

 

Q4. Does the ICICI Lombard Complete Health Insurance policy provide any special cover?

Ans. Yes, ICICI Lombard Complete Health Insurance policy provides unique cover for wellness, preventive healthcare, critical illness and maternity with new born baby cover.

 

Q5. Is there an eligibility age for buying ICICI Lombard Complete Health Insurance policy?

Ans. If you are above 18 years of age, you can buy the ICICI Lombard Complete Health Insurance policy for yourself and family members, children and parents.

 

Q6. Is there a reset benefit under ICICI Lombard Complete Health Insurance policy, if so, how does it work?

Ans. Yes, there is a reset benefit under ICICI Lombard Complete Health Insurance policy.The benefit offers option to reset up to 100% of the sum assured once in a policy year if the sum assured in that policy year has expired. This reset amount can be used for all future claims within that same policy year but cannot be carried forward and it is not related to any illnessfor which a claim has been paid in the particular policy year. The reset is available on individual basis and for family floater as well.

Q7. Is there a waiting period for pre-existing disease coverage under the ICICI Lombard Complete Health Insurance policy?

Ans. Yes, pre-existing diseases are only covered after two years of continuous coverage under the ICICI Lombard Complete Health Insurance policy.