Complete Health Insurance

What is ICICI Lombard Complete Health Insurance policy?
ICICI Lombard Complete Health Insurance policy secures your finances against sudden medical expenses. It is a comprehensive policy for you and your family, designed to cater to most of your common healthcare needs. It comes with an option to include your family under one policy called the family floater option. You can choose coverage for your family health insurance as per your medical needs such as maternity cover, OPD cover, critical illness cover, donor expenses cover, etc. Some of its noteworthy features include no limit on hospital room rent, no co-pay, no pre-medical check-up up to 45 years of age and 2 complimentary health check-up coupons every year for a family floater health insurance policy. As a result, it is one of the preferred health insurance policies in India.

Why should you buy a health insurance policy for yourself and your family?

1.Medical costs are skyrocketing
They are high today and will be higher in the near future. A family
floater health insurance is a smart way to safeguard your savings
during a medical emergency.


2.Employer provided health policy is not enough
A health cover provided by your corporate firm or employer ceases to
cover you once you switch the job. Furthermore, you cannot choose
coverage or benefits as per your needs. Besides, the sum insured of
corporate health plan...


3.Lifestyle diseases are on the rise
An unhealthy way of life and work stress have made even the younger
generation prone to lifestyle diseases. Thus, the need to have a family
health insurance is undisputable even if you are young. The onset of a
chronic co...


4.You can save some on family health insurance premium
By sharing your sum insured, you can smartly insure your entire
family under one health plan. This will help in bringing down your
health insurance premium significantly. You also do away with the
hassle of managing multiple policies and their renewals.


5.Family's healthcare needs get covered in one go
Occasionally you end up bearing out of pocket expenses for your
family's health check-up, viral flu, seasonal sickness and illnesses.
These costs put together can weigh heavy on your pocket, and a
family floater health insurance with OPD cover will help you avoid just
that. You can choose the OPD cover by paying an additional premium
and reduce your out of pocket expenses.


6.You get tax benefit on health insurance premium
As per Section 80D of the Income Tax Act, you can avail tax benefit on
the health insurance premium. Thus, a health policy not only saves
you from breaking the bank during a medical emergency but also
helps you to save in taxes.



What are the top reasons to buy ICICI Lombard Complete Health Insurance plan?
Here are the top 6 health insurance benefits that you reap with us.

COVID-19 hospitalization is covered
Our health plan covers hospitalization expenses on account of COVID-19. We understand that currently the preferred health plan is the one that secures your family against the pandemic. So, if you get our health insurance for parents or family, you and ...

No co-payment required
A health plan with a co-pay clause needs you to bear some part of the covered hospitalization expenses as well at the time of claim. However, with our individual and family health insurance, there is no co-pay applicable. We will cover the entire amount..

Pre-existing diseases are covered
One reason why our policy is one of the preferred health policies, is that it covers pre-existing diseases immediately after 2 years from the policy start date if you choose a plan with sum insured 3 lakh and above.


You can avail unlimited reset benefit
If the balance sum insured under your family health plan is inadequate for subsequent claims by you or your family member we will reset it up to 100% of your base sum insured. Thus, you l have us by your side protecting your savings through the rest o...

No capping on room rent
We know you wouldn't want to compromise when it comes to your recovery. Hence, our family insurance covers the charges even for a private ward. So if you need your privacy for a speedy recovery, our family floater health policy will have you covered.

You can enjoy additional sum insured
We reward you if you have made no claims in the previous policy year with us. The sum insured of your medical insurance policy for family is increased by 10% for every claim-free year up to a maximum of 50%. In case of a claim, the same will be reduced by 10%. Your benefits under the base plan remain unchanged.

Why should you buy health policy online from ICICI Lombard?
It is a fuss-free way to secure yourself with one of the leading health insurance policies.
We know that your busy schedule may leave you with very little time to find a reliable health policy for family. So, digital can become your go-to solution for choosing one of the preferred health policies in India.

We have hence put together a super easy and customizable online experience. It can help you zero down on a health insurance policy for family from the comfort of your home. You can select, edit the number of family members you wish to cover under the family health plan. You can also have your pick from our smart set of add-on covers basis your healthcare needs.

That's not all. We let you claim digitally under your family medical insurance with us on our IL Take Care mobile app. You also get to save 10% on your health insurance premium when you buy ICICI Lombard Complete Health Insurance policy for 2 years' tenure.

What is covered by ICICI Lombard Complete Health Insurance policy

Inclusions Exclusions

Hospitalization
Medical expenses incurred during hospitalization for more than 24 hours, including room charges, doctor/surgeon's fee, medicine bills, etc.

Pre and post hospitalization
Medical expenses incurred 30 days prior and 60 days post hospitalization, provided we have accepted the in-patient claim.

Day care treatments
The expenses for advanced, technological medical surgeries and procedures requiring less than 24 hours of hospitalization (including dialysis, radiotherapy and chemotherapy).

AYUSH treatment
Expenses for in-patient treatment under Ayurveda, Unani, Siddha and Homeopathy (AYUSH) treatment only when it has been undergone in a government hospital or any institute recognized by the government and/or accredited by Quality Council of India/National Accreditation Board on Health.

Wellness program
Redemption of wellness points earned due to healthy behavior through various wellness and fitness activities. You can redeem the wellness points on OPD bills for doctor's consultation, medicine and drugs, diagnostic expenses, dental expenses, etc.

Super no claim bonus**
50% extra sum insured awarded to you over your base sum insured for every claim-free year. In case of a claim, the extra sum insured earned will be reduced by 50%.

Claim protector**
Coverage for items that are not otherwise payable by us under your claim. You can avail this if your in-patient hospitalization claim has been accepted.

Additional sum insured protector*
No effect on the additional sum insured that you have earned over the years if you happen to make claims that are up to 50,000 in the previous policy year.

Reset benefit
Facility to restore your balance sum insured up to 100% of the base sum insured once in a policy year in case the sum insured, including accrued additional sum insured (if any), is insufficient as a result of previous claims in that policy year. This benefit can be availed for a different illness or the same illness but by a different insured.

Cashless hospitalization
Cashless hospitalization facility at any of our network providers or hospitals. You can view the updated list of these hospitals and providers here.

Pre-existing diseases
Pre-existing diseases declared at the time of proposal and accepted by us will be covered immediately after 2 years waiting period for a sum insured of 3 lakh and above.

Pre-policy medical check-up
No medical tests will be required for health cover below the age of 46 years and sum insured up to 10 lakh.
Emergency ambulance

Reimbursement of up to 1500 per hospitalization for reasonable expenses incurred on availing an ambulance service offered by a hospital or ambulance service provider in an emergency condition.
Free health check-up

A complimentary health check-up coupon to each insured for every policy year, and 2 coupons per year for floater policies.
Domiciliary hospitalization*

This should either be because of the unavailability of beds at a hospital or the inability to move the insured to a hospital.

Air ambulance cover*
Air ambulance expenses to transfer you to the nearest hospital for emergency care.

Worldwide cover**
Medical expenses incurred abroad for hospitalization and day care procedures.

Donor expenses*
Reimbursement of medical expenses for organ donor up to 10 lakh (as per plans opted). This benefit is provided only if the hospitalization claim for organ donation surgery is accepted.

Emergency services*
Road ambulance expenses for emergency care, telephonic or virtual consultations with a medical practitioner for routine health issues. You can receive the consultation via audio, video, online portal, chat or mobile app. This service is available 24 hours a day, 365 days a year.
Unlimited reset benefit*

Facility to restore your balance sum insured up to 100% of the base sum insured unlimited times in a policy year. To avail this, the sum insured, including accrued additional sum insured (if any), should be insufficient as a result of previous claims in that policy year. This benefit can be availed for a different illness or the same illness but by a different insured.

Lifelong renewability
Provision to renew the health policy every year without any restriction on age.

Floater benefit
Floater cover to get family (self, spouse, dependent parents, dependent children, brothers and sisters) covered for the same sum insured under a single policy by paying one premium amount. Any individual above 3 months of age and up to 6 years can be covered under the family insurance plan provided 1 adult is also covered under the same policy.

Free look period
You can cancel the policy by giving written notice within 15 days of receiving the policy.

Additional sum insured
Up to 10% sum insured rewarded to you over and above your existing sum insured for every claim-free year. The maximum additional sum insured that you can earn in total is 50%. In case of a claim under the policy, the accumulated additional sum insured will be reduced by 10% in the following year.

ICICI Lombard Complete Health Insurance plan add-on benefits
[/B]Hospital daily cash allowance & convalescence benefit[/B]
While our family floater health insurance policy has your back for the larger expenses incurred during hospitalization, our hospital daily cash allowance and convalescence benefit add-ons take care of your smaller yet significant out of pocket expenses...

Donor expenses & critical illness cover
In your attempt to put together a reliable family health insurance plan, you should not leave out essential add-ons like donor expenses and critical illness cover. The donor expenses add-on reimburses medical expenses for organ donor up to 50,000, inc...

Outpatient treatment, wellness cover, maternity benefit & new born baby cover
Our cashless health policy for family has your back for medical costs incurred before, after and during hospitalization. Moreover, our outpatient treatment cover will help you avoid any out-of-pocket expenses like doctor consultation fees, prescribed m...


Nursing at home & compassionate visit cover
If you need nursing care at home for your recovery, we'll provide up to 3,000 per day for maximum 15 days. This way, you can avoid an unnecessary hospital stay. You can also benefit from this add-on if you are a senior citizen who may need post hospitalization nursing care at home.
The compassionate visit cover will come handy if your hospitalization extends beyond 5 days. We will cover an economy class air ticket up to 20,000 for your spouse or children or parent to be able to visit you

How can I check my eligibility for ICICI Lombard Complete Health Insurance policy?
# If you are above 18 years of age, you can buy the Complete Health
Insurance policy for yourself and your family members, 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, and in case you are
buying an individual health plan for your child, he or she should be
more than 6 years of age.
# A health policy purchased to cover children aged between 3 months to 5
years should necessarily cover at least one adult too.
# Children have to be more than 91 days old to be eligible for the health
cover.
# If you are buying the health plan for an individual who is more than 46
years of age, they will need to undergo a medical test at our designated
diagnostic centers.