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Top Features From ICICI Lombard Health Plans

  1. Complete Coverage for Hospitalisation: ICICI Lombard Health Insurance Plans offer comprehensive coverage to the insured,including for pre- and post-hospitalisation expenses.
  2. Cashless Hospitalisation: Policyholders can avail of cashless hospitalisation benefits under ICICI Lombard Health Insurance.In case of any medical emergency and the need for urgent hospitalisation,you can opt for treatment at one of our several network hospitals, completely cashless.
  3. Top-Up Plans: A top-up plan offers extra coverage for any additional payment that you may need to incur over and above your existing health insurance plan by ICICI Lombard.
  4. Critical Illnesses: ICICI Lombard provides health insurance coverage for all critical and life-threatening diseases that generally require longer and costlier treatment.
  5. Pre-existing Diseases: Coverage for pre-existing diseases is also provided; however, it is subject to the survival and waiting period under ICICI Lombard Health Insurance policy.

Exclusions Across ICICI Lombard Health Plans

  1. Pre-existing Health Conditions: Pre-existing diseases such as asthma, cardiac conditions, diabetes, and hypertension will not be covered before 24-48 months of continuous coverage.
  2. Intentional Self-Injury: Suicide attempts or injuries owing to illegal acts are not covered.
  3. Lifestyle Conditions: Illnesses owing to poor lifestyle habits such as tobacco chewing, smoking, alcohol, drugs, and more will be excluded from coverage under ICICI Lombard Health Insurance.
  4. Maternity Complications: Any problems or complexities arising during pregnancy, abortion, childbirth, or miscarriage are excluded from health insurance.
  5. War or Nuclear Injuries: Harm caused by war injuries or those suffered during nuclear attacks, exposure to harmful radiations, biological, or chemical warfare are not covered.
  6. Dental/Eye Treatments: These are generally not covered under health insurance coverage by ICICI Lombard.
  7. HIV/AIDS: Treatment for these conditions is excluded from the health plans.
  8. Alternative Treatments: Therapies such as Naturopathy, Ayurveda, and Homeopathy are not covered.
  9. Cosmetic Surgery: Specific cosmetic treatments for the improvement or enhancement of a body part do not fall under medical insurance coverage of ICICI Lombard Health Insurance.

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FAQs

Permanent partial disablement includes loss of one hand, loss of one foot, loss of sight in one eye, loss of hearing in one or both ears, loss of fingers and thumbs of hands and/or feet, loss of individual fingers or toes, etc.

Yes, ICICI Lombard health insurance plans allow coverage for senior citizens too. Both health insurance plans offered by the company, Complete Health Insurance and Health Booster, have no maximum entry age making them suitable for individuals of all ages.

You would need to submit your identity proof, age proof, residence proof and photographs with the application form to buy the policy.

Free health check-ups provided under ICICI Lombard health insurance plans are allowed only for adult members. Under both health insurance plans, free health check-ups are allowed for up to two insured members only.

Yes, your health card would be mandatory if you want to make a cashless claim. Health cards contain your policy details and unique identification number. They allow the hospitals to identify the insured members so that cashless treatments can be provided. So, if you are taking treatments at a networked hospital, carry your health card with you for claim purposes.
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