ICICI Lombard Health Insurance Review – Forbes Advisor INDIA

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ICICI Lombard Complete Health Insurance Policy

The ICICI Lombard complete medical health insurance policy is a comprehensive policy for a person and for family where the policyholder can go for complete coverage for the family as per their medical needs.

Key Features:

  • No limit on hospital room rent.
  • Sum insured ranges from INR 1 lakh to 10 lakh.
  • No co-pay and no pre-medical check-up for policyholders till the age of 45.
  • Two complimentary health check-up coupons every 12 months for a family floater medical health insurance policy.
  • Covers pre-existing diseases just after two years from the policy start date if one chooses a plan with sum insured INR 3 lakh or above.
  • Free-look period of 15 days.
  • Add-on features like hospital each day money allowance and convalescence profit.
  • Includes Befit rider: This rider provides additional coverage of the outpatient department (OPD). requirements on a cashless basis. It covers your costs related to physical and virtual consultation by doctors. It also covers expenses like pharmacy, minor procedures, routine diagnostics and wellness therapies.

ICICI Lombard Complete Health Policy Covers

The ICICI Lombard complete health policy has introduced 4 optional riders under its plan- iHealth, iHealth plus Health shield and Health elite. Let’s have a have a look at each considered one of them and understand what all is roofed for the policyholders in each plan. Let’s take a look on the table below to know the features of iHealth plus plan:

iHealth

The ICICI Lombard iHealth is a comprehensive medical health insurance plan that gives health cover together with additional covers like hospital each day money, critical illness and donor expenses. This plan also provides a top-up option to reinforce sum insured.

Key Features:

  • The sum insured amount ranges from INR 2 lakh to INR 50 lakh.
  • Includes the coverage of in-patient treatment advantages which covers hospital expenses for admission longer than sooner or later.
  • Coverage of medical expenses incurred as much as a 30-day period immediately before and 60 days immediately after an insured admitted to hospital.
  • Insured can avail hospital each day money profit as per their sum insured amount; ranges from INR 500 to INR 3,000 per day.
  • Provides an choice to the insured to reset as much as 100% of the fundamental sum insured unlimited times in a policy 12 months. This profit is applicable to the sum insured amount, ranging from INR 3 lakh to INR 50 lakh.
  • Coverage of medical costs related to day care procedures which have been undertaken by an insured for a continuous period of lower than 24 hours.
  • Covers the medical costs related to any organ transplantation, if the organ donated is for insured individuals, subject to a maximum of two adults. Not Applicable on sum insured amount as much as INR 2 lakh. Coverage as much as INR 50,000 on a sum insured amount from INR 3 lakh to INR 50 lakh.
  • Critical illness cover offers coverage against critical illness like heart attack, cancer etc. The coverage is subjected to sum insured amount and goes as much as coverage of 100% of policy sum insured.

iHealth Plus

The ICICI Lombard iHealth Plus policy offers advantages corresponding to day care procedures, pre- and post-hospitalization costs, no capping on room rent and extensive coverage for doctor’s expenses and medical bills. Let’s take a look on the features of iHealth plus plan:

Key Features:

  • The sum insured amount ranges from INR 2 lakh to INR 10 lakh.
  • Includes the good thing about in-patient treatment which covers the hospital expenses for admission longer than sooner or later.
  • Coverage of medical expenses incurred as much as a 30-day period immediately before and 60 days immediately after an insured admitted to hospital.
  • Insured can avail hospital each day money profit as per their sum insured amount; ranges from INR 500 to INR 3,000 per day.
  • Provides an choice to the insured to reset as much as 100% of the fundamental sum insured unlimited times in a policy 12 months. This profit is applicable to sum insured amount, ranging from INR 3 lakh and beyond.
  • Coverage of medical costs related to day care procedures which have been undertaken by an insured for a continuous period of lower than 24 hours.
  • Maternity Profit Cover:

Health Shield

The Health Shield plan by ICICI Lombard provides coverage options starting from INR 3 lakh to INR 50 lakh, depending upon the necessity of the policyholder. This plan has an elaborate list of coverages corresponding to in-patient treatment, donor expenses, maternity advantages, nursing cost and lots of more. Let’s take a look to grasp more intimately about every coverage of this plan:

Key Features:

  • The sum insured coverage ranges from INR 3 lakh to INR 50 lakh.
  • Includes the good thing about in-patient treatment which covers the hospital expenses for admission longer than sooner or later.
  • Coverage of medical expenses incurred as much as a 30-day period immediately before and 60 days immediately after an insured admitted to hospital.
  • Insured can avail hospital each day money profit as much as a maximum of 10 consecutive days if this hospitalization is for no less than three days.
  • Provides an choice to the insured to reset as much as 100% of the fundamental sum insured unlimited times in a policy 12 months. This profit is applicable to the sum insured amount, ranging from INR 3 lakh to INR 50 lakh.
  • Coverage of medical costs related to day care procedures, which have been undertaken by an insured for a continuous period of lower than 24 hours.
  • Convalescence Profit: If the insured is hospitalized for no less than 10 days or more, then this profit offers INR 10,000 once in a policy 12 months.
  • Critical illness cover offers coverage against critical illness like heart attacks, cancer amongst others. The coverage is subjected to the sum insured amount and goes as much as 100% of the policy sum insured.
  • Insured gets medical assistance from a certified nurse as much as a maximum of 15 days after hospitalization. For sum insured amount starting from INR 3 lakh to INR 5 lakh, the insured gets a coverage for INR 2,000 per day per member and if the coverage is beyond INR 5 lakh to INR 50 lakh, the insured gets a coverage for INR 3,000 per day per member.
  • Other advantages corresponding to wellness and unlimited reset advantages are also available.

Health Elite

The Health Elite plan offers a coverage of INR 3 lakh to INR 50 lakh together with the advantages like in-patient treatment, pre- and post-hospitalization, day care costs, maternity and newborn cover, donor expenses, amongst others. Here’s more concerning the advantages of this plan:

Key Features:

  • Sum Insured Coverage: Ranges from INR 3 lakh to INR 50 lakh.
  • Includes the good thing about in-patient treatment which covers the hospital expenses for admission longer than sooner or later.
  • Coverage of medical expenses incurred as much as a 30-day period immediately before and 60 days immediately after an insured admitted to the hospital.
  • Insured can avail hospital each day money profit as per their sum insured amount; ranges from INR 500 to INR 3,000 per day.
  • Coverage of medical costs related to day care procedures which have been undertaken by an insured for a continuous period of lower than 24 hours.
  • Other advantages corresponding to wellness and unlimited reset advantages are also available.
  • Maternity Profit Cover:

Eligibility For ICICI Lombard Complete Health Insurance Policy

  • If the subscriber is above 18-year old, she or he should purchase the entire medical health insurance policy as a person policy and in addition can go for the family floater plan.
  • If a policy is purchased to cover children aged between three months to 5 12 months, they need to have coverage for a minimum one adult.
  • For the health cover, children to be greater than 91 days old are eligible.
  • If a person is greater than 45-year old, he or she’s going to mandatorily should undergo a medical test.

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