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At ICICI Lombard, we believe that health insurance is not just a matter of saving tax or getting the protection you need. It can be so much more. It’s about partnering with you to find precisely what works for you based on your needs and then going the extra mile to deliver more than what we promise. We go about finding a policy that truly caters to your needs, based on multiple factors, some of which can be customised as per your needs. Once selected, a single policy will provide a health cover that fits you and your family like a glove.Read More
With countless features and benefits, we’re redefining the way you stay protected Your health insurance cover just gets bigger with Health Booster. A super top-up Health Insurance cover takes care of excess payment that may arise due to inadequate cover from your existing Health insurance policy. What’s more, even if you don’t have any existing Health Insurance policy, you can still opt for super top-up cover and get the sum insured beyond the deductible chosen.Read Less
Choice of Sum Insured between 5 Lakhs to 50 Lakhs
3, 4 or 5 lakhs to choose from
No bar on maximum entry age. Policy offers lifelong renewal
Option to choose multiyear (1, 2 or 3 year) policy period.
Avail cashless hospitalisation at any of our 6500+ network hospitals#
No medical tests needed below the age of 56 years and Sum Insured up to 20 Lakhs.
For paper based transactions
1Tax deductions under Section 80D is as per applicable provision of the Act (including any amendments thereto) and are subject to changes in the tax laws.
2Factors determining the renewal premium are (i) age slab of the senior most insured member at the time of renewal (ii) any change in the renewing policy.
3Only when it has been undergone in an AYUSH hospital or in AYUSH Day Care Center on Re - imbursement basis.
6This cover can be availed only once during your lifetime. Once a claim becomes payable under this cover, no benefit will be provided under the same thereafter.
7Critical Illness and Personal Accident available only for adults, subject to maximum of 2 Adults only up to 60 years of age.
8Disclaimer: Cashless approval is subject to pre-authorisation by the company. Only expenses relating to hospitalisation will be reimbursed as per the policy coverage. Non-medical expenses will not be reimbursed.
10Following is an indicative list of the policy exclusions. Please refer to the policy clause for the complete list. #as on 31st July 2020Read More
IDFC FIRST Bank Limited ("Bank") with registered office at KRM Tower, 8th Floor, No.1, Harrington Road, Chetpet, Chennai- 600031 is licensed as a corporate agent of ICICI Lombard General Insurance Company Limited under license no.CA0106 issued by Insurance Regulatory & Development Authority of India and does not underwrite the risk or acts as an insurer. This policy is issued to you by ICICI Lombard and is subject to the terms and conditions governing such policy. The contract of insurance is between ICICI Lombard and the insured only, and not between IDFC FIRST Bank and the insured. Bank’s customer participation in the policy is entirely voluntary.
This is only an indication of the cover offered. For complete details on risk factors, terms, conditions, coverages and exclusions, please read the sales brochure carefully before concluding a sale. ICICI trade logo displayed above belongs to ICICI Bank and is used by ICICI Lombard GIC Ltd. under license and Lombard logo belongs to ICICI Lombard GIC Ltd. ICICI Lombard General Insurance Company Limited, ICICI Lombard House, 414, Veer Savarkar Marg, Prabhadevi, Mumbai – 400025. . IRDA Reg.No.115. Toll Free 1800 2666. Fax No – 022 61961323. CIN (L67200MH2000PLC129408). firstname.lastname@example.org. www.icicilombard.com. Health Booster. Misc 140. UIN ICIHLIP22100V032122Read Less
The duration only after which a claim can be made is called the waiting period.
Policy Period is the period for which the policy is valid.
Co-Payment is a cost-sharing requirement under a health insurance Policy that provides that the policyholder/ insured will bear a specified percentage of the admissible claim amount. A co-payment does not reduce the Sum Insured.
Immediate Relative would mean the insured's spouse, dependent children & dependent parents
The disease under Permanent Exclusions will not be covered in the Health Insurance plan.
Individual plan has to be separate for every individual. Floater covers all in family ( max 2 Adults and 3 Children) and provides one sum insured to all, hence, there is saving of premium
If the number of adults or number of children are more than 2+3, you need to buy an additional policy for the additional members. There can be a maximum of 2 adults and 3 children in a policy
In a floater option, a single policy under one Sum Insured covers all in the family.
For e.g., 2 adults, 2 adults and 1 child, 1 adult and 2 children, 2 adults and 3 children, 1 adult and 2 children, 1 adult and 1 child. The Sum Insured can be used by anyone in the family or all covered in the policy multiple times till the time the limit is exhausted.
An individual between 3 months - 20 years, come under the category 'children'.
Annual sum insured denotes maximum amount of cover available during each policy year of the policy period. It includes your base sum insured and additional sum insured.
The age eligibility for taking the policy is the entry age and the age after which you cannot take or renew the policy is the exit age.
Minimum entry age is 6 years for individual plan and 3 months for floater plan. There is no maximum exit age for this policy.
For a first-time policy, the policy start date and date of joining are the same. Only at the time of renewal, will the policy start date and date of joining differ. Date of joining is the date of inception of the first policy with us while the policy start date is the date from which your renewed policy starts. For fresh policy, policy start date will be the cheque date or documents inward date, whichever is later. For a renewed policy, policy start date will be the cheque date or documents inward date or renewal date whichever is later.
Mandatory covers come inbuilt in the plan and you do not have the option to exclude them from the plan. Optional covers come as add-ons in the plan and you have the option to include them in the plan by paying additional premium.
Medical underwriting is required for any insured member who is more than 45 years of age or has sum insured more than ₹10 lakhs or both. The medical tests can be conducted at any designated centres identified by ICICI Lombard.
The premium you pay for yourself, your spouse, your dependent children and dependent parents, up to the limit of Rs. 25,000 (Rs. 50,000 for those aged 60 years or more), excluding service tax and education cess, is eligible for deduction under section 80D of Income tax Act and amendments made thereto. This deduction is eligible under the prevailing tax laws, which are subject to change as per change in tax laws.
No, the claim amount you receive under your health policy is not subject to tax.
Pre-existing Disease means any condition, ailment or injury or related condition(s) for which You had signs or symptoms, and/ or were diagnosed, and/ or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer.