ICICI Lombard Health Insurance Benefits: Plan Inclusions & Exclusions

Top Features From ICICI Lombard Health Plans

Covers complete OPD requirements:ICICI Lombard's Befit plan is tailored to cover the expenses of all your minor and severe health concerns, including teleconsultation with the doctor, pharmacy, and routine diagnostics on a cashless basis
Covers pre and post hospitalisation:One of the key benefits of a health insurance policy is that it covers your medical expenses incurred just before and after hospitalisation
Covers pre-existing diseases :A health plan covers you for a pre-existing disease once you have completed the waiting period mentioned in the policy certificate
Provides cashless treatment : At the time of hospitalisation, you don’t have to worry about arranging cash to pay your hospital bill. Your health insurance company will settle it directly with the hospital if it is in their network
Lets you claim tax benefit : You can claim a tax deduction on health insurance insurance premium under section 80D of the Income Tax Act, 1961
Provides additional sum insured : Keeping healthy has its own benefits. You can enjoy additional sum insured for every claim-free year as per the policy certificate of your health plan

Exclusions Across ICICI Lombard Health Plans

Diagnostic or pathological costs such as blood tests, scans, or other similar procedures, unless specifically covered under the policy or necessitated by the treatment
Any cosmetic or plastic surgery to change the appearance is excluded from our health insurance. However, we will cover the same surgery performed in the event of a burn, cancer, an accident, or any other essential medical condition
Treatment required as a result of engaging in any dangerous or adventurous activities is not covered under our health insurance policy
Drug, alcohol, or other toxic substance misuse, as well as any other addictive conditions and their repercussions
Medical expenses incurred due to an insured person committing or attempting to commit a criminal act or breach the law
Dietary or nutritional supplements and substances purchased without a recognised doctor's prescription are not covered under our health insurance
Medical expenses related to birth control, abortion, sterility and infertility
Dental procedures unless and until they arise due to an accident
Birth abnormalities, exterior congenital diseases, defects, or anomalies
Unproven treatments or costs associated with unproven treatments, supplies, or services.

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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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