ICICI Lombard Health Care Plus Plan

What is the Plan all About?

ICICI Lombard Health Care Plus policy helps take care of excess payment after exhaustion of existing health cover in a health claim. Even, if you don’t have any health cover, you can also buy it and get cover up to the Sum Insured available.

Key Features

Get individual cover for each member of the family
Flexible Sum Insured and Deductibles
No sub-limits & No co-payment
No pre-policy medical check-up up to 55 years of age
Free health check-up for one insured member at policy renewal
Enjoy lifetime renewability

Policy Benefits

In-patient hospitalization expenses, including Room Rent, Boarding, Nursing Expenses, and other medical expenses are covered. This benefit is applicable upon hospitalization for a minimum period of 24 hours.
This plan also covers Doctor’s/ Surgeons Fees, Medicines and surgical supplies, & Diagnostic Tests (Blood and radiological).

Value Added Benefits

Enhancement of sum insured at the time of policy renewal, subject to underwriter’s approval.
Free health check-up for any one insured member at the time of policy renewal.
Lifetime Renewability
Tax Benefit under section 80D of Income Tax Act, 1961.

Sub Limits

No Sub Limits on room rent, hospitalization expenses, diagnostic tests/ doctors fees, etc.
No Co payment.

Waiting Period Clause

Initial Waiting Period: Claims arising during first 30 days of the policy start date, except accidental claims.
Specific Waiting Period: Some treatments such as Cataract, Hysterectomy, Hernia, Hydrocele, Arthritis, Joint replacements, etc. are covered after 2 years from the inception date of the policy.
Pre existing Disease Waiting Period: Any pre-existing disease until 4 years of continuous policy coverage, from date of inception of the first policy.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	5 Years	65 Years
Deductible	2 Lacs	4 Lacs
Sum Assured	5 Lacs	10 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	2 Years
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Nil	-