ICICI Lombard Health Protect Insurance

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Policy wordings
Exclusions

Benefits

 In-patient Treatment: Covers hospital expenses for admission longer than 24 hours.

 Day Care Procedure: Medical expenses for day care procedures where such procedures are undertaken by an Insured Person as an In-patient in a hospital for continuous period of less than 24 hours.

 Pre and Post Hospitalisation Expenses: Medical Expenses incurred due to illness up to 30 days period immediately before and 60 days immediately after an Insured Person's admission to a hospital.

 Domestic Road Emergency Ambulance Cover: Ambulance expenses incurred to transfer the Insured Person following an emergency to the nearest hospital. Maximum amount payable is Rs 1500 per event of emergency hospitalisation.

 Outpatient Treatment Cover: Medical expenses incurred as an Out-patient. Out-patient will mean the insured patient who is not hospitalized for more than 24 consecutive hours but who visits a Hospital, clinic, or associated facility for diagnosis or treatment..

 Hospital Daily Cash: of Rs. 1,000 per day for hospital stay of minimum 3 days or more up to a maximum of 10 days.

 Wellness & Preventive Healthcare: Expense incurred on routine health check-ups and for other wellness and fitness activities undertaken by Insured person

 Convalescence Benefit: of Rs. 10,000 provided once for each Policy year during policy period, in case of hospitalisation of 10 days or more.

Coverage

Coverage Details:
  • Hospitalization Cover (Family): 3/4/5Lakhs
  • Domestic Road Emergency Ambulance:Upto Rs. 1,500 per Incident

Add on benefit:
  • Hospital Daily Cash: Rs 500 per day per insured.
  • Convalescence: Rs 10,000 per insured.


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