ICICI Lombard Healthcare Plus Insurance

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Eligibility

  • Enrollment age for the members proposed for this insurance is from 5 years to 65 years.
  • Person should be aged 18 years or above.
  • If the person age is 56+ years, they have to undergo medical tests.

Benefits

  • No Sub-limits.
  • Pre-existing diseases can be covered after 4 continuous year of coverage.
  • No co-payment.
  • Free health check-up for any one insured member in the plan upon policy renewal.
  • Long term cover from 1 year to 2 years.
  • Policy becomes effective when the claim amount in single incidence / hospitalisation is beyond the deductible.
  • Income tax benefit.
  • Flexible Sum Insured.

Exclusions

  • Any illness/disease/injury existing before the inception of the policy for the first 4 years.
  • Non allopathic treatment pregnancy and childbirth related disease, cosmetic aesthetic and obesity realted treatment.
  • Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs as wekk as intentional self injury.
  • Any medical expenses incurred during the first 30 days of inception of the policy, except those arising out of accidents. This exclusion doesn't apply for subsequent renewals with company without a break.
  • War, riot, trike,nuclear weapons induced hospitalisation.

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