ICICI Lombard - Parent's Health Insurance

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ICICI Lombard - Parent's Health Insurance takes care of your family at a time when they need you the most. ICICI Lombard - Parent's Health Insurance You work hard abroad and give the best to your family back home. And, though they are far away, they are always in your thoughts. Their health and well being is your major concern. That’s why ICICI Lombard General Insurance has brought you Parents' Health Insurance - a comprehensive insurance policy for your loved ones. Parents' Health Insurance takes care of your family at a time when they need you the most.

• Premium shown in the table is for 2 years and includes service tax and TPA fee.
• Sum Insured shown in table is the amount of cover available per person per year.
• Air ticket reimbursement benefit in Plan 1 and 2 is Rs. 10,000 and Rs. 20,000 respectively.

ICICI Lombard - Parent's Health Insurance - Policy Coverage

• Hospitalization expenses including
  • Room charges
  • Diagnostic test(s) expenses
  • Doctor's / surgeon's fee
  • Cost of medicines
• Medical expenses incurred in the event of sudden illness or accident.
• Covers 30 days prior and 60 days post hospitalization expenses.
• Expenses on technologically advanced treatment which do not require hospitalization.

Coverage limit for specific ailments / conditions:

Key Benefits

• Pre-existing illnesses can be covered after the 4th year provided the policy is renewed with us for four consecutive years.
• Reimbursement of return airfare (Rs. 20,000 for Plan 2 and Rs. 10,000 for Plan 1) of the NRI (applicant) in case he is required to visit his dependent (insured) who has been hospitalised due to specified medical emergencies -Stroke, Heart Attack (MI), Coronary Artery Bypass, Graft Surgery, Kidney Failure, End-stage Renal Failure, End-stage Liver Disease and Brain Tumour Surgery.
• Nursing care benefit of Rs. 500 per day for a maximum of 3 days, in case the insured requires nursing care post discharge.
• Cashless claims facility at over 3,500 network hospitals across more than 135 cities.Click here for the list of network hospitals in your city in India.
• Every insured is provided a free health check-up post issuance of policy. For anyone above 55 years of age, cashless benefit will be activated as soon as the health check-up process is completed.
• Income tax benefit u/s 80 D for your income in India.
• Parents' Health Policy offers a 2-year cover for your dependents against a single premium, with automatic renewal after the first year.
• The policy can be renewed up to the age of 75 years.

The Comopany's obligation to make payment in respect of the following aliment(s)/surgery(s)/procedure(s) shall, subject always to limit of indemnity be as per the table below
Name of the Aliment/Surgery/Procedure Sub-limit (Rs.) Tonsilitis /Tonsillectomy 12000 Cataract (Each Operation) 16000 Tympanoplasty 18000 Fistula, Piles, Hydrocele, Sinusitis (FESS) 20000 Appendicitis, Hernia 25000 Benign Prostatic Hypertrophy (TURP), Hysterectomy 30000 Cholecystectomy, Lapchole 40000 Coronary Artery Disease /Ischemic Heart Disease requiring Angioplasty/PTCA 120000 Joint Replacement Surgery (Each Joint) 100000 Value added features Online claims status tracking facility We shall intimate you via E-mail and SMS when the Insured files a claim* We will call your dependants in India to explain the policy coverage and claims process Gift this policy to your loved ones along with a personalized message *E mail is sent to the ID entered while registering on our website. SMS is sent only to Indian mobile numbers. Eligibility Minimum age of the insured should be 3 months and maximum age should be 65 years (as on last birthday). Applicant can buy the policy for self, spouse, children and parents. The insured should be in India for the purpose of claim. The policy can be renewed up to the age of 75 years. Policy Exclusions Any disease / injury existing before the inception of policy as well as any congenital diseases. Non-allopathic treatment, pregnancy and childbirth related diseases, cosmetic, aesthetic and obesity related treatment. Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs as well as intentional self injury. War, riots, strike, terrorism acts, nuclear weapon induced treatment. Other exclusions for first 2 years: Cataract Benign Prostatic Hypertrophy Congenital Internal Diseases Fistula in Anus Piles Hysterectomy for Menorrhagisa or Fibromyoma Hernia Sinusitis and related disorders Insurance is the subject matter of the solicitation.