ICICI Lombard Protect Plus Insurance

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.

Maternity Benefit: Medical expenses for the delivery of a child, where Insured Person and spouse, both are covered, after a waiting period of 3 years, subject to the following sub-limits: Normal Delivery Rs. 15,000 / Cesarean delivery Rs. 25,000.

New Born Baby Cover: New Born Baby will be covered under this policy for a maximum period of up to 91 days from date of birth, if a Maternity Benefit claim has been accepted, subject to the limit of Rs. 10,000.

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.

• Hospitalization Cover (Family): 3/4/5Lakhs
• Maternity Benefit (Normal+Cesarean Deliver/Pre-Post Natal(Rs. 2000 each)/ new Born Baby Cover upto Rs. 10,000 from day 1 to 91 days) Waiting Period for Maternity Benefit is 3 years: Normal Delivery upto Rs. 15,000, Cesarean Delivery upto Rs. 25,000
• OutPatient Treatment Cover + Wellness & Preventive Health Care: Rs. 5,000 (Floater)
• Domestic Road Emergency Ambulance: Upto Rs. 1,500 per Incident
• Hospital Daily Cash (for max. 10 days with 3 days deductible): Rs. 1000 per day per insured.
• Convalescence: Rs. 10,000 per insured (Flat)

Add on benefit:

• Critical Illness Cover: Rs 500 per day per insured.
• Donor Expenses: Rs 10,000 per insured.
• Personal Accident: Rs 10,000 per insured.

*Minimum age of 21 years & Maximum limit of 60 years.

Mandatory covers	Hospitalisation+In patient+Ayush+Domestic road emergency ambulance cover+2 years PED+Maternity+New born baby cover+OPD+HDC+Convalescence benefit+Reset benefit+Wellness program
Sum Insured	3,4,5 lakhs
Sub Limit(OPtional)	Not Available
Optional Add covers *	Critical illness+Donor Expenses+Personal Accident cover