ICICI Lombard I Health Product Benefits

ICICI Lombard – I Health – Product Benefits


Policy Name ICICI Lombard – I Health
1. Hospitalisation Expenses More than 24hrs of Hospitalisation Expenses
Room Rent as actuals
ICU as actuals
2. Pre Hospitalisation 30 Days
3. Post Hospitalisation 60 Days
4. Road Ambulance Upto Rs 1500/ hospitalisation
5. Air Ambulance Not Covered
6. Day Care Procedures 140 Procedures
7. Out Patient Expenses Not Covered
8. Organ Donor Expenses: Upto Rs 50000 as add on cover
9. Recovery benefit: Yes, Rs 10000/-, add on optional
10. Physiotherapy Expenses: Not Covered
11. Sum Insured Reinstatement Benefit: Not Covered
12. Ayurvedic & Homeopathic treatment Hospitalisation Expenses Not Covered
13. Maternity Expenses
14. New Born Baby Cover
15. Preventive Health Check Up Annual, for Floater policies max 2 members
Add on Covers
Ancillary Expenses Benefit as add on, Rs. 500/ Rs. 1000 and Rs. 2000 per day
Personal Accident Benefit Not Covered
Critical Illness Benefit Optional, 9 illness
UW Guidelines
SI 1/2/3/4/5/7/10lacs
Age group 6 yrs for individual,3 mnths to 5 yrs in flaoter, 18yrs for Proposer, No max Entry age
Dependent Children covered upto Not mentioned
Cumulative Bonus 10% for each claim free year, Max 50%
Waiting periods
Initial waiting Period 30 Days for Hospitalisation, 90 Days for Critical Illness
For Listed illness 24months
Pre Existing Diseases 48months for SI 1 and 2lacs, for rest 24months
Family Discount No
Add on Cover Discount No
Claim Free Renewal Discount No
Other Discounts if any 10% for 2yrs policy period