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 |
| Discounts | |
| Family Discount | No |
| Add on Cover Discount | No |
| Claim Free Renewal Discount | No |
| Other Discounts if any | 10% for 2yrs policy period |