ICICI Lombard General Insurance Co. Ltd.
ICICI Lombard General Insurance Company Limited got the license to begin operations in India in August 2001. The company is a joint venture between ICICI Bank Limited and Lombard Canada Ltd., a group company of Fairfax Financial Holdings Limited.
ICICI Lombard General Insurance offers the usual general insurance products such as health insurance, home insurance, auto insurance, and travel insurance. Its products are meant for NRIs, Indian nationals as well as corporate organizations. ICICI Lombard offers the facility for both buying insurance as well as paying premiums online.
Health Care Plus Insurance
Healthcare Plus Policy from ICICI Lombard GIC Ltd provides the customer with an adequate and enhanced Sum Insured which comes at considerably lower premium and takes care of the medical expenses in case it goes beyond the coverage limit of the present cover or the individual's affordability limit.
The Company will indemnify, subject always to the Limit of Indemnity, the Insured against:
Any illness contracted within 30 days of the inception date of the Policy, except those that are incurred as a result of an accident. This clause is not applicable on the subsequent renewals
Hospitalization Expenses (without sub limits) covering all your
Bed Charges/ Room Rent
Drs/ Surgeons Fees
Medicines and surgical suppliest
Diagnostic Tests (Blood and radiological)
Pre-existing diseases after 4th consecutive renewal of the Health care plus policy with the company
Individual Cover for each member of the family
Flexible Sum Insured
Long term cover from 1 year to 2 years.
Entry Age: 5 years to 65 years and lifetime renewability
No sub-limits on room rent, hospitalisation expenses, diagnostic tests/ doctors fees, etc.
Exclusions valid for the first 30 Days:
Any expense incurred prior/ post Hospitalization
Pre-existing Diseases covered only after 4 consecutive renewals with the company
Expenses incurred on treatment of following diseases within the first 2 years from the commencement of the Policy, will not be payable:
Benign Prostatic Hyperplasia
Arthritis and related disorders
Stones Kidney and Gall bladder
Ulcer- Gastric, Peptic, Duodenal
D&C and hysterectomy unless for Malignancy
Tonsillitis, sinusitis and related surgeries
Hernia and Hydrocele
Medical charges incurred within 30 days of inception date of the policy except thosethat are incurred as a result of bodily injury caused by an accident. This exclusion does not apply for subsequent renewals with the Company without a break.
Any Physical, Medical or mental condition or treatment or service which is specifically excluded in the Policy in Part I of the Schedule under Special Conditions
Enrollment age for the members proposed for this insurance is from 5 years to 65 years.
Proposer needs to be aged 18 years or above.
Individual(s) proposed for Insurance whose age is 56 years & above have to undergo medical tests at ICICI Lombard designated diagnostic centers.
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