Insurance

ICICI Lombard General Insurance Co. Ltd.

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.


Complete Health Insurance - iHealth Plan

Features

ICICI Lombard Complete Health Insurance makes sure that you and your family are secured against untimely health conditions. It gets you comprehensive coverage and also gives you an option to choose your medical plan, premium and policy according to your budget and requirements.

Coverage

Medical expenses incurred as an inpatient during hospitalisation for more than 24 hours, including room charges, doctor/ surgeon's fee, medicines bills, etc
Medical expenses incurred 30 days prior and 60 days post hospitalisation
Day Care expenses incurred on named advanced technological surgeries and procedures requiring less than 24 hours of hospitalisation. Click here to view the list.
The minimum entry age starts from 6 years under individual policy ,and 3 months under a floater policy.

Medical expenses incurred as an inpatient during hospitalisation for more than 24 hours, including room charges, doctor/ surgeon's fee, medicines bills, etc

Medical expenses incurred 30 days prior and 60 days post hospitalisation

Day Care expenses incurred on named advanced technological surgeries and procedures requiring less than 24 hours of hospitalisation. Click here to view the list.

The minimum entry age starts from 6 years under individual policy ,and 3 months under a floater policy.

Benefits
Coverage up to Rs. 10 Lac. Multiple sum insured options
Get policy renewal facility for life time
No Maximum Entry Age to avail this policy
No medical test required for policy holders below 46 years of age
Get cashless medical treatment across India in 4,000+ network hospitals 
No Sub-limit. However you can opt for a Sub-limit option.
Coverage up to Rs. 10 Lac. Multiple sum insured options
Get policy renewal facility for life time
No Maximum Entry Age to avail this policy
No medical test required for policy holders below 46 years of age
Get cashless medical treatment across India in 4,000+ network hospitals 
No Sub-limit. However you can opt for a Sub-limit option.
Exclusions

Exclusions valid for the first 30 Days:
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
Exclusions valid for the first 2 Years
Treatment of the following diseases/illness/ailments:
Cataract#
Benign Prostatic Hypertrophy
Myomectomy, Hysterectomy unless because of malignancy
Hernia, Hydrocele
Fissures &/or Fistula in Anus, hemorrhoids/Piles
Arthritis, Gout, Rheumatism and spinal disorders
Joint replacement, unless due to accident
Sinusitis and related disorders
Stone in the urinary and biliary systems
Dilatation & Curettage, Endometriosis
All types of Skin and all internal tumors / cysts / nodules / polyps of any kind, including breast lumps, unless malignant
Dialysis required for chronic renal failure
Surgery on tonsils, adenoids and sinuses
Gastric and duodenal erosions & ulcers
Deviated Nasal Septum
Varicose Veins/Varicose Ulcers
If the Policy is renewed with us for two consecutive years, the above diseases / illness / ailments will be covered from the third year. If these are pre-existing diseases at the time of inception of the policy, the same will be covered after the two years ## onwards, subject to continuous renewal of the policy with us.
#Any claim for Cataract treatment shall not exceed Rs 20,000 per eyen,during each Policy Year after 2 years from the Policy start date.
##4 years for Sum Insured 2 lacs.
Permanent exclusions:
Any illness/ disease/ injury/ pre-existing disease before the inception of the policy. However, this exclusion ceases to apply if the policy is renewed with the Company for 2 consecutive years for sum insured of Rs. 3 Lac, 4 Lac, 5 Lac, 7 Lac,10 Lac and Rs. 2 Lac sum insured if the policy is renewed for 4 consecutive years.
Non-allopathic treatment, pregnancy and childbirth related complications, 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, civil war or breach of law
Naturopathy treatment, acupressure, acupuncture, magnetic and other such therapies
Treatment taken outside the country
Any expenses arising out of Domiciliary Treatment

Exclusions valid for the first 30 Days:

 

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

Exclusions valid for the first 2 Years

 

Treatment of the following diseases/illness/ailments:

Cataract#

Benign Prostatic Hypertrophy

Myomectomy, Hysterectomy unless because of malignancy

Hernia, Hydrocele

Fissures &/or Fistula in Anus, hemorrhoids/Piles

Arthritis, Gout, Rheumatism and spinal disorders

Joint replacement, unless due to accident

Sinusitis and related disorders

Stone in the urinary and biliary systems

Dilatation & Curettage, Endometriosis

All types of Skin and all internal tumors / cysts / nodules / polyps of any kind, including breast lumps, unless malignant

Dialysis required for chronic renal failure

Surgery on tonsils, adenoids and sinuses

Gastric and duodenal erosions & ulcers

Deviated Nasal Septum

Varicose Veins/Varicose Ulcers

 

If the Policy is renewed with us for two consecutive years, the above diseases / illness / ailments will be covered from the third year. If these are pre-existing diseases at the time of inception of the policy, the same will be covered after the two years ## onwards, subject to continuous renewal of the policy with us.

#Any claim for Cataract treatment shall not exceed Rs 20,000 per eyen,during each Policy Year after 2 years from the Policy start date.

##4 years for Sum Insured 2 lacs.

 

Permanent exclusions:

 

Any illness/ disease/ injury/ pre-existing disease before the inception of the policy. However, this exclusion ceases to apply if the policy is renewed with the Company for 2 consecutive years for sum insured of Rs. 3 Lac, 4 Lac, 5 Lac, 7 Lac,10 Lac and Rs. 2 Lac sum insured if the policy is renewed for 4 consecutive years.

Non-allopathic treatment, pregnancy and childbirth related complications, 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, civil war or breach of law

Naturopathy treatment, acupressure, acupuncture, magnetic and other such therapies

Treatment taken outside the country

Any expenses arising out of Domiciliary Treatment

Eligibility

The customer can buy the policy for any family member(s) children and / or parents
The minimum entry age for customer to get the policy is 3 months in case of floater and 6 years in case of individual.
The Proposer needs to be aged above 18 years

The customer can buy the policy for any family member(s) children and / or parents

The minimum entry age for customer to get the policy is 3 months in case of floater and 6 years in case of individual.

The Proposer needs to be aged above 18 years

 

Officieal Website of ICICI Lombard General Insurance Co. Ltd.

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