Published: Jun 1, 2022, 5:00pm
The ICICI Lombard offers health insurance with several variants along with certain extra riders and benefits such as in-patient hospitalization cover, day care treatment, daily hospital cash, unlimited reset benefit, among others. It also provides supplemental health insurance plans for individuals looking for additional coverage. Both individual and family floater plans are available.
INR 1 lakh up to INR 1 crore
All Covid-19 treatments covered
INR 1 lakh up to INR 1 crore
All Covid-19 treatments covered
The ICICI Lombard complete health insurance policy is a comprehensive policy for an individual and for family where the policyholder can opt for complete coverage for the family as per their medical needs.
Key Features:
The ICICI Lombard complete health policy has introduced four optional riders under its plan- iHealth, iHealth plus Health shield and Health elite. Let’s have a look at each one of them and understand what all is covered for the policyholders in each plan. Let’s have a look on the table below to know the features of iHealth plus plan:
iHealth
The ICICI Lombard iHealth is a comprehensive health insurance plan that offers health cover along with additional covers like hospital daily cash, critical illness and donor expenses. This plan also provides a top-up option to enhance sum insured.
Key Features:
iHealth Plus
The ICICI Lombard iHealth Plus policy offers benefits such as day care procedures, pre- and post-hospitalization costs, no capping on room rent and extensive coverage for doctor’s expenses and medical bills. Let’s have a look on the features of iHealth plus plan:
Key Features:
Health Shield
The Health Shield plan by ICICI Lombard provides coverage options ranging from INR 3 lakh to INR 50 lakh, depending upon the need of the policyholder. This plan has an elaborate list of coverages such as in-patient treatment, donor expenses, maternity benefits, nursing cost and many more. Let’s have a look to understand more in detail about each and every coverage of this plan:
Key Features:
Health Elite
The Health Elite plan offers a coverage of INR 3 lakh to INR 50 lakh along with the benefits like in-patient treatment, pre- and post-hospitalization, day care costs, maternity and newborn cover, donor expenses, among others. Here’s more about the benefits of this plan:
Key Features:
As the name suggests, Health Booster is a kind of super top-up health insurance. It covers that extra bill when the standard insurance coverage plan falls short. This plan enables to add a higher sum insured at a comparatively lower premium.
Key Features:
Aarogya Sanjeevani policy is a standard policy that pays for the medical bills when the insured is hospitalized. It is a general coverage healthcare plan, which is well-suited for securing basic healthcare needs. This policy has an option of both individual and family floater plans.
Key Features:
The personal protect policy is an accident insurance policy, which provides monetary support to the insured person in case of a critical accident. This policy offers financial aid for expenses incurred because of an accident. It also provides coverage in case of total permanent disability or death of the insured due to an accident.
Key Features:
This is a standard personal accident policy, which gives a coverage for accidental death and permanent or partial disablement. The policyholder gets a sum insured coverage up to INR 1 crore.
Key Features:
This policy is a Covid-19 specific policy and caters to the basic health insurance needs arising out of the hospitalization of the insured suffering from Covid-19.The corona kavach policy covers hospitalization expenses for Covid-19 treatment, including hospital room rent, nursing expenses, surgery costs, specialist fees etc. The sum insured for this policy ranges from INR 50,000 to INR 5 lakh.
Key Features:
The following aspects are included under health insurance benefits.
To receive the claim on time, ICICI Lombard has to be contacted well in time via specified channels by the applicant. The claim can be settled either by cashless or by reimbursement claim.
Incase of a cashless claim, the insured is directly admitted to a network hospital, the listed hospital will send the insured’s documents and bills to the insurance company, and then the claim will be settled with them directly. For settlement of cashless claims under ICICI Lombard health insurance plans, follow these steps –
However, incase of a reimbursement claim, the insured have to wait till their money gets reimbursed from the insurance company. The reimbursement claim process of ICICI Lombard health insurance plans is as follows:
We have rated the ICICI Lombard health insurance policies on the basis of following factors:
Rashi Maheshwari is a Deputy Editor for Forbes Advisor India. She has more than a decade of experience working in news, public relations and communications. In the past, she has worked with CNBC Awaaz, CryptoWire, among others and has covered beats including insurance, personal investments and cryptocurrency. She is a travel enthusiast and would like to visit every country and try as many different culinary specialities as possible.
