Health Insurance


UNDERSTAND YOUR COMPLETE HEALTH INSURANCE POLICY COVERAGE


  • Medical expenses incurred during hospitalisation for more than 24 hours, including room charges, doctor/surgeon’s fee, medicine bills, etc.
  • Free Health Check : The client is entitled to free health checks at designated centers. Coupons will be provided to each insured person for each policy year, subject to a maximum of 2 coupons per year for floating policies
  • Medical expenses incurred 30 days before and 60 days after hospitalization
  • Tax Benefit: benefit from a tax deduction on the premium paid under the health insurance policy in accordance with the applicable provisions of section 80D of the Income Tax Act of 1961 and amendments to
  • Daycare costs for advanced and technological medical surgeries and procedures requiring less than 24 hours of hospitalization (including dialysis, radiotherapy, and chemotherapy)
  • Pre - Policy Medical Check - up: No medical examination will be required for insurance coverage under 46 and insured up to 10 Lakhs
  • Free Look Period: Policy can be canceled by giving written notice within 15 days of receiving the policy
  • Pre-existing diseases, but after 2 years / 4 years of continuous coverage with the Society *
  • Reset benefit: We will reset up to 100% of the Insured Sum once in an Insurance Year in the event that the Insured Sum, including the Accumulated Supplemental Sum Amount (if any), is insufficient as a result of claims prior to such insurance year
  • Life Long Renewability: The policy provides lifelong renewal
  • In the patient’s AYUSH treatment: expenses for the treatment of Ayurveda, Unani, Siddha and Homeopathy (AYUSH) only if they have been incurred in a government hospital or any institute recognized by the government and/or accredited by the Quality Council of India / National Council of Accreditation on Health
  • Floating Benefit: floating coverage to obtain a family (car, spouse, dependent parents, dependent children, siblings) covered for the same amount insured under a single policy by paying a premium amount. Anyone over 3 months old can be covered by the policy provided 1 adult is also covered by the same policy
  • Emergency Ambulance Cover: Reimbursement of up to 1,500 per hospitalization for reasonable expenses incurred to use an ambulance service provided by an emergency/hospital ambulance service provider
  • Additional Sum Insured: An Additional insured sum of 10% of insured annual insured for each renewal for each year without a claim up to a maximum of 50%. In the case of a claim under the policy, the accumulated additional insured will be reduced by 10% of the insured annual amount the following year
  • Wellness Program:Our wellness program aims to promote, encourage and reward you for your healthy behavior through various wellness services. All the activities mentioned in the section you want help you to earn wellness points that will be followed by us
  • Policy period: option to choose a policy period of 1 or 2 years depending on different plans offered
  • Cashless Hospitalisation: Possibility of hospitalization without cash at one of our suppliers/hospitals. A list of these hospitals/suppliers is available on our website www.icicilombard.com
  • Check your eligibility for full health insurance


  • If you are over the age of 18, you can purchase the full health insurance policy for yourself and your family members, children and parents

  • If you want your child to be covered by the family floats, your child should be over 3 months old and, if you purchase an individual policy for your child, he must be over 6 years old

  • A policy purchased to cover children from 3 months to 5 years should necessarily cover at least one adult as well

  • Children must have more than 91 days to be eligible for

  • If you are purchasing the policy for a person over the age of 46, you will need to undergo a medical examination at our designated diagnostic centers

  • You can avail income tax benefits under section 80D only in policies purchased for yourself, your spouse, your parents and your dependent children.