Ihealth Icici Lombard Plan
ICICI Lombard Health Insurance
Highlighted Features
Room Rent (Normal & ICU)
The ICICI iHealth Plan offers comprehensive health coverage with no sub-limits on room rent or ICU charges.
Advanced Treatments
The ICICI Lombard iHealth plan covers advanced treatments like robotic surgeries, stem cell therapy, oral chemotherapy, bariatric surgery, and organ transplants.
Brochure
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Our Verdict
ICICI iHealth offers comprehensive coverage with add-ons like maternity, critical illness, and air ambulance cover. Ideal for families and individuals seeking customizable health protection, though premiums may increase with add-ons.
About the Plan
ICICI iHealth is a comprehensive health insurance plan designed to provide extensive medical coverage for individuals and families. It offers benefits such as in-patient hospitalization, pre- and post-hospitalization expenses, day care procedures, and domiciliary treatment. The plan includes wellness programs, annual health check-ups, and cashless hospitalization at network hospitals. It also features a No Claim Bonus, increasing the sum insured for every claim-free year. With flexible sum insured options and optional add-ons, ICICI iHealth ensures financial security during medical emergencies.
About the Plan
Features of the Product
Room Rent (Normal & ICU)
Including in-patient hospitalization expenses such as room rent and ICU charges. Notably, there are no sub-limits on room rent or ICU charges.
Advanced Treatments
ICICI iHealth covers advanced medical treatments, ensuring access to modern healthcare. It includes robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapies, and other cutting-edge procedures.
Co-payment
Does not have a mandatory co-payment for most policyholders. However, for senior citizens or specific policy variants, a co-payment clause may apply, requiring the insured to bear a percentage of the claim amount.
Waiting Periods
Initial Waiting Period: 30 days from policy inception, except for accidental claims.
Pre-existing Diseases (PED): Covered after a waiting period of 36 to 48 months, depending on the plan variant.
Specific Illnesses: Certain listed conditions, like hernia, cataract, and joint replacement, have a waiting period of 24 to 48 months.
Maternity Benefits: If applicable, maternity expenses have a waiting period of 9 to 24 months.
Cashless Healthcare Providers
10,896+ hospitals across india
Day Care Treatments
Covered under the policy.
AYUSH Treatment
Covered under this policy
Exclusions
Pre-existing diseases are not covered until the completion of the waiting period.
Any illness or treatment arising within the first 30 days of policy commencement, except accidents.
Cosmetic or aesthetic treatments, plastic surgery, or weight control procedures unless medically necessary.
Treatment for alcohol or drug abuse, self-inflicted injuries, or suicide attempts.
Infertility treatments, hormone replacement therapy, and assisted reproductive techniques.
Expenses related to dental or oral treatments unless arising from an accident.
Treatment for congenital diseases, external medical devices, and prosthetics not implanted internally.
Injuries or illnesses arising from hazardous activities, adventure sports, or participation in war.
Any hospitalization due to nuclear, biological, or chemical contamination.
Experimental or unproven treatments and procedures not recognized by medical authorities.
Exclusions
Hospital Daily Cash - Provides a fixed daily allowance for each day of hospitalization, helping cover incidental expenses not included in the primary policy.
Convalescence Benefit - Offers a lump sum payment if hospitalization exceeds a specified period, aiding recovery-related expenses during extended hospital stays.
Critical Illness Cover - Provides a lump sum payout upon diagnosis of specified critical illnesses, assisting with treatment costs and financial stability during serious health conditions.
Donor Expenses - Reimburses medical expenses incurred by an organ donor during transplant surgery, ensuring financial support for organ transplantation procedures.
Air Ambulance Cover - Provides coverage for air ambulance expenses incurred during emergency medical evacuations, ensuring access to advanced medical facilities when needed.
Maternity Benefit - Reimburses medical expenses for delivery, including cesarean sections, and covers pre- and post-natal care, supporting expectant mothers during childbirth.
Newborn Baby Cover - Offers coverage for a newborn's medical expenses during hospitalization, up to a specified period from birth, ensuring the baby's health needs are met.
Out-Patient Treatment Cover - Covers outpatient medical expenses, including doctor consultations, diagnostic tests, and prescribed medications, managing routine healthcare costs.
Super No Claim Bonus - Awards a bonus to the sum insured for each claim-free year, up to a certain limit, enhancing coverage without additional premiums.
Add-ons
Looking for a Specific Hospital ?
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We help you maximize your coverage over time for stronger protection.
About the Company
ICICI Lombard is a leading private sector general insurance company in India, offering a comprehensive range of products, including health, motor, travel, and home insurance, through multiple distribution channels.
Their Elevate Health Policy is a customizable health insurance plan designed to provide extensive coverage for hospitalization and daycare treatments. Key features include unlimited reset of the sum insured, cashless approval within two hours, and a 30% discount on renewals for active living. Additionally, the plan offers a 100% increase in the sum insured every year and unlimited sum insured on any one claim during the policy lifetime, ensuring policyholders have access to necessary medical care without financial strain.
CEO and MD of ICICI Lombard general insurance company limited, Mr Sanjeev Mantri ensures that their vision and values align with providing a financial cushion to the policyholders during any health crisis.
About the Company
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