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ICICI Lombard Family Floater Health Insurance

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ICICI Lombard Family Floater Health Insurance Policy

 

ICICI Lombard Family Floater medical insurance policy provides cover to the entire family against costs incurred during sudden illness, surgery and accidents. The benefits under this policy can be availed any time of the year by any of the family members covered under this policy.

 

 

Key Features of ICICI Lombard Family Floater Health Insurance Policy

 

  • No health check-up up to the age of 55 years
  • Provides cover for surgery and accidents against terrorist activities
  • Covers Swine Flu / H1N1 influenza
  • Cashless claims facility
  • No sub-limits on room-rent, doctor’s fees and charges for diseases (except cataract)
  • No co-payment required (policyholder does not have to bear any percentage of the claim amount)
  • EMI option available for policy over Rs.10,000
  • Policy cover also available for 2 years apart from the standard 1 year cover
  • Renewable up to the age of 70 years

 

 

What is covered in ICICI Lombard Family Floater Health Insurance Plan?

 

  • All medical expenses incurred during hospitalisation as an inpatient which includes accommodation or room charges, fees paid to doctor or surgeon, medicines bills, etc
  • Medical expenses incurred prior to hospitalisation and post-hospitalisation
  • Also covers many day care procedures which do not require 24-hours hospitalisation such as X-ray, Chemotherapy, Radiotherapy, operation of cataract or tonsils, etc
  • Pre-existing diseases covered after 4 continuous years of policy

 

 

Additional Benefits of ICICI Lombard Family Floater Health Insurance Plan

 

  • Free coupon for a health check up, for any one insured member.
  • If no claims are made, then an additional sum assured of 5% is given to the policy holder on renewal provided
  • Floater benefit is available for family members who are not over 60 years of age
  •  An adult can also cover children aged between 91 days to 5 years

 

 

Eligibility & Restrictions of ICICI Lombard Family Floater Health Insurance Policy

 

 

 

Minimum

Maximum

Coverage Amount (in Rs.)

2,00,000

4,00,000

Policy Term (in years)

1

2

Entry Age (in years)

5

60

Renewable till Age (in years)

-

70

 

 

Family floater policy will cover

 

  • An individual and / or his spouse
  • Dependent children
  • Dependent parents

 

 

Exclusions - What is not covered in ICICI Lombard Family Floater Health Insurance Policy?

 

  • Any treatments within the first 30 days of policy commencement except those arising from an accident
  • Pre-existing diseases or conditions are not covered for the first  4 policy years
  • Expenses arising from HIV, AIDS and related diseases, intentional self injury  
  • Non-allopathic, cosmetic and obesity treatment, and pregnancy and childbirth  related complications,
  • Abuse  of liquor, drugs, intoxicants, hallucinogens
  • Hospitalisation due to war
  • Diseases existing at birth
  • Two years exclusion for specific diseases (e.g. Piles, stones, hernia, arthritis, cataract etc.)

 

 

 

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