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ICICI Lombard Health Advantage Plus

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ICICI Lombard Health Advantage Plus Insurance Policy

 

ICICI Lombard Health Advantage Plus policy takes care of expenses related to hospitalisation as well as OPD expenses that do not require 24 hour hospitalisation. It covers costs incurred on dental treatment, diagnostic tests etc.  

 

 

Key Features of ICICI Lombard Health Advantage Plus Insurance Policy

 

  • Out-patient (OPD) expenses like dental treatment, medical bills, diagnostics tests etc  
  • No Health check-up for people below  45 yrs age
  • Family Floater option available
  • Covers Swine Flu / H1N1 influenza
  • No sub-limits on doctor’s fees, room rent, hospital charges
  • No sub-limits on diseases (except cataract where sub-limit is Rs 20,000)
  • No co-payments for any hospitalisation expenses or diseases
  • Provides cover against terrorist activities
  • Maternity expenses can be covered under OPD expenses

 

 

Variants in ICICI Lombard Health Advantage Plus Insurance Plan

 

The plan can be taken by -

  • An Individual
  • 2 Adults with floater benefit

 

 

What is covered in ICICI Lombard Health Advantage Plus Insurance Plan?

 

  • All medical expenses incurred during hospitalisation for more than 24 hours which includes room rent, fees paid to doctor or surgeon, medicines bills, etc
  • Pre-hospitalisation expenses up to 30 days
  • Post- hospitalisation expenses up to 60 days
  • Advanced surgeries that require less than 24 hour hospitalisation like chemotherapy, tonsillectomy, radiotherapy, eye surgery, dialysis, kidney stone removal, coronary angiography, cardiac catheterization etc
  • Pre-existing diseases after 2 years of policy renewal
  • Dental treatment costs
  • Cost of anesthesia, blood, oxygen, operation theatre, medicines and drugs, x-ray, surgical consumables, specialist’s fees
  • Ambulance charges
  • Cost of pacemaker and artificial limbs
  • Covers Swine Flu / H1N1 influenza

 

 

Additional Benefits of ICICI Lombard Health Advantage Plus Insurance Policy

 

  • Maternity expenses can be covered under OPD expenses
  • Covers against terror acts and Swine Flu/ H1N1 Influenza

 

 

Eligibility and Restrictions of ICICI Lombard Health Advantage Plus Insurance Policy

 

 

 

Minimum

Maximum

Coverage Amount (in Rs.)

2,00,000

3,00,000

Policy Term (in years)

1

2

Entry Age (in years)

5

65

Renewable till Age (in years)

-

70

 

 

 

Age of Senior Most Member

Individual

2 Adults with Floater Benefit

Sum Insured =

2 Lacs

Sum Insured =

3 Lacs

Sum Insured =

2 Lacs

Sum Insured =

3 Lacs

5 yrs - 18 yrs

10,000

9,500

-

-

19 yrs - 35 yrs

9,000

8,800

8,000

7,500

36 yrs - 45 yrs

8,500

8,000

7,000

6,500

46 yrs - 55 yrs

6,000

5,500

3,000

2,000

56 yrs - 60 yrs

4,500

3,500

-

-

61 yrs - 65 yrs

7,000

5,500

-

-

66 yrs - 70 yrs

4,000

2,000

-

-

 

 

Family floater policy will cover

 

  • Self
  • Spouse
  • Dependent parents
  • Dependent children above 5 years age

 

 

Exclusions - What is not covered in ICICI Lombard Health Advantage Plus Insurance Policy?

 

  • Pre-existing diseases for first 2 yrs
  • Expenses arising from HIV, AIDS and related diseases, intentional self injury
  • Non-allopathic treatments
  • Abuse  of liquor, drugs, intoxicants, hallucinogens
  • Hospitalisation due to war, strike, riot, nuclear weapons
  • 2 yr exclusion for specific conditions like cataract, hysterectomy, arthritis, stones, skin and internal tumors, spinal disorders, deviated nasal septum, joint replacement surgery (except due to accident), deviated nasal septum etc
  • Diseases existing at birth (congenital)

 

 

 

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