What truly is health insurance?

A medical insurance policy, often known as health insurance, pays for medical expenditures incurred as a result of diseases or injuries. It reimburses your costs or directly pays the medical care provider on your behalf. A complete medical insurance policy will cover the costs of hospitalization, childcare operations, medical care at home (domiciliary hospitalization), and ambulance fees, among other things. LIC Lombard offers the best health insurance policies in the market. Here in this article, you will get to know about ICICI Lombard health insurance and its benefits.

A health insurance policy protects you against a variety of conditions. It also helps you save money on taxes. You can deduct your health insurance premiums from your taxable income under section 80D of the Income Tax Act of 1961.

What is ICICI Lombard Complete Health Insurance?

The ICICI Lombard Complete Health insurance protects your cash against unexpected medical bills. It’s comprehensive coverage for you and your family that covers the majority of your regular healthcare requirements. It has the option to include your entire family under one policy, known as the family floater option.

You may customize your family health insurance coverage based on your medical needs, such as maternity coverage, outpatient care coverage, critical illness coverage, donor expenditures coverage, and so on. Its notable characteristics include no restriction on hospital room rent, no co-pay, no pre-medical check-up up to the age of 45, and two complimentary health checks. -up vouchers for a family floater health insurance policy per year.

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Why choose the best ICICI Lombard health insurance plan?

Insured amount

It is the maximum you may claim for hospitalization in a policy year. If you want a policy with less coverage (under 5 lakh amount insured), you might go with the ICICI Lombard Aarogya Sanjeevani Policy.

However, if you want substantial coverage (more than 5 lakh amount insured), we recommend ICICI Lombard Complete Health Insurance, our comprehensive health insurance policy. If you currently have group health insurance and want a special top-up plan, you can purchase our Health Booster coverage.

The amount covered in addition

It is the amount increased to your total insured for each year without a claim. While the ICICI Lombard Complete Health Insurance and Health Booster policy allows you to earn up to 10% more amount insured, the ICICI Lombard Aarogya Sanjeevani Policy allows you to earn up to 5% more sum insured. The highest cumulative bonus that may be achieved across all of our health insurance products is 50%.

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Health and wellness programme

Redeeming wellness points gained by participating in various wellness and fitness activities. Wellness points can be redeemed on OPD bills for doctor’s consultations, prescription and pharmaceuticals, diagnostic expenditures, dentistry expenses, and so on.

How to find out whether you are eligible for the ICICI Lombard Complete Health Insurance policy?

• You can purchase Complete Health Insurance insurance for yourself and your family members, including children and parents if you are over the age of 18.
• If you want your kid to be covered under family insurance plans, he or she must be more than 3 months old, and if you want to acquire an individual health plan for your child, he or she must be more than 6 years old.
• A health insurance coverage acquired for children aged 3 months to 5 years must include at least one adult.
• Children must be at least 91 days old to be eligible for health insurance.
• If you purchase a health plan for someone over the age of 46, they will be required to take a medical test at one of our certified diagnostic centres.
• Only health insurance coverage purchased for yourself, your spouse, your parents, and your dependent children are eligible for Section 80D tax breaks.

What exactly do you mean by “waiting period”?

A waiting period is a time after which you can file a claim. The following are our waiting periods for ICICI Lombard Complete Health Insurance and Health Booster policies:

• There is no waiting time for unintentional hospitalization.
• Other than accidental hospitalization, all claims must be filed within 30 days.
• Pre-existing illnesses have a two-year waiting period. These disorders must be mentioned at the time of proposal and accepted by us for policies with an amount insured of 3 lakh or more. For the typical list of illnesses and treatments, the time frame is two years.

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