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Apply NowICICI Lombard Complete Health Insurance
We redefine the way you stay protected
ICICI Lombard Complete Health Insurance
We redefine the way you stay protected
At ICICI Lombard, we believe that health insurance is not just a matter of saving tax or getting the protection you need. It can be so much more. It’s about partnering with you to find precisely what works for you based on your needs and then going the extra mile to deliver more than what we promise. We go about finding a policy that truly caters to your needs, based on multiple factors, some of which can be customised as per your needs. Once selected, a single policy will provide a health cover that fits you and your family like a glove.Read More
With more features and benefits, we’re redefining the way you stay protected.Read Less
Choice of Sum Insured between 5 Lakhs to 50 Lakhs
No bar on maximum entry age. Policy offers lifelong renewal
Option to choose multiyear (1, 2 or 3 year) policy period
Avail cashless hospitalisation at any of our 6500+ network hospitals#
No medical tests needed below the age of 56 years and Sum Insured up to 20 Lakhs.
PLAN OPTIONS/VARIANTS
Health Shield
Emergency Services
Value Added Service (VAS)
Health Shield Plus
Health Elite
Health Elite Plus
Add-ons
For paper based transactions
1Tax deductions under Section 80D is as per applicable provision of the Act (including any amendments thereto) and are subject to changes in the tax laws.
2Factors determining the renewal premium are (i) age slab of the senior most insured member at the time of renewal (ii) any change in the renewing policy.
3Only when it has been undergone in a AYUSH hospital or in AYUSH Day Care Center on Re - imbursement basis.
4Please note that reset will not trigger for first claim and reset cannot be used by same person and/or for same illness for which a claim has been paid in the policy year
5The waiting period for maternity cover is 3 years. The cover shall be limited to 2 deliveries / terminations during the period of insurance. Pre - natal and Post - natal expenses shall be covered under this benefit. This cover is applicable only for floater plan having Self and Spouse in the same policy. (Inbuilt under Health Elite and Health Elite Plus plans only)
6This cover can be availed only once during your lifetime. Once a claim becomes payable under this cover, no benefit will be provided under the same thereafter.
7Critical Illness and Personal Accident available only for adults, subject to maximum of 2 Adults only up to 60 years of age.
8Disclaimer: Cashless approval is subject to pre-authorisation by the company. Only expenses relating to hospitalisation will be reimbursed as per the policy coverage. Non-medical expenses will not be reimbursed.
9After two years from the Period of Insurance Start Date, Our maximum liability arising out of any Claim for a cataract treatment shall not exceeds Rs. 20,000 per eye, during each Policy Year of the Policy Period for plans with Sum Insured up to Rs 5Lacs. Sub limit of Rs 1,00,000 per eye per Policy year will be applicable for Cataract surgery for plans with Sum Insured above Rs 5Lacs.
10Following is an indicative list of the policy exclusions. Please refer to the policy clause for the complete list.
#as on 31st July 2020Read More
Metra Trust ("Bank") with registered office at KRM Tower, 8th Floor, No.1, Harrington Road, Chetpet, Chennai- 600031 is licensed as a corporate agent of ICICI Lombard General Insurance Company Limited under license no.CA0106 issued by Insurance Regulatory & Development Authority of India and does not underwrite the risk or acts as an insurer. This policy is issued to you by ICICI Lombard and is subject to the terms and conditions governing such policy. The contract of insurance is between ICICI Lombard and the insured only, and not between Metra Trust and the insured. Bank’s customer participation in the policy is entirely voluntary.
This is only an indication of the cover offered. For complete details on risk factors, terms, conditions, coverages and exclusions, please read the sales brochure carefully before concluding a sale. ICICI trade logo displayed above belongs to ICICI Bank and is used by ICICI Lombard GIC Ltd. under license and Lombard logo belongs to ICICI Lombard GIC Ltd. Insurance is underwritten by ICICI Lombard General Insurance Company Limited, ICICI Lombard House, 414, Veer Savarkar Marg, Prabhadevi, Mumbai – 400025. . IRDA Reg.No.115. Toll Free 1800 2666. Fax No – 022 61961323. CIN (L67200MH2000PLC129408). customersupport@iciclombard.com. www.icicilombard.com. ICICI Lombard Complete health Insurance. Misc128. UIN ICIHLIP22096V062122.Read Less
Healthcare is expensive. Technological advances, new procedures and more effective medicines have driven up the cost of healthcare. This increase has to be borne by the consumer, making treatment unaffordable. Health Insurance overcomes these obstacles so that you remain free of anxiety regarding your health. Think for a moment about the enormous medical costs you would incur if you suffered a major accident tomorrow or were suddenly stricken by an illness.. Health insurance seeks to shield you from health related risk. It provides the much needed financial relief. You also get tax benefit under section 80D of the Income Tax Act and amendments made thereto.
Your health insurance will either pay your hospital bills directly if opted for the cashless facility in the network hospital or it will reimburse any payment made by you towards medical expenses incurred due to an illness or injury as per the policy terms.
Family Floater is one single policy that takes care of the hospitalization expenses of all family members covered in that policy. The policy has one single sum insured, which can be utilized by any/all insured persons in any proportion or amount subject to maximum of overall limit of the policy sum insured, as per policy terms and conditions.
When you get a new policy, there will be a 30 days waiting period starting from the policy inception date, during which period any hospitalization charges will not be payable by the insurance companies. However, this is not applicable to any emergency hospitalization occurring due to an accident. This waiting period will not be applicable for subsequent policies under renewal. Furthermore, in the case of a declared & accepted pre-existing disease or specific diseases, you will have to serve the waiting period of 2 years for these diseases / conditions.
It is a medical condition/disease that existed before you obtained health insurance policy.
The policy will be renewable provided you pay the premium within 30 days (called as Grace Period) of expiry date. However, coverage would not be available for the period for which no premium is received by us. The policy will be lapsed and continuity benefit would not be applicable if the premium is not paid within the grace period.
After a claim is filed and settled, the sum insured will be reduced by the amount that has been paid out on settlement. For Example: In January you start a policy with a coverage of `5 Lakh for the year. In April, you make a claim of `2 Lakh. The coverage available to you for the May to December will be the balance of `3 Lakh.
It is a benefit that allows an insured to reinstate the entire sum insured in the policy year when it gets exhausted due to incurred claims. In case the entire cover is exhausted, it gets replenished automatically for the next hospitalization that occurs within the policy year. Reset will not trigger on first claim and cannot be used by same person for same illness for which the claim has already been paid in the policy.
Basis the plan and add on selected, ICICI Lombard Complete Health Insurance policy covers Hospitalization expenses incurred abroad with a co-pay of 10%. Worldwide cover is inbuilt with Health Elite Plus & Health Shield Plus plans.
Domiciliary Hospitalization offers coverage for medical expenses in a situation where the Insured Person is in such a state that he/she cannot be moved to a hospital or the treatment is taken at home if there's a non-availability of room in the hospital.
In case the customer has opted for this additional cover with extra premium, there will be a 50% bonus awarded for every claim free year subject to a maximum of 100% for SI options up to 10 Lakhs and up to 200% for SI options 15 Lakhs and above. Super No Claim Bonus is inbuilt with Health Elite Plus plan.
All plans come with multiple Sum Insured options up to a maximum of 50 Lakhs.
Yes, you can increase the Sum Insured at the time of renewal. However, fresh waiting period would apply for the enhanced Sum Insured (this condition would not apply on the original sum insured including the accrued Additional Sum insured).