Question 1

What are the sum insured options under ICICI Lombard Arogya Sanjeevani Policy?

Accepted Answer

Sum insured denotes the maximum amount of cover available for a policy year of ICICI Lombard Arogya Sanjeevani Policy is available for sum insured options of Rs. 1 Lakh, Rs. 1.5 Lakh, Rs. 2 Lakh, Rs. 2.5 Lakh, Rs. 3 Lakh, Rs. 3.5 Lakh, Rs. 4 Lakh, Rs. 4.5 Lakh, and Rs. 5 Lakh.

Question 2

What is the entry age for ICICI Lombard Arogya Sanjeevani Policy?

Accepted Answer

ICICI Lombard Arogya Sanjeevani policy can be purchased by people aged between 18 years and 65 years. People aged more than that can buy the policy for family, without covering themselves.

Question 3

Can children be also included under ICICI Lombard Arogya Sanjeevani Policy?

Accepted Answer

Yes. Children can also be included under ICICI Lombard Arogya Sanjeevani Policy if they are aged between 3 months to 25 years. If the child aged above 18 years is financially independent, then he/she will be ineligible for coverage in the subsequent renewals.

Question 4

Is pre-policy medical check-up required under ICICI Lombard Arogya Sanjeevani Policy?

Accepted Answer

Pre-policy medical tests are not required under ICICI Lombard Arogya Sanjeevani Policy if purchased below 45 years of age. However, if you are aged 45 years or above, then you will have to undergo medical tests at any network hospital or diagnostic center. If the company accepts your proposal, then it will reimburse 100% of the cost incurred in these tests.

Question 5

What is the policy term for ICICI Lombard Arogya Sanjeevani Policy?

Accepted Answer

The policy term for ICICI Lombard Arogya Sanjeevani Policy is one year. The policy needs to be renewed every year.

Question 6

Is there any sub-limit under ICICI Lombard Arogya Sanjeevani Policy?

Accepted Answer

Yes. The policy comes with the following sub-limits:        	 Room rent, boarding and nursing expenses: Up to 2% of sum insured up to a maximum of Rs. 5,000 per day   	 Intensive Care Unit/Intensive Cardiac Care Unit charges: Up to 5% of the sum insured up to a maximum of Rs. 10,000 per day   	 Expenses related to cataract treatment: Up to 25% of sum insured or Rs. 40,000, whichever is lower   	 Modern treatments and advances in technology: Up to 50% of the sum insured limit.

Question 7

What are the waiting periods under ICICI Lombard Arogya Sanjeevani Policy?

Accepted Answer

ICICI Lombard Arogya Sanjeevani Policy covers specific expenses after the following waiting periods:         	 Pre existing diseases are covered after 48 months of continuous coverage   	 Waiting period of first 30 days for treatment of any illness   	 Waiting period of 24 months for specific treatments   	 Waiting period of 48 months for certain treatments.

Question 8

How is the payment of claims made under this policy?

Accepted Answer

All the claims under ICICI Lombard Arogya Sanjeevani Policy are payable in Indian currency only.

Question 9

Can I enjoy tax benefits on premium paid for ICICI Lombard Arogya Sanjeevani Policy?

Accepted Answer

Yes. You can enjoy tax benefits on the premium paid for ICICI Lombard Arogya Sanjeevani Policy under Section 80D of the Income Tax Act, 1961.

Question 10

What is the free look period offered under this policy?

Accepted Answer

Under ICICI Lombard Arogya Sanjeevani Policy, you get a free look period of 15 days from the date of receipt of policy. This period is provided so that you can review the terms and conditions of the policy. If you disagree with any condition mentioned under the policy, then you can return the policy within this period and you will get the refund for the premium paid after specific deductions.

Cashless Approval TAT	2 hr Cashless Claim Processing
Claim Settlement Ratio	99.70%
Network Hospitals	7,500+
Pre-existing Disease Waiting Period	2 year
Special Benefits	Anywhere Cashless
Starting Premium for Rs. 5 lakh SI	Rs. 581/month

Name of Plan	Sum Insured
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 yearsPopular	1 Lakh - 5 Lakh	Check Premium
Health AdvantEDGEPopular		Check Premium
Complete Health InsuranceMin: 3 Months; Max: No Limit	5 Lakh	Check Premium
Health BoosterMin: 3 Months; Max: No Limit	5 Lakh	Check Premium
Corona Kavach PolicyMin:1 Day; Max: 65 Years	50,000 - 5 lakh	Check Premium
Corona Rakshak PolicyMin: 18 Years; Max: 65 Years	50,000 - 2.5 lakh	Check Premium
Personal ProtectMin: 18 years; Max: 65 years	3 Lakh - 25 Lakh	Check Premium

Name of Plan	Sum Insured
Health BoosterMin: 3 Months; Max: No Limit	5 Lakh	Check Premium
Healthcare Plus PolicyMin: 5 years; Max: 65 years	3 Lakh - 10 Lakh	Check Premium

ICICI Lombard Arogya Sanjeevani Health Insurance Wordings

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FAQs on Arogya Sanjeevani Policy Health Insurance Plan

What are the sum insured options under ICICI Lombard Arogya Sanjeevani Policy?

What is the entry age for ICICI Lombard Arogya Sanjeevani Policy?

Can children be also included under ICICI Lombard Arogya Sanjeevani Policy?

Is pre-policy medical check-up required under ICICI Lombard Arogya Sanjeevani Policy?

What is the policy term for ICICI Lombard Arogya Sanjeevani Policy?

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