ICICI Lombard Rishtey Health Insurance
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 |
About ICICI Lombard Rishtey Health Insurance
Rishtey Health Insurance by ICICI Lombard is a comprehensive health cover for senior citizens. An ideal choice to go with, the Rishtey plan helps you take care of your loved ones, even when they are far away, especially at a time when they need financial assistance during a medical emergency. Available in 2 variants, namely Plan 1 and Plan 2, Rishtey plan is definitely a good medical insurance solution for the elderly. Valid up to 2 years, the cover of ICICI Lombard Rishtey offers cashless hospitalisation in 3,600+ network hospitals. With maximum entry age of 70 years, Rishtey Health Insurance features cumulative bonus, sum insured enhancement and other benefits. Offering the benefit of free health check-up for one insured family member, Rishtey Health Insurance also provides cover for hospitalisation in case of Swine Flu/H1N1 influenza, in case, it is not a pre-existing illness. However, note that the plan covers pre-existing illnesses after four continuous years of coverage.
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Key Inclusions and Exclusions of the Plan
What's Included
- 30 days pre-hospitalisation & 60 days post hospitalisation covered
- Re-reimbursement of return air-fare of the NRI applicant if he/she is required to visit the hospitalised insured (dependent)
- Inpatient hospitalisation, including room charges, medicine bills, doctor/surgeon’s fees, etc.
- Day care expenses incurred on named advanced technological procedures & surgeries
- The policy also provides nursing care benefits
What's Not Included
- Congenital diseases and any injury/disease existing before the inception of the policy
- War, terrorism acts, strike, riots/nuclear weapon induced treatment
- Expenses owing to HIV or AIDS and related diseases
- Non-allopathic treatment, pregnancy & childbirth related diseases
- Intentional self-injury, cosmetic, psychiatric, mental and behavioral disorders
4280 ICICI Lombard Cashless Network Hospitals in India
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ICICI Lombard Rishtey Expert Review
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Major Attractions
A policy doesn’t become a complete plan by just offering a wide range of benefits, but when it provides extensive coverage for the entire family. The ICICI Lombard Rishtey Plan holds several features to prove itself an attractive and comprehensive health insurance plan. Some major highlights of the plan are as follow:
- Coverage for in-patient hospitalisation expenses
- Sum Insured options are available for up to Rs. 3 Lakh
- The cost incurred on pre and post hospitalisation for 30 and 60 days
- Charges of nursing care are covered under the plan for 3 days
- Covers the treatment expenses related to Swine Flu / H1N1 influenza
- Coupon for free health check-up is provided for one insured individual
- Advanced procedures and surgeries that require less than 24-hour hospitalisation like radiotherapy, chemotherapy, dialysis, etc.
- Hospitalisation expenses for the treatment of injury occurred due to terrorist activities
- Reimbursement of applicant’s airline expenses to visit insured parents, if they are hospitalised for some medical emergencies
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What’s More?
Besides general features, the plan owns some unique features as well, where it offers profit to customers. The beneficial components of the plan include:
- The maximum age of renewability is 75 years
- Tax-related savings can be made as per the section 80D of the IT Act
- If no claim is made under the plan, policyholders are eligible to get 5% extra sum insured on each renewal up to 50%
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Conclusion
Going through the features and coverage benefits of the plan, the policy can be considered as a perfect plan for a family with senior citizens. It is an affordable and suitable plan for all.
When it comes to selecting and buying a health insurance plan, always prefer online over the offline platform. The online platform offers a wide range of products, helps in comparison and safe payment process. Insurance Dekho is a website that works as a web aggregator in the health insurance domain. With the help of its team, you can select a plan as per your needs, get claim settlement support and so on.
Claim Process at ICICI Lombard Health Insurance
FAQs on Rishtey Health Insurance Plan
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What is the maximum renewal age for Rishtey plan?
The maximum renewal age for Rishtey plan is 75 years.
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What are the sum insured options under ICICI Lombard’s Rishtey plan?
For Plan 1, the sum insured is Rs. 2 Lakh per year. While, for Plan 2, the sum insured is Rs. 3 Lakh per year.
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Does Rishtey plan by ICICI Lombard cover pre-existing illness?
Yes, Rishtey plan covers pre-existing illness of the insured from the fifth year.
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After what age does one have to opt for medical checkup under Rishtey plan?
Under Rishtey plan, one has to go for medical checkup above the age of 55 years.