ICICI Lombard Rishtey Health Insurance

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

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%

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.

The maximum renewal age for Rishtey plan is 75 years.

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.

Yes, Rishtey plan covers pre-existing illness of the insured from the fifth year. 

Under Rishtey plan, one has to go for medical checkup above the age of 55 years.