Benefits of Complete Health Insurance Policy By ICICI Lombard Health Insurance

A health insurance policy is meant to provide financial aid to the policyholders at the time of medical emergencies. It helps the policyholder to avoid draining their complete financial savings on medical expenses incurred during hospitalization at the time of an emergency. These plans come with a set of unique features that provide extensive coverage to the people like hospitalization expenses, room rents, ambulance charges, healthcare checkups, etc. You can customize your plan after analyzing your requirements carefully and you can include additional covers to enhance the coverage of your existing regular health insurance policy.

There are a plethora of options that are available in the market to help the people choose from a wide range of options that are available. Different types of plans include maternity benefit covers, critical illness plans, personal accident covers, etc. that are meant to look after a specific medical condition of an individual. One such comprehensive health insurance plan is the complete health insurance policy by ICICI Lombard Health insurance company. It is one of the comprehensive plans that is available in the market and it can be bought for both individuals and families. It is one of the most preferred health insurance plans in the insurance market due to its suitability.

About ICICI Lombard Complete Health Insurance Policy

This comprehensive health insurance plan is offered by ICICI Lombard Health insurance company and is most preferred among the customers. It has been carefully designed to meet the requirements of the people at an affordable price. It can be bought for either individuals or for a family. It compensates for medical expenses like maternity benefit covers, OPD charges, critical illness cover, donor expenses, etc. The insurer also offers 2 complementary healthcare checkups every year to the family floater plan policyholders and no pre-medical checkups are required for people up to the age of 45 years under this plan.

Must Read: Tax Benefits In Health Insurance

Key Benefits of ICICI Lombard Complete Health Insurance Policy

Following are the key benefits of ICICI Lombard Complete Health Insurance Policy for the policyholders:

• This health insurance policy provides complete coverage and it includes COVID-19 cover for the policyholders. Therefore, the family members insured under this cover are secured against the medical costs of treatments incurred during hospitalization due to coronavirus disease.
• A co-pay clause states that a portion of medical expenses is to be paid by the customer from their pockets. But, under this plan, no co-pay is applicable for both individual and family floater plans.
• If you choose this plan with a sum assured of Rs. 3 Lakhs and above, then you get to be covered for pre-existing diseases after a waiting period of 2 years.
• On exhaustion of the original sum assured under this plan, the customers can refill the amount to their health insurance policies once in a year and unlimited times in the policy tenure.
• The plan does not compromise with your quality of treatment received and therefore, there is no capping on the room rents during hospitalization.
• For every claim free year, rewards and bonuses like the no claim bonus is provided to the policyholders.
• Policyholders can make cashless claims at the network hospitals of the insurer and get quick and hassle free claims without much effort.

Inclusions of The ICICI Lombard Complete Health Insurance Policy

Let us look at some of the basic inclusions of this ICICI Lombard Complete Health Insurance Policy:

• You can cover your whole family under the family floater plan of this policy.
• Free healthcare checkups are provided on family floater plans to the customers under this plan.
• Daycare expenses, hospitalization expenses, medicine bills, room rents, doctors consultation charges, etc. are all covered under this plan.

Conclusion

ICICI Lombard Complete Health Insurance Policy is one of the comprehensive plans that comes with a wide range of exclusive benefits for its policyholders at an affordable price. To make sure that your demands have been met by the insurer, you must carefully go through the policy related documents.

Also Read: Best ICICI Lombard Health Insurance Plans to Buy in 2021

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.