How is ICICI Lombard Health Insurance?

Health insurance or a medical policy protects against all medical expenditures, including injuries and diseases. The insurance will reimburse and pay the bill to the hospital or medical care provider directly on the patient's behalf. It covers the costs for the daycare processes, hospitalization, domiciliary hospitalization or home medical care, ambulance charges, and many more. The medical policy will protect you against diseases or medical emergencies. Additionally, you can claim tax advantages under the 80D section of 1961 against the insurance premium of your medical policy. 

Different Types of plans of ICICI Lombard Health Insurances

Three types of ICICI Lombard medical policies will take care of your medical expenditures. They are as follows.

• Complete Health Insurance

This insurance policy will deliver you with high coverage during any medical emergency. You can access an extended network of cashless hospitals in any city across the country. With the option for the family floater, you can also include your family members in this policy. This insurance will cover maternity, critical illness, OPD, donor expenses, and many more. The most prominent features of this health insurance are:

1. No restriction on the room rent of the hospital
2. No need for pre-medical checkups till 45 years of age
3. No necessity for co-pay
4. 2 Complimentary coupons for health checkups each year
5. Entire coverage for any previously existing diseases
6. Coverage for COVID Hospitalization

• Health Booster Insurance

It is a top-up plan that acts like a backup when your basic plan gets exhausted due to any medical urgency. For example, whenever a person gets hospitalized, there can be a high bill of up to 12 lakhs. But his health insurance is only for nine lakhs. So how to pay the remaining three lakhs to the hospital? It is sometimes impossible to produce such a massive amount for healthcare providers. In this scenario, health booster insurance can help you. The best features of this insurance plan include:

1. High sum insured from 5 to 50 lakhs according to the family or individual necessities
2. Flexible alternatives to select from for the deduction
3. 12.5% and 10% discount on the three and 2-year health policies, respectively
4. Access cashless treatment in more than 6700+ hospitals and healthcare providers in India
5. Faster response for cashless claims in 4 hour
6. Reimbursement claim response within 14 days from the commencement

• Arogya Sanjeevani Policy

This health insurance from ICICI Lombard handles the basic healthcare necessities. You can pay an affordable premium with the sum insured from 1 lakh onwards till five lakhs. The best features of Arogya Sanjeevani insurance include:

1. Family floating system to include spouse, children, and dependent parents
2. Provide post and pre-hospitalization expenditures
3. Basic room charges and special consultant and doctor fees
4. Pays for medical bills for more than 24-hour hospitalisation
5. Includes daycare procedure costs
6. Helps to avail cashless medical facility

• Personal Protect Plan

This health insurance plan can get permanent total disablement (PTD) or accidental death coverage. In case of a minor injury, you will get monetary support for each day spent in the hospital. There is no need for any pre-checkup tests to avail of this policy. The plan starts from 3 lakhs to 25 lakhs.

• Corona Kavach Plan

It is COVID-19 centric policy addressing the basic health requirements in this pandemic. Do not be worried about the medical expenses if the virus attacks you. The sum insured for this plan ranges from 50,000 to 5 lakh INR. Hospital room rent, specialists fees, nursing expenses, homecare treatment, and many more benefits are present in this plan. 

Summing it up

ICICI Lombard health insurance will protect your lifelong savings if you have a medical urgency. We hope the above-mentioned plans help you find the one that matches your requirements in the best possible manner. Stay insured, stay safe!

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