ICICI Lombard – Health AdvantEdge

7.8
Expert ScoreRead review
  • Restore Benefit – 100% of the base SI shall be made available even in case of partial utilization of SI for hospitalization due to any illness for same person.
  • Wellness Program: Earn wellness points through activities promoting health behavior like gymming, yoga, etc. You can redeem your earned wellness points against reimbursement of medical expenses like consultation charges, medicine and drugs, diagnostic expenses, dental expenses, wellness and preventive care and other miscellaneous charges that are not covered under any medical insurance.
  • Tele consultation: ICICI will arrange consultations and recommendations for routine health issues by a qualified Medical Practitioner or health care professional.
  • E-opinion (Second opinion).
  • Diet & Nutrition e-consultation.
With ICICI Lombard General Insurance Company Limited, choosing an insurance policy is not just a matter of saving tax at the end of the financial year. It is also about finding a policy that actually works for you. Once selected, a single policy will provide a health cover that fits you and your family like a glove.The plan also covers Air Ambulance charges, ASI (NCB) is protected if claim is less then Rs 50000/year, Claim service Guarantee and unlimited free Tele-consultation and much more.
  • Cover :₹ 75.0 Lakhs
  • Bonus / NCB :10% of cover amount for every claim free year, max up to 50%
  • Copay :No copayment 
  • Claims Settled :97.07%

₹21,113.00

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Category:
Health insurance

ICICI Lombard – Health AdvantEdge

7.8
Expert ScoreRead review


Premium Amount

₹21,113.00

  • Restore Benefit – 100% of the base SI shall be made available even in case of partial utilization of SI for hospitalization due to any illness for same person.
  • Wellness Program: Earn wellness points through activities promoting health behavior like gymming, yoga, etc. You can redeem your earned wellness points against reimbursement of medical expenses like consultation charges, medicine and drugs, diagnostic expenses, dental expenses, wellness and preventive care and other miscellaneous charges that are not covered under any medical insurance.
  • Tele consultation: ICICI will arrange consultations and recommendations for routine health issues by a qualified Medical Practitioner or health care professional.
  • E-opinion (Second opinion).
  • Diet & Nutrition e-consultation.
With ICICI Lombard General Insurance Company Limited, choosing an insurance policy is not just a matter of saving tax at the end of the financial year. It is also about finding a policy that actually works for you. Once selected, a single policy will provide a health cover that fits you and your family like a glove.The plan also covers Air Ambulance charges, ASI (NCB) is protected if claim is less then Rs 50000/year, Claim service Guarantee and unlimited free Tele-consultation and much more.
  • Cover :₹ 75.0 Lakhs
  • Bonus / NCB :10% of cover amount for every claim free year, max up to 50%
  • Copay :No copayment 
  • Claims Settled :97.07%
Category:
100% Cover restoration
Restore Benefit - 100% of the base SI shall be made available even in case of partial utilization of SI for hospitalization due to any illness for same person.
Free Health Check-up
-
Daily cash allowance
NA
Ambulance charges
Road Ambulance: Maximum amount payable is 1% of the Sum insured maximum up to Rs.10,000 per event of emergency hospitalization. Air Ambulance: Covered as per actuals
Pre-hospitalisation
Expenses for 30 days covered
No claim bonus
10% of S.I. per annum, Max upto 50% of S.I.
Post hospitalisation
Expenses for 60 days covered
Ayush treatments
Ayush benefit up to Rs. 7500000
Maternity
NA
Outpatient Expense
NA
Organ donor expenses
NA
New-born treatment
NA
Domiciliary Hospitalisation
Covered up to Rs. 7500000
Recovery allowance
NA
Sum Insured
75 Lakh
E- Consultation
NA

Pros

NA
10% of S.I. per annum, Max upto 50% of S.I.
Ayush benefit up to Rs. 7500000
Domiciliary Hospitalisation
Covered up to Rs. 7500000

cons

Category:

USP of This Plan

  • Restore Benefit – 100% of the base SI shall be made available even in case of partial utilization of SI for hospitalization due to any illness for same person.
  • Wellness Program: Earn wellness points through activities promoting health behavior like gymming, yoga, etc. You can redeem your earned wellness points against reimbursement of medical expenses like consultation charges, medicine and drugs, diagnostic expenses, dental expenses, wellness and preventive care and other miscellaneous charges that are not covered under any medical insurance.
  • Tele consultation: ICICI will arrange consultations and recommendations for routine health issues by a qualified Medical Practitioner or health care professional.
  • E-opinion (Second opinion).
  • Diet & Nutrition e-consultation.
With ICICI Lombard General Insurance Company Limited, choosing an insurance policy is not just a matter of saving tax at the end of the financial year. It is also about finding a policy that actually works for you. Once selected, a single policy will provide a health cover that fits you and your family like a glove.The plan also covers Air Ambulance charges, ASI (NCB) is protected if claim is less then Rs 50000/year, Claim service Guarantee and unlimited free Tele-consultation and much more.
  • Cover :₹ 75.0 Lakhs
  • Bonus / NCB :10% of cover amount for every claim free year, max up to 50%
  • Copay :No copayment 
  • Claims Settled :97.07%

Our Take

7.8Expert Score
  • Restore Benefit - 100% of the base SI shall be made available even in case of partial utilization of SI for hospitalization due to any illness for same person.
  • Wellness Program: Earn wellness points through activities promoting health behavior like gymming, yoga, etc. You can redeem your earned wellness points against reimbursement of medical expenses like consultation charges, medicine and drugs, diagnostic expenses, dental expenses, wellness and preventive care and other miscellaneous charges that are not covered under any medical insurance.
  • Tele consultation: ICICI will arrange consultations and recommendations for routine health issues by a qualified Medical Practitioner or health care professional.
  • E-opinion (Second opinion).
  • Diet & Nutrition e-consultation.
With ICICI Lombard General Insurance Company Limited, choosing an insurance policy is not just a matter of saving tax at the end of the financial year. It is also about finding a policy that actually works for you. Once selected, a single policy will provide a health cover that fits you and your family like a glove.The plan also covers Air Ambulance charges, ASI (NCB) is protected if claim is less then Rs 50000/year, Claim service Guarantee and unlimited free Tele-consultation and much more.
  • Cover :₹ 75.0 Lakhs
  • Bonus / NCB :10% of cover amount for every claim free year, max up to 50%
  • Copay :No copayment 
  • Claims Settled :97.07%
Best values score
7.8

Policy Exclusions :

Any claim other than accidental claims inside 30 day waiting period

Obesity & weight control
Any claim for PEDs made during the waiting period of 36 months for 1 & 2 year policies or 30 months for 3 year policy.
Change of gender treatments
Any claim for specific procedures or diseases during the waiting period of 24 months
Cosmetic or plastic surgery
Investigation & Evaluation
Hazardous or adventure sports
Rest care & rehab outside the limits covered
Breach of law
Alcholism, drug or substance abuse
Excluded providers
Treatment recieved in nature clinics, health hydros, spas, etc and dietary supplements and substances purchase without prescription
Refractive error
Unproven treatments
Sterility, Infertility expenses and Maternity expenses over and above those covered in the policy

Claims settlement

If you go to a non-network hospital, you will have to get the claim settled on reimbursement basis by providing the original bills and documents to the insurer
If you get admitted to a network hospital, you can get a cashless authorization from the insurer and then the insurer will settle the expenses directly with the hospital.
ICICI Lombard – Health AdvantEdge
₹21,113.00

ICICI Lombard – Health AdvantEdge

★★★★★
Added to wishlistRemoved from wishlist 0
Add to compare
7.8Expert Score
  • Restore Benefit - 100% of the base SI shall be made available even in case of partial utilization of SI for hospitalization due to any illness for same person.
  • Wellness Program: Earn wellness points through activities promoting health behavior like gymming, yoga, etc. You can redeem your earned wellness points against reimbursement of medical expenses like consultation charges, medicine and drugs, diagnostic expenses, dental expenses, wellness and preventive care and other miscellaneous charges that are not covered under any medical insurance.
  • Tele consultation: ICICI will arrange consultations and recommendations for routine health issues by a qualified Medical Practitioner or health care professional.
  • E-opinion (Second opinion).
  • Diet & Nutrition e-consultation.
With ICICI Lombard General Insurance Company Limited, choosing an insurance policy is not just a matter of saving tax at the end of the financial year. It is also about finding a policy that actually works for you. Once selected, a single policy will provide a health cover that fits you and your family like a glove.The plan also covers Air Ambulance charges, ASI (NCB) is protected if claim is less then Rs 50000/year, Claim service Guarantee and unlimited free Tele-consultation and much more.
  • Cover :₹ 75.0 Lakhs
  • Bonus / NCB :10% of cover amount for every claim free year, max up to 50%
  • Copay :No copayment 
  • Claims Settled :97.07%
Best values score
7.8

Specification: ICICI Lombard – Health AdvantEdge

Co-pay

Claims settlment Ratio

Sum Insured

100% Cover restoration

No claim bonus

Free Health Checkup

Ambulance charges

Daily Cash Allowance

Pre-hospitalisation Expenses

Post hospitalisation expenses

Organ donor expenses

Maternity

New-born treatment

Domiciliary Hospitalisation

Outpatient

Ayush treatments

Day Care Procedures

Abundance of network hospitals

Pre-existing diseases (PED)Coverage

Recovery allowance

Room Rent Limit

Tele-Consultation

The waiting period

Treatment at Home

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ICICI Lombard – Health AdvantEdge
ICICI Lombard – Health AdvantEdge

₹21,113.00

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