ICICI Lombard – Health AdvantEdge
- 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.
- Cover :₹ 50.0 Lakhs
- Bonus / NCB :10% of cover amount for every claim free year, max up to 50%
- Copay :No copayment
- Claims Settled :97.07%
₹18,440.00
ICICI Lombard – Health AdvantEdge
Premium Amount
₹18,440.00
- 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.
- Cover :₹ 50.0 Lakhs
- Bonus / NCB :10% of cover amount for every claim free year, max up to 50%
- Copay :No copayment
- Claims Settled :97.07%
100% Cover restoration
Free Health Check-up
-
Daily cash allowance
Ambulance charges
Pre-hospitalisation
No claim bonus
Post hospitalisation
Ayush treatments
Maternity
Outpatient Expense
Organ donor expenses
New-born treatment
Domiciliary Hospitalisation
Recovery allowance
Sum Insured
E- Consultation
Pros
Domiciliary Hospitalisation
cons
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.
- Cover :₹ 50.0 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
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.
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Specification: ICICI Lombard – Health AdvantEdge
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