A maximum 4 times related to any of the services opted by the Insured would be allowed under this add-on . The insured would be able to claim only for the services opted for by him at the time of Policy issuance.

Buying health insurance at a young age is a prudent decision as it provides several significant benefits like lower premium. Purchasing insurance at 25 years of age benefits the insured with a lower premium amount, as insurers are aware that people are comparatively more fit in their 20s than in their 40s, and are less likely to fall sick due to a strong immune system. The low premium is subject to change however, and is not fixed. It can be changed for various reasons, such as change in age slabs or product and even revision in tax laws. To know more,click here.

Any condition, aliment or injury or relation condition(s), for which the insured had signs or symptoms and/or diagnosed and/or received medical advice/treatment within 48/24* months prior to the first policy with the insurance company. (* as per selected plan)

The duration only after which a claim can be made is called the waiting period.

Yes, waiting periods will be applicable afresh in relation to the amount by which the Sum Insured has been enhanced.

For example, if the waiting period for maternity cover is 3 years, any expenses under this cover can be claimed only after 3 years from the date of policy inception.

Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy.

Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy.

Sub limit defines the capping of insurance amount, for specific surgeries and medical procedures, which reduces the premium of the plan. Same is as per the plan selected by customer.

In a floater option single policy under one Sum Insured covers all in the family for eg 2Adults, 2 A 1C,2A 2C, 2A, 3C, 1A2C , 1A 1C.The Sum Insured can be used by any one in the family or all covered in the policy multiple number of times till the time the limit is exhausted.

The age eligibility of the insured for taking the policy is the Entry Age

The age after which the insured cannot take or renew the policy is the Exit Age

Policy Period is the period for which the policy is valid.

The amount paid to avail the covers in the policy is called premium.

The amount paid back by the insurer for the expenses incurred by the insured is called reimbursement.

Co-payment refers to the amount expected to be paid by the insured for a medical services covered by the plan. ICICI Lombard Complete Health Insurance does not have any co-payment clause.

Immediate Relative would mean the insured's spouse, dependent children & dependent parents

The disease under Permanent Exclusions will not be covered in the Health Insurance plan.

Date of inception is the date from which the policy becomes valid.

Mandatory covers come inbuilt in the plan. The customer does not have the option to exclude it from the plan.

Optional covers come as add-ons in the plan. The customer has the option to include it in the plan.

Deduction u/s 80 D of income tax act is available from taxable income for premium paid towards health insurance
A) For self, spouse and dependent children - (Maximum Rs. 25,000/-)
If you are 60 years and above - (Maximum Rs. 30,000/-)

B) For Parent (s) (Maximum Rs. 25,000/-)
* In case Parent (s) are resident senior citizen (Maximum Rs. 30,000/-)

For any insured member who is more than 45 years age

The medical tests can be conducted at any designated centers identified by ICICI Lombard.

Individual plan has to be separate for every individual.

Floater covers all in family ( max 2 Adults and 3 Children) and provides one sum insured to all, hence there is saving of premium

It's as per your choice, but you would have to intimate us of the same and the concerned insurance company

If the number of adults or number of children are more than 2+3, you need to buy an additional policy for the additional members. There can be a maximum of 2 adults and 3 children in a policy

No, a higher cover does not entitle you to preferential treatment. Irrespective of the insurance cover you buy - either a 2 Lakh cover or a 4 Lakh cover - you will get high quality service and treatment at our network hospitals.

In a floater option, a single policy under one Sum Insured covers all in the family.
For e.g., 2 adults, 2 adults and 1 child, 1 adult and 2 children, 2 adults and 3 children, 1 adult and 2 children, 1 adult and 1 child. The Sum Insured can be used by anyone in the family or all covered in the policy multiple number of times till the time the limit is exhausted.

No, the two are bundled and have to be taken together. You can't choose only Critical illness or only Donor expenses cover.

No, both are bundled & have to be taken together. You can’t choose only Hospital Daily Cash cover or only Convalescence Benefit cover.

Yes. For example, if you have a cover of INR 10,000 for maternity and incur an expense of INR 15,000 then you will have to pay INR 5,000 by yourself.

You can claim convalescence benefits once in a year.

Yes, you will be required to pay the premium again.

All the expenses including room rent, pre/post hospitalisation, etc. related to treatment are capped up to the amount mentioned in the sub limit bracket.