Life is full of surprises and one medical emergency can severely alter your plans by forcing you to dip into your hard earned savings meant for better purposes. ICICI Lombard brings you a Family Health Insurance with a unique feature of Floater cover. This unique single policy family plan provides coverage to the tune of sum insured to every individual family member.
Key Benefits
Floater Cover - The entire family is covered under on Sum Insured, hence any member of the family can claim up to Sum Insured, any number of times during the policy period.
Comprehensive Cover - You can avail of cashless hospitalization across the country at network hospitals of the TPA appointed by the company. A list will also be sent to you with your policy and ID card.
Income Tax Benefit - The premium payable is eligible for tax rebate as per Sec. 80D of Income Tax Act. (Premium payable only by cheque.)
No Claim Discount - If no claim made in a year a discount of 5% will be given on renewal premium.
Policy CoverageHospitalization:
Medical Expenses incurred as an inpatient during hospitalization for more than 24 hours.
Pre-hospitalization up to 60 days.
Post-hospitalization up to 90 days.
Day care procedures like dialysis, hospitalization also covered radiotherapy etc. that require less than 24hours.
Medical Expenses incurred as an inpatient during hospitalization for more than 24 hours.
Pre-hospitalization up to 60 days.
Post-hospitalization up to 90 days.
Day care procedures like dialysis, hospitalization also covered radiotherapy etc. that require less than 24hours.
Policy Exclusions
First 30 days, only accidents covered
Pre-existing diseases for first 3 years
Pregnancy and child birth related
HIV / AIDS
Plastic / Cosmetic surgery
International self-injury
Use/misuse of drugs or alcohol
War, riot, strike, terrorism acts, nuclear weapon induced
Non-allopathic treatment
Certain chronic diseases like cataract and tonsillectomy not covered for the first year
First 30 days, only accidents covered
Pre-existing diseases for first 3 years
Pregnancy and child birth related
HIV / AIDS
Plastic / Cosmetic surgery
International self-injury
Use/misuse of drugs or alcohol
War, riot, strike, terrorism acts, nuclear weapon induced
Non-allopathic treatment
Certain chronic diseases like cataract and tonsillectomy not covered for the first year
