ICICI Lombard Health Insurance Benefits

These are a few features under ICICI Lombard:-

• Unrestricted Room Rent Coverage:- Under this feature, the policyholder has the advantage of comfort while recuperating. ICICI Health AdvantEdge covers the cost of your room rent and the beneficiary can choose a private or shared room.
• Free Health Check-ups annually:- Under plans like the ICICI Health AdvantEdge plan the policyholder has the benefit of free health check-ups. If the plan is Family floater-based, the policyholder is provided 2 medical coupons annually.
• Quick Claim Settlement:- ICICI Lombard offers their policyholder quick claim settlement through their “IL Take Care App”. With the help of this app, customers can get their claims settled within approximately 2 hours.
• Domiciliary Hospitalisation Coverage:- Some plans cover domiciliary hospitalisation expenses. The benefit is only required if the hospital has fewer hospital beds or if the patient is not in a condition to be moved.

The benefits for a customer choosing ICICI Health Insurance are as follows:-

• Maternity Benefit:- Health insurance under ICICI Lombard covers maternity benefits. This benefit covers the expense of child delivery, pre and post-natal care, mother and child care expenses, etc.
• Sum Insured Protector:- During inflation settling claims is difficult. However, Sum Insured Protector is a benefit that protects you during the inflation period allowing you to get your claim without any delays or problems.
• Co-payment Option:- It is mostly beneficial for people who are in good health or anyone who is less prone to falling sick or contracting any disease (mostly in the case of young adults). You can choose a 10% or 20% co-payment in your claim.
• Tele-consultation:- Consulting doctors affiliated with your insurance through calls, texts, or video calls is an added benefit under ICICI Lombard health insurance.
• Additional protection over Employee Coverage:- This benefit is provided by people who want to enhance the group insurance provided by their employer.
• Cashless Benefit:- Policyholders have the benefit of cashless claims under all their network hospitals. ICICI Lombard covers 5000+ hospitals under its network. This makes it easier for the policyholder to settle their expenses. With cashless anywhere, now policyholders can avail of cashless claim benefits at non-network hospitals as well provided those hospitals are not under an excluded or blacklisted list of the insurer.
• Coverage against Medical Expenses:- This benefit covers all medical expenses during the treatment process saving a customer any out-of-pocket expense. It covers the doctor’s fees, room rent, surgery fees, etc. This also covers all AYUSH-related treatments.
• Tax Benefits:- Under Section 80D, the policyholder gets tax benefits up to Rs. 55,000. Tax benefits are received on the premiums paid.

Q.1:- Are there any plans under ICICI Lombard plans for senior citizens?

Ans:- Yes, ICICI Lombard’s Golden Shield Policy covers all senior citizen-related problems without any restriction on the maximum entry age.

Q.2:- Does ICICI Lombard provide cashless claims?

Ans:- Yes, ICICI Lombard provides cashless claims instantly after the authorisation of their requests.

Q.3:- Is pre and post-hospitalisation covered by ICICI Lombard?

Ans:- Yes, pre and post-hospitalisation is covered under ICICI Lombard. They provide cashless claims too.

Q.4:- Are pre-existing diseases covered under any ICICI Lombard?

Ans:- Yes, expenses of pre-existing disease are covered by ICICI Lombard health insurance, however, It can only be claimed after the certain waiting period for the disease is over.

Q.5:- Are maternity and newborn expenses covered by ICICI Lombard?

Ans:- Yes, both pregnancy and newborn-related expenses are covered by ICICI Lombard. It covers pre and post-pregnancy, delivery, etc. making the process stressless for the mother.