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Bharti AXA General Insurance is now part of ICICI Lombard General Insurance.
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08/12/2020 11:53:14
Cashless health care for mild sickness to hospitalisation
Comprehensive policy for the whole family. Comes with exclusive benefits like no room rent capping, no co-payment, OPD cover & lifelong renewability. Coverage starts from ₹5 lakh for a monthly premium as low as ₹542*.
A to z of hospitalisation expenses covered
Increase your existing cover value
Super top-up policy to enhance your existing health coverage. Covers your medical expenses when your basic insurance plan falls short. Coverage goes up to ₹50 lakh.
Accident protection
Accident protection policy. Gives coverage against death or permanent total disablement (PTD) due to an accident. Coverage goes up to ₹25 lakh.
*No medical tests will be required for insurance cover below the age of 56 years and sum insured up to ₹20 lakh. **As of FY 2020-21 ^Turnaround time of 60 minutes is from the time of receipt of complete documents, on best effort basis in Covid-19 times.
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A medical insurance policy, also called as health insurance, covers medical expenses for illnesses or injuries. It reimburses your bills or pays the medical care provider directly on your behalf. A comprehensive medical insurance covers the cost of hospitalisation, daycare procedures, medical care at home (domiciliary hospitalisation), ambulance charges, amongst others.
A health insurance plan helps you stay covered against various diseases. Additionally, it helps you boost tax savings. Under section 80D of the Income Tax Act, 1961, you can claim tax benefits against your health insurance premium.
A comprehensive health insurance plan in India comes with many advantages.
ICICI Lombard's Befit plan is tailored to cover the expenses of all your minor and severe health concerns, including teleconsultation with the doctor, pharmacy, and routine diagnostics on a cashless basis.
One of the key benefits of a health insurance policy is that it covers your medical expenses incurred just before and after hospitalisation.
A health plan covers you for a pre-existing disease once you have completed the waiting period mentioned in the policy certificate.
At the time of hospitalisation, you don’t have to worry about arranging cash to pay your hospital bill. Your health insurance company will settle it directly with the hospital if it is in their network.
You can claim a tax deduction on health insurance insurance premium under section 80D of the Income Tax Act, 1961.
Keeping healthy has its own benefits. You can enjoy additional sum insured for every claim-free year as per the policy certificate of your health plan.
We offer reliable health insurance plans that take complete care of your medical expenses.
ICICI Lombard’s Complete Health Insurance policy provides you with extensive coverage during a medical emergency. The medical policy gives you access to a wide range of cashless hospitals nationwide.
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Health Booster policy makes your health insurance more potent. It is a super top-up plan that acts as a backup in case your base plan gets exhausted. You can also purchase a Health Booster plan with ICICI Lombard without having a base plan.
Arogya Sanjeevani Policy, ICICI Lombard is a health plan that takes care of your basic healthcare needs. It comes at an affordable premium with flexible sum insured options starting from ₹1 lakh.
Get coverage for your OPD requirements on a cashless basis. Befit covers your expenses across physical and virtual consultation by general, specialist and super-specialist doctors as well as physiotherapy sessions. This cover also caters to your other out of pocket expenses such as pharmacy, minor procedures, routine diagnostics and wellness program.
In-house claim settlement team that helps you 24x7. And, that’s just the beginning.
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Go for the health insurance plan that suits your needs the best!
It is the maximum amount that you can claim in a policy year for hospitalisation. If you are looking for a policy with a lesser coverage (under ₹5 lakh sum insured), you may opt for Arogya Sanjeevani Policy, ICICI Lombard. But, if you need an extensive coverage (above ₹5 lakh sum insured), you should go for ICICI Lombard Complete Health Insurance, our comprehensive health insurance policy. In case you already have a group health insurance and need a super top-up plan, then you can buy our Health Booster policy.
It is the bonus amount that is added to your sum insured for every claim-free year. While you can earn up to 10% additional sum insured with ICICI Lombard Complete Health Insurance and Health Booster policy, you can earn up to 5% with Arogya Sanjeevani Policy, ICICI Lombard. The maximum cumulative bonus that can be earned across our health insurance plans is 50%.
You can purchase our add-ons at an additional premium. If you wish to customise your health plan with our add-ons that cover maternity, donor and OPD expenses, then you can consider ICICI Lombard Complete Health Insurance policy. We also let you customise our Health Booster policy with add-ons like critical illness cover critical illness cover, personal accident cover, hospital daily cash, etc.
See what’s covered in our health insurance plan!
Health insurance helps in protecting your savings in case of a medical emergency.
Health insurance covers the cost of treatment for illness due to medical conditions, including lifestyle diseases such as diabetes, hypertension and obesity.
Employer provided health insurance may not provide adequate coverage. You’ll still need to buy health insurance plans to supplement them.
When you buy health insurance, you can avail tax benefit under section 80D.
Fixed benefit plans guarantee a payout if something unexpected happens. If an insured person dies or becomes permanently disabled due to an accident, a fixed benefit plan will settle the claim.
Since the claim settlement is based on the occurrence of fatality, the documents required are minimal.
Some fixed benefit plans also cover the insured family's needs in the event of death.
Look for the coverage offered under different health insurance plans and choose as per your needs and budget.
Check various modes of premium payment to see if your preferred one is available.
Before purchasing a health insurance plan, see whether your policy covers pre-existing illnesses or not. There is usually a waiting period for certain medical conditions under health insurance. Check your health policy for it before buying.
Go through the list of network hospitals available with your insurer. Ensure your nearest hospital is on the list.
The IRDAI (regulatory body for insurance) has mandated health insurance companies to offer coronavirus cover in existing health policies.
The COVID-19 claim process is similar to any other medical condition.
The policy covers both pre and post hospitalisation expenses related to COVID-19.
Different health insurers offer different plans with different features. By comparing, you can choose a health insurance plan that works the best for you.
Premium quotes comparison can help you figure out a health policy that fits your budget.
You can check for value-added services like complimentary health check-ups offered by different insurers. Thus, on comparing, you’ll be able to decide the best health insurance policy for yourself.
Visit the health insurance section of the ICICI Lombard website.
Enter basic information such as contact details, proposer's information, pre-existing illness details etc.
Customise your policy by choosing the desired sum insured, policy terms, and other information.
Make an online payment using our secure payment gateway.
With us, you can buy instant health insurance online by providing a few details.
ICICI Lombard has a network of 6500+ hospitals where you can avail cashless facility.
We care for you and are always there to help you 24×7.
Through our IL Take Care app, you can experience speedy claim settlement by sharing your policy details and uploading relevant documents.
Under the Income Tax Act of 1961, if you are under 60 years of age, you can get a tax exemption of up to ₹25,000 on your health insurance policy premium.
Senior citizens are allowed a maximum tax deduction of ₹50,000 on their policy premium.
If the premium is paid for both individuals and parents under 60 years of age, the maximum deduction allowed is ₹50,000.
If the premium is paid for an individual and family below 60 years, but parents above 60 years, the maximum deduction allowed is ₹75,000.
If both individuals and parents are above 60 years, the premium is subject to the maximum tax deduction of ₹1 lakh.
Preventive health check-ups are allowed an additional deduction of ₹5,000. However, this cannot exceed the maximum deduction threshold of ₹25,000 or ₹50,000, depending on the individual insured in the health policy.
These deductions are provided under section 80D of the Income Tax Act, 1961.
If you are planning to secure your family, a family floater health insurance is ideal for you. By paying a single premium for family floater health insurance, you may cover your parents as well as your children.
If you are young and have just started your career, an individual insurance plan will be a great idea for you. Being young and free from any pre-existing illness, you can get the health policy for an affordable premium.
If you or your parents, both or only your parents are above the age of 60 years, choose a health insurance plan that comes with critical illness cover.
Health insurance policies that offer sufficient coverage and cover a wide range of illnesses always make a good pick.
You can compare and choose the appropriate health insurance plan from a wide range of options for plans and insurers.
You can also get a premium quote instantly by sharing your basic details and get covered immediately by paying the same.
You may get a lower premium as there is no involvement of middlemen.
Buying online health insurance saves your time and effort.
You can get a health policy at a lesser premium. This is because, for the insurance company, the lower the age, the lesser is the health risk associated.
You are exempted from the mandatory health check-ups that people of a certain age must undergo to obtain health insurance.
Usually, health insurance policies have waiting periods for certain conditions. When you start young, you complete them sooner.
Under this add-on, we cover serious medical conditions such as cancer of specified severity, open chest CABG, first heart attack of specified severity, and kidney failure requiring regular dialysis.
You get a daily cash allowance for your hospital stay with this add-on. It helps you bear some share of your out-of-pocket expenses that may not be otherwise covered under hospitalisation.
Depending on your plan, you get the medical expenses incurred by the organ donor covered under this add-on. The terms and conditions of this add-on are pre-specified.
You get a specified amount as per your policy contract if hospitalised for certain consecutive days for illness with this add on.
The proposer must be over the age of 21 to be eligible for health insurance.
The minimum age for a child to be covered by a health policy in the case of a family floater policy is above 3 months.
The maximum size allowed under the family floater policy is two adults and two children.
If you are above 56 years of age, you need to undergo a medical check-up at our designated centre. Depending upon your health condition and any pre-existing disease, your eligibility for health insurance will be determined.
You can calculate your health insurance premium by using our online premium calculator. Just enter your basic details such as your age, place of residence, and the amount of cover you want. For family coverage, you must provide the number of individuals you wish to insure as well as the oldest member's age—and you’ll get to know the premium amount in a few clicks. Always remember, the policy premiums are influenced by age, city, lifestyles, BMI, occupation type, etc.
Age is one of the crucial factors that determine your health policy premium. As a general rule, the older you are, the higher your premium will be, and vice versa.
If you have any pre-existing medical condition, you may have to pay higher health insurance premiums.
Your occupation can significantly impact the cost of your insurance policy. Working in hazardous conditions such as a construction site or a mine increases insurance premiums.
If you choose a higher policy duration, the policy premium will be lower.
BMI index directly relates to diseases such as diabetes, obesity, heart disease, etc. A person with a high BMI index has to pay a higher premium on their health insurance.
If you are a smoker or an alcoholic, the premium charged will be higher when compared to that of a non-smoker or someone who doesn’t consume alcohol.
Geographical areas with harsh climatic conditions also result in high health policy premiums.
When compared to group health insurance or family floater policies, purchasing a separate policy for each member of your family will result in a higher premium. In addition, health insurance add-ons also raise the cost of your policy's premium.
Opting for co-insurance in a health insurance policy also lowers the policy premium.
At ICICI Lombard, the claim settlement process is very simple and convenient.
Below are the steps to make a claim
Contact us on our 24x7 toll-free number 18002666 to intimate the claim.
Keep your documents such as consultation, pharmacy, hospital bills, payment receipts, doctor's prescriptions, etc., handy.
Fill the online claim form and upload the relevant documents.
Post verification, we will settle the claim with our network hospital in case of a cashless claim or transfer the claim amount to your account if you claimed for reimbursement.
Duly filled claim form with your signature and valid identity proof.
Doctor's prescription recommending hospitalisation, diagnostic tests and medicines.
Original invoice of pharmacy bills, indoor case papers and ambulance receipt.
Policy documents stating the name, address, illness and other details of the insured.
Any other documents that we may deem fit at the time of claim settlement.
Renewing your health insurance with ICICI Lombard is just a click away. To get an instant renewal, all you have to do is:
Click here to visit our health insurance renewal page.
Enter your existing policy number or your registered mobile number.
Click on ‘Proceed.’
Follow the instructions for health insurance renewal online.
To renew your health insurance, you can also visit the link sent to your registered mobile number and email id.
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