ICICI Lombard
iHealth Plus
The ICICI Lombard iHealth Plus plan is a comprehensive health insurance policy designed to offer enhanced protection with sum insured options ranging from ₹2 lakh to ₹10 lakh. It includes maternity benefits (with a 3-year waiting period) [maximum up to: Normal Delivery of ` 25,000/ Caesarian delivery of ` 50,000/ Pre-Post Natal ` 2,000 each depending on the SI opted for], outpatient consultation coverage up to a specified limit, cumulative bonuses [10% increase up to 50%] for claim-free years and no co-payment clause. The plan allows policyholders to choose any room type without restrictions and offers full restoration of the sum insured [once in a policy year for unrelated illness] after a claim, making it suitable for those seeking extensive and flexible health coverage.
What's good here?
Maternity benefits offered
The insurer will also cover expenses related to maternity— Think hospitalization expenses incurred while giving birth. But they’ll only pay upto ₹50,000 and make you wait 3 years before covering this expense. Also, you’ll only get the benefits if both, you and your spouse are enrolled in a single-family floater plan.
The insurer will also cover expenses related to maternity— Think hospitalization expenses incurred while giving birth. But they’ll only pay upto ₹50,000 and make you wait 3 years before covering this expense. Also, you’ll only get the benefits if both, you and your spouse are enrolled in a single-family floater plan.
You’ll never have to split the bill
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
Reasonable waiting period for pre-existing diseases
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
You can pick any room you like
Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.
Pre & Post hospitalization
Free Health Checkups every year
If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer will cover the costs.
Doctor consultations covered
In the event, you are feeling sick and you want to visit your family physician for a general checkup, the insurer will cover the costs, up to a certain limit. In this case, it’s ₹5,000 annually.
What's bad here?
Has disease wise sub-limits
Your insurance cover won’t be fully available in case you are treated for Cataracts and a few other diseases. Meaning the insurance company has a cap on the total amount they’ll pay out if you are treated for these specific illnesses.
No coverage if you are forced to hospitalize at home
The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. In insurance lingo, they call this a policy with no domiciliary cover.
What's lacking here?
Some Restoration Benefit
Even after you claim part of the cover on one occasion, you will have 100% of the cover restored, if you are hospitalized one more time in a bid to treat a different complication. In the same year, by the way.
Special Bonus for being healthy and not claiming insurance
Your sum insured increases by 10% each year, so long as you make no claims during this period. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 50%. Also, the bonus amount will reduce at same rate each time you make a claim. But hey, it's still a bonus.
Add-on
Convalescence Benefit
With this add-on, the insurance company will payout a fixed amount in case the hospitalization exceeds more than 10 continuous days. This benefit is available once per insured member per policy year.
Frequently Asked Questions
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