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| Health Insurance Industry Updates |
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| Complete Health Insurance (CHI) |
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| Secure your family against financial emergencies during sudden illness, surgery and accidents as well as against terrorist activities. "Complete Health Insurance" (CHI)" Insurance plan lets you share the entire sum insured among the family members covered under the policy, without any individual upper limits. |
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| Policy Details : |
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| Key Benefits |
- Comprehensive coverage for your family with floater benefit
- Cashless claims facility at over 4000+ network hospital across India. Highest tie-ups with best hospitals and Nursing Homes across PAN India
- Continue to enjoy quality service even during claim settlements with - ICICI Lombard Health Care - our own in-house health claim processing and wellness team
- No sub-limits on room rent, doctor fees, and hospital charges or for any disease (except Cataract where Rs. 20,000 per eye is applicable).
- No co-payments for any disease or any hospitalization expenses
- Tax Rebate under Section-80D
- Life long renewal
- Ambulance Charges
- FREE "Medical Checkup Coupon" for any one member of family in Plan* (Floater Plan)
- Covers advanced technological surgeries & procedures that require less than 24hours of hospitalization. (Modern Day Treatment)
- 30 days PRE and 60 days POST hospitalization Expenses are covered
- Medical test to taken above 45 yrs of age
- All disease & surgeries are covered in case of 24 hours hospitalization. (except-PED, Two year exclusions & Permanent exclusion)
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| What is not covered |
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| Any illness contracted within 30 days of the inception date of the Policy, except those that are incurred as a result of an accident. This clause is not applicable on the subsequent renewals. |
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| Exclusions valid for the first 2 Years |
- Treatment of the following diseases/illness/ailments:
- Cataract
- Benign Prostatic Hypertrophy
- Myomectomy, Hysterectomy unless because of malignancy
- Hernia, Hydrocele
- Fistula in Anus, Piles
- Arthritis, Gout, Rheumatism
- Joint replacement, unless due to accident
- Sinusitis and related disorders
- Stone in the urinary and biliary systems
- Dilatation & Curettage
- Skin and all internal tumors / cysts / nodules / polyps of any kind, including breast
lumps, unless malignant / adenoids and hemorrhoids
- Dialysis required for chronic renal failure
- Surgery on tonsils, adenoids and sinuses
- Gastric and duodenal ulcers
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| Exclusions |
- Any illness/ disease/ injury/ pre-existing disease before the inception of the policy for the first 4 years.
- Non-allopathic treatment, pregnancy and childbirth related complications, cosmetic,
aesthetic and obesity related treatment.
- Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs as well as intentional self injury.
- Any Medical expencesincurred during the first 30 days of inspection of the policy, except those arising out of accidents. This ixclusion dosen't apply for subsequent renewals with company with out a break.
- War, riots, strike, nuclear weapon, induced treatment
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