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| Top Up Health Insurance Policies from Companies in India |
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| 3- Health Care Plus Top Up Cover from ICICI Lombard General Insurance Company Limited |
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| Key Benefits |
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Individual Cover for each member of the family
Flexible Sum Insured
Flexible Deductibles
Long term cover from 1 year to 3 years.
Entry Age: 5 years to 65 years and Renewable up to 70 years
No sub-limits on room rent, hospitalisation expenses, diagnostic tests/ doctors fees, etc.
No Co-payment
Free Health Check-up for any one insured member upon policy renewal
Income Tax benefit under section 80D.
Access to ICICI Lombard Healthcare Value-added Services
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| What is covered |
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| The Company will indemnify, subject always to the Limit of Indemnity, the Insured against: |
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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
Hospitalization Expenses (without sub limits) covering all your
Bed Charges/ Room Rent
Drs/ Surgeons Fees
Medicines and surgical suppliest
Diagnostic Tests (Blood and radiological)
Pre-existing diseases after 4th consecutive renewal of the Health care plus policy with the company
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| The Coverage provided under Health Care Plus policy is independent of any other Group/ Individual/ Floater policy held by the insured. |
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| What is not covered |
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Any expense incurred prior/ post Hospitalization
Pre-existing Diseases covered only after 4 consecutive renewals with the company
Expenses incurred on treatment of following diseases within the first 2 years from the commencement of the Policy, will not be payable:
Cataract
Benign Prostatic Hyperplasia
Benign tumors
Arthritis and related disorders
Stones Kidney and Gall bladder
Ulcer- Gastric, Peptic, Duodenal
D&C and hysterectomy unless for Malignancy
Tonsillitis, sinusitis and related surgeries
ernia and Hydrocele
Medical charges incurred within 30 days of inception date of the policy except thosethat are incurred as a result of bodily injury caused by an accident. This exclusion does not apply for subsequent renewals with the Company without a break.
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| Permanent Exclusions |
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Any Physical, Medical or mental condition or treatment or service which is specifically excluded in the Policy in Part I of the Schedule under Special Conditions
Routine medical, eye and ear examinations, cost of spectacles, laser surgery, contact lenses or hearing aids, vaccinations, issue of medical certificates and examinations as to suitability for employment or travel
Internal congenital illness
Suicide or self-inflicted injury
Alcohol or Drug Abuse
Illness or Injury whilst performing duties as a serving member of a military or police force
Treatment relating to birth defects and external congenital illnesses
All dental treatment unless due to accident
Treatment traceable to Pregnancy and Childbirth, abortion and its consequences, tests and treatment relating to infertility and invitro fertilization. This will not apply to Ectopic Pregnancy proved by diagnostic means and is certified to be life threatening by the Medical Practitioner
Birth control procedures and hormone replacement therapy
Prosthesis, corrective devices and medical appliances which are not required intra-operatively or for the illness for which the Insured was hospitalized
Treatment of mental illness, stress, psychiatric or psychological disorders, Aesthetic treatment, Cosmetic surgery and Plastic surgery unless necessitated due to accidentor as a part of any illness
Circumcision unless necessary for treatment of a diseases or necessitated due to an accident
Vaccination and inoculation of any kind
Any Sexually transmitted diseases. Acquired Immune Deficiency Syndrome (AIDS), AIDS related complex syndrome (ARCS) and all diseases caused by and/ or related to the HIV
The performance of hazardous sports of any kind
Treatment by a family member and self-medication or any treatment that is not scientifically recognized
Flying other than as a passenger on a scheduled regular carrier
Any criminal act
War invasion, act of foreign enemies, hostilities (whether declared or not), civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, riot, strike, lockout, military or popular uprising, civil commotion martial law, loot, sack and pillage
Nuclear weapons, materials ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel
Experimental and unproven treatment, diagnostic tests and treatment not consistent with or incidental to the diagnosis and treatment of any illness or injury for which hospitalization is required
Costs of donor screening or treatment including surgery to remove organs from a donor in case of transplant surgery
Non-allopathic treatment
Treatment taken at home or received outside the country
Treatment taken from persons not registered as Medical Practitioners under respective medical councils
Vitamins and Tonics, Treatment of obesity, general debility, convalescence, run-down condition and rest cure
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