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For Comparative Insurance Quote: Om Plaza, 430/7, 1st Floor, Sant Nagar, East of Kailash, New Delhi-65
Phone: 011-41324957, 41623784, Mob:+91-8447757651 & 53 Email:
Top Up Health Insurance Policies from Companies in India
  Last Updated On- 05, April 2012
(1) Who offers TOP UP Health Insurance Policy   (2) Policy Wording/ Proposal Form/ Brochure
(3) Various TOP UP Health Insurance Policy by Health Insurance Companies
General/Health Insurance Companies Products
3- Health Care Plus Top Up Cover from ICICI Lombard General Insurance Company Limited
Key Benefits
  • 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
  • What is covered
    The Company will indemnify, subject always to the Limit of Indemnity, the Insured against:
  • 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
  • The Coverage provided under Health Care Plus policy is independent of any other Group/ Individual/ Floater policy held by the insured.
    What is not covered
  • 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.
  • Permanent Exclusions
  • 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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