ICICI Lombard Health Insurance Plans for Senior Citizens

Everyone thinks that the premiums for the health insurance plan for a senior citizen are quite high. But you must be unaware of the fact that most of the critical illnesses arise after the age of 60 years. So it is high time to take a health cover for your loved ones. Therefore, you can take a look at the ICICI Lombard Health Insurance Plans for Senior Citizens. In these plans, you will get a health cover and they are known to be the best health insurance plans. On the other hand, they will cover some critical illnesses and help to meet pre and post-hospitalization expenses. You can explore all the three plans and take any of them.

Senior Citizens Health Insurance Plans by ICICI Lombard

You can take these health insurance plans in your sixties that mean if you have the age of 60 years or above. You can decide the amount of Sum Assured as per the risk at the time of inception of the policy.

1. ICICI Lombard Health Care Plus Plan
2. ICICI Lombard Complete Health Insurance
3. Personal Protect Insurance Policy by ICICI Lombard

ICICI Lombard Health Care Plus Plan

1. The minimum age of entry is 5 years.
2. The Maximum age of entry is 65 years.
3. You can renew this health insurance plan up to the Age of 70.
4. Rs.5 Lacs is the minimum amount of Sum Assured.
5. Rs.10 Lacs is the maximum amount of Sum Assured.
6. Individual and Family Floater Covers are available in this plan.
7. The Minimum Policy Tenure of this policy is 1 Year.
8. The Maximum Policy Tenure of this policy is 2 Years.
9. In a Single Policy, you can cover up to 2 adults only.
10. The minimum age for the Proposer is 18 years.
11. A Pre-Medical Test is needed in the ICICI Lombard Health Care Plus Plan.
12. You will get a Grace Period of 30 Days and a Free-Look Period of 15 Days.
13. This policy doesn’t include the option to add riders.

Benefits of this Health Insurance Plan

1. It covers pre-hospitalization and post-hospitalization expenses.
2. Room Expenses of the Hospitals are also covered in this plan.
3. The company will also cover the Medical and Surgical Expenses.
4. You will also get a cover for the Doctor’s Fee and the Surgeon’s Fee.
5. Expenses Related to the Diagnostic Tests are also covered.
6. You will get a free health check-up at the time of renewal of the policy.
7. Enjoy Tax Deductions under Section 80C and 80D of the Income Tax Act 1961.

ICICI Lombard Complete Health Insurance

1. 18 years and above is the minimum age required for this plan.
2. The minimum age for the children who must accompany an adult in the floater plan is 3 months.
3. The child’s age must be 6 years or more if you are buying an individual plan for children.
4. If the age of the applicant is 46 years or more then he has to go through a Pre-Medical test.
5. ICICI Lombard Complete Health Insurance Plan bought for Parents, Spouse, Self, and dependent children are only eligible for the Tax.
6. Get deductions under Section 80C and 80D of the Income Tax Act 1961.

Benefits of Complete Health Insurance Plan

1. It covers all the medical expenses incurred during hospitalization.
2. You can enjoy floater benefits in this plan.
3. The value of the Sum Assured will increase by 10% if you don’t make any claim in a year.
4. You can enjoy free health check-ups at the designated centers up to 2 check-ups.
5. Get a free-look period of 15 days after buying the insurance plan.
6. AYUSH Treatment is also covered in the ICICI Lombard Health Insurance Plans for Senior Citizens.
7. In case of emergency if you call an Ambulance then Ambulance expenses of up to Rs.1500 are also covered.

ICICI Lombard Personal Protect Plan

1. 18 Years is the minimum age of entry.
2. 60 Years is the maximum age of entry.
3. You can take the ICICI Lombard Personal Protect Plan for 1 Year, 3 Years, and 5 Years.
4. Rs.3 Lacs is the minimum amount of the Sum Assured.
5. Rs.25 Lacs is the maximum amount of the Sum Assured.

Benefits of Personal Protect Plan

1. In case of unfortunate death of the insured the nominee will get the 100% sum assured in the plan.
2. You will get 100% of the sum assured in case of Total or Permanent Disability.
3. You will get 50% of the sum assured in case of Permanent and Partial Disability.
4. ICICI Lombard Personal Protect Plan also covers the accidents due to terrorism or war.
5. You can buy this insurance plan online.
6. Receive daily allowance if in case you are hospitalized.

Take Away

Well, if you are in the sixties and have attained the age of a senior citizen then these health insurance plans would be the best option for you. All these health insurance plans are available online and you can buy it from the website. These are the best ICICI Lombard Health Insurance Plans for Senior Citizens. The plan may differ in their features because some plans give you accidental coverage and some plans give you coverage for the critical illness. The ball is your court so you have to choose the health plan as per your needs.