ICICI Lombard iHealth Plan

Sudden medical expenses can ruin your long-term savings. With the ICICI Lombard iHealth Plan, you can safeguard yourself financially in case of a medical emergency. This is one of the most preferred complete family health insurance plans from ICICI Lombard designed to meet varying healthcare needs. With this health insurance plan, you can choose coverage for yourself and your family as per the requirements. We are showing the key features of the ICICI Lombard iHealth Plan below. Please check!

1. Multiple sum insured options
2. Pre-and post hospitalization coverage
3. Cover for pre-existing illnesses
4. Wellness program
5. Hospital Daily Cash benefit up to INR 3,000
6. Organ Donor expenses
7. Various value-added services like free health check-ups, diet e-consultants, etc.
8. A 15-day free look period
9. No pre-acceptance medical screening below the age of 46 years
10. Tax Benefits under Section 80D of the Income Tax Act, 1961

Want to know more about these benefits of the ICICI Lombard iHealth Plan? Well, we will discuss the same on this page. So, let’s start!

Let’s Talk About ICICI Lombard iHealth Plan Benefits in Detail

You can check the key benefits of the ICICI Lombard iHealth Plan in detail so that you can understand them better. Have a look!

Sum Insured Options under ICICI Lombard iHealth Plan

Individuals can choose from multiple sum insured options available under the ICICI Lombard iHealth Plan according to their requirements. The minimum sum insured can be as low as INR 2 lakh. Other sum insured options are INR 3 lakh, 4 lakh, 5 lakh, 7 lakh, 10 lakh, 15 lakh, 20 lakh, 30 lakh and 50 lakh. The premium amount will depend on the sum insured chosen by you.

In-patient Hospitalization

This complete family health insurance from ICICI Lombard provides coverage against treatment expenses during hospitalization of more than 24 hours, up to your chosen sum insured.

Pre- and Post-hospitalization Coverage

With the ICICI Lombard iHealth Plan, you can get coverage against the expenses incurred due to illness up to 30 days right before hospitalization and 60 days immediately after your admission to a hospital.

Daycare Procedures and AYUSH Treatment Coverage

In case your hospitalization is less than 24 hours (daycare treatments) you will also get coverage against the treatment expenses incurred on daycare procedures. Other than this, you can also get reimbursement of expenses incurred on AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha and Homeopathy) treatment-related hospitalization.

Organ Donor expenses Coverage

Coverage against donor expenses up to INR 50,000 is also available if the insured person needs to undergo an organ transplant surgery. This benefit is not applicable for a sum insured of INR 2 lakh.

Hospital Daily Cash Benefit

With this health insurance plan from ICICI Lombard, individuals can also get hospital daily cash benefits for a maximum of 10 consecutive days of hospitalization. However, the hospitalization period should be a minimum of 3 consecutive days to get this benefit. To know more, you can check the below table.

Convalescence Benefit

Every year, you will get INR 10,000 as a convalescence benefit in case you need hospitalization for a minimum of 10 consecutive days or more.

Critical Illness Coverage

You can also get coverage against expenses incurred on the treatment of specified critical illness (life-threatening diseases), up to 2 insured persons in a policy. For sum insured ranging from INR 3 lakh to 10 lakh, you can get up to 100% of the sum insured as critical illness coverage, while for sum insured of INR 15 lakh to 50 lakh, this coverage will be 50% of the sum insured.

Some of the critical illnesses covered are mentioned below.  

1. Cancer of specified severity
2. Open chest CABG,
3. First heart attack
4. Major organ/bone marrow transplant
5. Permanent paralysis of limbs
6. Kidney failure requiring regular dialysis
7. End-stage liver disease

Emergency Ambulance Coverage

In case an insured person immediately needs to be transferred to the nearest hospital via ambulance, he/she will also have coverage against expenses incurred on emergency ambulance up to INR 1,500 per event of hospitalization.

Pre-existing diseases covered after 24 months

ICICI Lombard iHealth Plan also provides coverage for pre-existing diseases after the completion of the waiting period. This period depends on the sum insured chosen by you. For a sum insured of INR 2 lakh, the waiting period stands at 48 months, while for any amount above up to INR 50 lakh, you will get coverage for pre-existing diseases after 24 months.

Free health Check-ups

Insured individuals under ICICI Lombard iHealth Plan will also get free health checkups every policy year. However, in the case of Family Floater policies, a maximum of 2 coupons will be provided. Some other value-added benefits are specialist e-consultation with one follow-up session and Diet & Nutrition e-consultation.

ICICI Lombard iHealth Plan Eligibility Criteria

Let’s check out some important things related to the eligibility criteria of the ICICI Lombard iHealth Plan!

1. The minimum age to purchase this plan stands at 18 years.
2. If an individual wants to buy this plan as family health insurance, his/her child should be more than 3 months of age.
3. Children need to be more than 91 days of age to be eligible for this plan.