Health Insurance

It’s often said that your health is your wealth. And with the same belief, we make it our mission to ensure that your health is never compromised. That’s why we offer you an array of flexible plans to protect your health.

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What is health insurance policy?

A health insurance policy covers medical expenses for illnesses or injuries. A reliable health insurance plan protects you from sudden medical expenses. It reimburses your bills or pays the medical care provider directly on your behalf. A comprehensive medical insurance covers the cost of hospitalisation, daycare procedures, medical care at home (domiciliary hospitalisation), ambulance charges, amongst others.

A health insurance plan helps you stay covered against various diseases. Additionally, it helps you boost tax savings. Under section 80D of the Income Tax Act, 1961, you can claim tax benefits against your health insurance premium.

Various health insurance plans for everyone

Choose a suitable health insurance plans as per your requirements.

Senior Citizen

The optimum policy for seniors over 60 years of age with several advantages.

Family Plans

Complete healthcare protection for your entire family on individual and floater basis.

Top-Up

Surplus protection at affordable pricing.

Are You Confuse…?

You are not getting which health insurance policy will fit for you…?
Don’t worry contact us our health insurance expert will help you to find right policy.

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FAQ’s for Health Insurance Policy

Here are frequently asked questions related to health insurance plans in India.

What do you mean by a pre-existing disease?

Any condition, ailment or injury or related condition(s), for which you have had signs or symptoms, and/or were diagnosed, and/or received medical advice/treatment, within 48 months prior to the first policy with the insurance company is called a pre-existing disease.

What do you mean by waiting period?

The duration after which you can make a claim is called a waiting period. Our waiting periods for ICICI Lombard Complete Health Insurance and Health Booster policy are as below:

No waiting period for accidental hospitalisation.
30 days for all claims other than accidental hospitalisation.
2 years for pre-existing diseases. These diseases should be declared at the time of proposal and accepted by us for policy with sum insured of ₹3 lakh and above.
2 years for standard list of diseases and procedures.

What does annual sum insured mean?

Annual (basic) sum insured is the maximum amount that an insurance company will pay you in the event of a claim in a policy year.

If I increase my sum insured at the time of renewal, does a waiting period apply?

Yes, a waiting period will apply only to the added sum insured.

My employer provides me with a health insurance. Do I still need one?

Numerous employers offer group or individual health plans. However, these are not customised as per your needs and may have certain restrictions and limitations. Also, the coverage is dependent on the continuation of the job. Once you quit, you cannot avail the health plan benefits. Therefore, it is important to insure yourself with a comprehensive cover that lets you customise as per your needs. For example, for a family of 4 members, a sum insured of ₹2 lakh-₹3 lakh provided by your employer may be inadequate.

From what age can I include my children in the plan?

You can include your children aged between 90 days to 20 years in your policy. Newborns can be included after 90 days of birth. However, your daughter or son cannot be shown as a ‘dependent’ if they file a joint tax return.