ICICI Lombard Health Insurance - Family Floater

Eligibility

• The enrolment age (of the senior most family member) should be between 19 years to 60 years.
• Other members in the plan can be less than 19 years of age (i.e. up to 91 days)
• The insured child aged between 91 days to 5 years must be accompanied by at least 1 Adult Member.
• The policy cover is renewable till the age of 70 years.
• The customer can buy the policy for any family member(s).
• For the purpose of income tax exemption u/s Sec. 80D, the policy should be bought only for self, spouse, dependent children and dependent parents.

Policy Coverge

The policy covers medical expenses:

• Incurred as an inpatient during hospitalisation for more than 24 hours, including room charges, doctor/ surgeon's fee, medicines, etc.
• 30 days prior to hospitalisation.
• 60 days post hospitalisation.
• Day Care expenses incurred on advanced technological surgeries and procedures like Dialysis, Radiotherapy, and Chemotherapy, requiring less than 24 hours of hospitalisation.
• Pre-existing disease can be covered after the 4th year provided the policy is renewed with us for four consecutive years.

Key Benefits

• The benefit of coverage against Terrorism. The Family Floater Health Plan covers claims arising out of Terrorism or acts of Terrorism.
• One Policy - One Premium for the entire family. The floater health plan covers your entire family under one policy with one sum insured and one premium. This takes care of hospitalisation expenses in case of a sudden illness, accident or planned surgery of the entire family.
  
• 5% discount on premium for every claim free year
• Digitally signed policy is available 24X7 online, customer can take prints instantly. The hard copy of the policy is couriered the same day (or next day if customer buys after 6 PM) and will reach him/her within 2-3 working days.
• No health check up required upto the age of 55 years (as on last birthday).
• Medical Tests at the rate of Rs. 600 (per insured member)
Our representative will call the proposd insured (s) for prior appointment for the medical tests (mentioned above) within 2 days of receipt of full premium.

• Hassle free claims procedure
• Free health check-up coupon for any one insured family member.
• Hassle free claims procedure
• Cashless claim facility available at over 4,500 network hospitals across India.

Additional Benefits:

• Up to 2-year Cover: We offer a continuous 2-year protection with no increase in premium in the second year. This one time payment of premium for 2 years takes care of your renewal hassels next year. The sum insured is reinstated to the full sum insured after the first year. Option for 1 year cover also available.
• Single Policy: Single document, single premium, and single date to track. No need for separate policy for family members.
• *Optimum Tax Benefit of Rs 5099/- subject to the provisions of Section 80D of the Income Tax Act, 1961 and amendments made thereafter. (assuming highest tax bracket and premium of Rs. 15,000)

Exclusions

All health policies have following set of temporary and permanent exclusions:

30 Days exclusion
Medical charges incurred, except those arising out of accidental injuries, within the first 30 days from the start date of the policy are not covered. This clause does not apply for subsequent renewal (without a break) of this policy with us.

2 Years exclusions
Expenses incurred on treatment of following diseases within the first two years from the start date of the policy are not covered:

• Cataract
• Benign Prostatic Hypertrophy
• Myomectomy, Hysterectomy unless because of malignancy
• Hernia, Hydrocele
• Fistula in Anus, Piles
• Arthritis, Gout, Rheumatism
• Joint replacement, unless due to accident
• Sinusitis and related disorders
• Stone in the urinary and biliary systems
• Dilatation & Curettage
• Skin and all internal tumors / cysts / nodules / polyps of any kind, including breast lumps, unless malignant / adenoids and hemorrhoids
• Dialysis required for chronic renal failure
• Surgery on tonsils and sinuses
• Gastric and duodenal ulcers

These above diseases are covered from third year, if the policy is renewed with us for two consecutive years (4 years, if these are pre-existing diseases at the time of inception of the policy).