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ICICI Lombard Health Insurance - Health Advantage Plus
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Health Advantage Plus policy covers you not only for the usual medical emergencies, but also for Out Patient Department (OPD) expenses (such as reimbursement of cost of medicines, drugs, ambulance charges and dental expenses) and emergencies arising out of terrorism or acts of terrorism. What's more? You can save tax up to Rs. 5099 under Section 80 D of the Income Tax Act.
This Plan is available for all ages between 5-65 years and senior citizens aged 66 and above (renewable up to 70 years). Moreover, the 45 year age limit for 'no health check-up' for policy issuance is now extended to 55 years of age.
ICICI Lombard Health Insurance - Health Advantage Plus Eligibility
- The enrolment age (of the senior most family member) should be between 5 years to 65 years.
- The policy cover is renewable till the age of 70 years.
- The customer can buy the policy only for his two family members - defined as self, spouse or dependent children or dependent parents for the purpose of income tax exemption u/s Sec. 80D.
ICICI Lombard Health Insurance - Health Advantage Plus Policy Coverage
This is a comprehensive Tax-Saving health plan and provides 2 covers:
- Basic Hospitalisation Cover
- Outpatient Department (OPD)
Basic Hospitalisation Cover
This covers inpatient hospitalisation expenses up to sum insured of Rs. 2 or Rs. 3 Lakhs (depending on the plan chosen). You can avail the cashless claim facility in any of the 4500+ network hospitals across India.
Basic Hospitalisation cover includes:
Medical expenses incurred as an inpatient during hospitalisation for more than 24 hours, including room charges, doctor's / surgeon's fee, medicines, diagnostic tests, etc.
- 30 days prior to hospitalisation
- 60 days post hospitalisation
- Pre-existing diseases shall be covered after 24 months of continuous coverage since inception of first individual health policy with the company.
- Technologically advanced treatment that do not need 24-hour hospitalisation but are covered under this policy are:-
- Cataract
- Lithotripsy (Kidney Stone Removal)
- Tonsillectomy
- Eye Surgery
- Dialysis
- Dilatation & Curettage
- Chemotherapy
- Radiotherapy
- Coronary Angiography
- Cardiac Catheterization
Coverage limit for specific ailments / conditions:
Certain specific ailment(s) / surgery(s)/ procedure(s) are covered up to pre-defined limits under this policy (subject to the total sum insured). Click here for the details.
All others ailment(s) / surgery(s)/ procedure(s) are covered up to the sum insured under the policy.
ICICI Lombard Health Insurance - Health Advantage Plus Key Benefits
- The benefit of coverage against Terrorism: The plan covers claims arising out of Terrorism or acts of Terrorism.
- Floater benefit - The floater benefit would mean that one policy covers 2 family members with one sum insured and one premium. This takes care of hospitalisation expenses as well as Outpatient Treatment expenses in case of a sudden illness, accident or planned surgery of either of the family members.
- Optimum income tax benefit under section 80 D*. Save up to Rs. 5099/- on your Policy premium Click here to know more about Tax Benefit
- Fixed premium of Rs 15,000 for all plans excluding Senior Citizens aged 65 & above. Click here to know more
- Reimbursement of OPD expenses upto Rs. 10,000/- This includes diagnostics tests, dental treatment, etc. (OPD Benefit depends on age of senior most insured member and the plan chosen)
- Declared pre-existing illness covered after 2 years, i.e. from the 3rd year.
- Cashless claim facility available at over 3,500 network hospitals across India.
- No health check up required upto the age of 55 years (as on last birthday).
- Free health check-up coupon for any one insured family member.
- Click here to know more.
- Medical check-up mandatory for insured of age 56 years and above. Click here for Medical Test Details
*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)
*- Pre-hospitalisation period, the period of Hospitalisation and the Post-hospitalisation period, should fall within the Period of Insurance.
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Insurance is the subject matter of the solicitation.
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