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ICICI Lombard Complete Health Insurance

Protect those who matter to you the most!

Buy Now

key attractions

Claim Services

Cashless claims in 4 hours and reimbursement claims in 14 days

Tax Benefit

Avail Tax deduction under section *80D of Income Tax and amendments made thereto

Wellness Services

Online chat with medical practitioner, free health check-ups Coupons and Tele-consultations

Coverage

Your Policy Covers:

  • Hospitalization expenses

  • Pre & Post hospitalization expenses

  • Day care procedures

  • Declared and accepted Pre-existing diseases cover after two years

  • Floater Benefit

  • Additional Sum Insured

  • Cashless Hospitalization

  • Free Health Check - up

  • Tax Benefit*

  • In Patient AYUSH Treatment

  • Donor Expenses

  • Domiciliary Hospitalization

  • Wellness Programs

  • ASI Protector

  • Air Ambulance Cover

  • Emergency services

Eligibility

  • You can buy the Complete Health Insurance Policy for yourself and your family members, children and parents, if you are above 18 years of age.

  • In case of Floater, if you want your child to be covered he/ she should be more than 3 months of age.

  • A policy bought to cover children aged between 3 months to 5 years, should necessarily cover at least one adult too

  • Children have to be more than 91 days old to be eligible for the policy

  • In case of a policy for an individual who is more than 50 years of age, he or she will need to undergo a medical test at our designated diagnostic centre

  • Income tax benefits under Section 80D of Income Tax Act for premium paid towards a health policy are available if the policy is bought for self, spouse, parents and dependent children

Exclusions

#Your policy does not cover:

An illness that you contract within 30 days of the starting date of your policy, except those that are incurred as a result of an accident. This clause is not applicable on the subsequent renewals. For the first 2 years, some diseases like cataract, hernia, stone in the urinary system and others will not be covered.

Exclusions valid for the first 2 years: Treatment of the following diseases/illness/ailments

  • Cataract

  • Benign prostatic hypertrophy

  • Myomectomy, hysterectomy unless because of malignancy

  • Hernia and hydrocele

  • Fissures and/or fistula in anus, hemorrhoids/piles

  • Joint replacement, unless due to accident

  • Sinusitis and related disorders

  • Stone in the urinary and biliary systems

  • Dilatation and curettage, endometriosis

  • All types of skin and all internal tumours/cysts/nodules/polyps of any kind, including breast lumps, unless malignant

  • Dialysis required for chronic renal failure

  • Surgery on tonsils, adenoids and sinuses

  • Gastric and duodenal erosions and ulcers

  • Deviated nasal septum

  • Varicose veins/varicose ulcers

  • Non-allopathic treatments and some other expenses are permanently excluded from being covered.

Permanent exclusions:

  • Any illness/ disease/ injury/ declared and accepted pre-existing disease before the inception of the policy. However, this exclusion ceases to apply if the policy is renewed with the company for two consecutive years

  • Non-allopathic treatment, pregnancy and childbirth related complications, cosmetic, aesthetic and obesity related treatment

  • Use or misuse of liquor, intoxicating substances or drugs as well as intentional self-injury, War, civil war or breach of law

  • Any expenses arising out of domiciliary treatment

Claims

Claim Intimation:

#

Mode of Claim Intimation

Action

1

Call Centre

Call Centre Will register the claim, Toll Free Number: 1800 2666.

2

E-mail

Customer will register or intimate claim through email, E-Mail us at: ihealthcare@icicilombard.com

3

Health portal

Customer can register claim through health portal available on ICICI Lombard website

https://www.icicilombard.com/IL-Health-Care

Claim Process: Detailed steps along with documentation involved in cashless & reimbursement claims is available on ICICI Lombard website in below link. Health claims are settled in T+14 days, where T is date of claim intimation, this is subject to complete documentation from customer.

https://www.icicilombard.com/health-insurance/complete-health-insurance?opt=chi&source=nav

Disclaimer

*Tax deduction under section 80D is as per the applicable provisions of the income Tax Act, 1961(Including any amendments thereto) and are subject to changes in the tax laws.

#This is an indicative list of exclusions. In your best interest it is advisable to be aware of what is excluded from your policy; so please make sure that you read the Policy Wordings.

Yes Bank Limited having registered address at YES BANK Limited, YES BANK House, Off Western Express Highway, Santacruz East, Mumbai – 400055 India is registered as a Corporate Agent (CA0125) of ICICI Lombard General Insurance Company Limited. Yes Bank Limited customer participation in the policy is entirely voluntary.

This is only an indication of the cover offered. For complete details on risk factors, terms, conditions, coverage's and exclusions, please read the sales brochure carefully before concluding a sale. ICICI trade logo displayed above belongs to ICICI Bank and is used by ICICI Lombard GIC Ltd. under license and Lombard logo belongs to ICICI Lombard GIC Ltd. ICICI Lombard General Insurance Company Limited, ICICI Lombard House, 414, Veer Savarkar Marg, Prabhadevi, Mumbai – 400025. IRDA Reg.No.115. IRDA Reg. No. 115. Toll Free No. 1800 2666. Fax No 02261961323. CIN L67200MH2000PLC129408. Website: www.icicilombard.com. Email: customersupport@icicilombard.com. ICICI Lombard Complete health Insurance , Misc128, ICIHLIP21383V052021.

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Important Documents
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Android App for YES BANK
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Digital Wallet with free Virtual card and UPI which can be used to send/receive money, mobile/DTH recharge, pay bills and much more

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Documents Required

  • ICICI Lombard Complete Health Insurance - Premium Chart
  • ICICI Lombard Complete Health Insurance - Brochure
  • ICICI Lombard Complete Health Insurance - Health Elite Policy Wording
  • ICICI Lombard Complete Health Insurance - Health Elite Plus Policy Wording
  • ICICI Lombard Complete Health Insurance - Health Shield Policy Wording
  • ICICI Lombard Complete Health Insurance - Health Shield Plus Policy Wording
  • ICICI Lombard Complete Health Insurance (Poster) - Health Elite
  • ICICI Lombard Complete Health Insurance (Poster) - Health Elite Plus
  • ICICI Lombard Complete Health Insurance (Poster) - Health Shield
  • ICICI Lombard Complete Health Insurance (Poster) - Health Shield Plus
  • Commission Disclosure
  • ICICI Lombard Complete Health Insurance - Prospectus
  • ICICI Lombard Complete Health Insurance - Policy Schedule
  • ICICI Lombard Complete Health Insurance - Standard Disclaimer