Complete Health Insurance

Key Benefits :
 Comprehensive coverage for your family with floater benefit
 Wide range of Sum Insured from 3 lacs to 50 lacs
 30 days Pre & 60 days Post Hospitilization Coverage
 Pre - Existing disease covered after 2 yrs*
 Cashless claims facility at over 4,500+ network hospitals across India
 Continue to enjoy quality service even during claim settlements with - ICICI Lombard Health Care -
our own in-house health claim processing and wellness team
 No sub-limits on room rent, doctor fees, and hospital charges or for any disease*
 No co-payments for any disease or any hospitalization expenses
 Now get a Free health check-up coupon* for any one insured family member, valid for the policy
period
 No health check-up up to the age of 45 years (age as on last birthday)
 Avail tax benefits under Section 80D of the Indian Income Tax Act 1961**
 Options for one or two year covers (auto renewal) available
 Get additional Sum Insured for every claim free year
 Keep your family secured even against expenses for hospitalization due to terrorist activities
 Ambulance covered up to 1500/- per Hospitalization
 RESET Benefit - Once in a policy period equal to Sum Insured ( Only for Multiple Diseases)
 Service Guarantee, will settle or query the claim as per TAT (Cashless or Reimbursement)

Optional Cover :
 Convalescence benefit, the insured, once during the policy period, is eligible for a benefit amount of
10,000 if hospitalized for any bodily injury or illness as covered under the policy, for a period of 10
consecutive days, or more.
 The insured will be eligible for a daily cash of 1000 per day for a max. of 10 days, in case the insured
is hospitalized for any injury or illness as covered under the policy, for a minimum of 3 consecutive
days.
 Maternity Covered (Normal / Caesarian) after 3 yrs
 OPD expenses also covered
 New born Baby covered with pre and post natal Expenses.
 Critical Illness covered on diagnostic basis up to sum insured chosen
 Donor Expenses covered up to 50000/-
 Personal Accident Death Covered and Personal total disability covered on chosen sum insured.
 Nursing at home (3000/- per day per member up to maximum of 15 days)
 Compassionate Visit for 20000/- on insured Hospitalization

Key Features :
 Hospitalization for a minimum period of 24 consecutive are covered under basic hospitalization.
 Lifetime Renew ability (there is no age limit for the entry in this policy)
 Eligibility (Minimum Entry age to get individual policy is 6 yr above & children between 3 months to
5 years can be covered under floater policy)
 Pre Existing Diseases ( Pre Existing Diseases can be covered After 2nd year)
 Sub Limit (There is no sub limit in case of any hospitalization, Except Cataract up to 20000/- per Eye)
 Free Health Check up Coupon for designated centers
 Wide range of sum insured 3lac to 50 lac.
Major Permanent Exclusion :
 Less than 24 hour hospitalization will be covered under OPD cover
 Any illness/disease/ injury pre-existing before the inception of the policy for the first 2 year
 Medical expenses incurred during the first 30 days of inception of the policy. Except those arising
out of accidents.
 Non Allopathic treatment
 cost of spectacles/contact lenses, dental treatment
 Medical expenses incurred for treatment of AIDS
 Tests and Treatment relating to infertility and invitro fertilization
 Expenses arising out of or attributable to alcohol or drug use/misuse/abuse

Exclusions for first 2 years :

Certain ailments as specified below are not covered in the first two years when the cover is taken for the first
time, but covered subsequently. Such waiting period shall reduce if the insured has been covered
under a similar policy before opting for this policy, subject however to the portability regulations :

 Cataract
 Benign Prostatic Hypertrophy
 Myomectomy, Hysterectomy unless because of malignancy
 All types of Hernia, Hydrocele
 Fissures &/or Fistula in anus, hemorrhoids/piles
 Arthritis, gout, rheumatism and spinal disorders
 Joint replacements unless due to accident
 Sinusitis and related disorders
 Stones in the urinary and biliary systems
 Dilatation and curettage, Endometriosis
 All types of Skin and internal tumors/ 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 erosion & ulcers
 Deviated Nasal Septum
 Varicose Veins/ Varicose Ulcers
 *After two years of continuous coverage (subject to portability provisions),
 a sub-limit of `20,000 per eye will be applicable