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ICICI Health Advantage Plus

ICICI Health Advantage Plus

A unique health policy that covers OPD expenses also apart from the regular hospitalisation bills, caused by, but not limited to, injuries resulting from terrorist activities. Further, deduction from income tax are applicable under section 80D

Policy Coverage

Basic Hospitalisation Cover:

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 2 years

Following technologically advanced treatments do not need 24-hour hospitalisation but are covered under this policy are:-

Cataract (limited to Rs. 20,000 per eye)
Lithotripsy (Kidney Stone Removal)
Tonsillectomy
Eye Surgery
Dialysis
Dilatation & Curettage
Chemotherapy
Radiotherapy
Coronary Angiography
Cardiac Catheterization

Outpatient Department (OPD)

The following OPD expenses are covered:

Room, Boarding Expenses as charged by the Hospital
Nursing Expenses
Expenses related to Dental Treatment
Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees
Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Consumables, Medicines and Drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, Cost of Artificial Limbs External Medical Aids, Dental treatment charges, Ambulance charges

Note The OPD claims can be made only on a re-imbursement basis. You can lodge a claim only once during the Period of Insurance, i.e. 90 days after commencement of policy and 30 days after expiry of the Period of Insurance.

Key Benefits

Covers Outpatient Department (OPD) expenses, such as diagnostics tests, dental treatment, medical bills, ambulance charges etc
Avail Cashless Claim facility at 3,500 network hospitals across India
A maximum of 2 adults can be covered under a single policy.
Avail tax benefit underSection 80 D of the Indian Income Tax Act, 1961 *
Pre-existing illness covered after 2 years, subject to continuous renewal of the policy.
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.
Insurance against Terrorist activities.
Buy Online through ICICI Bank, HDFC Bank and Citibank Credit card and pay in EMIs without any extra charges**
Tax benefits are subject to changes in tax laws
EMI facility available only for ICICI Bank upto (12 months), Citibank, HDFC Bank (upto 6 months) credit card customers at the sole discretion of the Banks.

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.

Need for Floater

The plan covers you against hospitalization expenses that occur due to Terrorism and Acts of Terrorism.
Save Tax up to Rs. 5099/- under section 80 D of the Income Tax Act
Supplements employer-based health plans with higher sum insured and medical benefits
Individuals require to have an insurance that caters solely to their health needs, apart from life insurance and investments, that provides cover against expenses incurred during hospitalisation, as well as before and after
Avail cashless hospitalisation through ICICI Lombard's network of 3500+ hospitals across India

Mentioned below are the various General Insurance products offered by ICICI Lombard:

Health Insurance

Motor Insurance

Overseas Travel Insurance