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Health Insurance Plan
A medical insurance policy, also called as health insurance, covers medical expenses for illnesses or injuries. It reimburses your bills or pays the medical care provider directly on your behalf. A comprehensive medical insurance covers the cost of hospitalisation, daycare procedures, medical care at home (domiciliary hospitalisation), ambulance charges, amongst others.
A health insurance plan helps you stay covered against various diseases. Additionally, it helps you boost tax savings. Under section 80D of the Income Tax Act, 1961, you can claim tax benefits against your health insurance premium.
Cashless Everywhere
Have the freedom to choose any hospital for your & your family’s treatment without worrying about your finances. Avail cashless hospitalisation benefits not just at network hospitals but at any hospital near you. You no longer have to find a network hospital or wait for the claim refunds. With cashless hospitalisation benefits at any hospital, you can fast-track your and your family’s recovery without any added stress from hospital bills.
Insurance policies
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Any condition, ailment or injury or related condition(s), for which you have had signs or symptoms, and/or were diagnosed, and/or received medical advice/treatment, within 48 months prior to the first policy with the insurance company is called a pre-existing disease.
The duration after which you can make a claim is called a waiting period. Our waiting periods for ICICI Lombard Health AdvantEdge and Health Booster policy are as below:
- No waiting period for accidental hospitalisation.
- 30 days for all claims other than accidental hospitalisation.
- 2 years for pre-existing diseases. These diseases should be declared at the time of proposal and accepted by us for policy with sum insured of ₹3 lakh and above.
- 2 years for standard list of diseases and procedures.
Annual (basic) sum insured is the maximum amount that an insurance company will pay you in the event of a claim in a policy year.
Yes, a waiting period will apply only to the added sum insured.
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Peace Layout, Kammanahalli, Bengaluru, Karnataka 560084
