Health Insurance

Comprehensive coverage for you and your family

Flexibility to choose from a wide range of options on premium, plan and Sum Insured ranging from Rs. 2 Lac to Rs.10 Lacs

Guaranteed lifelong renewability

No restriction on Maximum entry age

Option to choose sub-limit and modify premium*

Option of choosing 1 or 2 year policy period as per plans offered

Discount of 10% on a 2 year policy

Pre- Existing illness covered after two / four years depending on the plan chosen

Choice of add-on covers available along with Hospitalisation cover like Critical Illness, Donor Expenses, Hospital Daily Cash and Convalescence Benefit

Cashless claims facility at over 4000+ network hospitals across India Simply use your Health ID Card at any of our 4,000+ Network Hospitals and avail Cashless service, a boon for those times when you need finance the most.

Continue to enjoy quality service even during claim settlements with our own in-house health claim processing and wellness team

No co-payments for any disease or any hospitalization expenses Co-payment means a certain percentage of every claim amount, which has to be borne by the insured person. For example, a health policy may have co-pay of 20 % on hospitalization expenses taken in a non-network hospital, which means if the insured claims for Rs. 1,00,000 for any treatment availed in a non-network hospital then he will have to bear 20 % of such claim amount out of his own pocket.

Bouquet of value added services like free health check up coupon, online chat with doctor, diet & nutrition e-consultation, specialist e-consultation, discount vouchers and many more

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 hospitalisation due to terrorist activities

EMI facility is available. For more information Click here

Keep your family secured even against expenses for hospitalisation due to terrorist activities

• Medical expenses incurred as an inpatient during hospitalisation for more than 24 hours, including room charges / ICU charges, doctor/ surgeon's fee, medicines bills, etc
• Medical expenses incurred, immediately, 30 days prior and 60 days post hospitalization
• Day Care expenses incurred on named advanced technological surgeries and procedures requiring less than 24 hours of hospitalisation. (Including Dialysis, Radiotherapy and Chemotherapy)
• Pre-existing diseases can be covered after two or four continuous years of coverage with the Company*

The minimum entry age starts from 6 years under individual policy and 3 months under a floater policy.

* Conditions Apply
For details, kindly refer to Policy Wordings

What is not covered

Exclusions valid for the first 30 Days

Any illness contracted within 30 days of the inception date of the Policy, except those that are incurred as a result of an accident. This clause is not applicable on the subsequent renewals

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, Hydrocele
• Fissures & / or Fistula in Anus, hemorrhoids/Piles
• Arthritis, Gout, Rheumatism and spinal disorders
• Joint replacement, unless due to accident
• Sinusitis and related disorders
• Stone in the urinary and biliary systems
• Dilatation & Curettage, Endometriosis
• All types of Skin and all 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 erosions & ulcers
• Deviated Nasal Septum
• Varicose Veins/Varicose Ulcers

If the Policy is renewed with us for two consecutive years, the above diseases / illness / ailments will be covered from the third year. If these are pre-existing diseases at the time of inception of the policy, the same will be covered after the two years** onwards, subject to continuous renewal of the policy with us.
*Any claim for Cataract treatment shall not exceed Rs 20,000 per eye, during each Policy Year after 2 years from the Policy start date
**4 years for Sum Insured 2 lacs

Permanent exclusions

• Any illness/ disease/ injury/ pre-existing disease before the inception of the policy. However, this exclusion ceases to apply if the policy is renewed with the Company for 2 consecutive years for sum insured of Rs. 3 Lac, Rs. 4 Lac, Rs. 5 Lac, Rs. 7 Lac, Rs. 10 Lac and for 4 consecutive years for sum insured of Rs. 2 lacss
• Non-allopathic treatment, pregnancy and childbirth related complications, cosmetic, aesthetic and obesity related treatment
• Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs as well as intentional self injury
• War, civil war or breach of law
• Naturopathy treatment, acupressure, acupuncture, magnetic and other such therapies
• Treatment taken outside the country
• Any expenses arising out of Domiciliary Treatment

For details, kindly refer to Policy Wordings.

• The customer can buy the policy for any family member(s) children and / or parents
• The insured should be above 3 months in case of floater and 6 years in case of individual. To cover children aged between 3 months to 5 years, the policy must also cover at least 1 adult
• The Proposer needs to be aged above 18 years
• Individual(s) proposed for Insurance whose age is 46 years & above have to undergo medical tests at designated diagnostic centers
• The policy offers guaranteed lifetime renewability.
• Income Tax benefits u/s 80D can only be availed for policies bought for Self, Spouse, Parents and Dependent children.

For details, kindly refer to Policy Wordings.

Benefits of Healthcare Plus

Individual Cover for each member of the family(maximum 4 Individuals)

Flexible Sum Insured

Flexible Deductibles

Long term cover of 1 year and 2 years

Entry age for members proposed for this insurance is from 5 years to 65 years

No sub-limits on room rent, hospitalization expenses, diagnostic tests/ doctors fees, etc.

No Co-payment

Free health check up for any one insured member in the plan upon policy renewal

Income Tax benefit under section 80D*

Policy becomes effective when the claim amount in single incidence / hospitalization is beyond the deductible

EMI facility is available. To know more click here

* Tax Benefits are subject to tax laws
** This service is offered by the bank and ILGIC holds no responsibility or owes no liability in case of this facility provided by the bank to it's customers.

What is covered in Health Care Plus

The Company will indemnify, subject always to the Limit of Indemnity, the Insured against:

• Hospitalization Expenses (without sub limits) covering all your
  • Bed Charges/ Room Rent
  • Doctors/ Surgeons Fees
  • Medicines and surgical supplies
  • Diagnostic Tests (Blood and radiological)
• Pre-existing diseases after 4 years of continuous coverage with the company

The coverage provided under Healthcare Plus Policy is independent of any other Group/ Individual/ Floater policy held by the insured.

For more details, kindly refer to the Policy Wordings.

What is not covered in Healthcare Plus

Exclusions valid for the first 30 Days

• Any illness/disease/injury existing before the inception of the policy for the first 4 years
• Any medical expenses incurred during the first 30 days of inception of the policy, except those arising out of accidents. This exclusion doesn't apply for subsequent renewals with company without a break
• Expenses incurred on treatment of following diseases within the first 2 years from the commencement of the Policy, will not be payable:
  • Cataract
  • Benign prostatic hypertrophy
  • Myomectomy, endometriosis, hysterectomy unless because of malignancy
  • All types of hernia, hydrocele
  • Fissures and/or fistula in anus, haemorrhoids/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
  • All types of Skin and 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 ulcers
  • Deviated nasal septum
• Medical charges incurred within 30 days of inception date of the policy except those that are incurred as a result of bodily injury caused by an accident. This exclusion does not apply for subsequent renewals with the Company without a break.

Permanent Exclusions

• Any physical, medical or mental condition or treatment or service that is specifically excluded in the Policy in Part I of the Schedule under Special Conditions
• Routine medical, eye and ear examinations, cost of spectacles, laser surgery for correction of refractory errors, contact lenses or hearing aids, vaccinations, issue of medical certificates and examinations as to suitability for employment or travel or any other such purpose
• Congenital disease/ defects/ anomalies
• Suicide or self-inflicted injury
• Alcohol or drug abuse
• Treatment relating to birth defects
• All dental treatment unless caused due to Accident
• Treatment traceable to pregnancy and childbirth, abortion and its consequences, tests and treatment relating to infertility and invitro fertilization. However, the exclusion do not apply to ectopic pregnancy proved by diagnostic means and is certified to be life threatening by the Medical Practitioner
• Birth control procedures and hormone replacement therapy
• Prosthesis, corrective devices, durable medical equipments and items and medical appliances/apparatus/machines, which are not required intra-operatively or for the Illness for which the Insured required Hospitalisation
• Cost of cochlear implant(s) unless necessitated by an Accident
• Personal comfort and convenience items and services
• Any charge incurred prior to Hospitalisation or post Hospitalisation, including but not limited to, charges for nurses/attendants, etc.
• Treatment of mental Illness, stress, psychiatric or psychological disorders
• Aesthetic treatment, cosmetic surgery and plastic surgery including any complications arising out of or attributable to these, unless necessitated due to Accident or as a part of any Illness

For more details, kindly refer to the Policy Wordings.

Eligibility of Healthcare Plus

• The enrollment age (of senior most member) can be between 5 to 65 years of age
• Maximum two adults can be covered under a single policy
• The Proposer needs to be aged above 18 years
• Individual(s) proposed for Insurance whose age is 56 years & above have to undergo medical tests at ICICI Lombard GIC Ltd designated diagnostic centers
• The policy is renewable till the age of 70 years
• Income Tax benefit u/s Section 80D of the Income Tax Act, 1961 can only be availed for policies bought for self, spouse, parents and dependent children.

Covers Outpatient Department (OPD) expenses, such as diagnostics tests, dental treatment, medical bills, ambulance charges, etc.

Avail Cashless Claim facility at over 4,000+ network hospitals across India Simply use your Health ID Card at any of our 4,000+ Network Hospitals and avail Cashless service, a boon for those times when you need finance the most.

No sub-limits on room rent, doctor fees, and hospital charges or for any disease* Sub-limit means any limit or restriction put on the Sum Insured available for any treatment/ service/ disease covered under the Policy. For example, a health policy may have sub-limits of 1% of Sum Insured on the Room rent on a per day basis, or a sub-limit of 25% of Sum Insured on Doctor's fees. Sub-limits can be applied on the entire treatment of one illness, like Heart Disease may have a sub-limit of Rs.50,000, i.e. a maximum of Rs. 50,000 can be claimed for the Heart disease treatment.

No co-payments for any disease or any Hospitalisation expenses Co-payment means a certain percentage of every claim amount, which has to be borne by the insured person. For example, a health policy may have co-pay of 20 % on hospitalisation expenses taken in non-network hospitals, which means if the insured claims for 1,00,000 for any treatment availed in a non-network hospital then he will have to bear 20 % of such claim amount out of his own pocket.

Now get an additional Sum Insured for every claim free year

Pre-existing illness covered after two years, subject to continuous renewal of the policy with the Company

Avail Tax Benefit under Section 80 D of the Indian Income Tax Act, 1961**.

Maternity expenses can be covered under OPD expenses of this plan up to the OPD sum insured

Insurance against Terrorist activities

A maximum of 2 adults can be covered under a single policy

Buy Online and pay in EMIs without any extra charges***

* Except Cataract ( 20,000 per eye applicable)
** Tax benefits are subject to changes in tax laws
*** EMI facility available only for ICICI Bank (up to 6 months) and card customers at the sole discretion of the Banks.

Note: EMI option subject to minimum annual premium of Rs.1,500. Click here to know more.

What is covered in Health Advantage Plus

Hospitalization Cover

• 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.
• Medical expenses incurred 30 days prior and 60 days post hospitalisation
• Pre-existing diseases can be covered after two continuous years of coverage with the Company*
• Covers against hospitalization# in case of Swine Flu / H1N1 influenza

* Conditions Apply
*If it's not a pre-existing illness

The following technologically advanced treatments that do not need 24-hour hospitalization but are covered under this policy are:

• Cataract (limited to Rs. 20,000 per eye)
• Tonsillectomy
• Eye Surgery
• Dialysis
• Dilatation & Curettage
• Chemotherapy
• Radiotherapy
• Coronary Angiography
• Cardiac Catheterisation

Outpatient Department (OPD) Cover

• Room, Boarding Expenses as charged by the Hospital
• Nursing Expenses
• Expenses related to Dental Treatment
• Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees
• Anesthesia, 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 reimbursement 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.

Terms of Renew ability

Health Advantage Plus Plan can be renewed instantly. Click here to know more

For more details, kindly refer to the Policy Wordings.

What is not covered in Health Advantage Plus

Exclusions for Hospitalisation Benefit Cover

Exclusions valid for the first 30 Days:

Any illness contracted within 30 days of the inception date of the policy, except those that are incurred as a result of an accident. This clause is not applicable on the subsequent renewals of this policy.

Exclusions valid for the first 2 Years:

Treatment of the following diseases:

• Cataract (limited to Rs. 20,000 per eye)
• Benign Prostatic Hypertrophy
• Myomectomy, Hysterectomy unless because of malignancy
• Hernia, Hydrocele
• Fistula in Anus, Piles
• Arthritis, Gout, Rheumatism
• Joint replacement, unless due to accident
• Sinusitis and related disorders
• Stone in the urinary and biliary systems
• Dilatation & Curettage
• Skin and all internal tumours / cysts / nodules / polyps of any kind, including breast lumps, unless malignant / adenoids and haemorrhoids
• Dialysis required for chronic renal failure
• Surgery on tonsils and sinuses
• Gastric and duodenal ulcers
• Deviated Nasal Septum

Note: If the policy is renewed with us for two consecutive years, the above diseases / illness / ailments will be covered from the third year. If these are pre-existing diseases at the time of inception of the policy, the same will be covered from the second consecutive renewal.

Pre-existing Disease Exclusion:

Any illness / disease / injury pre-existing disease before the inception of the policy. However, this exclusion ceases to apply if the policy is renewed with the Company for 2 consecutive years.

Permanent Exclusions:

• Non-allopathic treatment, pregnancy and childbirth related diseases, cosmetic, aesthetic and obesity related treatment
• Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs as well as intentional self injury
• War, riots, strike, nuclear weapon induced treatment

Exclusions for OPD (Outpatient Department Expenses):

• Suicide or self-inflicted injury
• Alcohol or drug abuse
• War, riots, nuclear related hospitalisation
• Non-allopathic treatment, experimental and unproven treatment
• Expenses arising from treatment of HIV/ AIDS or related disease, use or misuse of alcohol and other intoxicating substances and intentional self-injury

For more details, kindly refer to the Policy Wordings.

Eligibility of Health Advantage Plus

• The enrolment age (of senior most member) can be between 5 to 65 years of age
• Maximum two adults can be covered under a single policy
• The Proposer needs to be aged above 18 years
• No health check-up up to the age of 45 years (age as on last birthday)
• Individual(s) proposed for Insurance whose age is 45 years & above have to undergo medical tests at designated diagnostic centres
• The policy is renewable till the age of 70 years
• Income Tax benefit u/s Section 80D of the Income Tax Act, 1961 can only be availed for policies bought for self, spouse, dependent children or parents

Click here to view our Terms of renewal ability

Benefits of Personal Protect Insurance

Coverage against Accidental Death or Permanent Total Disablement (PTD) due to an accident ( Optional Coverage against Accidental Hospitalisation Expenses and Accidental Hospital Daily Allowance )

Customised coverage that allows you to choose between Rs.3 Lakhs, Rs.5 Lakhs, Rs.10 Lakhs, Rs.15 Lakhs, Rs.20 Lakhs and Rs.25 Lakhs Sum Insured

Covers claims arising out of Terrorism or acts of Terrorism

No health check-up required for policy issuance

Worldwide coverage of the policy

Easy Claim Process with minimal documentation

Buy Online and pay in EMIs without any extra charges*

*EMI facility available only for ICICI Bank credit card customers at the sole discretion of the Banks.

Note: EMI option subject to minimum annual premium of Rs.1,500. Click here to know more.
Equal Monthly Instalment (EMI) with ICICI Bank Credit Card

What is covered in Personal Protect Insurance

Accidental Death: In case of death of the insured due to an accident within the policy period, the nominee (mentioned in the policy) is compensated with the Sum Insured.

Permanent Total Disablement (PTD): Personal Protect pays compensation against the permanent and total loss of limbs, sight etc. due to an accident. Click here for details

Terrorism and Acts of Terrorism: In case of the death or PTD of the insured arising out of terrorism or acts of terrorism within the policy period, the nominee (mentioned in the policy) is compensated with the Sum Insured.

Optional Cover:

Accidental Hospitalisation Expenses Reimbursement*: Medical expenses incurred in case of Hospitalisation (minimum of 24 hrs), due to injury, within 7 days from the date of accident

Accidental Hospital Daily Allowance: Per day allowance paid to Insured person each day during Hospitalisation after the Insured event, not exceeding 30 days of Hospitalisation, deductible of 1 day

Note: If any such injury as mentioned above shall result in the inability to remain gainfully employed, then the Capital Sum Insured payable will be 100%.

* Within 12 months from date of accident

For more details, kindly refer to the Policy Wordings.

What is not covered in Personal Protect Insurance

The Company shall not be liable under this policy for:

• Compensation / Claim under more than one of the categories specified in the Policy Coverage in respect of the same period of disablement of the Insured Person.
• Claims arising from sickness/illness

Death, injury or disablement of Insured Person as a result of

• From intentional self-injury, suicide or attempted suicide
• Whilst under the influence of intoxicating liquor or drugs
• Whilst engaging in aviation or ballooning, or whilst mounting into, or dismounting from or travelling in any balloon or aircraft other than as a passenger (fare-paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world
• Directly or indirectly caused by venereal disease or insanity
• Arising or resulting from the Insured committing any breach of the law with criminal intent
• War, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrests, restraints and detainment of all kinds
• Nuclear weapon induced treatment
• Childbirth or pregnancy or in consequence thereof

For more details, kindly refer to the Policy Wordings.

Eligibility of Personal Protect Insurance

• The minimum entry age is 18 years and the maximum entry age is 60 years (age as on last birthday).

The applicant can buy the policy for his spouse aged between 18-60 years.

Comprehensive cover and pure benefit policy offering lump-sum amount equivalent to sum insured just on first diagnosis / undergoing of any of 9 Major Medical Illnesses & Procedures, Accidental Death /Permanent Total Disablement (PTD) due to accident

No health check-up required for policy issuance

No survival period

Benefit paid immediately on first diagnosis of the covered Major Medical Illnesses and Procedure

Choose between a cover of Rs.3 Lakh, Rs.6 Lakh or Rs.12 Lakh sum insured and policy duration between 1 year, 3 years or 5 years

Avail of Tax Benefit under section 80D of Income Tax Act on the premium applicable for Major Medical Illnesses & Procedures cover*

Only a proposal form and medical declaration from needs to be filled for policy issuance

Claim settled within 21 days of receipt of all required documents

* Tax benefits are subject to change in tax laws

** EMI facility available only for ICICI Bank (up to 6 months) credit card customers at the sole discretion of the Banks.

Note: EMI option subject to minimum annual premium of Rs.1,500. Click here to know more.

What is covered in Critical Care

Critical Care offers you a choice of coverage on both the sum insured and the tenure of the policy. You can choose between a cover of Rs.3 Lakh, Rs.6 Lakh or Rs.12 Lakh sum insured and policy duration between 1 year, 3 years or 5 years.

Click here to view Premium Table

Major Medical Illness & Procedures Cover:

The Critical Care Insurance shall cover, subsequent to 90 days from the policy start date, the following Major Medical Illnesses & Procedures:

• Cancer
• Coronary Artery Bypass Graft Surgery
• Myocardial Infarction (Heart Attack)
• End Stage Renal Failure
• Major Organ Transplant
• Stroke
• Paralysis
• Heart Valve Replacement Surgery
• Multiple Sclerosis

Accidental Death Cover

In case of death of the insured due to an accident within the policy period, the nominee (mentioned in the policy) is compensated with the Sum Insured.

Accidental Permanent Total Disablement (PTD) Cover

Critical Care insures against the permanent and total loss of limbs and sight due to an accident. The compensation (sum insured opted for) is given as a lump-sum benefit in the event of a claim being considered admissible. It is to be noted that the compensation is payable only if the disablement results in inability to remain gainfully employed.

Click here for Permanent Total Disablement benefits.

Terms of Renewability

Your Critical Care Plan can be renewed instantly. Click here to know more

For more details, kindly refer to the Policy Wordings.

What is not covered in Critical Care

Exclusions applicable to Major Medical Illness and Procedures section:

90 Days Exclusion:

Any Major Medical Illness & Procedures within 90 days from start date of policy will not be covered. This clause does not apply for subsequent renewal (without a break) of this policy with us.

Treatment of the following diseases:

• Cataract (sub-limit of Rs.20,000 per eye applicable)
• Benign Prostatic Hypertrophy
• Myomectomy, Hysterectomy unless because of malignancy
• Hernia, Hydrocele
• Fistula in Anus, Piles
• Arthritis, Gout, Rheumatism
• Joint replacement, unless due to accident
• Sinusitis and related disorders
• Stone in the urinary and biliary systems
• Dilatation & Curettage
• Skin and all internal tumours / cysts / nodules / polyps of any kind, including breast lumps, unless malignant / adenoids and haemorrhoids
• Dialysis required for chronic renal failure
• Surgery on tonsils and sinuses
• Gastric and duodenal ulcers
• Deviated Nasal Septum

Major Exclusions

The Company shall not be liable under this policy for:

• Pre-Existing illness
• Absence of submission of Doctor's medical certificate confirming the first diagnosis / undergoing of Illness or Injury or undergoing of medical / surgical procedure
• Any congenital illness or condition
• Any medical procedure or treatment, which is not medically necessary or not performed by a certified Doctor
• Any physical, medical or mental condition, illness, injury or treatment or service which is specifically excluded under the Policy
• Treatment relating to birth defects and external congenital Illnesses
• Birth control procedures and hormone replacement therapy
• Any treatment / surgery for change of sex or any cosmetic surgery or treatment
• Stone in the urinary and biliary systems
• Treatment by family member and self-medication or any treatment that is not scientifically recognized

Exclusions applicable to Accidental Death / Permanent Total Disability due to accident

The Company shall not be liable under this policy for:

• Compensation / Claim under more than one of the categories specified in the Policy

Coverage in respect of the same period of disablement of the Insured Person

• Claims arising out of sickness / illness
• Permanent Total Disablement prior to commencement of the policy
• Death, injury or disablement of Insured Person:
  • From intentional self-injury, suicide or attempted suicide
  • Whilst under the influence of intoxicating liquor or drugs
  • Directly or indirectly caused by venereal disease or AIDS
• Directly or indirectly caused by or contributed to or aggravated or prolonged by childbirth or pregnancy or in consequence thereof
• Engagement in dangerous activities
• Mounting into, dismounting from or travelling in any aircraft other than as a fare paying passenger on a scheduled flight
• Mental disorder or psychosomatic dysfunction

For more details, kindly refer to the Policy Wordings.

Eligibility of Critical Care

• The insured can be either you or your spouse.

The minimum entry age of the insured can be 20 years and the maximum entry age of the insured can be 45 years. However, the policy can be renewed up to 50 years of age. (i.e. age completed as on last birthday)