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What are the features of ICICI Lombard Health Advantage
- Organ Donor Cover
- Get a second Opinion
- New born baby and vaccine cover
- No upper-limits on certain expenses.
- Maternity cover.
Infographic - Increase in lifestyle disceases at certain age bands and medical cost. Buy early to manage Waiting period
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Gif showing life cycle and insurance needs at each milestone
Individual plan covers only 1 person whereas in a family floater plan you can cover Yourself + Spouse + Parents + Children
Benefits : One policy for family / cost benefit of buying one policy instead of multiple individual policies
Pointers to be considered when buying a health insurance policy
Claim settlement ratio is the ratio of claims paid out of the total number of claims received by an insurance company during a financial year. It is one of the most reliable factors that indicate if an insurance company handles the claims of the customers well or not.
Exclusions are the conditions for which the insurance company does not provide coverage. Some exclusions are permenant and some have a waiting period. When buying you should read the exclusions carefully
Room rent capping is the limit of hospital room cost that is borne by the insurance company. This capping can either be a whole figure that states how much room rent expenses are paid by the insurer or as a specific percentage of the sum assured.
This product does have room rent capping i.e. Single Pvt. AC Room(SI 15L-75LUpgradable to next level)
These are the hospitals at which you can avail cashless health insurance service in case you get treatment which is subject to the terms and conditions associated with the policy. It is critical for cashless claims. Care has 7800+ network hospitals. Click here for full list.
The portion of the medical expense that a policyholder needs to pay when he receives medical services. Co-payment is fixed amount or percentage which is preset for various treatment and services.
In this policy the applicant can choose from 0%, 10%, 20%. In case of multiple policies co payment option helps reduce premium.
Yes you can cover Ayurveda, Yoga, Unani, Siddha and Homoeopathy. This can be claimed as reimbursement and on 24 hr hospitalization
Yes, on completion of 1 year of policy. Health check up limit 0.5% of SI
No claim bonus or NCB in health insurance is bonus money added in the sum insured for every claim free year. It is like a reward that policyholder receives for claim free year.
10% increase max. up to 50% SI; Optional Cover NCB Super - SI increase by 60|60|10|10|10% in 5 claim-free yrs; Total 150% of SI
Restoration benefit is a benefit wherein the insurance company restores the original sum insured after it gets fully exhausted for the treatment of the illnesses.
100% SI once for unrelated illness
<< explain with example>>
NA
30 days for illness
24 months for Named Ailments
48 Months for PED
5L-40 L: Not Covered
50L-75L: Up to 1L after 2 Years in a Floater Policy
Coverage for New born : NA