ICICI Lombard Family Floater Health Insurance

Product Description:

The Family floater insurance from ICICI Lombard has been designed to cover your entire family (husband, wife and upto 2 children) under 1 plan where all the covered members can enjoy the benefit of floater cover upto Sum Insured without any individual limits. Further, there are no sub-limits on room-rent, doctor fees or hospital charges for any disease except cataract. People upto the age of 60 yrs can be covered under Family floater plan while those above 60 yrs need to cover themselves under the Individual plan of the Insurer. The Insurer allows online purchase without any medical tests upto age 45, provided the proposer has a clean proposal form. Those above 45 yrs need to undergo medical tests at one of the designated diagnostic centres of the Insurer. This policy also provides 30 days pre-hospitalization and 60 days post-hospitalization cover for all related expenses. The policy can be renewed upto 70 yrs of age.

Know more about your Insurance

Key features: Availability, Benefits and Exclusions

Minimum Age at Entry : 3 months
Maximum Age at Entry : 60 years
Maximum Age at Renewal : 70 years
Minimum Sum Assured : Rs 2 lacs
Maximum Sum Assured : Rs 4 lacs
 
No claim Bonus – Annual : 5%
No claim Bonus – cumulative : upto 50%
Maternity Benefits : N/A
Pre-Existing Disease cover : after 4 years
Waiting Period : 30 Days


Product pricing (Incl. S/Tax)   (Rs)
2 Adults   payable monthly
Age of the Eldest member SA 2 lacs SA 2.5 lacs SA 3 lacs SA 3.5 lacs SA 4 lacs SA 4.5 lacs SA 5 lacs
5 – 18 yrs NA N/A NA N/A NA N/A NA
19 – 35 yrs 661 N/A 762 N/A 1142 N/A NA
36 – 45 yrs 828 N/A 920 N/A 1284 N/A NA
46 – 55 yrs 1572 N/A 1747 N/A 2446 N/A NA
56 – 60 yrs 1926 N/A 2140 N/A 2996 N/A NA


Claim procedure

  1. Intimation & Assistance - In case of planned hospitalization, select and approach the service desk of the chosen network hospital, preferably at least 2 days in advance. Use your ICICI Lombard Health card for identification purpose. You can also share your policy no and passport no with the healthcare provider or use your PAN card or voter ID card for the same.

  2. Pre-authorization: Get the pre-authorization form (available at the hospital help desk and/or ICICI Lombard website), filled and signed from the treating doctor and submit the same with the hospital along with other necessary documents. The network hospital checks the identity of the Insured for validation and submits the pre-authorization form to the Insurer. After cross verifying the identity of the Insured and the policy coverage, the Insurer will provide confirmation to the provider by e-mail/fax and also inform the Insured by way of a text message.

  3. Cashless settlement: Get admitted for treatment at the network hospital and sign all forms, invoices and documents on discharge. ICICI Lombard will directly make the payment to the hospital for pre-approved treatment and as per policy terms & conditions. Any non-medical expense and/or expenses towards conditions not authorized under hospitalization need to be paid directly by the beneficiary of treatment. Also, remember signing the ICICI Lombard claims form and hand it over to the hospital along with all the relevant supporting documents.

*Please note in case of emergency, authorization should be taken not later than 24 hrs of admission.

Some key statistics for ICICI Lombard

ITEM   NUMBER
Claims Pending Ratio : To be Announced soon
Complaints Resolved Ratio : To be Announced soon
Provider Network (cashless) : To be Announced soon


General Health Insurance Tips

Understand the cost of healthcare in your city/area before deciding the total cover (Sum Assured)

If your family includes a young bride, it is important to ensure the coverage of maternity benefits

Ask about the coverage of pre-existing diseases

Look at the waiting period

Satisfy yourself about the specific disease’s coverage under the Critical Illness cover

Inquire about the availability of cashless facility at the Network hospitals

Always compare before buying

Disclaimer: This is only an illustrative document to serve as a quick guide for aide in decision making.

Information Source: ICICI Lombard website www.icicilombard.com as on 10th Oct’2011
IRDAI annual report’2010