Health Advantage Plus is an individual health insurance offering from ICICI Lombard which allows coverage of upto 2 adults with floater benefit under 1 plan (the floater benefit is allowed upto the age of 55 yrs post which all policies will be renewed as Individual plan upto 70 yrs). The entry age for the eldest member in the plan can be between 5 and 65 yrs while the policy can be renewed upto 70 yrs of age The policy has been so underwritten that it also provides OPD benefits to its Insured and allows them to choose the spread between the twin benefits of Hospitalization and OPD cover depending on one’s needs. Further, there are no sub-limits on room rent, doctor’s fee, or hospital charges for any disease except cataract. The Insurer allows purchase without any medical tests upto age 45, provided the proposer has a clean proposal form. Those above 56 yrs need to undergo health check up 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.
Know more about your Insurance
Key features: Availability, Benefits and Exclusions
|Product pricing (Incl. S/Tax)||(Rs)|
*Please note in case of emergency, authorization should be taken not later than 24 hrs of admission.
Some key statistics for ICICI Lombard
|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