ICICI Lombard Comprehensive Health Insurance

Life is full of surprise. Some bitter some sweet. For medical emergencies like surgeries, accidents and sudden illness. ICICI Lombard General Insurance Company Limited bring you complete Health Insurance Plan that is flexible enough to cover all menbers of your family.

Features

• Free Health Check Up
• Cashless: 4200+ network hospitals in India
• Tax Benefits: Tax benefits under section 80D available.
• Covers:Covers medical expenses incurred during hospitalization for more than 24 hours. 30 days pre-hospitalization & 60 days post-hospitalization is avail
• Preexisting disease Covers after 4 Years.

Eligibility: Individuals proposed for Insurance whose age are 46 years & above have to compulsorily undergo medical tests at ICICI Lombard designated diagnostic centres. Children between the age of 3 month to 5 years will be covered only under a floater plan.

Exclusions:

• Any illness/ disease/ injury existing before the inception of the policy for the first 4 years.
• Non- allopathic treatment, Pregnancy & Childbirth related disease, cosmetic aesthetic & obesity related treatment.
• Expenses arising from HIV or AIDS and related disease, use or misuse of liquor, intoxicating substances or drugs as well as intentional self injury.
• Any medical expenses incrured during the first 30 days of inception of the policy, expect accidents.
• Congential disease.
• War, riot, strike, nuclear weapons included hospitalization.

Exclusions for First Two Years: There are ailments which are not covered in the first two years, but covered subsequently.

• Catract ( After 2 years sub-limit of Rs 20,000 per eye is applicable.
• Bening Prostatic Hypertrophy
• Myomectomy, Hystetrectomy unless because of malignancy
• Harniya, Hydrocele
• Fistula in anus, Pliles
• Arthritis, gout, rheumatism
• Joint replacements unless due to accident
• Sinusitis and related disorders
• Stones in the urinary and biliary systems
• Dilation and curettage
• Skin and all internal tumors/ cysts/ nodules/ polyps of any kind including brest lumbs unless malignant/ adenoids and hemorrhoids
• Dialysis required for chronical renal failure
• Surgery on tonsils and sinuses
• Gastric and duodenal ulcers

For 1 Year           

For 1 Year

For 2 Years

For 2 Years

All prices are inclusive of Service Tax, Education Cess & TPA fees.

Ask our agent/ advisor/ consultant for Premium Rate Comparision online here by submitting querry on cotactus form.

Overseas Insurance Policy

The Overseas Mediclaim Travel Insurance policy protects the insured party against medical expenses that he/she might have to incur during his/her overseas trip. Any Indian resident traveling abroad can take this policy. Group/Individuals can apply for this Oriental Insurance & ICICI Lombard Policy INDIA.

Benefits:

• The policy is basically provides for medical expenses of the insured during his/her stay abroad.
• The policy also covers personal accident, total loss of checked baggage, delay of checked baggage, loss of passport and personal liability, at no additional premium.
• The policy can be taken for a period of 0 to 180 days, with an option to extend further.

Repatriation Benefits: If the insured is required to be sent back to the home country on account of sickness suffered, the expenses incurred therewith are also paid.

All the expenses are reimbursed in the local currency of the country visited.

 Exclusions:  This insurance policy will not pay any claims arising from

• Any treated or existing diseases prior to one year of commencement of risk, whether undeclared or not.
• Travel against medical advice, travel for treatment, terminal prognosis or awaiting special treatment.
• Cosmetic surgery, pregnancy-related costs, AIDS.
• War or nuclear perils are not include.
• Suicide or attempted suicide is not include.
• Benefits recoverable from any other scheme.
• Examination/ treatment in India are not include.
• Expenses incurred outside country of study or posting. However this does not prejudice emergency evacuation on medical grounds. compare online premium here.

 For FAQ’s on Overseas Insurance Click Here.

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We offers cheaper premium rates on Oriental Insurance Overseas Travel Insurance Policy Rates than others. Submit your Business Querry Apply online Premium Rate Comparision on Overseas Insurance for the Oriental Insurance & ICICI Lombard General Insurance here.

House Hold Insurance Policy

The Householders Insurance policy is a package policy offering several individual policies together at an economical rates for the Oriental Insurance Company & ICICI Lombard India.

What does it cover:

It offers a package of following policies:
Fire Insurance
Burglary
All Risks Insurance
Plate Glass Insurance
Break down of Domestic Appliances (Electrical and mechanical failures)
Television including VCR & VCP and music systemsPedal cycle Insurance
Personal baggage insurance
Personal accident
Public liability & Employers Liability.

What is the Benefits

Only one proposal form is to be filled for several individual policies. The cumbersome procedure of filling several forms is eliminated.

HOUSE-HOLDER INSURANCE

1. Identify the items that need to be insured.
2. List them with their values. Ensure that the value is the full value.
3. SI for liability is on reimbursement basis and is limited to the amount chosen.
4. Ensure that there is no misstatement, or misrepresentation since the proposal is the basis of the contract.
5. The liability of the Company does not commence until the proposal has been accepted and full premium paid.

CLAIMS

1. Give immediate notice of claim.
2. Obtain the claim form from the Company (also available on our website) and provide full details of the loss; as sought in the form.
3. Do not dispose off / destroy damaged property, if any, till company permits such disposal.
4. Take necessary steps to minimize loss and keep the Insurance Company apprised.
5. Please ensure that no bribe is given to anyone on account of settlement of claim. Please report any such demand immediately to the Oriental Insurance Company.

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Contact us for cheaper/ lower premium rates on House Hold Insurance Policy Finding how to Buy or Purchase compare/ Apply online here for The Oriental Insurance Policy. Ask for Premium Rates Comparision of Oriental Insurance with other Company or Renew Online here.