ICICI Lombard Health Insurance is available in different variants. A Family Floater Health Insurance is one of the health insurance policy which takes care of the hospitalization expenses of your entire family during sudden illness, surgeries and accidents. A single premium policy that covers your entire family with single sum insured and single premium. It provides cover for 2 years with no increase in the premium for second year. There is also option for 1 year cover also.
The policy covers medical expenses for an inpatient during hospitalization for more than 24 hours. It includes hospital room charges, surgeon’s fee, doctor’s fee, cost of medicines, diagnostic expenses, etc. There is no sub limits on hospital room charges and doctors fees for any disease. Pre and post hospitalization expenses are covered up to 30 days and 60 days respectively.
The medical expenses are covered for technologically advance treatment/surgeries which do not require more than 24 hours of hospitalization. It includes dialysis, chemotherapy, radiotherapy, etc. The pre-existing diseases can be covered after 4 continuous policy years.
The policy covers claims arising out of terrorism or acts of terrorism. The hospitalization expenses for Swine Flu/H1N1 influenza are also covered.
The policy provides cashless hospitalization service at over more than 3500 network hospitals across India. This means you and your family members can avail the medical service at any network hospital by just providing your insurance card.
The premium paid towards this policy is eligible for tax benefit under section 80D of the Income Tax Act,1961. The benefit of additional sum insured is offered for every claim free year.
The person can buy the policy for any family members, dependent children and parents. The policy covers the people aged group of 5 years to 60 years. The children’s age between 91 days to 5 years are covered. The proposer’s age should be 18 to 50 years. The policy is renewable till the age of 70 years.
ICICI Lombard Health Insurance is available in different variants. A Family Floater Health Insurance is one of the health insurance policy