ICICI Lombard is one of leading general insurance companies in India, offering a various insurance policies to the customers. The mediclaim from ICICI Lombard is a popular among the customers.
ICICI Lombard provides different types of mediclaim policies for individual and families. The policy name such as Health Advantage Plus, Family Floater Health Insurance and Personal Accident Insurance. Each product is a unique and specially designed according to the healthcare needs of the customers. Under family floater insurance policy, the entire family is covered under a single sum assured. These policies provides financial protection in case of unexpected medical emergencies.
ICICI mediclaim policies covers insured for in-patient hospitalization expenses for more than 24 hours of hospitalization. The expenses such as room charges, boarding expenses, doctor/surgeon fees, cost of medicines, etc. There is no sub limits on room rent, doctors fees and hospital charges for any disease. The cover is also provided for Swine Flu/H1N1.
Pre and post hospitalization expenses are covered up to 30 days prior and 60 days after hospitalization. All pre-existing diseases can be covered after two continuous policy years with the company. The expenses are covered for advance technological surgeries or procedures which do not require more than 24 hours of hospitalization. ICICI mediclaim policies also provides cover against terrorist activities.
ICICI Lombard has a large network of hospitals. The insured can avail cashless hospitalization service at over more than 4500 network hospitals across India. The convenience of buying policy 24X7 online and can be accessed form any place in the world. Also there is a online service for claim settlement and policy renewal. Additional sum insured is provided for every claim free year.
Premium paid towards the mediclaim policies are eligible for tax benefit under section 80D of the Income Tax Act,1961.
