Icici Lombard General Insurance

The ICICI Lombard Individual Personal Accident Insurance covers an individual against accidental death and permanent total disability.

This also includes coverage against terrorism and acts of terrorism.

The FEATURES of this plan are as under:

· It covers against accidental death and permanent total disability that occurs due to an accident

· Customized coverage can be chosen from Rs.3 lacs, Rs.5 lacs, Rs.10 lacs and Rs.20 lacs of sum insured

· The claim will be settled if it is claimed within 12 months of the loss

DETAILS OF PERCENTAGES REIMBURSED:

Loss of use/actual loss by physical separation of	Percentage of capital sum insured
Sight of both eyes	100%
Both hands	100%
Both feet	100%
One hand and one foot	100%
One eye and one hand or one foot	100%
Sight of one eye	50%
One hand or one foot	50%

The EXCLUSIONS to this policy are:

· The company is not liable for compensation/claim under more than one category specified in the policy and for claims arising from any sickness/illness

· Death/injury/disablement due to:

· Intentional self injury, suicide or attempted suicide

· Influence of intoxicating drugs

· Caused by insanity or venereal disease

· War, invasion, act of foreign enemy, civil war, rebellion, revolution, insurrection, etc

· Nuclear weapon induced treatment

· Childbirth or pregnancy

ELIGIBILITY:

· The minimum entry age is 18 years

· The maximum entry age is 70 years

PREMIUMS:

A service tax of 10.3% will be levied on all the premium amounts.

The premiums paid towards these health insurance plans are tax exempted under section 80D of the Income Tax Act.

ICICI Lombard health insurances can also be bought online from www.icicilombard.com or they can be contacted on their toll free number 1800-209-8888

The POSITIVES of buying an insurance policy from ICICI Lombard are many, some of them being:

· Cashless claim facility

· Treatment can be taken from 3500+ network hospitals

· Arrangements for in-house health claim processing

· In-house wellness team

· World wide coverage of this policy

· No health check up for policy issuance

· Expenses for hospitalization also covered for terrorist activities

Icici Lombard General Insurance

ICICI Lombard is a joint venture between ICICI Bank Limited, which is India’s second largest bank and Fairfax Financial Holdings Limited, a Canada based diversified financial services company. Another policy that they have come up with is the Health Advantage Plus. The FEATURES of this plan are as under:

· This is a health cover primarily for the benefit of senior citizens

· It covers OPD expenses such as diagnostic tests, dental treatment, medical bills, ambulance charges, etc

· Pre-existing illnesses/diseases covered after 2 years of continuous renewal with the company

· Maternity expenses can be covered under OPD expenses up to the OPD sum insured

· Medical expenses incurred as in inpatient during hospitalization for more than 24 hours including room charges, doctor’s/surgeon’s fee, medicine bills, etc

· Medical expenses incurred 30 days prior and 60 days post hospitalization

· This policy also covers hospitalization in case of Swine Flu/H1N1 influenza

· A maximum of 2 adults can be covered under one policy

· The following advanced treatments do not need 24-hour hospitalization but are covered under this policy:

· Cataract limited to Rs.20000 per eye

· Kidney stone removal

· Tonsillectomy

· Eye surgery

· Dialysis

· Dilatation and currettage

· Chemotherapy

· Radiotherapy

· Coronary angiography

· Cardiac catheterization

· OPD cover for room, boarding expenses, nursing expenses, expenses related to dental treatment, surgeon, medical practitioner, consultants, specialist’s fee, anesthesia, blood, oxygen, operation theater charges, surgical consumables, medicines and drugs, diagnostic material and x-ray, cost of pacemaker, cost of artificial limbs, external medical aids

The EXCLUSIONS to this policy are:

Exclusions for the first 30 days:

· Any illness contracted within 30 days from the inception of the policy, except those that are incurred as a result of an accident

Exclusions valid for the first 2 years:

Treatments of the diseases/ailments/illnesses mentioned below:

· Cataract

· Benign prostatic hypertrophy

· Myomectomy, hysterectomy unless due to malignancy

· Hernia, hydrocele

· Fistula in anus, piles

· Arthritis, gout, rheumatism

· Joint replacement unless due to accident

· Sinusitis and related disorders

· Stone in the urinary and biliary systems

· Dilatation and curretage

· Skin and all internal tumors/nodules/cysts of any kind including breast lumps unless malignant, adenoids/hemorrhoids

· Dialysis required for chronical renal failure

· Surgery on tonsils, adenoids, sinusitis

· Gastric and duodenal ulcers

· Deviated nasal septum

Permanent exclusions:

· Any illness/disease/injury/pre-existing disease before the inception of the policy

· Non-allopathic treatment, pregnancy and childbirth related complications, cosmetic aesthetic and obesity related treatment

· Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs as well as intentional self injury

· War, riots, strike, nuclear weapon, induced treatment

Exclusions for OPD:

· Suicide or self inflicted injury

· Alcohol or drug abuse

· War, riots, nuclear related hospitalization

· Non-allopathic treatment, experimental and unproven treatment

· Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs as well as intentional self injury

ELIGIBILITY:

· People between the age of 5 and 65 years can be covered under this policy

· The proposer should be above the age of 18 years

· The policy can be renewed up to a maximum age of 70 years

PREMIUMS:

A service tax of 10.3% will be levied on all the premium amounts.

The premiums paid towards these health insurance plans are tax exempted under section 80D of the Income Tax Act.

ICICI Lombard health insurances can also be bought online from www.icicilombard.com or they can be contacted on their toll free number 1800-209-8888

The POSITIVES of buying an insurance policy from ICICI Lombard are many, some of them being:

· Cashless claim facility

· Treatment can be taken from 3500+ network hospitals

· Arrangements for in-house health claim processing

· In-house wellness team

· No sub-limits on room rent, doctor fees, hospital charges or any disease, except cataract where Rs.20000 per eye is allowable

· No co-payments for any disease or any hospitalization expenses

· No health check up till the age of 55 years

· Free health check up coupon for any one insured family member for the policy period

· Buy the policies online and pay the premium in EMIs without any extra charge subject to a minimum annual premium of Rs.1500

· Expenses for hospitalization also covered for terrorist activities

· A cumulative bonus of 5% is added to the sum insured for every claim free year subject to a maximum of 50%

Icici Lombard General Insurance

ICICI Lombard is a joint venture between ICICI Bank Limited, which is India’s second largest bank and Fairfax Financial Holdings Limited, a Canada based diversified financial services company.
One policy that they have come up with is the Family Floater Health Insurance Plan.

The FEATURES of this plan are as under:

· Medical expenses incurred as in inpatient during hospitalization for more than 24 hours including room charges, doctor’s/surgeon’s fee, medicine bills, etc

· Medical expenses incurred 30 days prior and 60 days post hospitalization

· Day care expenses incurred on advanced technological surgeries and procedures requiring less than 24 hours of hospitalization (including dialysis, chemotherapy and radiotherapy)

· Pre-existing diseases are covered after 4 continuous years of renewal with ICICI Lombard

· This policy also covers hospitalization in case of Swine Flu/H1N1 influenza

· A maximum of 2 adults and 2 children can be covered under one policy

· This policy gives the option of one or two year covers for which the premium amounts are different

The EXCLUSIONS to this policy are:

Exclusions for the first 30 days:

· Any illness contracted within 30 days from the inception of the policy, except those that are incurred as a result of an accident

Exclusions valid for the first 2 years:

Treatments of the diseases/ailments/illnesses mentioned below:

· Cataract

· Benign prostatic hypertrophy

· Myomectomy, hysterectomy unless due to malignancy

· Hernia, hydrocele

· Fistula in anus, piles

· Arthritis, gout, rheumatism

· Joint replacement unless due to accident

· Sinusitis and related disorders

· Stone in the urinary and biliary systems

· Dilatation and curretage

· Skin and all internal tumors/nodules/cysts of any kind including breast lumps unless malignant, adenoids/hemorrhoids

· Dialysis required for chronical renal failure

· Surgery on tonsils, adenoids, sinusitis

· Gastric and duodenal ulcers

Permanent exclusions:

· Any illness/disease/injury/pre-existing disease before the inception of the policy

· Non-allopathic treatment, pregnancy and childbirth related complications, cosmetic aesthetic and obesity related treatment

· Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs as well as intentional self injury

· War, riots, strike, nuclear weapon, induced treatment

ELIGIBILITY:

· People between the age of 5 and 60 years can be covered under this policy

· The proposer should be above the age of 18 years

· At least one adult must be covered under the same policy to be able to cover children between 91 days and 5 years of age

· Children below 91 days cannot be covered under this policy

· The policy can be renewed up to a maximum age of 70 years

PREMIUMS:

The premiums for this Family Floater Health Insurance Plan are:

PREMIUMS FOR 1-YEAR PLAN:

Plan	Individual	Individual	2A	2A	2A	2A+1C	2A+1C	2A+1C
	2 L	3L	2L	3L	4L	2L	3L	4L
5-18 yrs	1956/-	2250/-	-	-	-	-	-	-
19-35 yrs	2644/-	3046/-	3965/-	4570/-	6854/-	5139/-	5920/-	8896/-
36-45 yrs	3312/-	3679/-	4968/-	5519/-	7702/-	6141/-	6869/-	9746/-
46-55 yrs	5896/-	6552/-	9434/-	10483/-	14675/-	10607/-	11833/-	16719/-
56-60 yrs		8026/-	11557/-	12841/-	17977/-	12731/-	14192/-	20021/-

Plan	2A+2C	2A+2C	2A+2C	1A+1C	1A+1C	1A+1C
	2L	3L	4L	2L	3L	4L
5-18 yrs	-	-	-	-	-	-
19-35 yrs	6312/-	7170/-	10943/-	3472/-	3999/-	6019/-
36-45 yrs	7314/-	8219/-	11791/-	4023/-	4521/-	6485/-
46-55 yrs	11781/-	13183/-	18763/-	6479/-	7251/-	10320/-
56-60 yrs	13904/-	15542/-	22065/-	7647/-	8548/-	12136/-

Plan	1A+2C	1A+2C	1A+2C
	2L	3L	4L
5-18 yrs	-	-	-
19-35 yrs	4329/-	4985/-	7516/-
36-45 yrs	4831/-	5460/-	7940/-
46-55 yrs	7064/-	7942/-	11426/-
56-60 yrs	8125/-	9121/-	13077/-

PREMIUMS FOR 2-YEARS AUTO RENEWAL PLANS:

Plan	Individual	Individual	2A	2A	2A	2A+1C	2A+1C	2A+1C
	2 L	3L	2L	3L	4L	2L	3L	4L
5-18 yrs	3520/-	4051/-	-	-	-	-	-	-
19-35 yrs	4758/-	5484/-	7137/-	8225/-	12338/-	9250/-	10656/-	16018/-
36-45 yrs	5961/-	6623/-	8942/-	9934/-	13864/-	11054/-	12365/-	17543/-
46-55 yrs	11203/-	12448/-	17925/-	19917/-	27882/-	20154/-	22483/-	31766/-
56-60 yrs	-	16052/-	23113/-	25683/-	35953/-	25460/-	28383/-	40042/-

Plan	2A+2C	2A+2C	2A+2C	1A+1C	1A+1C	1A+1C
	2L	3L	4L	2L	3L	4L
5-18 yrs	-	-	-	-	-	-
19-35 yrs	11362/-	13086/-	19697/-	6249/-	7197/-	10834/-
36-45 yrs	13166/-	14795/-	21223/-	7241/-	8137/-	11673/-
46-55 yrs	22384/-	25048/-	35650/-	12311/-	13777/-	19608/-
56-60 yrs	27807/-	31084/-	44130/-	15294/-	17096/-	24272/-

Plan	1A+2C	1A+2C	1A+2C
	2L	3L	4L
5-18 yrs	-	-	-
19-35 yrs	7793/-	8974/-	13528/-
36-45 yrs	8695/-	9828/-	14291/-
46-55 yrs	13421/-	15090/-	21709/-
56-60 yrs	16251/-	18242/-	26154/-

A service tax of 10.3% will be levied on all the premium amounts given in the table above.

The premiums paid towards these health insurance plans are tax exempted under section 80D of the Income Tax Act.

ICICI Lombard health insurances can also be bought online from www.icicilombard.com or they can be contacted on their toll free number 1800-209-8888

The POSITIVES of buying an insurance policy from ICICI Lombard are many, some of them being:

· Cashless claim facility

· Treatment can be taken from 3500+ network hospitals

· Arrangements for in-house health claim processing

· In-house wellness team

· No sub-limits on room rent, doctor fees, hospital charges or any disease, except cataract where Rs.20000 per eye is allowable

· No co-payments for any disease or any hospitalization expenses

· No health check up till the age of 55 years

· Free health check up coupon for any one insured family member for the policy period

· Buy the policies online and pay the premium in EMIs without any extra charge subject to a minimum annual premium of Rs.1500

· Expenses for hospitalization also covered for terrorist activities

· A cumulative bonus of 5% is added to the sum insured for every claim free year subject to a maximum of 50%

Icici Lombard General Insurance

A policy that takes care of the medical expenses while protecting the savings is the ICICI Lombard’s Critical Care Insurance Policy.

The FEATURES of this plan are as under:

· Benefit paid immediately on first diagnosis of the covered major critical illnesses/procedures

· Comprehensive cover and pure benefit policy offering lump sum amount equivalent to sum insured just on first diagnosis/undergoing any of the 9 major illnesses, accidental death, permanent total disablement due to an accident

· This policy offers a choice on coverage of sum insured and tenure of the policy

· Customized coverage can be chosen from Rs.3 lacs, Rs.6lacs and Rs.12 lacsof sum insured

· Policy duration can be chosen from 1 year/3 years/5 years

· Major medical illnesses and procedure cover to be covered subsequent to 90 days from the policy start date:

· Cancer

·  Coronary Artery Bypass Graft Surgery

· Heart attack

· End stage renal failure

· Major organ transplant

· Stroke

· Paralysis

· Heart valve replacement surgery

· Multiple sclerosis

· In case of Accidental death cover, the nominee is compensated with the sum insured

· In case of permanent and total loss of limbs and sight due to an accident, compensation is given as a lump sum benefit

The EXCLUSIONS to this policy are:

Exclusions for the first 90 days:

· Any illness contracted within 90 days from the inception of the policy

Treatments of the diseases/ailments/illnesses mentioned below:

· Cataract

· Benign prostatic hypertrophy

· Myomectomy, hysterectomy unless due to malignancy

· Hernia, hydrocele

· Fistula in anus, piles

· Arthritis, gout, rheumatism

· Joint replacement unless due to accident

· Sinusitis and related disorders

· Stone in the urinary and biliary systems

· Dilatation and curretage

· Skin and all internal tumors/nodules/cysts of any kind including breast lumps unless malignant, adenoids/hemorrhoids

· Dialysis required for chronical renal failure

· Surgery on tonsils, adenoids, sinusitis

· Gastric and duodenal ulcers

Major exclusions:

· Any pre-existing illness

· Absence of doctor’s medical certificate confirming the first diagnosis

· Any congenital illness or condition

· Any medical procedure that is not medically necessary

· Any physical or mental condition that is specifically excluded in the policy

· Treatment related to birth defects

· Birth control procedures and hormonal replacement therapy

· Any treatment/surgery for change of sex

ELIGIBILITY:

· The minimum entry age is 20 years

· The maximum entry age is 45 years

· Policy can be renewed up to 50 years of age

PREMIUMS:

Age group/policy tenure	SI 3L	SI 3L	SI 3L	SI 6L	SI 6L	SI 6L	SI 12L	SI 12L
	1 yr	3 yrs	5 yrs	1 yr	3 yrs	5 yrs	3 yrs	5 yrs
20 – 25	900/-	2850/-	4767/-	1800/-	5700/-	9533/-	11400/-	19065/-
26 – 30	990/-	3243/-	5553/-	1980/-	6486/-	11105/-	12972/-	22210/-
31 – 35	1230/-	4079/-	6880/-	2460/-	8157/-	13759/-	16314/-	27517/-
36 – 40	1470/-	5061/-	9041/-	2940/-	10122/-	18082/-	20244/-	36164/-
41 – 45	2670/-	10073/-	18770/-	5340/-	20146/-	37540/-	40292/-	75080/-
46 – 50	5160/-	18166/-	42311/-	10320/-	36333/-	58911/-	72666/-	117822/-

The premium amounts are inclusive of all taxes.

The premiums paid towards these health insurance plans are tax exempted under section 80D of the Income Tax Act.

ICICI Lombard health insurances can also be bought online from www.icicilombard.com or they can be contacted on their toll free number 1800-209-8888

The POSITIVES of buying this particular insurance policy from ICICI Lombard are:

· Cashless claim facility

· Treatment can be taken from 3500+ network hospitals

· Arrangements for in-house health claim processing

· In-house wellness team

· No health check up for policy issuance

· No survival period. Benefit paid immediately on first diagnosis of the covered disease

· Free health check up coupon with every renewal, which is more than one year tenure