ICICI Lombard
Health Elite Plus
Health Elite Plus Complete Health Insurance by ICICI Lombard provides global coverage, unlimited teleconsultations, and add-ons like sum insured protector (an inflation shield for your sum insured), claim protector (coverage for medical items used during hospitalisation), and BeFit cover. However, unlike other more comprehensive plans, it also has restrictions on room rent and sub-limits on certain treatments. So that’s something you should consider.
What's good here?
You’ll never have to split the bill
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
Short waiting period for Pre Existing Diseases
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after just 2 years. It’s probably the best deal you can get to be honest.
Good Restoration Benefit
Even after you claim part of the cover on one occasion, you will have 100% of the cover restored once for the same illness and unlimited times for different illness, so that you can use this benefit in the event you have to endure multiple hospitalizations.
Special Bonus for being healthy and not claiming insurance
Your sum insured increases by 20% each year, so long as you make no claims during this period. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 100%. But hey, it's still a bonus.
Full coverage even if you are forced to hospitalize at home
The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.
Pre & Post hospitalization expenses covered
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 180 days after discharge. This includes the cost of medication by the way.
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
Free Health Checkups every year
If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer will cover the costs.
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
What's bad here?
Your insurer won’t pay the full bill for certain diseases
Your insurance cover won’t be fully available in case you are treated for cataracts. Meaning the insurance company has a cap of 10% of the base cover, maximum up to 1 lakh per eye if you are treated for the same.
Your insurance cover won’t be fully available in case you are treated for cataracts. Meaning the insurance company has a cap of 10% of the base cover, maximum up to 1 lakh per eye if you are treated for the same.
What's okay here?
You can pick a Single Private room but nothing fancy
You can share a room or you could have a single room for yourself. But if you are looking for anything slightly fancy, be ready to foot a part of the bill.
You can share a room or you could have a single room for yourself. But if you are looking for anything slightly fancy, be ready to foot a part of the bill.
Add-ons
Sum Insured Protector
With this add-on, the insurer will increase your cover in line with inflation every year.
BeFit cover
With this add on, you can get coverage for outpatient and e-consultations i.e. doctor visits.
Nursing at home
With this add-on, the insurance company will payout a certain amount each day for medical services of a nurse at residence for a maximum of 15 days post hospitalization.
Claim Protector
With this add-on, you also get extended coverage for generally excluded items like syringes, gloves, PPE kits etc.
International Coverage
With this add-on you get coverage for planned treatment for 45 days per trip and total of 90 days per year till the age of 65 years. You will have to bear a mandatory co-payment of 10% for this.
Compassionate Visit
With this add-on, the insurance company will payout a maximum of ₹20,000/year to cover the cost of economy class air ticket in case an Immediate Family member is visiting the insured person for hospitalization extending more than 5 days.
Frequently Asked Questions
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