Health insurance is more than just a safety net; it’s a shield against the uncertainties of life. ICICI Lombard Health AdvantEdge is more than just a policy; it’s a promise of security and well-being for you and your loved ones. Let’s delve into the depths of this plan to understand its offerings and how it can benefit you.
Policy Options
Starting at the age of 18 and extending up to 65 for adults and 25 for dependent children, ICICI Lombard Health AdvantEdge ensures coverage for a wide range of ages. The policy term ranges from 1 to 3 years, offering flexibility to suit your needs. With sum insured options ranging from 3 lakhs to 3 crores, you have the freedom to choose the coverage that aligns with your requirements.
Waiting Period
The initial 30 days waiting period is a standard practice, waived off in case of accidental emergencies. Specific ailments and pre-existing diseases come with a waiting period of 2 years, ensuring comprehensive coverage once the waiting period expires.
Pre and Post-Hospitalisation
This policy goes beyond just hospitalisation coverage; it extends its protection to pre and post-hospitalisation medical expenses. With coverage for expenses up to 60 days before hospital admission and 180 days post-discharge, you can rest assured knowing that your medical needs are taken care of.
Daycare Treatment
Advancements in medical technology have made many treatments possible within a day. ICICI Lombard Health AdvantEdge acknowledges this by providing comprehensive coverage for daycare treatments, without any limitations on expenses. Moreover, there are no restrictions on room rent, allowing you to choose accommodations based on your comfort and convenience.
Ambulance Services
In times of emergencies, every minute counts. This policy covers expenses related to surface ambulance services and provides coverage for air ambulance services up to the sum insured. Additionally, medical expenses incurred abroad during hospitalisation are reimbursed, ensuring you’re protected no matter where you are.
Cumulative Bonus
For every claim-free year, the plan offers an additional sum insured of 20%, accumulating up to 100% at the time of policy renewal. The restore benefit feature replenishes the total insured amount, including any accrued additional sum insured, ensuring continuous coverage even after previous claims.
Sum Insured
With coverage for products not typically covered by your claim, ICICI Lombard Health AdvantEdge prioritizes your financial well-being. Claims up to ₹50,000 in the previous policy year won’t affect the accumulated additional sum insured, providing you with peace of mind and financial security.
Essence
ICICI Lombard Health AdvantEdge is not just a health insurance plan; it’s a partner in your journey towards a healthier and happier life. With its comprehensive coverage, flexible options, and customer-centric features, it stands as a beacon of reliability in the realm of health insurance.
