h.

Sum Insured Enhancement – Sum Insured can be STATUTORY WARNING

PROHIBITION OF REBATES
enhanced only upon renewal, subject to underwriters' (Under Section 41 of Insurance Act 1938)
100 %
approval. 1) No person shall allow or offer to allow, either directly or indirectly as an inducement to any person HEALTH

11,493
12,383
19,705
23,173

20,686
22,289
37,440
46,346
2 Adults + 2 Kids

2 Adults + 2 Kids
to take out or renew or continue an insurance in respect of any kind of risk relating to lives or

Comprehensive

4L

4L
property, in India, any rebate of the whole or part of the commission payable or any rebate of the

-
-
i. Inclusion / Exclusion of Insured – This policy allows to premium shown on the policy, nor shall any person taking out or renewing or continuing a Policy
accept any rebate, except such rebate as may be allowed in accordance with the published
prospectuses or tables of the Insurer.
include or exclude a member in the plan only at the time of 2) Any person making default in complying with the provisions of this section shall be punishable

H
renewal.
Health Insurance
with fine, which may extend to five hundred rupees.

j. Loading in case of Claims – The renewal premium shall be

13,845
16,322

13,743
15,538
26,306
32,644
7,635
8,632
3L

3L
calculated as per the age of the senior most insured

-
For more information on our products,
member as covered under the policy. A loading may be log on to www.icicilombard.com
charged on the premium in case there is a claim in the
expiring policy. The loading of premium is calculated as per
the following scale : Now, one number for

10,236
17,559
21,026

16,822
18,424
33,361
42,052
9,346
2 Adults + 1 Kid

2 Adults + 1 Kid
4L

4L
-
-
i. In case of claim not pertaining to chronic Illness – all your Insurance needs
Claim Amount (Rs.) Loading

G
C
0 - 25,000 Nil
Call us Now!

12,427
14,904

11,191
12,986
23,612
29,808
6,217
7,214
25,001 - 50,000 10%

3L

3L
-

-
50,001 - 100,000 20%
100,001 - 200,000 50%
>200,000 75%

15,412
18,879

12,958
14,560
29,282
37,758
7,199
8,089
4L

4L
-

-
For subsequent renewals, there will be no loading Insure your: Home Health Travel Motor

All prices are inclusive of Service Tax, Education Cess.

2 Adults

2 Adults
unless there is a claim in any renewal policy.
E-mail us at customersupport@icicilombard.com
B

F
ii. In case of claim pertaining to chronic illness like heart
diseases, cancer, brain diseases, organ failure and

11,009
13,486

10,433
20,917
26,972
8,640
4,800
5,796
cirrhosis of the liver, loading of 75% on the base
3L

3L
-

-
premium will be applicable.The loading will be
applicable for all subsequent renewals. If there are
claims in the subsequent renewals , further loading of
75% would be applicable, subject to a maximum of
Leave your Medical

13,074
16,858
2,364
3,200
3,864
6,881
8,429

4,255
5,759
6,956
Expenses to us.
3L

3L
200% on the base premium.
Individual

Individual
The extent of loading thus derived would be applicable
A

for all subsequent renewals.

Two Year (auto - renewal basis)

For the purpose of determination of loading on renewal

11,766
15,172
2,054
2,777
3,478
6,193
7,586

3,697
4,998
6,261
2L

2L

policies, chronic ailments mean any condition or Illness

Mailing Address
which is normally prolonged or recurrent, including but ICICI Lombard General Insurance Company Limited,
not limited to heart diseases, cancer, brain diseases, Zenith House, Keshavarao Khadye Marg,
Opp. Race Course, Mahalaxmi, Mumbai-400 034.
organ failure and cirrhosis of the liver.
Registered Office
Age of Senior

Age of Senior
Most Member

Most Member

ICICI Lombard General Insurance Company Limited,

ICICI Bank Towers, Bandra-Kurla Complex, Mumbai-400 051.
19 yrs. - 35 yrs.
36 yrs. - 45 yrs.
46 yrs. - 55 yrs.
56 yrs. - 60 yrs.

19 yrs. - 35 yrs.
36 yrs. - 45 yrs.
46 yrs. - 55 yrs.
56 yrs. - 60 yrs.
5 yrs. - 18 yrs.

5 yrs. - 18 yrs.

ICICI Lombard General Insurance Co. Ltd.

Insurance is the subject matter of the solicitation.
One Year

This brochure contains only an indication of the cover offered,

for complete details on policy coverage, terms, conditions, exclusions www.icicilombard.com
please read the policy document carefully before concluding a sale.
Tax Benefit under 80D is applicable only in case of premium paid for

10137BO
self/spouse/father/mother & dependant children.
Insurance is the subject matter of solicitation. IRDA Reg. No.115, Misc 34E.
 A FLEXIBLE Health Insurance Plan for your whole family, from ICICI Lombard General Insurance Company Limited
Life is full of surprises.. some bitter some
sweet. For medical emergencies like
surgeries, accidents and sudden illnesses.
ICICI Lombard General Insurance Company
Limited brings you complete Health
Insurance Plan that is flexible enough to
cover members of your family.
Anyone in your family can avail of cover. It can
FLOATER be you, your spouse or your child or your
parents.
Example: Mr. Kumar, his wife and their son are
covered for Rs. 2 lac each, under a regular health policy. They
would have paid premiums for 3 two-lac policies. In an
unforeseen situation wherein a surgery and post-
hospitalisation bill of their son amounts to Rs. 2.4 lacs, the
regular health policy would cover Rs. 2 lac while Mr. Kumar
would have to pay the balance Rs. 40,000, even though there
was no claim from Mr. Kumar and his wife.
With Family Floater, the cover of Rs. 3 lacs would be shared
among the entire Kumar family. Thus making available to
every member a cover of Rs. 3 lacs. Mr. Kumar would have
thus the entire Rs. 2.4 lacs medical expenses covered for his
son.
Comprehensive Health Insurance comes with a
FREE
free health checkup# for one insured person
HEALTH
covering tests like fasting blood sugar, ECG,
CHECK
routine urine analysis, ESR, blood count.
#
Applicable only for two years Floater plans (F to H). Free
Health check as per details given in the coupon.
Note: Acceptance of your proposal would be subject to
receipt of complete medical reports (wherever applicable),
medical underwriting and realisation of full premium amount
by the company.
Simply use your Health ID Card at any of our
CASHLESS 3500+network hospitals and avail cashless
service, a boon for those times when you need
finance the most.
You can avail of tax benefits on your premium
TAX
paid as per provisions of Section - 80D* of the
BENEFITS
Income Tax (Amendment) Act, 1961.
*Subject to changes in tax laws
Covers medical expenses incurred during
COVERAGES hospitalisation for more than 24 consecutive
hours
• 30 days pre-hospitalisation
• 60 days post-hospitalisatio
• Named advanced technological surgeries & procedures
that require less than 24 hours of hospitalisation.*
• Pre-existing diseases can be covered after 4 continuous
Years* of coverage.
Health
* Conditions Apply
The insured once during the policy
CONVALESCENCE period, is eligible for a benefit amount of
Care
BENEFIT Rs.10,000 if the Insured is hospitalised for
any bodily injury or illness as covered
under the policy, for as period of 10
consecutive days or more.
HOW DO I CLAIM MY INSURANCE?
The claims for Comprehensive Health Insurance are serviced
by i Health Care, ICICI Lombard’s very own claims processing
portal. It has always been our endevour to provide the best of
policy and services to our valued customers, i Health Care is
our initiative towards this commitment. .
In case of emergency or planned hospitalization, just use your
health ID card at i Health Care network hospitals and avail of
cashless service.
Call 24-hours-toll-free number 1800-209-8888 for the
complete assistance.
For treatment in non-cashless hospitals, the claim form
should be filled fully after discharge from hospital and sent to i
Health Care office along with following documents in
original*
Standard list of documents required;
1. Claim form duly filled & signed by the insured & doctor.
2. Original discharge card/ summary & Final bill.
3. All investigation reports in originals.
4. All medicines /lab/ hospital bill in original.
5. All payments receipts in original and should be stamped.
6. Any other required documents depending upon the
case.
Disclaimer : Cashless Approval is subject to pre-
authorisation by the company.
*Only expenses relating to hospitalization will be reimbursed
as per the policy coverage. Non-medical expenses will not be
reimbursed.
ELIGIBILITY
• Enrollment age for the seniormost members proposed for
insurance is from 5 years to 60
years.
• Proposer needs to be aged 18
years or above.
• Children between the age of 3
months to 5 years will be
covered under a floater plan
only.
• Individual(s) proposed for Insurance whose age is 46
years & above have to undergo medical tests at ICICI
Lombard designated diagnostic centers.
EXCLUSIONS
• Any illness/ disease/ injury/pre-existing before the
inception of the policy for the first 4 years.
• Non-allopathic treatment, Pregnancy & Childbirth-related
diseases, cosmetic aesthetic & 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
• Any medical expenses incurred during the first 30 days of
inception of the policy, except those arising out of
accidents. This exclusion doesn’t apply for subsequent
renewals with company without a break.
• Congenital disease
• War, riot, strike, nuclear weapons induced hospitalization
EXCLUSIONS-FIRST TWO YEAR
There are certain ailments which are not covered in the first
two years , but covered subsequently.
• Cataract*
• Benign Prostatic Hypertrophy
• Myomectomy, Hystetrectomy unless because of
malignancy
• Hernia, Hydrocele
• Fistula in anus, Piles
• Arthritis, gout, rheumatism
• Joint replacements unless due to accident
• Sinusitis and related disorders
• Stones in the urinary and biliary systems
• Dilatation and curettage
• Skin and all internal tumors/ cysts/ nodules/ polyps of any
kind including breast lumps unless malignant/ adenoids
and hemorrhoids
• Dialysis required for chronic renal failure
• Surgery on tonsils and sinuses
• Gastric and duodenal ulcers
* After 2 years a sub-limit of Rs. 20,000 per eye is applicable
TERMS OF RENEWABILITY
a. The policy can be renewed under the then prevailing
Comprehensive Health Insurance Plan or its nearest
substitute approved by IRDA in the event that the plan has
been discontinued.
b. Renewal Premium - Premium payable on renewal and on
subsequent continuation of cover are subject to change
with prior approval from IRDA.
c. Maximum Entry Age – The maximum entry age under this
policy is 60 years.
d. Maximum Renewal Age – This policy can be renewed up to
a maximum age of 70 years.
e. Floater Benefit – The floater benefit under this policy is
available up to the age of 60 years. All the insured above
age of 60 years will be renewed under an individual plan.
f. Grace Period - The Policy may be renewed by mutual
consent and in such event the renewal premium shall be
paid to the Company on or before the date of expiry of the
Policy and in no case later than 15 days (Grace Period) from
the expiry of the Policy. However, the Company shall not be
liable for any claim for the period for which premium is not
received by the Company.
g. Cumulative Bonus - An Additional Sum Insured of 5%
would be provided on cumulative basis on each renewal
upto a maximum of 50% in case their is no claim under the
policy. However, 10% of the Sum Insured will be reduced
from the accumulated Additional Sum Insured, in case
there is a claim under the policy.