STATUTORY WARNING

PROHIBITION OF REBATES
(Under Section 41 of Insurance Act 1938)

11,694
Family Protect
12,600

20,051

23,580
1) No person shall allow or offer to allow, either directly or indirectly as an inducement to any person
4 lac to take out or renew or continue an insurance in respect of any kind of risk relating to lives or
2 Adults + 2 Kids

property, in India, any rebate of the whole or part of the commission payable or any rebate of the
- 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.
2) Any person making default in complying with the provisions of this section shall be punishable
D

with fine, which may extend to five hundred rupees.

An Insurance Package
14,088

16,609
7,769

8,784
3 lac
-

For All In Your Family

Ahmedabad 6630 9877 Bangalore 4118 7464
10,415

17,867

21,395
9,510
4 lac
2 Adults + 1 Kid

Chandigarh 505 5707 Chennai 4201 7877

-

Coimbatore 438 7877 Hyderabad 2312 8511

Indore 402 7877 Kochi 98954 77877
All prices are inclusive of Service Tax, Education Cess & TPA fees.

Kolkata 98313 77877 Lucknow 99351 47877

C

Mumbai 2830 7711 Pune 98900 17877

Andhra Pradesh 98495 77877 Delhi 98181 77877
12,646

15,166

Gujarat 98982 77877 Karnataka 98455 77877

6,326

7,341
3 lac

Kerala 98954 77877 Maharashtra 98900 17877

-

Madhya Pradesh 98930 47877 Rajasthan 98297 96547

Tamil Nadu 98944 77877
15,682

19,211
7,325

8,231

For Further Details Pertaining to Claims:

4 lac
-

CALL: 1800-425-8885, 1800-425-7878 & 1800-425-8854*

2 Adults

For Further Details Pertaining to Policy Documents:

B

CALL: 1800-22-2030*
11,203

13,723
4,884

5,898
3 lac
-
2,405

3,256

3,932

7,002

8,577
3 lac

Cashless service available

One Year Cover

Individual

at over 3400 Hospitals

A

2,090

2,825

3,539

6,301

7,719
2 lac

Mailing Address
ICICI Lombard General Insurance Company Limited,
Zenith House, Keshavarao Khadye Marg,
Opp. Race Course, Mahalaxmi, Mumbai-400 034.
PREMIUM TABLE (RS.)

Registered Office
ICICI Lombard General Insurance Company Limited,
Age of Senior
Most Member

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.
5 yrs. - 18 yrs.

ICICI Lombard General Insurance Co. Ltd.

Insurance is the subject matter of the solicitation. Misc 34E.

This brochure contains only a brief description of the

ICICI Lombard Health Care Insurance Policy. For complete details, www.icicilombard.com
070012BO

refer to the insurance policy wordings available on request.

ICICI Lombard General Insurance Co. Ltd.
* Accessible through MTNL/BSNL line only Insurance is the subject matter of the solicitation.
 A FLEXIBLE Health Insurance Plan for your family brought to you by ICICI Lombard General Insurance Company Ltd.
U n d e r Fa m i l y ELIGIBILITY
Life is full of surprises... some TAX Protect, you can
bitter, some sweet. For medical BENEFITS avail of tax Individual(s) proposed for insurance whose age are 55 years and
emergencies like surgeries, benefits on your above have to compulsorily undergo medical tests at ICICI
accidents and sudden illnesses, premium paid as per provisions of Lombard designated diagnostic centers. Children between the
ICICI Lombard General Insurance Section 80D* of the Income Tax age of 3 months to 5 years will be covered only under a floater plan.
Company Limited brings you (Amendment) Act, 1986.
Family Protect, a complete Health
*Subject to changes in tax laws EXCLUSIONS UNDER FAMILY PROTECT
Insurance Plan that is flexible
enough to cover all members of Covers medical expenses incurred during · Any illness / disease / injury existing before the inception of
your family. hospitalisation for more than 24 hours.
COVERAGES the policy for the first 4 years.
· 30 days pre- hospitalisation · Non-allopathic treatment, Pregnancy & Childbirth-related
· 60 days post-hospitalisation diseases, cosmetic aesthetic & obesity-related treatment.
· Named advanced technological surgeries & procedures that · Expenses arising from HIV or AIDS and related diseases, use

Family Protect require less than 24 hours of hospitalisation*.

th
· Pre-existing diseases can be covered after 4 Year*.
or misuse of liquor, intoxicating substances or drugs as well
as intentional self injury.

* Conditions apply. · Any medical expenses incurred during the first 30 days of
brings you many unique benefits inception of the policy, except accidents.
Choose from various payment options of Cheque /
EASY PAYMENT · Congenital Disease.
Credit card.
Anyone in your family can avail of cover under OPTION · War, riot, strike, nuclear weapons induced hospitalization

FLOATER Family Protect. It can be you, your spouse or your

child.
Example: Mr. Kumar, his wife and their son are
covered for Rs.1 lac each, under a regular health
policy. They would have paid premiums for 3 one-lac policies. In an
unforeseen situation wherein a surgery and post- hospitalisation
bill of their son amounts to Rs.1.4 lacs, the regular health policy
would cover Rs.1 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.
The insured once during the policy period, is eligible EXCLUSION–FIRST TWO YEARS
CONVALESCENCE for a benefit amount of Rs.10,000 if the Insured is
There are certain ailments which are not covered in the first two
BENEFIT hospitalised for any bodily injury or illness as
years, but are covered subsequently.
covered under the policy, for as period of 10
consecutive days or more. · Cataract*
· Benign Prostatic Hypertrophy
HOW DO I CLAIM MY INSURANCE?
· Myomectomy, Hysterectomy unless because of malignancy
In case of emergency or planned hospitalisation, just use your
Family Protect Health ID Card at our network hospitals and avail of · Hernia, Hydrocele

With Family Protect, 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 thus have the entire Rs.1.4 lacs
medical expenses covered for his son.
cashless service. Call our 24-hour toll-free number 1800-425- · Fistula in anus, Piles
8885/7878/8854 for complete health assistance. · Arthritis, gout, rheumatism
For treatment in non-network hospitals: The claim form must be
· Joint replacements unless due to accident
filled fully after discharge from hospital and sent to TTK office
along with the following documents in original *. · Sinusitis and related disorders

Treatment amount covered without any specific
NO SUB sublimit.
LIMIT
Simply use your Family Protect ID Card at any of the
CASHLESS 3400 + network hospitals and avail cashless
service, a boon for those times when you need
finance the most.
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.
· Hospital Bill with Receipt for payment, the receipt should be
stamped and preferably numbered.
· Doctors prescription and medicine bills.
· Discharge summary from the hospital.
· Pathological reports and other investigation reports along with
the doctor's authorization.
· All other relevant details and documents connected to
hospitalization.
* Only expenses relating to hospitalization will be reimbursed as
per the policy coverage. Non-medical expenses will not be
reimbursed.
· 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
 STATUTORY WARNING
PROHIBITION OF REBATES
(Under Section 41 of Insurance Act 1938)

Family Protect
1) No person shall allow or offer to allow, either directly or indirectly as an inducement to any person
to take out or renew or continue an insurance in respect of any kind of risk relating to lives or

21,050

22,680

38,098

47,160
property, in India, any rebate of the whole or part of the commission payable or any rebate of the
2 Adults + 2 Kids
4 lac
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.
2) Any person making default in complying with the provisions of this section shall be punishable
with fine, which may extend to five hundred rupees.
H

An Insurance Package
13,985

15,811

26,768

33,218
3 lac
-

For All In Your Family

Ahmedabad 6630 9877 Bangalore 4118 7464
Chandigarh 505 5707 Chennai 4201 7877
17,117

18,748

33,947

42,791
4 lac
2 Adults + 1 Kid

Coimbatore 438 7877 Hyderabad 2312 8511

-

Indore 402 7877 Kochi 98954 77877

All prices are inclusive of Service Tax, Education Cess & TPA fees.
Kolkata 98313 77877 Lucknow 99351 47877
Mumbai 2830 7711 Pune 98900 17877
G

Andhra Pradesh 98495 77877 Delhi 98181 77877

Gujarat 98982 77877 Karnataka 98455 77877
11,387

13,213

24,026

30,332
3 lac

Kerala 98954 77877 Maharashtra 98900 17877

-

Madhya Pradesh 98930 47877 Rajasthan 98297 96547

Tamil Nadu 98944 77877

For Further Details Pertaining to Claims:

13,185

14,816

29,796

38,422
4 lac

CALL: 1800-425-8885, 1800-425-7878 & 1800-425-8854*

-
2 Adults

For Further Details Pertaining to Policy Documents:

CALL: 1800-22-2030*
F

10,616

21,285

27,446
8,792
3 lac
-

13,303

17,154
4,329

5,860

7,077
3 lac

Cashless service available

Two Year Cover

Individual

at over 3400 Hospitals

E

11,972

15,438
3,762

5,085

6,370
2 lac

Mailing Address
ICICI Lombard General Insurance Company Limited,
Zenith House, Keshavarao Khadye Marg,
Opp. Race Course, Mahalaxmi, Mumbai-400 034.
PREMIUM TABLE (RS.)

Registered Office
ICICI Lombard General Insurance Company Limited,
Age of Senior
Most Member

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.
5 yrs. - 18 yrs.

ICICI Lombard General Insurance Co. Ltd.

Insurance is the subject matter of the solicitation. Misc 34E.

This brochure contains only a brief description of the www.icicilombard.com

ICICI Lombard Health Care Insurance Policy. For complete details,
070012BO

refer to the insurance policy wordings available on request.

ICICI Lombard General Insurance Co. Ltd.
* Accessible through MTNL/BSNL line only Insurance is the subject matter of the solicitation.
 A FLEXIBLE Health Insurance Plan for your family brought to you by ICICI Lombard General Insurance Company Ltd.
Life is full of surprises... some bitter, Simply use your Family Protect ID Card at any of the ELIGIBILITY
3400 + network hospitals and avail cashless service, a
s o m e s w e e t . Fo r m e d i c a l CASHLESS boon for those times when you need finance the most. Individual(s) proposed for insurance whose age are 55 years and above
emergencies like surgeries,
have to compulsorily undergo medical tests at ICICI Lombard
accidents and sudden illnesses,
designated diagnostic centers. Children between the age of 3 months
ICICI Lombard General Insurance U n d e r Fa m i l y to 5 years will be covered only under a floater plan.
Company Limited brings you Family TAX Protect, you can
Pr o t e c t , a c o m p l e t e H e a l t h BENEFITS avail of tax benefits
Insurance Plan that is flexible on your premium EXCLUSIONS UNDER FAMILY PROTECT
enough to cover all members of your paid as per provisions of Section · Any illness / disease / injury existing before the inception of the
family. 8 0 D * o f t h e I n c o m e Ta x policy for the first 4 years.
(Amendment) Act, 1986.
· Non-allopathic treatment, Pregnancy & Childbirth-related diseases,
*Subject to changes in tax laws
cosmetic aesthetic & obesity-related treatment.

Family Protect Covers medical expenses incurred during

brings you many unique benefits
Anyone in your family can avail of cover under Family
Protect. It can be you, your spouse or your child.
FLOATER
Example: Mr. Kumar, his wife and their son are
covered for Rs.1 lac each, under a regular health policy.
They would have paid premiums for 3 one-lac policies. In an
unforeseen situation wherein a surgery and post- hospitalisation bill of
their son amounts to Rs.1.4 lacs, the regular health policy would cover
Rs.1 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 Protect, 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 thus have the entire Rs.1.4 lacs medical
expenses covered for his son.
Treatment amount covered without any specific
NO SUB
sublimit.
LIMIT
Family Protect comes with a free health check for you
FREE HEALTH and Discount Coupons for health check* of other
CHECK members in your family.
* Applicable only for 2 year Floater plans. 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.
Renewal only after 2 years which means that your
family is under protection for 2 consecutive years,
2 YEARS without any increase in premium, nor do you have to
undergo renewal hassles after one year.
* Family Protect is also available in one year.
hospitalisation for more than 24 hours.
· Expenses arising from HIV or AIDS and related diseases, use or
misuse of liquor, intoxicating substances or drugs as well as
COVERAGES · 30 days pre- hospitalisation intentional self injury.
· Any medical expenses incurred during the first 30 days of inception
· 60 days post-hospitalisation
of the policy, except accidents.
· Named advanced technological surgeries & procedures that
require less than 24 hours of hospitalisation*. · Congenital Disease.
· Pre-existing diseases can be covered after 4th Year*.
· War, riot, strike, nuclear weapons induced hospitalization
* Conditions apply.
EXCLUSION – FIRST TWO YEARS
Choose from various payment options of Cheque /
EASY PAYMENT Credit card. There are certain ailments which are not covered in the first
OPTION two years, but are covered subsequently.
· Cataract*
The insured once during the policy period, is eligible for · Benign Prostatic Hypertrophy
CONVALESCENCE a benefit amount of Rs.10,000 if the Insured is · Myomectomy, Hysterectomy unless because of malignancy
BENEFIT hospitalised for any bodily injury or illness as covered
under the policy, for as period of 10 consecutive days or · Hernia, Hydrocele
more. · Fistula in anus, Piles
· Arthritis, gout, rheumatism
HOW DO I CLAIM MY INSURANCE?
· Joint replacements unless due to accident
In case of emergency or planned hospitalisation, just use your Family
· Sinusitis and related disorders
Protect Health ID Card at our network hospitals and avail of cashless
service. Call our 24-hour toll-free number 1800-425-8885/7878/8854 · Stones in the urinary and biliary systems
for complete health assistance.
· Dilatation and curettage
For treatment in non-network hospitals: The claim form must be filled
fully after discharge from hospital and sent to TTK office along with the
· Skin and all internal tumors / cysts / nodules / polyps of any kind
including breast lumps unless malignant / adenoids and
following documents in original *.
hemorrhoids
· Hospital Bill with Receipt for payment, the receipt should be
stamped and preferably numbered. · Dialysis required for chronic renal failure
· Doctors prescription and medicine bills. · Surgery on tonsils and sinuses
· Discharge summary from the hospital. · Gastric and Duodenal ulcers
· Pathological reports and other investigation reports along with the
doctor's authorization. * After 2 years a sub-limit of Rs.20,000 per eye is applicable
· All other relevant details and documents connected to
hospitalization.
* Only expenses relating to hospitalization will be reimbursed as per
the policy coverage. Non-medical expenses will not be reimbursed.