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What is ICICI Lombard Health

AdvantEdge policy?
No one plans to fall sick but most people will need
medical care at some point in their life. Right from the
first doctor’s visit, to the lab tests, and pharmacy
bills, the mounting expenses pertaining to full
treatment can be burdensome. To help you in your
illness and wellness journey, ICICI Lombard's Health
AdvantEdge is a holistic policy designed to cater to
your healthcare needs at all stages.

This policy is one of the few healthcare products that

offers all-round wellness and preventive care
benefits. Some of the value-added services under the
Wellness program include reward points for
inculcating healthy habits. Under this cover, the
policyholder can also avail services such as video/tele
consultation, pharmacy and diagnostic services,
online chat with doctors, second opinion, and more.

The policy also has benefits such as pre-existing

disease cover flexibility, domestic and air ambulance
and convalescence benefit. It provides an additional
cover against 20 critical illnesses including cancer.
These add-ons also include maternity insurance for
both mother and the newborn baby for SI above 5
Lakhs.

Top reason to buy ICICI

Lombard Health AdvantEdge
policy
Restore benefit for sum insured

Guaranteed cumulative Bonus

24x7 video/telephone consultation

Convalescence benefit

Health rewards

Pre-existing disease coverO

Domiciliary hospitalization

Domestic Air Ambulance

Personal accident

Maternity cover

New born baby and vaccine cover

Bariatric surgery cover

Why should you buy a health

insurance policy for yourself and
your family?
Family health insurance is the need of the hour.

1 Medical costs are skyrocketing

They are high today and will be higher in the
near future. A family floater health insurance is
a smart way to safeguard your savings during
a medical emergency.

2 Employer provided health policy is not

enough
A health cover provided by your corporate firm
or employer ceases to cover you once you
switch the job. Furthermore, you cannot choose
coverage or benefits as per your needs.
Besides, the sum insured of corporate health
...

3 Lifestyle diseases are on the rise

An unhealthy way of life and work stress have
made even the younger generation prone to
lifestyle diseases. Thus, the need to have a
family health insurance is undisputable even if
you are young. The onset of a chronic...

4 You can save some on family health

insurance premium
By sharing your sum insured, you can smartly
insure your entire family under one health plan.
This will help in bringing down your health
insurance premium significantly. You also do
away with the hassle of managing multiple
policies and their renewals.

5 You get tax benefit on health insurance

premium
As per Section 80D of the Income Tax Act, you
can avail tax benefit on the health insurance
premium. Thus, a health policy not only saves
you from breaking the bank during a medical
emergency but also helps you to save in taxes.

Why should you buy health policy

online from ICICI Lombard?
It is a fuss-free way to secure yourself with one of the
leading health insurance policies.

We know that your busy schedule may leave you

with very little time to find a reliable health policy
for family. So, digital can become your go-to
solution for choosing one of the preferred health
policies in India.

We have hence put together a super easy and

customisable online experience. It can help you
zero down on a health insurance policy for family
from the comfort of your home. You can select and
edit the number of family members you wish to
cover under the family health plan. You can also
have your pick from our smart set of add-on
covers basis your healthcare needs. Additionally,
our health assistance team is available to answer
your health-related queries on our dedicated
helpline 04066274205 between 9 AM to 6 PM from
Monday to Saturday.

That’s not all. We let you claim digitally under

your family medical insurance with us on our IL
TakeCare mobile app. You also get to save 10%
on your health insurance premium when you buy
ICICI Lombard Health AdvantEdge Insurance
policy for 2 years’ tenure.

What is covered in ICICI Lombard

Health AdvantEdge policy?

Inclusions Exclusions

Any illness contracted within 30 days from

the start date of your policy, except those
incurred due to an accident. This clause
does not apply to the subsequent
renewals.

For the first 2 years, some diseases like

cataract, hernia, stone in the urinary
system and others will not be covered.

Any illness or disease or injury or a pre-

existing disease before the start of the
policy. However, these pre-existing
diseases start to get covered if the policy is
renewed with us for two consecutive yea₹.

Permanent exclusions

War, civil war or breach of law.

Naturopathy treatment, acupressure,

acupuncture, magnetic and other such
therapies.

Treatment taken outside the country.

Any expenses arising out of domiciliary

treatment.

Exclusions valid for the first 2 years

Treatment of the following diseases/illness/ailments

Cataract #

Benign prostatic hypertrophy

Myomectomy, hysterectomy unless

because of malignancy

All types of hernia and hydrocele

Joint replacement, unless due to accident

Sinusitis and related disorders

Stone in the urinary and biliary systems

Dilatation and curettage, endometriosis

All types of skin and all internal

tumors/cysts/nodules/polyps of any kind,
including breast lumps, unless malignant

Dialysis required for chronic renal failure

Surgery on tonsils, adenoids and sinuses

Gastric and duodenal erosions and ulcers

Deviated nasal septum

Varicose veins/varicose ulcers

All types of internal congenital anomalies/

illness/ defects

If you renew the policy with us for 2 consecutive years, we

will cover the above diseases or illness or ailments from the
third year.
This list contains major inclusions & exclusions. For the full
list, please read our policy document.

Policy documents:
Health AdvantEdge policy
wordings

ICICI Lombard Health AdvantEdge

Insurance policy add-on benefits
Customise your health insurance policy for your
family with our ready-made set of add-ons*.

Maternity Benefit
Covers the costs of maternity care expenses of expecting
mothers and their new-born With this add-on, prepare
yourself for the additional medical costs of pregnancy
and child delivery: - Covers maternity expenses of up to
10% of base SI subject ...

Sum Insured Protector

Covers the added health care expenses due to
increasing costs of medical treatment Health insurance
is becoming more expensive over the yea₹. Protect your
health plan's Sum Insured against rising inflation by
linking the Sum Insured under the base plan...

Co-payment Option to choose 10% or 20% co-

pay
Co-pay or co-payment is defined as a contribution made
by the policyholder towards the cost of medical
treatment, they claim under their health policy.
Copayment is a good choice if you are young and less
prone to falling sick or contracting diseases. ...

Teleconsultations
Unlimited teleconsultations, available 24x7 with health
care professionals for routine & emergency health
concerns
We will arrange consultations and recommendations for
emergency or everyday health issues by a qualified
healthcare professional ...

What is the difference between

mediclaim insurance and health
insurance policy?
In India, ‘mediclaim’ and ‘health insurance’ are
often used interchangeably. Just as people
normally confuse ‘guarantee’ with ‘warranty’, they
tend to assume mediclaim policy to be the same
as health insurance. But this is not true.

That’s why, before you decide to secure your

health with mediclaim insurance, it is important to
understand what it brings to the table. This will
help you map the right coverage against your
health needs.

Advantages of mediclaim insurance

Hospitalisation coverage
Accident cover
Pre-specified disease cover
Lower premium
·

Tax benefit

Disadvantages of mediclaim insurance

No add-ons
No flexibility
No customisation
Maximum coverage only up to ₹5 lakh

It is natural to find mediclaim policy lucrative over

health insurance due to lower premium and tax
benefit. But how wise is it to secure your health by
only looking at these two advantages? What
about the medical expenses that you would incur
before and after hospitalisation? If you go for a
mediclaim insurance policy, you lose out on many
such benefits that our health insurance policy can
provide apart from the sum insured that can go as
high as ₹50 lakh. You also don’t enjoy the
flexibility to customise your health coverage with
add-ons in a mediclaim insurance policy.

Mediclaim vs Health insurance

The table below gives you the overall picture of what
you would generally get in a mediclaim policy
against a health one.

Mediclaim Health
Key Benefits insurance insurance
policy policy

Hospitalisation

Day care
procedures

Tax benefit

Personal
accident

Pre
hospitalisation

Post
hospitalisation

AYUSH
treatment

Pre-existing
diseases

Additional sum
insured

Reset benefit

Wellness
program

Free health
check-up

Emergency
ambulance

Donor
expenses

Unlimited reset
benefit

Domiciliary
hospitalisation

Air ambulance
cover

Additional sum
insured
protector

Emergency
services

Hospital daily
cash

Convalescence
benefit

Maternity cover

OPD benefit

Nursing at
home

Compassionate
visit

Critical illness
cover

Donor
expenses add-
on

Claim protector

Sum insured
protector

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What is family health insurance?

A family health insurance plan, as the term implies,
covers both you and your family members in the
event of a medical emergency. Family health
insurance has a single premium; you do not have to
pay separately for each covered family member. One
of the key features of a family health plan is that you
can easily add your spouse, children, and dependant
parents in a single health insurance policy and pay
premium for a floater family health insurance.

Benefits of buying health

insurance plans for the family
Covers entire family

Under family health insurance plans,

you can cover your spouse, children,
dependant parents as well as your
dependant in-laws.

Affordable premiums