ICICI Lombard Health Insurance for Parents

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      ICICI Lombard Health Insurance for Parents

      ICICI Lombard Health Insurance for parents has been designed to provide comprehensive medical coverage to parents above the age of 50 years. It pays for the emergency and planned treatment expenses that parents are likely to incur as they get older. These mediclaim insurance plans also provide customized benefits to parents, such as preventive health check-ups, care management programs, reset benefits, wellness programs, claim protectors, teleconsultation benefits, etc.

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      ICICI Lombard Health Insurance Plans for Parents

      Check out the various health insurance plans for parents offered by the ICICI Lombard General Insurance Company:

      Plan Name Sum Insured Pre-existing Diseases Waiting Periods Co-Payment
      ICICI Lombard Golden Shield Plan ₹5 lakh to ₹50 lakh 2 years 50% co-payment on all claims
      ICICI Lombard Health AdvantEdge Plan ₹3 lakh to ₹3 crore 2 years NA
      ICICI Lombard Max Protect Plan ₹50 lakh & above 4 years Up to 16% zone-based co-payment
      ICICI Lombard Complete Health Insurance Plan ₹5 lakh to ₹3 crore 2 years Up to 16% zone-based co-payment
      ICICI Lombard Smart Super Health Insurance Plan ₹5 lakh to ₹1 crore 4 years NA
      ICICI Lombard Health Shield 360 Retail Plan ₹3 lakh to ₹3 crore 1 year, 2 years NA
      ICICI Lombard iShield Plan ₹2 lakh to ₹3 crore 2 years, 3 years, 4 years 10% or 20%

      Eligibility Criteria for ICICI Lombard Health Insurance for Parents

      Given below is the eligibility criteria for parents to buy an ICICI Lombard medical insurance plan:

      Categories Eligibility Criteria
      Minimum Entry Age 18 years
      56 years (For the Golden Shield plan)
      Maximum Entry Age 65 years
      No age limit (For Golden Shield and Complete Health Insurance plans)
      Renewability Lifetime

      Key Benefits of ICICI Lombard Health Insurance for Parents

      Take a look at the key benefits of buying an ICICI Lombard health insurance plan for parents:

      • Individual as well as family floater coverage are available
      • Preventive health check-up benefits are available
      • Reset benefit/ restoration of the sum insured benefit is available
      • Cumulative bonus is granted for up to 100% for every claim-free year
      • Tax benefits are available on the paid health insurance policy premium
      • Up to 15% tenure discount is available
      • 5% online discount is available
      • Up to 25% wellness discount is available
      • Up to 70% voluntary deductible discount is available
      • Up to 16% zone-based discount is available
      • Up to 2.5% pneumococcal disease vaccination discount is available
      • 5% combi product discount is available
      • Care management program, wellness program and value-added services are available

      Inclusions of ICICI Lombard Health Insurance for Parents

      The following coverage are included under ICICI Lombard health insurance plans for parents:

      Coverage ICICI Lombard Golden Shield Plan ICICI Lombard Health AdvantEdge Plan ICICI Lombard Max Protect Plan ICICI Lombard Complete Health Insurance Plan ICICI Lombard Smart Super Health Insurance Plan ICICI Lombard Health Shield 360 Retail Plan ICICI Lombard iShield Plan
      In-patient treatment
      Pre-hospitalization medical expenses
      Post-hospitalization medical expenses
      Donor expenses
      Day care procedures/ treatment
      AYUSH treatment
      Domestic road ambulance
      Domiciliary hospitalization
      Domestic air ambulance
      (under the Premium variant)
      X
      Modern treatments X X
      Reset benefit X X
      Home care treatment
      (under the Premium variant)
      X X
      Preventive health check-up
      (under the Premium variant)
      X X
      Incentives for pneumococcal disease vaccination X X
      Teleconsultation X X X
      Wellness program X X X X
      Animal bite (vaccination) X X X X
      Convalescence benefit X X X X
      Bariatric surgery cover X X X X
      Restoration of sum insured X X X X X
      Enhanced annual sum insured for road traffic accidents X X X X X X
      Care management program X X X X X X
      In-patient hospitalization for surrogate mother X X X X X X
      In-patient hospitalization for oocyte donor X X X X X X
      Value-added services X X X X X X
      Worldwide cover X X
      (under the Premium variant)
      X X X X
      Claim protector X X
      (under the Premium variant)
      X X X X
      Second opinion for critical illness X X
      (under the Premium variant)
      X X X X
      Outpatient emergency treatment (accidents only) X X X X X X
      Outpatient dental emergency treatment (accidents only) X X X X X X

      Optional Covers

      Maternity benefit X X
      Newborn baby cover X X
      Claim protector X
      Hospital daily cash X X X
      Critical illness X X
      Worldwide cover X X X
      Sum insured protector X X X
      BeFit X X X
      Nursing at home X X X X
      Compassionate visit X X X X
      Personal accident cover X X X X
      Voluntary deductible X X X X
      Voluntary co-payment X X X X X
      Convalescence benefit X X X X X
      Super no claim bonus X X X X X
      First year vaccinations for newborn baby X X X X X
      Modification of base co-payment X X X X X X
      Care management plus program X X X X X X
      Preventive health check-up (reimbursement) X X X X X X
      Room rent capping X X X X X X
      PED waiting period reduction X X X X X X
      Room eligibility X X X X X X
      Outpatient treatment X X X X X
      Preventive health check-up (cashless) X X X X X X
      Dependent accommodation X X X X X X
      Domestic air ambulance X X X X X X
      OPD for medical and dental X X X X X X
      Teleconsultation X X X X X X
      Home care treatment X X X X X X

      Exclusions of ICICI Lombard Health Insurance for Parents

      ICICI Lombard health insurance for parents excludes the following:

      • Obesity or weight control procedures
      • Cosmetic or plastic surgery
      • Treatment for alcoholism or drug addiction
      • Dietary supplements and substances
      • Sexually transmitted diseases
      • Intentional self-injury
      • Artificial life maintenance
      • Unproven treatments

      FAQs

      • Q1. Does ICICI Lombard health insurance cover parents?

        Ans: Yes. The ICICI Lombard General Insurance Company provides coverage for parents under Golden Shield, Health AdvantEdge, Complete Health Insurance, Super Smart Health Insurance, Max Protect and iShield plans.
      • Q2. What are the waiting periods for ICICI Lombard health insurance for parents?

        Ans: The following waiting periods are applicable to ICICI Lombard health insurance plans for parents:
        • Pre-existing disease waiting period – 1 year, 2 years, 3 years, 4 years
        • Specified disease/ procedure waiting period – 1 year, 2 years
        • Diabetes/ hypertension/ cardiac conditions waiting period – 90 days
        • Initial waiting period – 30 days
        • Maternity waiting period – 9 months, 2 years, 3 years
        • Critical illness waiting period – 60 days, 90 days
        • Worldwide cover waiting period – 2 years
        • Bariatric surgery waiting period – 2 years, 3 years
        • Outpatient treatment waiting period – 90 days

        However, the waiting period may vary from one ICICI Lombard health plan to another.

      • Q3. Can I take ICICI Lombard health insurance for my parents

        Ans: Yes. You can buy ICICI Lombard health insurance as a proposer on behalf of your parents.
      • Q4. Is it worth to buy ICICI Lombard health insurance for parents?

        Ans: Yes. Buying the best health insurance plan from ICICI Lombard General Insurance Company for your parents is a good investment as it covers them for any medical emergencies and age-related illnesses. Since medical inflation is rising, having health insurance for your parents can ensure access to uninterrupted healthcare services without worrying about exhausting your finances.
      • Q5. How can I check ICICI Lombard health insurance for parents cost?

        Ans: You can check the ICICI Lombard health insurance premium chart to determine the cost of your parents’ health policy. Alternatively, you can also use an ICICI Lombard health insurance premium calculator to calculate the premium of a mediclaim policy
      Policybazaar exclusive benefits
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      • 24*7 claims assistance In 30 mins. guaranteed*
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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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