ICICI Lombard Health Insurance Riders

ICICI Lombard Health Insurance Riders

ICICI Lombard health insurance riders are additional coverage benefits that policyholders can use to enhance the coverage of their base health policy. These health insurance riders can be obtained on payment of an additional premium amount. Policyholders can purchase these riders from the ICICI Lombard General Insurance Company at the time of buying or renewing their medical insurance policy.

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List of ICICI Lombard Health Insurance Riders in India

Check out various riders available with ICICI Lombard health insurance plans:

1. Critical Illness

   The Critical Illness rider pays a lump sum amount to the policyholder on the first diagnosis of any of the listed critical illnesses. This rider is available under ICICI Lombard Health AdvantEdge, ICICI Lombard Wyn Health, ICICI Lombard iShield, ICICI Lombard Complete Health Insurance, ICICI Lombard Smart Super Health Insurance, ICICI Lombard Health Booster and ICICI Lombard Hospifund Insurance plans. However, this health insurance rider comes with a waiting period of 90 days.

2. Hospital Cash Benefit

   The Hospital Cash Benefit rider pays a daily cash allowance in case the insured is hospitalized for a specified number of days. This rider is available under ICICI Lombard iShield, ICICI Lombard Health Shield 360, ICICI Lombard Complete Health Insurance, ICICI Lombard Smart Super Health Insurance, ICICI Lombard Health Booster, ICICI Lombard Personal Care and ICICI Lombard Personal Protect plans.

3. Claim Protector/ All-Payable Claims

   The Claim Protector/ All-Payable Claims rider pays for the non-medical expenses incurred during in-patient hospitalization or day care treatment of the insured. This rider is available under ICICI Lombard Health AdvantEdge, ICICI Lombard Wyn Health, ICICI Lombard iShield, ICICI Lombard Health Shield 360, ICICI Lombard Complete Health Insurance and ICICI Lombard Golden Shield plans.

   People also read: List of Different Types of Non-Medical Expenses in Health Insurance

4. Maternity Benefit/ Mom-To-Be

   The Maternity Benefit/ Mom-To-Be rider pays for the pregnancy-related medical expenses of the insured mother, including delivery expenses and pre-natal & post-natal expenses. This rider is available under ICICI Lombard Health AdvantEdge, ICICI Lombard Wyn Health, ICICI Lombard iShield, ICICI Lombard Health Shield 360, ICICI Lombard Complete Health Insurance and ICICI Lombard Smart Super Health Insurance plans. However, this maternity insurance rider comes with a waiting period of 9 months, 2 years or 3 years.

5. Newborn Baby Cover

   The Newborn Baby Cover rider pays for the in-patient hospitalization expenses of the newborn baby until the baby is 90 days old. This rider is available under ICICI Lombard Health AdvantEdge, ICICI Lombard Wyn Health, ICICI Lombard iShield, ICICI Lombard Health Shield 360, ICICI Lombard Complete Health Insurance and ICICI Lombard Smart Super Health Insurance plans.

6. Personal Accident

   The Personal Accident rider pays a lump sum amount in case of accidental death, permanent total disability or permanent partial disability of the insured. This rider is available under ICICI Lombard Health AdvantEdge, ICICI Lombard iShield, ICICI Lombard Complete Health Insurance, ICICI Lombard Criti Shield Plus and ICICI Lombard Health Booster plans.

7. Sum Insured Protector

   The Sum Insured Protector rider increases the sum insured of the ICICI Lombard health insurance policy at every renewal on a cumulative basis, depending on the previous year’s inflation rate. This rider is available under ICICI Lombard Health AdvantEdge, ICICI Lombard iShield, ICICI Lombard Health Shield 360 and ICICI Lombard Complete Health Insurance plans.

8. Convalescence Benefit

   The Convalescence Benefit rider pays a lump sum amount if the insured is hospitalized for 10 days or more. This rider is available under ICICI Lombard Health Shield 360, ICICI Lombard Complete Health Insurance, ICICI Lombard Health Booster and ICICI Lombard Hospifund Insurance plans.

9. Worldwide Cover

   The Worldwide Cover rider pays for hospitalization and day care treatment expenses availed outside India, including the USA and Canada. This rider is available under ICICI Lombard Health AdvantEdge, ICICI Lombard iShield and ICICI Lombard Health Shield 360 plans. Some plans may also cover road and air ambulance charges. However, this global health insurance rider comes with a waiting period of 2 years apply for all planned hospitalizations.

10. Nursing at Home

    The Nursing at Home rider provides a daily allowance to the policyholder for availing medical services of a qualified nurse at home. This rider is available under ICICI Lombard Health AdvantEdge, ICICI Lombard Health Shield 360 and ICICI Lombard Complete Health Insurance plans.

11. Compassionate Visit

    The Compassionate Visit rider reimburses the cost of a two-way economy class aeroplane/train ticket for an immediate family member in case the insured has been hospitalized for more than 5 days. This rider is available under ICICI Lombard Health AdvantEdge, ICICI Lombard Health Shield 360 and ICICI Lombard Complete Health Insurance plans.

12. BeFit Benefit

    The BeFit Benefit rider provides cashless coverage for physical doctor consultations, routine diagnostic & minor procedure, pharmacy, physiotherapy sessions and diet & nutrition e-consultation. This rider is available under ICICI Lombard Health AdvantEdge, ICICI Lombard Health Shield 360 and ICICI Lombard Complete Health Insurance plans.

13. Voluntary Deductible/ My Deductible

    The Voluntary Deductible/ My Deductible rider reduces the premium of the ICICI Lombard health policy if the policyholder agrees to pay a deductible in case of a claim. This rider is available under ICICI Lombard Health AdvantEdge, ICICI Lombard Wyn Health and ICICI Lombard Golden Shield plans.

    People also read: What is Deductible in Health Insurance?

14. Cut the Wait/ PED Waiting Period Reduction

    The Cut the Wait/ PED Waiting Period rider shortens the pre-existing disease waiting period of the ICICI Lombard health policy. This rider is available under ICICI Lombard Wyn Health and ICICI Lombard Max Protect plans.

15. Vaccinations for the Newborn Baby in the First Year

    The Vaccinations of the Newborn Baby in the First Year rider covers the cost of vaccinations administered to the newborn baby up to the age of 1 year. This rider is available under ICICI Lombard Health AdvantEdge and ICICI Lombard iShield plans.

16. Preventive Health Check-up

    The Preventive Health Check-up rider reimburses the cost of availing preventive health check-ups during the policy year. This rider is available under ICICI Lombard Health AdvantEdge and ICICI Lombard Health Shield 360 plans.

    People also read: Annual Health Check-ups in Health Insurance: All You Need to Know

17. Super No Claim Bonus

    The Super No Claim Bonus rider increases the sum insured of the health insurance policy by 50% for up to 200% for every claim-free year. This rider is available under ICICI Lombard Wyn Health, ICICI Lombard Health Shield 360 and ICICI Lombard Complete Health Insurance plans.

18. Voluntary Co-Payment

    The Voluntary Co-payment rider reduces the annual ICICI Lombard health insurance premium if the policyholder agrees to bear a fixed percentage of the total claim amount on every claim. This rider is available under ICICI Lombard Health AdvantEdge and ICICI Lombard Complete Health Insurance plans.

    People also read: What is Co-Payment in Health Insurance?

19. OPD for Medical and Dental/ Outpatient Treatment

    The OPD for Medical and Dental/ Outpatient Treatment rider reimburses the medical expenses incurred on doctor consultations, medicines, diagnostic tests, etc., on an OPD basis. This rider is available under ICICI Lombard iShield and ICICI Lombard Complete Health Insurance plans.

20. Repatriation of Remains/ Carriage of Dead Body

    The Repatriation of Remains/ Carriage of Dead Body rider reimburses the cost of transporting the mortal remains of the insured to their residence. This rider is available under ICICI Lombard Health Booster and the ICICI Lombard Personal Protect plans.

21. Medical Benefits

    The Medical Benefits rider reimburses the medical expenses incurred by the insured during hospitalization. This rider is available under ICICI Lombard Personal Care and ICICI Lombard Personal Protect plans.

22. Permanent Total Disablement Improvement Benefit

    The Permanent Total Disablement Improvement rider pays an additional amount in case the insured suffers from a permanent total disability due to an accident. This rider is available under ICICI Lombard Personal Care and ICICI Lombard Personal Protect plans.

23. Ambulance Cover

    The Ambulance Cover rider covers the cost of availing ambulance services to transport the insured to the hospital. This rider is available under ICICI Lombard Hospifund Insurance and ICICI Lombard Personal Protect plans.

24. Teleconsultation

    The Teleconsultation rider provides doctor consultations for routine health issues through audio, video, online portal, chat or mobile app. This rider is available under ICICI Lombard iShield and ICICI Lombard COVID Shield plans.

25. Room Rent Capping

    The Room Rent Capping rider reduces the ICICI Lombard health insurance premium if the policyholder agrees to put a limit to the hospital room rent charges. This rider is available under the ICICI Lombard Health AdvantEdge plan.

    People also read: Concept of Room Rent Limit in Health Insurance

26. LWP Daily Cash

    The LWP Daily Cash rider pays a daily cash allowance for a maximum of 7 days of hospitalization in case the insured has to take leaves with pay in their office. This rider is available under the ICICI Lombard Wyn Health plan.

27. Assisted Procreation

    The Assisted Procreation rider covers the cost of infertility and assisted reproduction treatments, including OPD treatment, availed once in the lifetime of the insured. This rider is available under the ICICI Lombard Wyn Health plan.

28. Coverage++

    The Coverage++ rider increases the coverage limit for in-patient hospitalization by 5% every year for up to 100%, regardless of the claims raised in the previous year. This rider is available under the ICICI Lombard Wyn Health plan.

29. Room Eligibility

    The Room Eligibility rider allows the policyholder to change their existing room category. This rider is available under the ICICI Lombard Max Protect plan.

30. Domestic Air Ambulance

    The Domestic Air Ambulance rider covers the cost of availing air ambulance services to transport the insured to the nearest hospital during an emergency. This rider is available under the ICICI Lombard iShield plan.

31. Home Care Treatment

    The Home Care Treatment rider covers the medical expenses incurred on home care treatments on the advice of a medical practitioner. This rider is available under the ICICI Lombard iShield plan.

32. Waiver of Co-payment

    The Waiver of Co-payment rider removes the mandatory co-payment of 20% applicable on all claims. This rider is available under the ICICI Lombard Special Shield plan.

33. Dependent Accommodation

    The Dependent Accommodation rider pays a daily amount to the policyholder for the accommodation of the dependent in the hospital for a maximum of 10 days. This rider is available under the ICICI Lombard Health Shield 360 plan. However, this rider gets activated only if the insured is hospitalized for at least 3 days.

34. Modification of Base Co-payment

    The Modification of Base Co-payment rider allows the policyholder to reduce the mandatory co-payment of 50% applicable to all claims. This rider is available under the ICICI Lombard Golden Shield plan.

35. Care Management Plus Program

    The Care Management Plus Program rider allows the insured to avail benefits, including healthcare professional services, outpatient consultations, routine diagnostic & minor procedures, pharmacy, nursing at home and update to family members. This rider is available under the ICICI Lombard Golden Shield plan.

36. ICU Benefit

    The ICU Benefit rider pays for the treatment expenses if the insured is admitted to the ICU (Intensive Care Unit) for at least 5 or 7 days. This rider is available under the ICICI Lombard Criti Shield Plus plan.

37. Cancer Restore Benefit

    The Cancer Restore Benefit rider pays a lump sum amount if the insured is re-diagnosed with a major cancer, provided a major cancer claim has already been paid. This rider is available under the ICICI Lombard Criti Shield Plus plan. However, this health insurance rider comes with a waiting period of 3 years.

38. Major Surgical Procedures

    The Major Surgical Procedures rider pays a lump sum amount to cover the cost of a major surgical procedure. This rider is available under the ICICI Lombard Criti Shield Plus plan.

39. Temporary Total Disablement (TTD) Rehabilitation Cover

    The Temporary Total Disablement (TTD) Rehabilitation Cover pays a weekly lump sum amount for a maximum of 10 weeks for the rehabilitation of the insured if of accidental temporary total disablement. This rider is available under the ICICI Lombard Health Booster plan.

40. Intensive Care Cash Benefit

    The Intensive Care Cash Benefit rider pays a daily cash amount in case the insured is admitted to an Intensive Care Unit of a hospital. This rider is available under the ICICI Lombard Hospifund Insurance plan.

41. Cancer Hospitalization Cash Benefit

    The Cancer Hospitalization Cash Benefit rider pays a daily allowance if the insured is hospitalized due to a cancer of a specified severity. This rider is available under the ICICI Lombard Hospifund Insurance plan.

42. Brain & Stroke Hospitalization Cash Benefit

    The Brain & Stroke Hospitalization Cash Benefit rider pays a daily cash amount in case the insured is hospitalized due to a brain ailment or stroke. This rider is available under the ICICI Lombard Hospifund Insurance plan.

43. Organ Transplant Hospitalization Cash Benefit

    The Organ Transplant Hospitalization Cash Benefit rider pays a daily allowance if the insured is hospitalized for an organ transplant surgery. This rider is available under the ICICI Lombard Hospifund Insurance plan.

44. Heart Ailment Hospitalization Cash Benefit

    The Heart Ailment Hospitalization Cash Benefit rider pays a daily cash amount in case the insured is admitted to a hospital due to a heart ailment. This rider is available under the ICICI Lombard Hospifund Insurance plan.

45. Fractures & Burns Cash Benefit

    The Fractures & Burns Cash Benefit rider pays a daily allowance if the insured suffers from a fracture or second and/or third degree burns. This rider is available under the ICICI Lombard Hospifund Insurance plan.

46. Day Care Treatment Cash Benefit

    The Day Care Treatment Cash benefit pays a daily cash amount in case the insured is admitted to a hospital for a day care treatment. This rider is available under the ICICI Lombard Hospifund Insurance plan.

    People also read: Day Care Treatments Covered Under Health Insurance

47. Child Care Cash Benefit

    The Child Care Cash Benefit rider pays a daily allowance for providing care to the dependent child/children if the insured is hospitalized due to an illness or an injury. This rider is available under the ICICI Lombard Hospifund Insurance plan.

48. Hospital Attendant Cash Benefit

    The Hospital Attendant Cash Benefit rider pays a daily cash amount for the attendant in case the insured is admitted to a hospital for an injury or illness. This rider is available under the ICICI Lombard Hospifund Insurance plan.

49. Compassionate Visit Cash Benefit

    The Compassionate Visit Cash Benefit rider pays a fixed amount if the insured is hospitalized for at least 3 days and an immediate family member is travelling on a compassionate visit. This rider is available under the ICICI Lombard Hospifund Insurance plan.

50. Permanent Partial Disablement Improvement Benefit

    The Permanent Partial Disablement Improvement Benefit rider pays an additional amount in case the insured suffers from a permanent partial disablement due to an accident. This rider is available under the ICICI Lombard Personal Protect plan.

51. Children’s Education Grant

    The Children’s Education Grant rider pays a fixed amount for children’s education if the insured suffers from accidental death or permanent total disability. This rider is available under the ICICI Lombard Personal Protect plan.

52. Funeral Expenses

    The Funeral Expenses rider reimburses the expenses incurred in arranging the funeral of the insured. This rider is available under the ICICI Lombard Personal Protect plan.

Benefits of ICICI Lombard Health Insurance Riders

Take a look at the key benefits of buying ICICI Lombard health insurance riders:

1. Expand Coverage

   The basic purpose of opting for a rider is to expand the coverage of a health insurance policy. Thus, it eliminates the need to buy another policy just to obtain benefits that are missing from the base policy.

2. Easy to Customize

   People can customize their ICICI Lombard health insurance policy to fit their individual needs and preferences by opting for suitable riders.

3. More Pocket-Friendly

   Buying a rider with an existing mediclaim insurance policy is much more affordable than buying a new policy to fulfil coverage needs. Thus, people end up saving lots of money by purchasing a rider.

4. Variety of Options

   The ICICI Lombard General Insurance Company offers a large variety of riders catering to different needs of the people. Thus, policyholders can choose those riders that best fulfil their health needs.