ICICI Lombard Smart Super Health Insurance Plan

ICICI Lombard Smart Super Health Insurance Plan

The ICICI Lombard Smart Super health insurance plan is a comprehensive mediclaim policy that allows policyholders to choose their desired coverage as per their health needs. It is available in three variants, i.e. Value, Classic, and Uber, enabling customers to pick the one that matches their preferred levels of coverage and benefits. The plan also offers uninterrupted medical coverage by restoring the sum insured by 100% for unrelated illnesses with the restoration benefit.

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Additionally, this ICICI Lombard health insurance policy also offers lucrative benefits, such as OPD emergency treatment, convalescence benefit, hospital cash allowance, maternity benefit, critical illness cover, annual health check-up benefits, air ambulance, etc.

ICICI Lombard Smart Super Health Insurance Plan: Key Highlights

Benefits of ICICI Lombard Smart Super Health Insurance Plan

Here are a few benefits of buying an ICICI Lombard Smart Super Health Insurance plan:

1. Restoration of Sum Insured

   The ICICI Lombard Smart Super Health Insurance plan offers a restoration benefit that restores the sum insured of up to 100% if the coverage amount has been completely exhausted due to claims in a policy year. However, the benefit is only available for claims resulting from unrelated illnesses.

2. No Room Rent Limit

   With this health insurance policy, customers can choose any hospital room of their choice as it does not put a cap on the room rent limit.

3. Free Annual Health Check-Up

   People can avail of free preventive health check-ups every year after renewal at a network provider of the insurance company.

4. No Claim Bonus

   The ICICI Lombard General Insurance Company plan rewards a no claim bonus up to 100% of the sum insured to the policyholder if no claims are made in the previous policy year.

5. Tax Benefit

   Premiums paid for the ICICI Lombard Smart Super Health Insurance policy are eligible for tax benefits under Section 80D of the Income Tax Act, 1961.

ICICI Lombard Smart Super Health Insurance Plan Eligibility Criteria

The following table shows the eligibility criteria to buy the ICICI Lombard Smart Super Health Insurance plan:

Inclusions of ICICI Lombard Smart Super Health Insurance Plan

The following coverages are included in the ICICI Lombard Smart Super health insurance policy:

• In-patient Treatment - It covers the medical expenses incurred during hospitalisation for at least 24 hours and involves costs related to room rent, nursing care, ICU charges, operation theatre fees, etc.
• Pre-hospitalisation Expenses - It pays for the medical expenses incurred for up to 60 days prior to hospitalisation or daycare treatment.
• Post-hospitalisation Expenses - It covers medical expenses for up to 90 days following the discharge from the hospital or completion of day care treatment.
• Organ Donor Expenses - It pays for the medical expenses of harvesting the organ donated by a donor for transplant surgery of the insured.
• Day Care Treatment - It covers the cost of day care medical procedures that require hospitalisation for less than 24 hours.
• AYUSH Treatment - It covers the medical expenses for in-patient treatment availed under the Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy (AYUSH) systems of medicine.
• Domiciliary Hospitalisation - This covers the medical costs for illnesses or injuries that would typically require hospital care but are instead treated at home on the doctor’s advice.
• Emergency Surface Ambulance Charges - This covers the cost of transporting the insured by ambulance to a hospital or between hospitals and diagnostic centres for treatment.
• Convalescence Benefit - It provides a fixed allowance if the insured is hospitalised for at least 10 consecutive days.
• Outpatient Emergency Treatment (Accident Only) - It reimburses the outpatient medical expenses for availing emergency treatment from a doctor following an accidental injury.
• Animal Bite (Vaccination) - It pays for the cost of vaccination taken on an outpatient basis due to animal bites.
• Domestic Air Ambulance - It covers the cost of transportation by aeroplane or helicopter in case of a medical emergency.
• Outpatient Dental Emergency (Accident Only) - It reimburses the OPD expenses for availing emergency dental treatment from a dentist following an accident.

Optional Covers:

• Hospital Cash Allowance - It provides a daily cash amount for a maximum of 30 days if you are hospitalised for treatment of any illness or injury. However, this coverage comes with a deductible of one day.
• Maternity Benefit - It covers the medical expenses for delivering a baby or for a medically recommended lawful termination of pregnancy.
• New Born Baby Cover - It covers the in-patient treatment cost of a newborn baby during the first 90 days of birth.
• Lump Sum Benefit for Critical Illnesses - It provides a lump sum payment if the insured is diagnosed with any of the 20 critical illnesses covered under the plan.

Exclusions of ICICI Lombard Smart Super Health Insurance Plan

The exclusions under ICICI Lombard Smart Super plan are as follows:

• Obesity/weight control treatments
• Change-of-gender treatments
• Cosmetic or plastic surgery
• Expenses related to miscarriage
• Sterility and infertility treatments
• Injuries arising due to participation in illegal activities
• Unproven treatments
• Hazardous or adventure sports

ICICI Lombard Smart Super Health Insurance Plan Waiting Periods

The waiting periods applicable under the ICICI Lombard Smart Super Health Insurance plan are as follows:

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