Thursday, 8 October 2020

ICICI Health Insurance: Know Plans, Benefits & Premium

Indian market the combined expertise of two particular person enterprises, making it a formidable force within the common insurance trade. It provides insurance coverage options to people in addition to firms within the type of personal and business monetary protection options respectively.

A few of their retail insurance options include auto insurance coverage, travel insurance, personal accident cover and health insurance to name a few.


ICICI Health Insurance Plans

• ICICI Complete Health Insurance
• ICICI Health Booster
• ICICI Personal Protect Insurance Policy
• ICICI Health Care Plus Policy
• ICICI Group Personal Accident Policy
• ICICI Group Health Insurance



1. ICICI Complete Health Insurance

The ICICI Complete Health Insurance coverage plan is a complete health insurance solution that goals to provide coverage to not simply the proposer but also his/her family. Protection choices are also versatile.

Customers can select to make their cover extra comprehensive by opting to cover critical diseases along with the essential plan.

The customer can select sum insured between Rs.3 lakh and Rs.50 lakh, primarily based on his/her particular insurance coverage needs. Extra sum insured: 10% increase in sum assured for each claim-free 12 months; max.

50% awarded at renewal If the customer raises a declare, the accumulated additional sum insured will go down by 10% the next 12 months.

The minimal entry age is 6 years under individual coverage and there's no limit on the utmost entry age. Under the floater plan, children are lined between the ages of 3 months and 5 years.


2. ICICI Health Booster

The Health Booster plan offered by ICICI is a brilliant top-up insurance coverage product that extends protection for illnesses and bills that aren't covered under the base plan. The product is right for customers who need to defend themselves from surging medical prices and unprecedented medical issues.

Sum insured amount options from Rs.5 lakh to Rs.50 lakh and flexible deductible choices (Rs.three lakh, Rs.Four lakh & Rs.5 lakh) to suit your needs

Reset as much as 100% of the sum insured once in a coverage 12 months in case the sum insured including accrued further sum insured (if any) is insufficient to make the declare. That is relevant for policies with deductible chosen as Rs.3 lakh and above.

Minimum entry age is 6 years for individual coverage. Children aged three months to five years can avail insurance under the floater coverage. There is no restrict on the utmost entry age.


3. ICICI Personal Protect Insurance Coverage

ICICI provides the Personal Protect Coverage that gives protection for Accidental Death and Permanent Total Disability (PTD). The ICICI Private Defend Insurance coverage Coverage provides protection for terrorism too. An optional cover is offered for Accidental Hospitalisation Bills and Accidental Hospital Every day Allowance.

The customer needs to be between 18 and 80 years of age to have the ability to purchase the coverage. You can even buy the coverage for your spouse, children, or mother and father.


• The policyholder has the flexibility to decide on the sum insured between Rs.3 lakh, Rs.5 lakh, Rs.10 lakh, Rs.15 lakh, Rs.20 lakh, and Rs.25 lakh.
• The plan provides worldwide protection.
• The declare course of is simple with limited documentation.
• The customer should buy the policy on-line and benefit from premium cost in installments.


4. ICICI Health Care Plus Policy

The ICICI Health Care Plus Policy is designed to offer protection for healthcare costs until the end of the policyholder’s life. Premiums might be paid in easy installments. Cashless hospitalisation facility is on the market at 4,500 community hospitals throughout India. The sum insured and coverage tenure might be chosen as per the necessities of the customer.


• Protection of pre-existing diseases after renewing the coverage for Four continuous years
• Tax benefits under section 80D
• There is no such thing as a co-payment under the plan
• On the time of policy renewal, any one of many insured members can receive free health check-up
• Worth-added services are offered through ICICI Health Care
• The policy has two components, i.e., the sum insured and the deductible.

Sum insured is the utmost amount that's payable under the policy. After the deductible threshold, claims can be admissible under the plan


5. ICICI Group Personal Accident Policy

The ICICI Group Personal Accident Coverage compensates the insured person within the occasion of accidental lack of eyes/limbs, permanent whole disability, permanent partial incapacity, or accidental dying.

The customer can avail a group low cost based on the group measurement.
This low cost is offered in slabs and will increase with the group size
The premium is decided on the premise of the insured person’s occupation and advantages derived from the policy
That is dependent on the incomes capacity of the person insured


6. ICICI Group Health Insurance

This coverage might be taken by businesses to provide health insurance for all staff and their families.

The plan offers coverage for medical bills through hospitalisation for a minimum timeframe of 24 hours.

The cover is inclusive of bills incurred 60 days post hospitalisation and 30 days earlier than hospitalisation.

The product offers the policyholder the flexibleness to decide on the amount of coverage.
If wanted, the family floater cover might be availed under the plan.

Members can obtain cashless hospitalisation companies at an extensive set of community hospitals within the country.

The plan provides protection for pre-existing illnesses and maternity bills on the cost of extra premium.


Benefits Under ICICI Health Insurance Plans

  • Free health check-up which includes medical examination, fasting blood sugar, urine routine, blood grouping and Rh, CBC, ECG, Hb%, PPBS – Publish Prandial, and Total Cholesterol.
  • On-line chat with ICICI -appointed doctor.
  • To help customers stay fit and healthy, benefit from the insurer’s value-added service - dietician and nutritionist consultation.
  • Specialist consultation with one follow-up session.
  • The in-house wellness and claim processing platform, ICICI Health Care, delivers multiple wellness initiatives and easy claim processing services.
  • The Health Advisor facility is an online platform that enables customers to share their experiences about medical facilities and record reviews.

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