Health insurance is a type of insurance that pays for medical expenses incurred by an individual or a group. Health insurance policies can offer a wide range of coverage, depending on the particular plan and the provider.
One of India’s top health insurance providers is ICICI Lombard Health Insurance. It provides a wide variety of health insurance policies to meet the demands of individuals and families regarding medical care. The diseases that are covered by the policy are one of the most crucial components of any health insurance plan.
Continue reading to find out which illnesses are covered by ICICI Lombard Health Insurance.
Importance of ICICI Lombard Health Insurance
Health insurance protects a person or a group of people from having to pay for any type of medical or surgical charge. The benefits of ICICI Lombard’s health insurance can be obtained by the insured in the form of reimbursements or by making direct payments to the relevant medical facility. Even though other organizations offer health insurance plans, ICICI Lombard provides health insurance in various forms and with a few added benefits.
ICICI Lombard General Insurance can satisfy its policyholders’ medical needs thanks to its network of more than 11,400 cashless hospitals. The nice aspect is that these hospitals are part of a vast cashless network. No matter where they are, policyholders can receive the best care possible while still being covered by their insurance in any of the following cashless network hospitals.
List of ICICI Lombard Health Insurance Plans
ICICI provides a variety of health insurance products to protect against a range of ailments. These are as follows:
- Health Insurance
- Health AdvantEdge
- Health Booster
- Personal Protect
- Arogya Sanjeevani Policy, ICICI Lombard
- Corona Kavach Policy, ICICI Lombard
- Saral Suraksha Bima, ICICI Lombard
- Golden Shield
List of Diseases Covered by ICICI Lombard Health Insurance Plans
Let’s check out the list of diseases covered by ICICI health insurance plans:
- Cancer: India’s high rate of cancer means that all cancers are covered by ICICI Lombard Health Insurance. The insurance plan covers the price of medical care, hospital stays, and other related costs. The policy also provides coverage for kidney-related illnesses like chronic kidney disease, kidney stones, and renal failure.
- Heart Diseases: Other conditions related to the heart, such as congestive heart failure and heart operations, are also covered. The insurance covers the cost of hospitalization, surgery, and other medical expenses linked to the treatment of heart-related disorders.
- Diabetes: Another significant health concern in India is the cost of treating diabetes-related consequences such as renal disease, neuropathy, and retinopathy. ICICI Lombard Health Insurance covers these costs. The insurance plan also covers the cost of insulin and other diabetes-related drugs.
- Neurological Disorders: The insurance also covers neurological disorders such as multiple sclerosis, Parkinson’s disease, and epilepsy. The cost of medical services, inpatient stays, and other related expenses are covered by the insurance plan.
- Orthopaedic Problems: Orthopaedic diseases including joint arthritis, fractures, and back discomfort are also covered by the insurance. The insurance covers the cost of treatment, surgery, and other medical expenses related to orthopedic diseases.
- Digestive Disorders: Conditions like ulcers, irritable bowel syndrome, and inflammatory bowel disease are covered by the insurance. The insurance covers the price of care, inpatient stays, and other related costs.
- Respiratory Diseases: Asthma, chronic obstructive pulmonary disease (COPD), and bronchitis are also covered by the insurance. The insurance company covers the cost of care, inpatient stays, and other related costs.
- Disorders of the Eye: Cataracts, glaucoma, and retinal detachment are among the eye-related conditions that the insurance will pay for. The insurance covers the cost of care, surgery, and other medical expenses linked to eye-related conditions.
- COVID-19: The highly contagious COVID-19 virus can significantly affect a person’s health, especially if they also have co-morbid illnesses. If a health issue arises, treatment could be expensive. However, if you have an ICICI Lombard Corona Kavach policy, your insurance provider will pay for your medical costs. Additionally, COVID-19 hospitalization costs are covered by all ICICI health insurance policies.
Some insurance policies additionally cover dental procedures including root canal therapy, dental implants, and orthodontic treatments in addition to the illnesses and medical conditions mentioned above.
A variety of illnesses and medical issues are covered by ICICI Lombard Health Insurance. For the price of care, hospital stays, and other connected costs, the policy offers complete coverage. It’s advised to pick an insurance that best meets your healthcare requirements and to thoroughly read the policy paperwork to comprehend the full list of covered and excluded ailments.