ICICI Lombard Health AdvantEdge Policy

The plan provides a multitude of benefits to the policyholder. Some of them are discussed below:

• Restore Benefit: If your total amount insured, including accrued additional sum insured (if any), is insufficient due to prior claims in a given policy year, the option to restore your balance sum insured up to 100% of the base sum insured is available under the plan.

• Guaranteed Cumulative Bonus: For each year without a claim, you will receive an additional sum insured of 20% (up to a maximum of 100%) at the time of policy renewal. When the policy is renewed in the case of a claim, the bonus that has already accumulated would still be in effect.

• Wellness Programs: The plan allows redemption of wellness points gained through various wellness and fitness activities owing to healthy conduct. The wellness points can be used to pay for medical consultations, prescription medications, diagnostic costs, dental costs, and other OPD fees.

• Value Added Services: The plan also offers a wide range of value-added services to the policyholder, including health rewards, medical condition management, doctor appointment, medical second opinion, doctor on call, pharmacy and diagnostics, 24 X 7 e-consultations, online chats, and telephonic consultations.

• Sum Insured & Claim Protector: The plan provides coverage for products that would not otherwise be covered by your claim with the company. If your claim for an in-patient hospitalization has been approved, you may use the claim protector feature of the plan. Moreover, if you happen to make claims that are up to Rs. 50,000 in the prior policy year, it will have no impact on the additional money insured that you have accrued over the years.

• Convalescence Benefits: A lump sum payment of Rs. 20,000 will be payable only once each policy year. To be eligible for this benefit, the insured must be hospitalized for more than 10 days.

• No Medical Test Up To 45 Years: For health coverage for those under the age of 45 and amounts covered up to Rs. 10 lakhs, no medical exams will be necessary.

• Lifelong Renewability: The plan also has the option to renew the health insurance plan every year without any age restrictions.

• Critical Illness Cover: It provides lump-sum coverage for 20 critical illnesses that include a 30-day survivor clause. The insured money or up to Rs. 50 lacs will be the lump sum payment, whichever is lower.