iHealth - Features & Benefits

  • Floater Option: Covers up to two adults and three children in a single policy
  • Declared and accepted pre-existing diseases covered after 2 years
  • No room rent capping for treatments anywhere in India
  • Reset benefit up to 100% of basic sum insured # 
  • Covers Day-Care procedures/treatments*
  • Covers 30 days Pre and 60 days Post hospitalisation expenses
  • No medical for high sum insured up to 50 lacs ###
  • Additional Sum Insured of 10% of annual sum insured for every claim free year max of 50%
  • Covers ambulance charges up to `1,500 per emergency hospitalisation
  • Discount of 10% on opting 2 years policy tenure
  • Complimentary health check-up every policy year**
  • Wellness program to incentive your healthy lifestyle
  • Cashless hospitalisation in network hospitals***
  • Claim Service guarantee for response within stated turnaround time limits
  • Tax benefit## under Section 80D as applicable
  • Add-on covers**** options available Hospital Daily cash + Convalescence Benefit or /and Critical Illness^ +Organ Donor expense^
  • # Reset will trigger only once for claims within the same policy year, if it is unrelated to the illness/disease/injury for which a claim has been paid in that policy year for the same person. It will not be available for first claim
  • * Listed 150 Day-care procedures/treatment
  • ### Medical tests may be required in case of any medical or health related declarations
  • ** 1 coupon per insured subject to a maximum of 2 coupons in case of a floater policy
  • *** For the updated list of network hospitals please visit our website https://www.icicilombard.com
  • ## Deduction under section 80D is as per applicable provisions of the Income Tax Act, 1961 and amendments made thereto
  • **** Add-on covers are available on payment of additional premium. For more details please visit our website at www.icicilombard.com
  • ^ Critical Illness and Donor Expenses available only for adults, subject to maximum of 2 Adults up to 60 years of age

Permanent Exclusions

  • Any illness/ disease/ injury pre-existinq before the inception of the policy f0r the first 2/4 years as per
    plan opted. Such waiting period shall reduce if the insured has been covered under a similar policy before opting for this policy. subject however to portability regulations 
  • Medical expenses incurred during the first 30 days Of inception of the policy. except those arising out of accidents. This exclusion doesn’t apply for subsequent renewals without a break 
  • Non – allopathic treatment
  • Expenses attributable to self -inflicted injury(resulting from suicide, attempted suicide)
  • Expenses arising out of or attributable to alcohol or drug use / misuse / abuse
  • Cost of spectacles/ contact lenses, dental treatment
  • Medical expenses incurred for treatment of AIDS
  • Treatment arising from or traceable to pregnancy (this exclusion does not apply to ectopic pregnancy proved by diagnostic means and is certified to be life threatening by the Medical Practitoner) and child birth, miscarriage. abortion and its consequences congenital disease
  • Tests and treatment relating to infertility and invitro fertilisation

Certain ailments as specified below are not covered in the first two years when the cover is taken for the first time, but covered subsequently. Such waiting period shall reduce if the insured has been covered under a similar policy before opting for this policy, subject however to the portability regulations

Cataract•

Benign Prostatic Hypertrophy

• All types of Hernia, Hydrocele

• Sinusitis and related disorders

• Dilatation and curettage. Endometriosis

• Surgery on tonsils, adenoids and sinuses

• Deviated Nasal Septum

• Arthritis, gout. rheumatism and spinal disorders

• Fissures and/or Fistula in anus. hemorrhoids/ piles

• Joint replacements Ass due to accident

• Stones in the urinary and billiary systems

• Dialysis required for chronic renal failure

• Gastric and Duodenal erosions and ulcers

• Varicose Veins/Varicose Ulcers

• Myomectomy. Hysterectomy unless because of malignancy

• An types of skin and internal tumors / cysts/nodules / polyps of any kind including breast lumps unless malignant

•After two years Of continuous coverage (subject to portabiüty provisions), a Sub – Limit of Rs 1 Lakhs per eye be applicable for Sum Insured greater than 5 Lakhs.

iHealth Premium - Individual Policy

Individual Health Insurance Policy : These are the policies which are issued on individual name. It is useful when you wish to have seperate health insurance policy for each family member. If budget is not a constraint then individual health insurance policies are always recommended.

For premium chart click on the link below:

iHealth Premium - Family Policy

Family(Floater) Health Insurance Policy : These are the policies which are issued on more than one name. It is useful when you wish to cover more than one family members under one policy . These are also called Comprehensive Health Insurance Policy and Floater Health Insurance Policy

For premium chart click on the relevant link below:

iHealth Premium Chart – Individual

AGE BRACKET
(In Years)
SUM INSURED
(5 LAC)
SUM INSURED
(7 LAC)
SUM INSURED
(10 LAC)
SUM INSURED
(15 LAC)
SUM INSURED
(20 LAC)
SUM INSURED
(30 LAC)
SUM INSURED
(50 LAC)
 
06-205288656668308720902394539992
21-255288656668308720902394539992
26-3576648808930911795122591291413738
36-459547108551152914577152021608517195
46-5013883155571662018500193572056522088
51-5519059212162279225253265242831430570
56-6026082288343104134220360013850841668
61-6534163374634024654544573536130966294
66-7042401463264977467397708747577481947
71-7547162514835535380785849989093698416
76-8054127590096347292662975211,04,3131,12,944
>808408791675990091,45,0371,53,0221,64,2161,78,394
*Refer to the Age Bracket row matching the Age of the Insured for the applicable premium/Premiums amount in the table above are given in Indian Rupees
iHealth Premium Chart – Individual

iHealth Premium Chart (1 ADULT+1 CHILD)

AGE BRACKET
(In Years)
SUM INSURED
(5 LAC)
SUM INSURED
(7 LAC)
SUM INSURED
(10 LAC)
SUM INSURED
(15 LAC)
SUM INSURED
(20 LAC)
SUM INSURED
(30 LAC)
SUM INSURED
(50 LAC)
 
06-20NANANANANANANA
21-256706761680129840102961093911749
26-3584899297987212147127231353514558
36-459900108321153714233149291591217151
46-5014022153091637118312192412055122201
51-5518163198362130823716249752675128987
56-6023781259312790730889325553490637865
61-6530246328343527347148496375314657565
66-7042573461444957866386698827481281021
71-7546977509155473878770829478883596254
76-8053419578756224989754945311,01,2641,09,747
>808113288093951201,38,2031,45,8691,56,6761,70,289
*Refer to the Age Bracket row of the Adult member for the applicable premium/Premiums amount in the table above are given in Indian Rupees
iHealth Premium Chart (1 ADULT+1 CHILD)

iHealth Premium Chart (1 ADULT+2 CHILD)

AGE BRACKET
( In Years)
SUM INSURED
(5 LAC)
SUM INSURED
(7 LAC)
SUM INSURED
(10 LAC)
SUM INSURED
(15 LAC)
SUM INSURED
(20 LAC)
SUM INSURED
(30 LAC)
SUM INSURED
(50 LAC)
 
21-259400106741123013788144261532716461
26-3511064122441296515941166911775019082
36-4512382136761451917888187511996921502
46-5016506181671936122096231942474326695
51-5520387224122398927161285693055533058
56-6025654281253017733886356763820041380
61-6531716345963708249129516905530159850
66-7046695508265450572440762178154488253
71-755109955597596668482489282955671,03,486
76-80575406255967176958091,00,8661,07,9961,16,978
>8085254927751,00,0471,44,2571,52,2051,63,4081,77,520
*Refer to the Age Bracket row of the Adult member for the applicable premium/Premiums amount in the table above are given in Indian Rupees
iHealth Premium Chart (1 ADULT+2 CHILD)

iHealth Premium Chart (2 ADULTS)

AGE BRACKET
(In Years)
SUM INSURED
(5 LAC)
SUM INSURED
(7 LAC)
SUM INSURED
(10 LAC)
SUM INSURED
(15 LAC)
SUM INSURED
(20 LAC
SUM INSURED
(30 LAC)
SUM INSURED
(50 LAC)
 
21-256706761680129840102961093911749
26-3510272109801173014453151491613117366
36-4513094140491506218625195632088622553
46-5020898225032420326136275082944131878
51-5529179315573407736942389754184045450
56-6040415437464727651289541365814963206
61-655334757550620058380888299946311,02,607
66-707690382921893011,20,6621,27,0931,36,1591,47,580
71-758571292464996201,45,4301,53,2231,64,2081,78,045
76-80985951,06,3851,14,6431,67,4011,76,3921,89,0662,05,031
>801,54,0221,66,8191,80,3842,64,2962,79,0682,99,8863,26,114
*Refer to the Age Bracket row matching the eldest member for the applicable premium/Premiums amount in the table above are given in Indian Rupees
iHealth Premium Chart (2 ADULTS)

iHealth Premium Chart (2 ADULT+ 1 CHILD)

AGE BRACKET
(In Years)
SUM INSURED
(5 LAC)
SUM INSURED
(7 LAC)
SUM INSURED
(10 LAC)
SUM INSURED
(15 LAC)
SUM INSURED
(20 LAC)
SUM INSURED
(30 LAC)
SUM INSURED
(50 LAC)
 
21-259400106741123013788144261532716461
26-3512727138131469918094189562017221704
36-4515364166781780921988230762461126544
46-5022952249112670529430309443307835767
51-5530715334003596139561416944470248491
56-6041249448274833553012559085999265137
61-655337457768621448349887936941941,02,076
66-708102587604942281,26,7171,33,4291,42,8911,54,811
71-7589833971461,04,5481,51,4851,59,5581,70,9401,85,277
76-801,02,7171,11,0691,19,5711,73,4551,82,7281,95,7972,12,263
>801,58,1441,71,5021,85,3122,70,3512,85,4033,06,6183,33,346
*Refer to the Age Bracket row matching the eldest member for the applicable premium/Premiums amount in the table above are given in Indian Rupees
iHealth Premium Chart (2 ADULT+ 1 CHILD)

iHealth Premium Chart (2 ADULT+2 CHILD)

AGE BRACKET
( In Years)
SUM INSURED
(5 LAC)
SUM INSURED
(7 LAC)
SUM INSURED
(10 LAC)
SUM INSURED
(15 LAC)
SUM INSURED
(20 LAC)
SUM INSURED
(30 LAC)
SUM INSURED
(50 LAC)
 
21-2512533142321497318384192342043521947
26-3515862173721844222690237642528027191
36-4518497202372155226584278852971932031
46-5026305287193071134351360913854841641
51-5534069372083996844481468425017154365
56-6044603486355234157931610566546271012
61-655672661577661508841793084996631,07,950
66-708514692287991551,32,7711,39,7641,49,6231,62,042
71-75939551,01,8291,09,4761,57,5391,65,8941,77,6711,92,509
76-801,06,8381,15,7511,24,4981,79,5091,89,0622,02,5292,19,494
>801,62,2651,76,1851,90,2402,76,4062,91,7383,13,3503,40,578
*Refer to the Age Bracket row matching the eldest member for the applicable premium/Premiums amount in the table above are given in Indian Rupees
iHealth Premium Chart (2 ADULT+2 CHILD)

iHealth Premium Chart (2 ADULT+3 CHILD)

AGE BRACKET
( In Years)
SUM INSURED
(5 LAC)
SUM INSURED
(7 LAC)
SUM INSURED
(10 LAC)
SUM INSURED
(15 LAC)
SUM INSURED
(20 LAC)
SUM INSURED
(30 LAC)
SUM INSURED
(50 LAC)
 
21-2515667177911871622981240432554527434
26-3518994209302218527286285733039032678
36-4521629237952529431180326933482937518
46-5029658325283471739270412404401847516
51-5537421410164397449401519905564160240
56-6047955524435634762852662047093176886
61-6560080653857015793338982331,05,1321,13,825
66-7089267969701,04,0831,38,8261,46,0991,56,3551,69,275
71-75980771,06,5121,14,4031,63,5941,72,2291,84,4031,99,740
76-801,10,9601,20,4341,29,4261,85,5631,95,3972,09,2612,26,725
>801,66,3871,80,8681,95,1672,82,4602,98,0743,20,0823,47,810
*Refer to the Age Bracket row matching the eldest member for the applicable premium/Premiums amount in the table above are given in Indian Rupees
iHealth Premium Chart (2 ADULT+3 CHILD)

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