Health Insurance

Avail EMI facility when you buy insurance online through your ICICI Bank Credit Cards

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Avail of Interest Free EMIs when you buy insurance online through your ICICI Bank Credit Card

It brings you the facility of paying your premium in Equal Monthly Instalments (EMIs) of 3 or 6 months at interest free rates! All you have to do is purchase your insurance policy online through your ICICI Bank Credit Card.

  How does it work?
 
  • Choose the product you plan to buy and log in to Buy Online
  • Fill in the transaction details
  • Select to pay in EMIs through your ICICI Bank Credit Card. Choose from the EMI Period options according to your convenience (3, 6 or 12 months for ICICI Bank Credit Cards)
  • Access your policy immediately online *
  • The EMIs will be automatically charged to your monthly credit card statement.
Note: Please note that the EMI facility is only applicable on ICICI Bank Credit Card, subject to minimum annual premium ofRs. 1,500
 

*Subject to underwriting in the case of Health Insurance cover

How does Tax Benefit work?

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For e.g. A premium of Rs. 15,000/- is fully deductible under Section 80D of the Income Tax Act. You would save Rs. 4635/- on your tax payable at maximum tax slab.

  Key Points to note
 
  • Premium paid for health insurance qualifies for rebate under Section 80D of the Income Tax Act.
  • Section 80D benefit remains over and above Rs.1 Lakh benefit of 80C (ELSS, Principal component of home loan, Life Insurance, etc.)
  • Tax benefit goes to the person making payment. Persons covered include your spouse, children and parents.
  • The qualifying amounts under Section 80D is maximum up to Rs 15,000/- for self, spouse and children.
  • A further deduction of Rs. 15,000/- can be saved when covering parents, and if the parents are Senior Citizens aged 65 years or more at any time during the financial year in which the premium was paid, then up to Rs. 20,000/- can be saved.

Terms of Renewability

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  • The policy can be renewed under the prevailing Family Protect Premier - Health Insurance its nearest substitute approved by IRDA in the event that the plan has been discontinued.
  • Renewal Premium - Premium payable on renewal and on subsequent continuation of cover are subject to change with prior approval from IRDA.
  • Maximum Renewal Age - This policy can be renewed up to a maximum age of 70 years.
  • Floater Benefit - The floater benefit under this policy is available up to the age of 60 years. All the insured above age of 60 years will be covered under an individual plan.
  • Grace Period - The Policy may be renewed by mutual consent and in such event the renewal premium shall be paid to the Company on or before the date of expiry of the Policy and in no case later than 15 days (Grace Period) from the expiry of the Policy. However, the Company shall not be liable for any claim for the period for which premium is not received by the Company.
  • Cumulative Bonus - An Additional Sum Insured of 5% would be provided on cumulative basis on each renewal up to a maximum of 50% in case their is no claim under the policy. However, 10% of the Sum Insured will be reduced from the accumulated Additional Sum Insured, in case there is a claim under the policy.
  • Sum Insured Enhancement - Sum Insured can be enhanced only upon renewal, subject to underwriters' approval.
  • Inclusion / Exclusion of Insured - This policy allows to include or exclude a member in the plan only at the time of renewal.
  • Loading in case of Claims - The renewal premium shall be calculated as per the age of the senior most insured member as covered under the policy. A loading may be charged on the premium in case there is a claim in the expiring policy. The loading of premium is calculated as per the following scale:
  • In case of claim not pertaining to chronic Illness– For subsequent renewals, there will be no loading unless there is a claim in any renewal policy.
    ii. In case of claim pertaining to chronic illness like heart diseases, cancer, brain diseases, organ failure and cirrhosis of the liver, loading of 75% on the base premium will be applicable.

    The loading will be applicable for all subsequent renewals. If there are claims in the subsequent renewals, further loading of 75% would be applicable, subject to a maximum of 200% on the base premium.

    The extent of loading thus derived would be applicable for all subsequent renewals. For the purpose of determination of loading on renewal policies, chronic ailments mean any condition or Illness which is normally prolonged or recurrent, including but not limited to heart diseases, cancer, brain diseases, organ failure and cirrhosis of the liver.
Claim Amount (Rs.) Loading
0 - 25,000 Nil
25,001 - 50,000 10%
50,001 - 100,000 20%
100,001 - 200,000 50%
>200,000 75%

Premium Table

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FAMILY FLOATER HEALTH INSURANCE POLICY PREMIUM TABLE

Premium for 1 Year plans in Rupees (Inclusive of Service Tax, Education Cess & Higher Education Cess @ 10.3%)
Plan Details Plan A
Individual
Plan B
2 Adults
Plan C
2 Adults & 1 Kids
Plan D
2 Adults & 2 Kids
Plan E
1 Adult & 1 Kid
Plan F
1 Adult & 2 Kids

Age of senior most family member

2 Lac 3 Lac 2 Lac 3 Lac 4 Lac 2 Lac 3 Lac 4 Lac 2 Lac 3Lac 4 Lac 2 Lac 3 Lac 4 Lac 2 Lac 3 Lac 4 Lac
5 - 18 yrs. 1,956 2,250 - - - - - - - - - - - - - - -
19 - 35 yrs. 2,644 3,046 3,965 4,570 6,854 5,139 5,920 8,899 6,312 7,270 10,943 3,472 3,999 6,019 4,329 4,985 7,516
36 - 45 yrs. 3,312 3,679 4,968 5,519 7,702 6,141 6,869 9,746 7,314 8,219 11,791 4,023 4,521 6,485 4,831 5,460 7,940
46 - 55 yrs. 5,896 6,552 9,434 10,483 14,675 10,607 11,833 16,719 11,781 13,183 18,763 6,479 7,251 10,320 7,064 7,942 11,426
56 - 60 yrs.   8,026 11,557 12,841 17,977 12,731 14,192 20,021 13,904 15,542 22,065 7,647 8,548 12,136 8,125 9,121 13,077
FAMILY FLOATER HEALTH INSURANCE POLICY PREMIUM TABLE
Premium for 2 Year (auto renewal) plans in Rupees (Inclusive of Service Tax, Education Cess
& Higher Education Cess @ 10.3%)
Plan Details Plan G
Individual
Plan H
2 Adults
Plan I
2 Adults & 1 Kids
Plan J
2 Adults & 2 Kids
Plan K
1 Adult & 1 Kid
Plan L
1 Adult & 2 Kids
Age of senior most family member 2 Lac 3 Lac 2 Lac 3 Lac 4 Lac 2 Lac 3 Lac 4 Lac 2 Lac 3Lac 4 Lac 2 Lac 3 Lac 4 Lac 2 Lac 3 Lac 4 Lac
5 - 18 yrs. 3,520 4,051 - - - - - - - - - - - - - - -
19 - 35 yrs. 4,758 5,484 7,137 8,225 12,338 9,250 10,656 16,018 11,362 13,086 19,697 6,249 7,197 10,834 7,793 8,974 13,528
36 - 45 yrs. 5,961 6,623 8,942 9,934 13,864 11,054 12,365 17,543 13,166 14,795 21,223 7,241 8,137 11,673 8,695 9,828 14,291
46 - 55 yrs. 11,203 12,448 17,925 19,917 27,882 20,154 22,483 31,766 22,384 25,048 35,650 12,311 13,777 19,608 13,421 15,090 21,709
56 - 60 yrs.   16,052 23,113 25,683 35,953 25,460 28,383 40,042 27,807 31,084 44,130 15,294 17,096 24,272 16,251 18,242 26,154

Terms Of Renew ability

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  • The policy can be renewed under the then prevailing Health Advantage Plus Plan or its nearest substitute approved by IRDA in the event that the plan has been discontinued.
  • Renewal Premium - Premium payable on renewal and on subsequent continuation of cover are subject to change with prior approval from IRDA
  • Maximum Entry Age – The maximum entry age under this policy is 65 years.
  • Maximum Renewal Age – This policy can be renewed up to a maximum age of 70 years.
  • Floater Benefit – The floater benefit under this policy is available up to the age of 55 years. All floater policies thereafter will be renewed under individual plan up to the age of 70 years.
  • Grace Period - The Policy may be renewed by mutual consent and in such event the renewal premium shall be paid to the Company on or before the date of expiry of the Policy and in no case later than 15 days (Grace Period) from the expiry of the Policy. Insured will be treated as continuously covered in terms of continuity of benefit during such Grace Period. However, the Company shall not be liable for any claim for the period for which the premium is not received by the Company.
  • Cumulative Bonus - An Additional Sum Insured of 5% would be provided on cumulative bases on each renewal upto a maximum of 50% in case there is no claim under the policy. However, 10% of the Sum Insured will be reduced from the accumulated Additional Sum Insured, in case there is a claim under the policy.
  • Sum Insured Enhancement – Sum Insured can be enhanced only upon renewal, subject to underwriters' approval.
  • Inclusion / Exclusion of Insured – This policy allows to include or exclude a member in the plan only at the time of renewal.

Terms Of Renew ability

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  • The policy can be renewed under the then prevailing Health Advantage Plus Plan or its nearest substitute approved by IRDA in the event that the plan has been discontinued.
  • Renewal Premium - Premium payable on renewal and on subsequent continuation of cover aresubject to change with prior approval from IRDA
  • Maximum Entry Age – The maximum entry age under this policy is 65 years.
  • Maximum Renewal Age – This policy can be renewed up to a maximum age of 70 years.
  • Floater Benefit – The floater benefit under this policy is available up to the age of 55 years. All floater policies thereafter will be renewed under individual plan up to the age of 70 years.
  • Grace Period - The Policy may be renewed by mutual consent and in such event the renewal premium shall be paid to the Company on or before the date of expiry of the Policy and in no case later than 15 days (Grace Period) from the expiry of the Policy. Insured will be treated as continuously covered in terms of continuity of benefit during such Grace Period. However, the Company shall not be liable for any claim for the period for which the premium is not received by the Company.
  • Cumulative Bonus - An Additional Sum Insured of 5% would be provided on cumulative bases on each renewal upto a maximum of 50% in case there is no claim under the policy. However, 10% of the Sum Insured will be reduced from the accumulated Additional Sum Insured, in case there is a claim under the policy.
  • Sum Insured Enhancement – Sum Insured can be enhanced only upon renewal, subject to underwriters' approval.
  • Inclusion / Exclusion of Insured – This policy allows to include or exclude a member in the plan only at the time of renewal.

Avail of Interest Free EMIs when you buy insurance online through your ICICI Bank Credit Card.

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It brings you the facility of paying your premium in Equal Monthly Instalments (EMIs) of 3 or 6 months at interest free rates! All you have to do is purchase your insurance policy online through your ICICI Bank Credit Card.

How does it work?

  • Choose the product you plan to buy and log in to Buy Online
  • Fill in the transaction details
  • Select to pay in EMIs through your ICICI Bank Credit Card. Choose from the EMI Period options according to your convenience (3 or 6 months for ICICI Bank Credit Card)
  • Access your policy immediately online*
  • The EMIs will be automatically charged to your monthly credit card statement.

Note: Please note that the EMI facility is only applicable on ICICI Bank Credit Card, subject to minimum annual premium of Rs. 1,500

Subject to underwriting in the case of Health Insurance

 

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Loss of use/Actual loss by physical separation of

Percentage of Capital Sum Insured*

Sight of both eyes

100%

Both hands

100%

Both feet

100%

One hand and one foot

100%

One eye and one hand or one foot

100%

Sight of one eye

50%

One hand or one foot

50%

*As stated in Part I of the Schedule.

9 Major Medical Illnesses and Procedures Covered:

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  • Cancer
  • Coronary Artery Bypass Graft Surgery
  • Myocardial Infarction (Heart Attack)
  • End Stage Renal Failure
  • Major Organ Transplant
  • Stroke
  • Paralysis
  • Heart Valve Replacement Surgery
  • Multiple Sclerosis

Critical Care Sum Insured Table

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Covers Sum Insured Options
Major Medical Illnesses & Procedures Rs.3 Lakh, Rs.6 Lakh or Rs.12 Lakh
Accidental Death
Accidental Permanent Total Disability (PTD)

Critical Care Premium Table

Sum Insured Rs.3 Lakh Rs.6 Lakh Rs.12 Lakh
Age* Group/Policy Tenure (Years) 1 Year
Rs.
3 Years
Rs.
 5 Years
Rs.
 1 Year
Rs.
3 Years
Rs.
 5 Years
Rs.
3 Years
Rs.
5 Years
Rs.
20 – 25 900 2,850 4,767 1,800 5,700 9,533 11,400 19,065
26 – 30 990 3,243 5,553 1,980 6,486 11,105 12,972 22,210
31 – 35 1,230 4,079 6,880 2,460 8,157 13,759 16,314 27,517
36 – 40 1,470 5,061 9,041 2,940 10,122 18,082 20,244 36,164
41 – 45 2,670 10,073 18,770 5,340 20,146 37,540 40,292 75,080
46 – 50# 5,160 18,166 42,311 10,320 36,333 58,911 72,666 1,17,822
  • Inclusive of Service Tax, Education Cess and Higher Education Cess @10.3%
  • The premium depends on the applicant's age and the policy tenure opted for
  • * Age is calculated as on the date the policy is issued (i.e. age completed as on last birthday)
  • # Only renewals allowed in this age bracket

 

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Loss of use/Actual loss by physical separation of

Percentage of Capital Sum Insured*

Sight of both eyes

100%

Both hands

100%

Both feet

100%

One hand and one foot

100%

One eye and one hand or one foot

100%

*As stated in Part I of the Schedule.

Note: If any such injury as mentioned above shall result in the inability to remain gainfully employed, then the
Capital Sum Insured payable will be 100%.

Terms of Renewability

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  • The policy can be renewed under the prevailing Critical Care Policy or its nearest substitute approved by IRDA in the event that the plan has been discontinued.
  • Renewal Premium - Premium payable on renewal and on subsequent continuation of cover are subject to change with prior approval from IRDA.
  • Maximum Entry Age - This policy can be issued up to a maximum age of 45 years.
  • Maximum Renewal Age - The policy can be renewed up to a maximum age of 50 years, subject to no claim in the current policy.
  • Grace Period - The Policy may be renewed by mutual consent and in such event the renewal premium shall be paid to the Company on or before the date of expiry of the Policy and in no case later than 15 days (Grace Period) from the expiry of the Policy. However, the Company shall not be liable for any claim for the period for which premium is not received by the Company.
  • Sum Insured Enhancement - Sum Insured enhancement at the time of renewal is not allowed.
Health Insurance Companies in India Buy Online Now

Health Insurance Policies

ICICI Lombard Complete Health Insurance Policy

ICICI Lombard Complete Health Insurance is a comprehensive plan designed to protect you and your family against expenses incurred in case of hospitalization. This health insurance policy can be customized to suit your requirements and budget. ICICI Lombard Complete Health Insurance

 

Benefits of ICICI Lombard Complete Health Insurance

Key Benefits Policy Coverage Policy Exclusions Eligibility Buy Online

Comprehensive coverage for you and your family

Flexibility to choose from a wide range of options on premium, plan and Sum Insured ranging from Rs. 2 Lac to Rs.10 Lacs

Guaranteed lifelong renewability

No restriction on Maximum entry age

Option to choose sub-limit and modify premium*

Option of choosing 1 or 2 year policy period as per plans offered

Discount of 10% on a 2 year policy

Pre- Existing illness covered after two / four years depending on the plan chosen

Choice of add-on covers available along with Hospitalisation cover like Critical Illness, Donor Expenses, Hospital Daily Cash and Convalescence Benefit

Cashless claims facility at over 4000+ network hospitals across India Simply use your Health ID Card at any of our 4,000+ Network Hospitals and avail Cashless service, a boon for those times when you need finance the most.

Continue to enjoy quality service even during claim settlements with our own in-house health claim processing and wellness team

No co-payments for any disease or any hospitalization expenses Co-payment means a certain percentage of every claim amount, which has to be borne by the insured person. For example, a health policy may have co-pay of 20 % on hospitalization expenses taken in a non-network hospital, which means if the insured claims for Rs. 1,00,000 for any treatment availed in a non-network hospital then he will have to bear 20 % of such claim amount out of his own pocket.

Bouquet of value added services like free health check up coupon, online chat with doctor, diet & nutrition e-consultation, specialist e-consultation, discount vouchers and many more

No health check-up up to the age of 45 years (age as on last birthday)

Avail tax benefits under Section 80D of the Indian Income Tax Act 1961**

Options for one or two year covers (auto renewal) available

Get additional Sum Insured for every claim free year

Keep your family secured even against expenses for hospitalisation due to terrorist activities

Keep your family secured even against expenses for hospitalisation due to terrorist activities

* Except Cataract where Rs 10,000, 15000, 20,000 per eye is applicable as per sublimit plan opted.
** Tax benefits are subject to tax laws

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Health Care Plus - Health Insurance Policy

Now your insurance just got bigger with Health Care Plus. A health insurance cover, that takes care of excess payment that may arise due to the amount paid for illness over and above the existing cover. What's more, even if you don't have a cover you can still opt for this policy and get covered for the Sum Insured. Health Care Plus - 

Health Insurance Policy - ICICI Bank

Personal Protect Insurance Policy

The Personal Protect Insurance policy covers you against Accidental Death and Permanent Total Disablement (PTD) on account of Accident and also includes coverage against terrorism and acts of terrorism and optional cover against Accidental Hospitalisation Expenses and Accidental Hospital Daily Allowance. Individual 

Personal Protect Insurance Policy - ICICI Bank

Critical Care - Health Insurance Policy

If 'Savings' is what you are looking for, then Critical Care helps protect and support your savings by taking care of your medical expenses during hard times, so that your savings can be utilized in the best possible way. Critical Care - 

Health Insurance Policy - ICICI Bank

Health FAQ'S

Disclaimer:

ICICI Lombard Complete Health Insurance Policy - Misc 128
Health Care Plus Insurance Policy - Misc 113
Health Advantage Plus Insurance Policy - Misc 63
Personal Protect Insurance Policy - Misc 111
Critical Care - Health Insurance Policy - Misc 65

The webpage contains only an indication of the cover offered. For complete details on coverage, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale.
Insurance is the subject matter of solicitation.
"ICICI Bank Limited ("Bank") with registered office at Landmark,Race Course Circle, Vadodra 390 007 is licensed as a corporate agent license number: ILG 2470377 of ICICI Lombard General Insurance Company Limited having its registered office at ICICI Bank Towers,Bandra-Kurla Complex,Mumbai 400051. The contract of insurance is with ICICI Lombard General Insurance Company Limited who are liable for all valid claims on the policy. Bank's customers participation in the policy is entirely voluntary."
IRDA Coprorate Agency Licence. No. 2470377.
For queries: 1800 209 6677