Other important terms and conditions
- In line with extant IRDAI regulations, customer shall also have the right to migrate from ICICI Lombard Group Health Insurance to an individual health insurance policy or a family floater policy as may be issued by ICICI Lombard to transfer the credit gained for pre-existing conditions and time bound exclusions. However, the customer shall be required to apply for the same to ICICI Lombard at least 45 days before the policy expires.
- The information provided here shall be valid for the term of the policy contract unless the same is changed by the insurance company or in conflict with the applicable laws.
Customer would be given a period of 15 days (free look period) from the date of receipt of the Policy to review its terms and conditions. Where the Policy Holder disagrees to any of the terms or conditions of the Policy, he has the option to return the Policy stating the reasons for his objection. In case the request for cancellation comes 15 days after the receipt of Policy by you, the refund of premium would be paid to you on short term basis.
1Pre-acceptance Medical Screening is mandatory irrespective of the age of the person and the sum insured opted. However, Medical Examination will be done for those who declare adverse medical history as per the Underwriting discretion and for the age of 65 and above.
2Deduction under Section 80D is as per applicable provisions of the Income Tax Act, 1961 and amendments made thereto. Tax laws are subject to amendments from time to time.
3Insurer will respond within 4 hours on receipt of complete set of documents and information.
4This being a Group Insurance Policy, it is noteworthy that in case the customer closes the Bank account, the benefits under this policy shall cease upon expiry of the policy term and the customer may not be eligible for renewal of this policy.
5Alternate Treatment covers (AYUSH): Ayurveda, Unani, Siddha and Homeopathy
For detailed product benefit, waiting period, exclusions, terms and conditions, click here to refer to Policy Wordings for details.