Health Top Up

Secure yourself from surging medical costs and unexpected health issues with the Health Top Up Policy. The Health Top Up Policy is a super top-up plan that extends your coverage for illnesses and expenses not covered by your base plan or top-ups, it also comes with a deductible threshold.

What is Deductible

Deductible is your part of money to be paid during hospitalisation. Let’s divide insurance into two parts- Yours and Ours. A deductible is your part of the amount to pay to the hospital, be it out of your pocket or from your primary health insurance. Once the medical bill crosses the "deductible" threshold that’s where Our part comes in. Your Health Top Up policy is then activated and the rest of the amount is thus paid by us. So, while buying a Health Top Up policy, the sum insured amount that is not payable by us is the deductible. In case of multiple hospitalisations, if you’ve exceeded your deductible amount once, then post that, up to the sum insured with your Health Top Up policy, we will pay your hospitalisation costs. Let’s assume that you have a medical policy, with a sum insured of 5 lakhs and a Health Top Up policy of 15 lakhs with a deductible of 5 lakhs

In one policy year-
Sum Insured (Health Top Up)	Rs. 15 lakhs
Hospitalization 1: Claim of Rs. 7 lakhs	You (Or your base policy) pays: Rs 5 lakhs We pay: Rs 2 lakhs
Remaining sum insured (Health Top Up)	Rs 13 lakhs
Hospitalization 2: Claim of Rs 4 lakhs	You pay: Rs 0 We pay: Rs 4 lakhs
Remaining sum insured (Health Top Up)	Rs 9 lakhs
Hospitalization 3: Claim of Rs 9 lakhs	You pay: Rs 0 We pay: Rs 9 lakhs

Company shall not be liable for the deductible amount as specified against the plan opted. The Company are not liable for any payment unless the hospitalization medical expenses exceed the deductible. No deductible shall be applicable for optional cover.

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Key Benefits

Sum Insured options
- 10Lacs/15Lacs/20Lacs/25lacs/50Lacs with Deductible Amount options of 3Lacs/4Lacs/5Lacs
Pre & Post Hospitalization
- Medical Expenses incurred due to Illness up to 30 days period immediately before and 60 days immediately after an Insured Person's admission to a Hospital
Day Care Procedures
- Medical expenses for All day care procedures and surgeries where such procedures or surgeries are undertaken by an Insured Person as an In-patient in a Hospital for continuous period of less than 24 hours
Domiciliary Cover
- Covers Medical expenses incurred for Domiciliary Hospitalization up to Sum Insured
Cover for alternate methods of treatment
- Reimbursement of expenses for Alternative treatment up to Sum Insured
Organ Donor Expense
- Covers Medical Expenses incurred for an organ donor’s Hospitalization for an organ donated to the Insured Person
Domestic Road Emergency Ambulance
- Ambulance expenses incurred to transfer the Insured Person following an emergency to the nearest Hospital. Maximum amount payable is Rs.3000 per event of emergency hospitalization
Air Ambulance
- Covers expenses incurred on air ambulance services to transfer the Insured Person to the nearest Hospital in case of an emergency. Maximum amount payable under this cover is 10% of Sum Insured as stated in the Policy Schedule.

Policy Exclusions

Following is an indicative list of the policy exclusions. Please refer to the policy wordings for the complete list.

Naturopathy treatment, acupressure, acupuncture, magnetic and such other therapies
Unproven experimental treatment
Any expenses arising out of Domiciliary Treatment
Treatment taken outside the country
Cosmetic surgery
Lasik Surgery
Septoplasty
Infertility & Related Ailments
Admin/Registration/Service/Misc. Charges
Expenses on fitting of Prosthesis
Any device/instrument/machine contributing/replacing the function of an organ
Holter Monitoring are outside the scope of the policy
Sterility, venereal diseases or any sexually transmitted diseases
Dental treatment unless due to accident
Any case directly or indirectly related to criminal acts
Refractive error correction, hearing impairment correction
Substance abuse, self-inflicted injuries, STDs and HIV/ AIDS

Eligibility:

If you are above 21 years of age, you can buy the Health Top Up Insurance policy for yourself and your family members, children and parents
If you want your child to be covered in the same policy, your child should be above 91 days in age and less than 21 years
You can avail Income Tax benefits under Section 80D, only on policies bought for self, spouse, parents and dependent children

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More Information

Freelook Period

Offer can be cancelled during free look period (15 days from the date, the policy is received) by giving a written notice to Company or by calling on 1800 2666. In this case, Company will refund the premium paid subject to deduction of the expenses incurred by Company on medical examination of the Insured Person(s) and the stamp duty charges.

Cancellation

Disclosure to information norm: The policy shall be void and all premium paid hereon shall be forfeited to the company, in the event of misinterpretation, mis-description or non-disclosure of any material fact.
You may cancel this Policy by giving Us 15 days written notice for the cancellation of the Policy by registered post, and then We shall refund premium on short term rates for the unexpired Policy Period.

Renewal

The Policy can be renewed as a separate contract under the then prevailing ICICI Lombard Group Health Insurance product or its nearest substitute (in case the product ICICI Lombard Group Health Insurance is withdrawn by the Company) approved by IRDA.
The policy shall ordinarily be renewable except on grounds of fraud, moral hazard or misrepresentation or non- cooperation by the insured.
The policy could be subject to certain changes in terms and conditions including change in premium rate.
Premium rates may change at the time of renewal subject to change in plan &/or age band of senior most insured

Tenure

Policy tenure for a period of 1 year.

Waiting period

Pre-existing diseases: Declared and accepted PED covered after 24 months
Initial waiting period: 30 days for all illnesses (except Hospitalization due to injury).
Specific waiting period: First 24 months, for specific Illness and treatment.

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Disclaimer

The advertisement contains only an indicative of cover offered. For more details on risk factors, terms, conditions and exclusions, please read the terms & conditions/policy wording carefully before concluding a sale. Insurance is underwritten by ICICI Lombard General Insurance Company Limited. GROUP HEALTH INSURANCE. (UIN - ICIHLGP21380V042021 (Misc 11))

ICICI Bank Limited (“ICICI Bank”) with registered office at ICICI Bank Tower, Near Chakli Circle, Old Padra Road, Vadodara, 390 007, Gujarat (CIN: L65190GJ1994PLC021012) Toll Free No. 1860 120 7777 is only a Corporate Agent (Composite, IRDAI Regn No.: CA0112 valid till March 31, 2022) of ICICI Lombard General Insurance Company Limited having its registered office at ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhivinayak Temple, Prabhadevi, Mumbai 400025. IRDAI Reg. No. 115. Toll Free No. 1800 2666. Fax No. 022 61961323, CIN: L67200MH2000PLC129408. Email - customersupport@icicilombard.com, Website - www.icicilombard.com.

Enrolment by ICICI Bank’s customer of any insurance products is purely voluntary, and is not linked to availment of any other facility from ICICI Bank.

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS

IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums.
Public receiving such phone calls are requested to lodge a police complaint.