Health Top Up

 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 the ‘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 Rs 5 lakh and a Health Top-Up policy of Rs 15 lakh with a deductible of Rs 5 lakh.

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
• Treatment taken outside the country
• Cosmetic surgery
• Sterility, venereal diseases or any sexually transmitted diseases
• Dental treatment, unless due to an 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.

• Freelook Period
  1. 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
  1. 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.
  2. 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
  1. 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.
  2. The policy shall ordinarily be renewable except on grounds of fraud, moral hazard or misrepresentation or non- cooperation by the insured.
  3. The policy could be subject to certain changes in terms and conditions including change in premium rate.
  4. 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
  1. Pre-existing diseases: Declared and accepted PED covered after 24 months
  2. Initial waiting period: 30 days for all illnesses (except Hospitalization due to injury).
  3. Specific waiting period: First 24 months, for specific Illness and treatment.

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.