PRODUCTS

1. FAMILY PROTECT PREMIER INSURANCE

A comprehensive Health Insurance policy that ensures...Poorey parivaar ki poori suraksha. Secure your family against financial emergencies during sudden illness, surgery and accidents as well as against terrorist activities. Family Protect Premier Insurance plan lets you share the entire sum insured among the family members covered under the policy, without any individual upper limits.

Key Benefits
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Comprehensive coverage for family. Cashless claims facility at over 4,000+ network hospitals across India Continue to enjoy quality service even during claim settlements with - ICICI Lombard Health Care - our own inhouse health claim processing and wellness team No sub-limits on room rent, doctor fees, and hospital charges or for any disease* No co-payments for any disease or any hospitalization expenses Now get a Free health check-up coupon for any one insured family member, valid for the policy period 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** Buy Online and pay in EMIs without any extra charges*** 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 hospitalization due to terrorist activities Called a Convalescence benefit, the insured, once during the policy period, is eligible for a benefit amount of 10,000 if hospitalized for any bodily injury or illness as covered under the policy, for a period of 10 consecutive days, or more. The insured will be eligible for a daily cash of 1000 per day for a max. of 7 days, in case the insured is hospitalized for any injury or illness as covered under the policy, for a minimum of 5 consecutive days.

What is covered?
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Medical expenses incurred as an inpatient during hospitalization for more than 24 hours, including room charges, doctor/ surgeon's fee, medicines bills, etc Medical expenses incurred 30 days prior and 60 days post hospitalization Day Care expenses incurred on named advanced technological surgeries and procedures requiring less than 24 hours of hospitalization. (Including Dialysis, Radiotherapy and Chemotherapy) Pre-existing diseases can be covered after four continuous years of coverage with the Company* This policy also covers you for hospitalization in case of Swine Flu / H1N1 influenza**

What is not covered?

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Exclusions valid for the first 30 Days Any illness contracted within 30 days of the inception date of the Policy, except those that are incurred as a result of an accident. This clause is not applicable on the subsequent renewals Exclusions valid for the first 2 Years Treatment of the following diseases/illness/ailments: Cataract Benign Prostatic Hypertrophy Myomectomy, Hysterectomy unless because of malignancy

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Hernia, Hydrocele Fistula in Anus, Piles Arthritis, Gout, Rheumatism Joint replacement, unless due to accident Sinusitis and related disorders Stone in the urinary and biliary systems Dilatation & Curettage Skin and all internal tumors / cysts / nodules / polyps of any kind, including breastlumps, unless malignant / adenoids and hemorrhoids Dialysis required for chronic renal failure Surgery on tonsils, adenoids and sinuses Gastric and duodenal ulcers Permanent exclusions Any illness/ disease/ injury/ pre-existing disease before the inception of the policy.However, this exclusion ceases to apply if the policy is renewed with the Company for 4 consecutive years Non-allopathic treatment, pregnancy and childbirth related complications, cosmetic,aesthetic and obesity related treatment Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor,intoxicating substances or drugs as well as intentional self injury War, riots, strike, nuclear weapon, induced treatment

Eligibility
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The customer can buy the policy for any family member(s) children and / or parents The senior most person to be insured should be between 5 to 60 years of age The Proposer needs to be aged above 18 years To cover children aged between 91 days to 5 years, the policy must also cover at least 1 adult under the same policy Children under less than 91 days old cannot be covered Individual(s) proposed for Insurance whose age is 46 years & above have to undergo medical tests at ICICI Lombard designated diagnostic centers The policy cover is renewable till the age of 70 years Income Tax benefits u/s 80D can only be availed for policies bought for Self, Spouse, Children or Parents Floater benefit under the policy is available up to the age of 60 years. All floater policies thereafter will be renewed under individual plan up to the age of 70 years

2. HEALTH ADVANTAGE PLUS

A comprehensive Health Insurance policy that not only goes beyond covering just your hospitalization expenses, but also offers coverage for Out Patient Treatment expenses (OPD) and Tax Benefits.

Key Benefits
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Covers Outpatient Department (OPD) expenses, such as diagnostics tests, dental treatment, medical bills, ambulance charges, etc. Avail Cashless Claim facility at over 4,000+ network hospitals across India No sub-limits on room rent, doctor fees, and hospital charges or for any disease No co-payments for any disease or any Hospitalization expenses Now get an Additional Sum Insured for every claim free year

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Pre-existing illness covered after two years, subject to continuous renewal of the policy with the Company Avail Tax Benefit under Section 80 D of the Indian Income Tax Act, 1961**. Calculate your exact tax gain through our online Tax Calculator Maternity expenses can be covered under OPD expenses of this plan up to the OPD sum insured Insurance against Terrorist activities A maximum of 2 adults can be covered under a single policy

What is covered?
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Medical expenses incurred as an inpatient during hospitalization for more than 24 hours, including room charges, doctor's / surgeon's fee, medicines, diagnostic tests, etc. Medical expenses incurred 30 days prior and 60 days post hospitalization Pre-existing diseases can be covered after two continuous years of coverage with the Company* Covers against hospitalization in case of Swine Flu / H1N1 influenza

What is not covered?

Exclusions for Hospitalization Benefit Cover Exclusions valid for the first 30 Days: Any illness contracted within 30 days of the inception date of the policy, except those that are incurred as a result of an accident. This clause is not applicable on the subsequent renewals of this policy. Exclusions valid for the first 2 Years: Treatment of the following diseases: Cataract (limited to 20,000 per eye) Benign Prostatic Hypertrophy Myomectomy, Hysterectomy unless because of malignancy Hernia, Hydrocele Fistula in Anus, Piles Arthritis, Gout, Rheumatism Joint replacement, unless due to accident Sinusitis and related disorders Stone in the urinary and biliary systems Dilatation & Curettage Skin and all internal tumors / cysts / nodules / polyps of any kind, including breast lumps, unless malignant / adenoids and hemorrhoids Dialysis required for chronic renal failure Surgery on tonsils and sinuses Gastric and duodenal ulcers Deviated Nasal Septum

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Eligibility
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The enrolment age (of senior most members) can be between 5 to 65 years of age. Maximum two adults can be covered under a single policy. The Proposer needs to be aged above 18 years No health check-up up to the age of 45 years (age as on last birthday). Individual(s) proposed for Insurance whose age is 56 years & above have to undergo medical tests at ICICI Lombard GIC Ltd designated diagnostic centers The policy is renewable till the age of 70 years

Income Tax benefits u/s Section 80D of the Income Tax Act, 1961 can only be availed for policies bought for self, spouse, dependent children or parents.

3. Individual Personal Accident Insurance

ICICI Lombard Individual Personal Accident Insurance policy covers you against Accidental Death and Permanent Total Disablement (PTD).This includes coverage against terrorism and acts of terrorism. Personal Accident Insurance comes with global coverage Key Benefits Coverage against Accidental Death or Permanent Total Disablement (PTD) due to an accident Customized coverage that allows you to choose between 3 Lakhs, 5 Lakhs, 10 lakhs and 20 Lakhs Sum Insured Covers claims arising out of Terrorism or acts of Terrorism No health check-up required for policy issuance Worldwide coverage of the policy Easy Claim Process with minimal documentation Buy Online and pay in EMIs without any extra charges*

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What is covered?
Accidental Death: In case of death of the insured due to an accident within the policy period, the nominee (mentioned in the policy) is compensated with the Sum Insured. Permanent Total Disablement (PTD): Individual Personal Accident pays compensation against the permanent and total loss of limbs, sight etc. due to an accident. Terrorism and Acts of Terrorism: In case of the death or PTD of the insured arising out of terrorism or acts of terrorism within the policy period, the nominee (mentioned in the policy) is compensated with the Sum Insured.

What is not covered?

The Company shall not be liable under this policy for: Compensation / Claim under more than one of the categories specified in the Policy Coverage in respect of the same period of disablement of the Insured Person. Claims arising from sickness/illness Death, injury or disablement of Insured Person as a result of From intentional self-injury, suicide or attempted suicide Whilst under the influence of intoxicating liquor or drugs Whilst engaging in aviation or ballooning, or whilst mounting into, or dismounting from or travelling in any balloon or aircraft other than as a passenger (fare-paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world Directly or indirectly caused by venereal disease or insanity Arising or resulting from the Insured committing any breach of the law with criminal intent War, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrests, restraints and detainment of all kinds Nuclear weapon induced treatment Childbirth or pregnancy or in consequence thereof

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Eligibility
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The customer can buy the policy for any family member(s) children and / or parents The senior most person to be insured should be between 5 to 60 years of age The Proposer needs to be aged above 18 years To cover children aged between 91 days to 5 years, the policy must also cover at least 1 adult under the same policy Children under less than 91 days old cannot be covered Individual(s) proposed for Insurance whose age is 46 years & above have to undergo medical tests at ICICI Lombard designated diagnostic centers The policy cover is renewable till the age of 70 years Income Tax benefits u/s 80D can only be availed for policies bought for Self, Spouse, Children or Parents Floater benefit under the policy is available up to the age of 60 years. All floater policies thereafter will be renewed under individual plan up to the age of 70 years

4. Critical Care
ICICI Lombards Critical Care Insurance policy helps protect your savings by taking care of your medical expenses during those trying times, so that your savings can be utilized in the way you had initially planned. Critical Care insurance is a pure benefit policy. Though the premium is payable in Indian Rupees, the coverage offered is worldwide.

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It also offers financial support to help you cope with the lifestyle changes that you need to make post a critical illness or major accident It supports your savings by offering you a lump-sum benefit of the entire sum insured on first diagnosis / undergoing of any of the nine listed Major Medical Illnesses and Procedures.

Key Benefits
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Comprehensive cover and pure benefit policy offering lump-sum amount equivalent to sum insured just on first diagnosis / undergoing of any of 9 Major Medical Illnesses &Procedures, Accidental Death /Permanent Total Disablement (PTD) due to accident No health check-up required for policy issuance No survival period Benefit paid immediately on first diagnosis of the covered Major Medical Illnesses and Procedure Choose between a cover of 3 Lakh, 6 Lakh or 12 Lakh sum insured and policy duration between 1 year, 3 years or 5 years Avail of tax benefit under section 80D of Income Tax Act on the premium applicable for Major Medical Illnesses &Procedures cover* Only a proposal form and medical declaration from needs to be filled for policy issuance Claim settled within 21 days of receipt of all required documents * Tax benefits are subject to tax laws

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What is covered?
Critical Care offers you a choice of coverage on both the sum insured and the tenure of the policy. You can choose between a cover of 3 Lakh, 6 Lakh or 12 Lakh sum insured and policy duration between 1 year, 3 years or 5

years. Major Medical Illness &Procedures Cover: The Critical Care Insurance shall cover, subsequent to 90 days from the policy start date, the following Major Medical Illnesses &Procedures: 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 On first diagnosis of any of the above illnesses / procedures, the insured is entitled to the lump-sum benefit of the entire Sum Insured opted for.

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Accidental Death Cover In case of death of the insured due to an accident within the policy period, the nominee (mentioned in the policy) is compensated with the Sum Insured. Accidental Permanent Total Disablement (PTD) Cover Critical Care insures against the permanent and total loss of limbs and sight due to an accident. The compensation (sum insured opted for) is given as a lump-sum benefit in the event of a claim being considered admissible. It is to be noted that the compensation is payable only if the disablement results in inability to remain gainfully employed.

What is not covered?

Exclusions applicable to Major Medical Illness and Procedures section: 90 Days Exclusion: Any illnesses and procedures within 90 days from start date of policy will not be covered. This clause does not apply for subsequent renewal (without a break) of this policy with us. Treatment of the following diseases:

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Cataract (sub-limit of 20,000 per eye applicable) Benign Prostatic Hypertrophy Myomectomy, Hysterectomy unless because of malignancy Hernia, Hydrocele Fistula in Anus, Piles Arthritis, Gout, Rheumatism Joint replacement, unless due to accident Sinusitis and related disorders Stone in the urinary and biliary systems Dilatation &Curettage Skin and all internal tumors / cysts / nodules / polyps of any kind, including breast lumps, unless malignant / adenoids and hemorrhoids Dialysis required for chronic renal failure Surgery on tonsils and sinuses

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Gastric and duodenal ulcers Deviated Nasal Septum Major Exclusions

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The Company shall not be liable under this policy for: Pre-Existing illness Absence of submission of Doctor's medical certificate confirming the first diagnosis / undergoing of Illness or Injury or undergoing of medical / surgical procedure Any congenital illness or condition Any medical procedure or treatment, which is not medically necessary or not performed by a certified Doctor Any physical, medical or mental condition, illness, injury or treatment or service which is specifically excluded under the Policy Treatment relating to birth defects and external congenital Illnesses Birth control procedures and hormone replacement therapy Any treatment / surgery for change of sex or any cosmetic surgery or treatment Treatment by family member and self-medication or any treatment that is not scientifically recognized Exclusions applicable to Accidental Death / Permanent Total Disability due to accident The Company shall not be liable under this policy for: Compensation / Claim under more than one of the categories specified in the Policy Coverage in respect of the same period of disablement of the Insured Person

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Claims arising out of sickness / illness Permanent Total Disablement prior to commencement of the policy Death, injury or disablement of Insured Person: 1) From intentional self-injury, suicide or attempted suicide 2) Whilst under the influence of intoxicating liquor or drugs 3) Directly or indirectly caused by venereal disease or AIDS Directly or indirectly caused by or contributed to or aggravated or prolonged by childbirth or pregnancy or in consequence thereof Engagement in dangerous activities Mounting into, dismounting from or traveling in any aircraft other than as a fare paying passenger on a scheduled flight Mental disorder or psychosomatic dysfunction

Eligibility
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The enrolment age (of senior most member) can be between 5 to 65 years of age. Maximum two adults can be covered under a single policy. The Proposer needs to be aged above 18 years No health check-up up to the age of 45 years (age as on last birthday). Individual(s) proposed for Insurance whose age is 56 years &above have to undergo medical tests at ICICI Lombard GIC Ltd designated diagnostic centers The policy is renewable till the age of 70 years Income Tax benefit u/s Section 80D of the Income Tax Act, 1961 can only be availed for policies bought for self, spouse, dependent children or parents.

5. Health Care Plus

HealthCare Plus is a top-up Health Insurance plan for people who already have an existing Health Insurance policy, but want to increase the Sum Insured or coverage of their current plan. Health Care Plus from ICICI Lombard provides you with an enhanced Sum Insured, designed to supplement your existing health insurance coverage. For a considerably lower premium, it takes care of the medical expenses in cases where your present cover has exhausted its sum insured.

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Individual Cover for each member of the family Flexible Sum Insured Flexible Deductibles Long term cover from 1 year to 3 years. Entry Age: 5 years to 65 years and Renewable up to 70 years No sub-limits on room rent, hospitalization expenses, diagnostic tests/ doctors fees, etc. No Co-payment Free Health Check-up for any one insured member upon policy renewal Income Tax benefits under section 80D.

What is covered?
The Company will indemnify, subject always to the Limit of Indemnity, the Insured against:The Medical Charges incurred by the Insured, as a result of suffering Illness or Bodily Injury during the Period of Insurance, which on the advice of a Medical Practitioner requires Hospitalization for a minimum period of 24 hours.

What is not covered?

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Any expense incurred prior/ post Hospitalization Pre-existing Diseases covered only after 4 consecutive renewals with the company

Eligibility
Enrollment age for the members proposed for this insurance is from 5 years to 65 years. Proposer needs to be aged 18 years or above. Individual(s) proposed for Insurance whose age is 56 years & above have to undergo medical tests at ICICI Lombard designated diagnostic centers.

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