ICICI Health Protect Plus Plan
ICICI Lombard Health Insurance
Highlighted Features
Room Rent (Normal & ICU)
ICICI Health Protect Plus offers coverage for room rent, including both normal and ICU hospitalization, without any sub-limits.
Advanced treatments
ICICI Health Protect Plus covers advanced treatments, including robotic surgeries, stem cell therapy (if medically necessary), oral chemotherapy, and modern procedures like targeted therapy.
Brochure
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Our Verdict
This plan offers extensive coverage with no room rent limits, global emergency cover, and maternity benefits. Ideal for families and individuals seeking comprehensive, flexible health insurance.
About the Plan
ICICI Health Protect Plus is a comprehensive health insurance plan designed to provide financial security against medical expenses. It offers extensive coverage, including in-patient hospitalization, pre- and post-hospitalization expenses, daycare treatments, and domiciliary hospitalization. The plan also includes benefits like ambulance cover, annual health check-ups, and alternative treatments under AYUSH. Policyholders can enhance coverage with optional add-ons such as critical illness and personal accident cover. With cashless treatment at a vast network of hospitals, the plan ensures hassle-free healthcare access.
About the Plan
Features of the Product
Room Rent (Normal & ICU)
ICICI Health Protect Plus offers coverage for room rent, including both normal and ICU hospitalization, without any sub-limits.
Advanced Treatments
Covers advanced treatments, including robotic surgeries, stem cell therapy (if medically necessary), oral chemotherapy, and modern procedures like targeted therapy.
Co-payment
Does not have a mandatory co-payment for most treatments. However, co-payment may apply for senior citizens or specific medical conditions as per policy terms.
Waiting Periods
Initial Waiting Period – 30 days from policy inception, except for accidental injuries.
Pre-Existing Diseases (PED) – Covered after 2 years of continuous policy coverage.
Specified Illnesses & Treatments – A waiting period of 2 years applies to certain listed conditions and procedures.
Cashless Healthcare Providers
10,896+ hospitals across india
Day Care Treatments
Covered under the policy.
AYUSH Treatment
Covered under this policy
Exclusions
Any illness, disease, or injury that existed before policy inception is excluded until 48 months of continuous coverage have elapsed.
Medical expenses incurred within the first 30 days from the policy start date are not covered, except those arising from accidents.
Treatment for certain conditions, such as cataract, hernia, hydrocele, and sinusitis, is excluded during the first two years of coverage.
Expenses related to self-inflicted injuries, including suicide attempts, are not covered.
Medical issues arising from the use or abuse of alcohol, drugs, or other intoxicants are excluded.
Expenses for cosmetic or plastic surgery, unless necessitated by an accident or medically required, are not covered.
Routine dental treatments, eye examinations, and the cost of spectacles or contact lenses are excluded.
Treatment for congenital diseases, defects, or anomalies is not covered.
Medical expenses resulting from war, acts of foreign enemies, or nuclear contamination are not covered.
Exclusions
No Room Rent Limit - Choose any hospital room, including ICU, without worrying about additional charges or restrictions.
Enhanced No Claim Bonus - Increase your sum insured each claim-free year, ensuring greater coverage at no extra cost.
Daycare Procedure Coverage - Covers specialized medical procedures that require less than 24 hours of hospitalization.
Domiciliary Treatment - Receive medical treatment at home if hospitalization isn’t possible due to medical conditions.
AYUSH Treatment - Get coverage for alternative treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy.
Worldwide Coverage - Enjoy global medical coverage for emergencies while traveling abroad.
Maternity & Newborn Cover - Covers maternity expenses and newborn baby care from birth, ensuring financial ease for new parents.
OPD & Dental Cover - Reimburses outpatient consultations, diagnostic tests, dental treatments, and prescribed medications.
Add-ons
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
ICICI Lombard is a leading private sector general insurance company in India, offering a comprehensive range of products, including health, motor, travel, and home insurance, through multiple distribution channels.
Their Elevate Health Policy is a customizable health insurance plan designed to provide extensive coverage for hospitalization and daycare treatments. Key features include unlimited reset of the sum insured, cashless approval within two hours, and a 30% discount on renewals for active living. Additionally, the plan offers a 100% increase in the sum insured every year and unlimited sum insured on any one claim during the policy lifetime, ensuring policyholders have access to necessary medical care without financial strain.
CEO and MD of ICICI Lombard general insurance company limited, Mr Sanjeev Mantri ensures that their vision and values align with providing a financial cushion to the policyholders during any health crisis.
About the Company
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