ICICI Lombard Health Insurance Covered Diseases List

Health insurance is a form of insurance that covers medical costs incurred by an individual or a group. The coverage provided by health insurance policies can vary widely, depending on the specific plan and the insurance company that offers it.

ICICI Lombard Health Insurance is one of the leading health insurance providers in India. It offers a comprehensive range of health insurance plans that cater to the healthcare needs of individuals and families, as well as group mediclaim insurance products. One of the most important aspects of any health insurance plan is the diseases that are covered under the policy. In this article, we will learn about the diseases that are covered under ICICI Lombard Health Insurance.

1. Cancer

   Cancer is a major health concern in India, and ICICI Lombard Health Insurance covers all types of cancer. The policy provides coverage for the cost of treatment, hospitalisation, and other related expenses. Similarly, kidney-related diseases such as chronic kidney disease, kidney stones, and renal failure are covered under the policy.

2. Heart Diseases

   Congestive heart failure, heart surgeries, and other heart-related illnesses are also addressed. The cost of hospitalisation, surgery, and other medical costs associated with the treatment of heart-related illnesses are covered by the insurance.

3. Diabetes

   The expense of treating diabetes-related complications like kidney disease, neuropathy, and retinopathy is covered by ICICI Lombard Health Insurance, which is another important health worry in India. The expense of insulin and other diabetes-related medications is also covered by the policy.

4. Neurological Disorders

   The insurance also provides coverage for neurological conditions like epilepsy, Parkinson’s disease, and multiple sclerosis. The insurance plan covers the price of medical care, inpatient stays, and other associated costs.

5. Orthopaedic Problems

   The insurance also covers orthopaedic conditions like joint arthritis, fractures, and back pain. The cost of care, surgery, and other medical costs connected to orthopaedic conditions are provided by the insurance.

6. Gastrointestinal disorders

   The insurance covers gastrointestinal conditions like ulcers, irritable bowel syndrome, and inflammatory bowel disease. The cost of care, inpatient stays, and other associated expenses are compensated by the insurance.

7. Respiratory diseases

   The insurance also covers respiratory conditions like bronchitis, chronic obstructive pulmonary disease (COPD), and asthma. The cost of care, inpatient stays, and other associated expenses are borne by the insurance.

8. Eye-related disorders

   The insurance covers eye-related conditions like cataracts, glaucoma, and retinal detachment. The cost of treatment, surgery, and other medical costs associated with eye-related disorders are handled by the insurance.

In addition to the above diseases and medical conditions, some plans also cover dental treatments such as root canal treatment, dental implants, and orthodontic treatments.

It is important to note that specific exclusions and limitations may apply based on the terms and conditions of the policy. It is recommended to review the policy document carefully to understand the complete list of covered and excluded conditions. Additionally, pre-existing conditions may have waiting periods before they are covered, depending on the policy terms.

Features Of ICICI Lombard Health Insurance

Some of the key features of ICICI Lombard Health Insurance plans include cashless hospitalisation, which means that the policyholder can avail of medical treatment without having to pay for the expenses upfront. The policy also covers pre-existing medical conditions after a waiting period, and the coverage can be extended to include additional family members.

ICICI Lombard Health Insurance also offers add-on benefits, such as critical illness cover, personal accident cover, and maternity cover. These add-on benefits can be included in the policy to provide additional coverage for specific medical conditions or events.