ICICI Lombard Health Insurance Plans
ICICI Lombard offers various health plans that provide financial protection to you and your loved ones. These plans aim to fulfill your healthcare requirements at the time of a medical emergency. The company offers plans for individuals,
families and even offers coverage against COVID-19.
ICICI Lombard Health Insurance Individual & Family Plans
Family Health Insurance
A comprehensive health insurance plan that covers you & your family's healthcare needs with a wide range of SI (2 Lakhs to 50 Lakhs)
Unique Features
- Available in 4 different variants
- 100% Automatic Restoration of SI
- Riders for enhanced coverage
Standard Health Insurance
A standard Health plan that offers coverage up to 5 lakhs to the insured & his family. The plan offers you everything you need under a health insurance plan.
Unique Features
- Cumulative Bonus
- Cataract treatment covered
- Modern Procedures covered
Arogya Sanjeevani Policy (Pros)
- Intensive Cardiac Care Charges
- Ambulance charges up to 2000
- Cataract treatment
- In-patient hospitalization
- Uterine Artery Embolization
Arogya Sanjeevani Policy (Cons)
- No Eyesight correction expenses
- Fertility expenses not covered
- Nursing at home not covered
- OPD expenses not covered
- No Non-allopathic Treatment
Arogya Sanjeevani Policy (Other Benefits)
- Floater benefit
- Pre-existing diseases after 4 yrs
- In-patient AYUSH treatment
- Daycare procedures
- Pre and post-hospitalisation
Arogya Sanjeevani Policy (Eligibility Criteria)
- Entry Age - 18 Years
- Maximum Entry Age - 65 Years
- SI - 1 L to 5 L
- Waiting Period - 30 Days
ICICI Lombard Health Insurance Specialized Plans
Top-up
A Top-up plan that offers extra coverage to you and your family with a comparatively lower premium with a policy deductible principle.
Unique Features
- Wellness Programs
- Critical Illnesses Covered
- Lifetime Renewability available
- No Check-up up to 10 Lakh
- Discount of up to 12.5%
- Cashless treatment Hospitals
- Reimbursement within 14 days
- Deductible options (3/4/5 lakhs)
- No international Coverage
- No Alcohol or drug abuse
- No Refractive error correction
- Dental treatment not covered
- No hearing impairment correction
Health Booster (Other Benefits)
- Hospital Daily Cash
- Convalescence Benefit
- Personal Accident Cover
- Repatriation of Remains
- (TTD) Rehabilitation Cover
Health Booster (Eligibility Criteria)
- Entry Age - 18 Years
- No Upper Age Limit
- SI - 5 L to 50 L
- Waiting Period - 30 Days
Personal Accident
The plan offers personal accident coverage on an individual and family floater basis, with coverage up to 25Lakhs.
Unique Features
- Permanent Disability Covered
- No pre-medical required
- Worldwide coverage
Personal Protect Plan (Pros)
- All Disablement Covered
- Accidental Hospital Allowance
- Rail accidents covered
- Natural Peril Injury CFovered
- No health check-up required
Personal Protect Plan (Cons)
- Change of Gender Treatments
- Cosmetic or Plastic Surgery
- Dental treatment not covered
- Maternity expenses not covered
- No Global Coverge
Personal Protect Plan (Other Benefits)
- No Injuries in terrorism covered
- Hospital Daily Allowance Benefit
- Accidental Hospital Allowance
- Funeral Expenses covered
- Children's Education Grant Benefit
Personal Protect Plan (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 3 L to 25 L
- Waiting Period - 30 Days
Covid specific Plan
A plan mandated by IRDAI that offers covers the hospitalization expenses if the insured is tested positive for Covid-19.
Unique Features
- Flexible Sum Insured
- Home-care treatment covered
- Treatment for comorbid
Corona Kavach Plan (Pros)
- Covid Hospitalization charges
- Home Care Treatment Expenses
- AYUSH Treatment Covered
- Hospital Daily Cash
- Flexible Policy Period
Corona Kavach Plan (Cons)
- Dietary supplements expenses
- Unproven Treatments expenses
- Respite care not covered
- Investigation Expenses
- Rehabilitation not covered
Corona Kavach Plan (Other Benefits)
- Inpatient hospitalization
- Family Floater Benefit
- In-patient treatment
- Home care treatment
- Post-hospitalisation
Corona Kavach Plan (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 50 Thousand to 5 L
- Waiting Period - 15 Days
Types of Universal Sompo Health Insurance Plans
Universal Sompo Health Insurance offers various health products to cater to the healthcare needs of every individual, the company offers a wide range of health plans, providing coverage to individuals, families, senior citizens, employees of an organization, and many more. The company at present offers 18 health insurance plans. Let's explore.
Universal Sompo Individual & Family Health Policies
Comprehensive
Universal Sompo Complete Healthcare Insurance
A comprehensive health plan that comes with benefits and value-added services like Dial-a-Doctor, Health Educational Library for People, & many more.
Unique Features
- Dental Treatment covered
- Vaccination cover
- Daily Cash for an Insured Child
Standard/Affordable
Universal Sompo Aarogya Sanjeevani Insurance
A standard health plan that offers complete protection in case of hospitalization due to any serious illness or accident.
Unique Features
- Treatment of Cataract covered
- Dental Treatments covered
- Plastic Surgery covered
Standard
Universal Sompo Saral Suraksha Bima
Saral Suraksha plan covers the insured on accidental death, disability, and diagnosis of listed critical illnesses, or permanent total disablement due to an accident.
Unique Features
- Cumulative Bonus of up to 50%
- Education Grant
- All day care treatments
Universal Sompo Specialized Health Plans
Top-up
Universal Sompo Super Healthcare Insurance
The plan takes care of your medical expenses once your basic cover is exhausted. It boosts the existing coverage by offering an enhanced cover of up to 1 Cr.
Unique Features
- No Medical tests up to 65 years
- 100% restoration of Base SI
- Bariatric Surgery Cover
Senior Citizen
Universal Sompo Senior Citizen Health Insurance Policy
This health plan is specially designed for senior citizens who are above 60 years of age and allows them to cover their spouse’s healthcare needs themselves.
Unique Features
- Cost of Health Check-up Covered
- Daily Allowance up to Rs. 2,500
- Optional covers
Loan Repayment
Universal Sompo Loan Secure Insurance Policy
Repay your outstanding loan amount in the event of your diagnosis of listed critical Illnesses or in case of unfortunate accidental death.
Unique Features
- 4 plan variants to choose from
- 18 Major Medical Illnesses covered
- Optional covers
Personal Accident
Universal Sompo Individual Accident Policy
Universal Sompo's Individual Accident Insurance offers several benefits if the policyholder gets injured or dies in an accident during the policy tenure.
Unique Features
- Compensation Benefit
- Hospital Confinement Allowance
- Funeral charges covered
Critical Illness
Universal Sompo Critical Illness Insurance Policy
The plan provides the necessary coverage to fight against the 11 listed critical illnesses, and pays the sum insured to the family.
Unique Features
- Sum insured up to 20 L
- Free look-up period
- Portability option
Daily Cash
Hospital Cash Insurance Policy
A daily allowance benefit (as hospital cash) is provided to the policyholder at the time of hospitalization.
Unique Features
- Convalescence Benefit
- Long-Term Policy Discount
- No pre-medical tests up to 55 years
Travel Plan
Pravasi Bhartiya Bima Yojana
The policy is designed only for those emigrants who bought this policy before leaving India and have their passports under “Emigration Check Required”.
Unique Features
- Transportation and Airfare Charge
- Maternity expenses
- Repatriation Expenses
Student Oriented
Universal Sompo Surva Vidyarthi Bima Yojana
The plan is taken by an Educational Institution/School for the benefit of the students. The insured can opt for any Section/Benefit and Extension as per their needs .
Unique Features
- Coverage for the Death of the Parent
- Reimbursement of Examination Fees
- Loss of Personal Belongings Cover
Rural Insurance
Universal Sompo Swarna Gramin Bima Yojana (Individual)
Universal Sompo Swarna Gramin Bima Yojana can be taken up by the Gramin (Village Dweller) for covering himself and his family.
Unique Features
- Coverage against personal accident
- Coverage against critical illness
- Optional covers available
Critical Illness
Universal Sompo Aapat Suraksha Bima Policy
The policy offers coverage to support the policyholder during sudden and unexpected medical contingencies, i.e., on the diagnosis of major critical illnesses.
Unique Features
- Accidental Death Cover
- Coverage against 5 critical illnesses
- 100% payout in accidental death
Universal Sompo Group Health Insurance Policies
Micro Insurance
Universal Sompo Sampoorna Suraksha Bima
The plan is designed to meet the insurance needs of sections that are eligible for credit from microfinance institutions such as self-help groups, NGOs, etc.
Unique Features
- Fire & Allied Perils (contents) cover
- Burglary and Robbery cover
- Personal accident and health cover
Group Vector Insurance
Universal Sompo Group Mashak Rakshak Policy
The policy offers coverage for vector-borne diseases such as Dengue, Malaria etc.
Unique Features
- 2% of the SI on a positive diagnosis
- Lump sum benefit
- Coverage for hospitalization
Group Comprehensive
Universal Sompo Group Health Insurance Policy
The plan is designed for the employees working in the trading & manufacturing sectors, social sectors, or members of any society or club.
Unique Features
- Domiciliary Hospitalization covered
- Optional Covers
- AYUSH Treatment covered
Group Personal Accident
Universal Sompo Group Personal Accident
The plan offers protection against the consequences of unforeseeable accidents to a group of employees/members.
Unique Features
- Restricted Contingency Cover
- Adventure Sports Inclusion Cover
- Carriage of Mortal Remains
Group Rural Insurance
Universal Sompo Swarna Gramin Bima Yojana (Group)
Universal Sompo Swarna Gramin Bima Group Yojana can be taken up by an organization such as NGOs, Financial Institutions for covering its rural clientele.
Unique Features
- Coverage against personal accident
- Coverage against critical illness
- Optional covers available
Universal Sompo Corona Specific Policies
Covid-19
Corona Rakshak Policy addresses the financial expenses that occur due to the hospitalization of COVID-19.
Unique Features
- Affordable Premium
- Flexible Sum Insured
- Annual Health Check-Up
Covid-19
Corona Kavach policy offers coverage against the expenses that arise at the time of COVID-19 treatment.
Unique Features
- Emergency Ambulance
- Post-Hospitalization Expenses
- AYUSH Healthcare
