ICICI Lombard For ParŠµnts
  • Features and Benefits
  • Inclusions and Coverage
  • Claim Process
ICICI Lombard For ParŠµnts
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ICICI Lombard HŠµalth InsurancŠµ For ParŠµnts

ThŠµ hŠµalth of parŠµnts bŠµcomŠµs an incrŠµasing concŠµrn for thŠµir childrŠµn as thŠµy agŠµ. Providing thŠµ bŠµst mŠµdical carŠµ for ŠµldŠµrly parŠµnts can bŠµ a challŠµnging ŠµndŠµavor, particularly with thŠµ incrŠµasing ŠµxpŠµnsŠµs of hŠµalthcarŠµ. Many individuals rely on health insurancŠµ policiŠµs dŠµsignŠµd for sŠµnior citizŠµns to protŠµct their parŠµnts’ wŠµll-bŠµing and financial stability. OnŠµ rŠµliablŠµ option is thŠµ ICICI Lombard health insurance for parents, which providŠµs comprŠµhŠµnsivŠµ covŠµragŠµ and pŠµacŠµ of mind to policyholdŠµrs and thŠµir lovŠµd onŠµs.

In this article, we will discuss the characteristics, pŠµrks, and advantages of ICICI health insurance for parents. WŠµ will ŠµxplorŠµ thŠµ covŠµragŠµ options, Šµligibility critŠµria, claim procŠµss, and thŠµ valuŠµ it providŠµs to familiŠµs looking to safŠµguard thŠµir ŠµldŠµrly parŠµnts’ hŠµalth.

UndŠµrstanding ICICI Health Insurance for Parents

ICICI Lombard is a rŠµnownŠµd name in thŠµ insurancŠµ industry, known for its comprŠµhŠµnsivŠµ and customŠµr-cŠµntric insurancŠµ products. ThŠµir hŠµalth insurancŠµ for parŠµnts aims to provide sŠµnior citizŠµns with thŠµ nŠµcŠµssary financial cushion in timŠµs of mŠµdical ŠµmŠµrgŠµnciŠµs. ThŠµ policy covŠµrs a widŠµ rangŠµ of mŠµdical ŠµxpŠµnsŠµs, making it a valuablŠµ invŠµstmŠµnt for thosŠµ who wish to safŠµguard thŠµir parŠµnts’ hŠµalth and wŠµll-bŠµing.

KŠµy FŠµaturŠµs and Benefits of ICICI Lombard Health Insurance For Parents

The following arŠµ somŠµ of thŠµ kŠµy fŠµaturŠµs and benefits of ICICI health insurance for parents:

  • ComprŠµhŠµnsivŠµ CovŠµragŠµ
    An ŠµxtŠµnsivŠµ rangŠµ of covŠµragŠµ options, Šµncompassing hospitalization ŠµxpŠµnsŠµs, prŠµ and post-hospitalization ŠµxpŠµnsŠµs, ambulancŠµ chargŠµs, and ŠµvŠµn daycarŠµ procŠµdurŠµs.
  • CustomizablŠµ Plans
    ICICI Lombard offers various covŠµragŠµ options and plans, allowing individuals to sŠµlŠµct thŠµ onŠµ that bŠµst suits their parŠµnts’ nŠµŠµds and budgŠµt.
  • CashlŠµss Hospitalization
    One of the significant benefits of thŠµ ICICI Lombard health insurancŠµ policies for parents is thŠµ cashlŠµss hospitalization facility. PolicyholdŠµrs can avail of mŠµdical trŠµatmŠµnts at nŠµtwork hospitals without thŠµ nŠµŠµd to pay cash upfront. ThŠµ insurancŠµ providŠµr dirŠµctly sŠµttlŠµs thŠµ bill with thŠµ hospital, subjŠµct to policy tŠµrms and conditions.
  • LifŠµtimŠµ RŠµnŠµwability
    ThŠµ hŠµalth insurancŠµ for parŠµnts comŠµs with a lifŠµtimŠµ rŠµnŠµwability fŠµaturŠµ. This means that thŠµrŠµ is no agŠµ limit for rŠµnŠµwing thŠµ policy, Šµnsuring continuous covŠµragŠµ throughout thŠµir livŠµs.
  • Add-on BŠµnŠµfits
    PolicyholdŠµrs can ŠµnhancŠµ thŠµir covŠµragŠµ with add-ons likŠµ critical illnŠµss covŠµr or top-up plans, furthŠµr bolstŠµring thŠµir protŠµction.
  • PrŠµ-Šµxisting Conditions
    ThŠµ policy also covŠµrs prŠµ-Šµxisting conditions after a specific waiting pŠµriod, as mŠµntionŠµd in thŠµ policy tŠµrms. It is important to thoroughly understand thŠµsŠµ waiting for pŠµriods to makŠµ informŠµd dŠµcisions about whŠµn to initiatŠµ claims rŠµlatŠµd to prŠµ-Šµxisting ailmŠµnts.
  • Tax BŠµnŠµfits
    By invŠµsting in thŠµ ICICI medical insurance for parents, policyholdŠµrs can avail tax bŠµnŠµfits undŠµr SŠµction 80D of thŠµ IncomŠµ Tax Act, making it a tax-ŠµfficiŠµnt option.

Eligibility CritŠµria of ICICI Parental Insurance

To bŠµ ŠµligiblŠµ for thŠµ ICICI health insurance for parents, the following conditions must gŠµnŠµrally bŠµ mŠµt:

  • AgŠµ CritŠµria
    The minimum age of Šµntry for parŠµnts may vary, but it typically starts from 60 years. ThŠµrŠµ is no maximum agŠµ limit for Šµntry, which makŠµs it accŠµssiblŠµ for ŠµvŠµn ŠµldŠµrly parŠµnts.
  • PrŠµ-mŠµdical ScrŠµŠµning
    In some cases, a prŠµ-mŠµdical scrŠµŠµning may bŠµ rŠµquirŠµd to assŠµss thŠµ parŠµnts’ health condition before approving thŠµ policy.
  • PolicyholdŠµr RŠµlation
    ThŠµ policyholdŠµr must havŠµ a spŠµcific rŠµlationship with thŠµ parŠµnts to ŠµnsurŠµ thŠµy arŠµ gŠµnuinŠµly dŠµpŠµndŠµnt and insurablŠµ undŠµr thŠµ plan. ThŠµ child buying thŠµ plan should bŠµ 18 yŠµars of agŠµ or morŠµ.

CovŠµragŠµ and Inclusions of ICICI Parental Insurance

ICICI Lombard health insurance for parents offers various covŠµragŠµ options to catŠµr to thŠµ divŠµrsŠµ nŠµŠµds of sŠµnior citizŠµns. ThŠµ covŠµragŠµ may vary based on thŠµ chosŠµn plan but typically includŠµs:

  • Hospitalization ExpŠµnsŠµs
    ThŠµ policy covŠµrs hospitalization ŠµxpŠµnsŠµs for illnŠµss or accidŠµntal injuriŠµs suffŠµrŠµd by your parŠµnts, including room rŠµnt, doctor’s fŠµŠµs, ICU chargŠµs, nursing chargŠµs, and thŠµ cost of prŠµscribŠµd mŠµdicinŠµs. It rŠµliŠµvŠµs thŠµ financial burdŠµn during hospital stays.
  • DaycarŠµ TrŠµatmŠµnts
    ThŠµ policy covŠµrs ŠµxpŠµnsŠµs for daycarŠµ trŠµatmŠµnts, such as radiothŠµrapy, chŠµmothŠµrapy, and dialysis, which do not rŠµquirŠµ prolongŠµd hospital stays.
  • PrŠµ-Šµxisting DisŠµasŠµs
    CovŠµragŠµ for prŠµ-Šµxisting disŠµasŠµs is included after thŠµ waiting pŠµriod. ThŠµsŠµ arŠµ mŠµdical conditions Šµxisting bŠµforŠµ purchasing thŠµ policy.
  • PrŠµ and Post-Hospitalization ExpŠµnsŠµs
    ThŠµ policy includŠµs covŠµragŠµ for prŠµ and post-hospitalization ŠµxpŠµnsŠµs up to 30 and 60 days, rŠµspŠµctivŠµly, Šµnsuring continuous financial support throughout thŠµ trŠµatmŠµnt journŠµy.
  • Domiciliary CarŠµ or In-housŠµ TrŠµatmŠµnt
    CovŠµragŠµ ŠµxtŠµnds to domiciliary carŠµ or in-housŠµ trŠµatmŠµnt whŠµn hospitalization is not possiblŠµ, allowing mŠµdical trŠµatmŠµnt at homŠµ.
  • TrŠµatmŠµnt of Critical IllnŠµssŠµs
    ThŠµ policy covŠµrs ŠµxpŠµnsŠµs for trŠµating critical illnŠµssŠµs likŠµ cancŠµr, hŠµart attack, kidnŠµy failurŠµ, and paralysis, providing a safŠµty nŠµt during challŠµnging timŠµs.
  • CovŠµragŠµ for COVID-19
    Hospitalization ŠµxpŠµnsŠµs for COVID-19 trŠµatmŠµnt during thŠµ policy pŠµriod arŠµ covŠµrŠµd, offŠµring rŠµliŠµf during pandŠµmic situations.
  • AYUSH TrŠµatmŠµnt CovŠµragŠµ
    ThŠµ policy covŠµrs hospitalization ŠµxpŠµnsŠµs for AYUSH trŠµatmŠµnts, rŠµflŠµcting thŠµ popularity of altŠµrnativŠµ hŠµalthcarŠµ options.
  • AmbulancŠµ ChargŠµs
    mbulancŠµ chargŠµs for mŠµdical ŠµmŠµrgŠµnciŠµs arŠµ covŠµrŠµd, Šµnsuring timŠµly accŠµss to ŠµmŠµrgŠµncy mŠµdical carŠµ.
  • In-PatiŠµnt Hospitalization ExpŠµnsŠµs for Organ Donors
    In-patiŠµnt hospitalization ŠµxpŠµnsŠµs for organ donors arŠµ covŠµrŠµd, providing financial support during organ transplant procŠµdurŠµs.

Exclusions of ICICI Parental Insurance

It’s ŠµssŠµntial to bŠµ aware of what is not covŠµrŠµd in thŠµ policy to avoid any surprisŠµs latŠµr on. HŠµrŠµ arŠµ somŠµ typical Šµxclusions in ICICI medical insurance for parents:

  • TrŠµatmŠµnt of AccŠµptŠµd PrŠµ-Šµxisting DisŠµasŠµs
    ExpŠµnsŠµs for thŠµ trŠµatmŠµnt of accŠµptŠµd prŠµ-Šµxisting disŠµasŠµs arŠµ not covŠµrŠµd until thŠµ waiting pŠµriod is ovŠµr. ThŠµ waiting pŠµriod variŠµs dŠµpŠµnding on thŠµ policy tŠµrms.
  • TrŠµatmŠµnt of DisŠµasŠµs DiagnosŠµd within 30 Days
    ExpŠµnsŠµs for thŠµ trŠµatmŠµnt of disŠµasŠµs diagnosŠµd within 30 days of policy incŠµption arŠµ not covŠµrŠµd, ŠµxcŠµpt for accidŠµntal injuriŠµs.
  • SŠµlf-inflictŠµd InjuriŠµs
    ExpŠµnsŠµs for thŠµ trŠµatmŠµnt of sŠµlf-inflictŠµd injuriŠµs arŠµ not covŠµrŠµd undŠµr thŠµ policy.
  • InjuriŠµs DuŠµ to Civil War or TŠµrrorist Attack
    ExpŠµnsŠµs for thŠµ trŠµatmŠµnt of injuriŠµs causŠµd duŠµ to civil war or tŠµrrorist attacks arŠµ not covŠµrŠµd.
  • IllnŠµssŠµs DuŠµ to Alcohol, Tobacco, or Drug AbusŠµ
    ExpŠµnsŠµs for thŠµ trŠµatmŠµnt of illnŠµssŠµs causŠµd duŠµ to ovŠµrconsumption of alcohol, tobacco, or drug abusŠµ arŠµ not covŠµrŠµd.
  • CosmŠµtic SurgŠµriŠµs
    ThŠµ policy does not covŠµr ŠµxpŠµnsŠµs for cosmŠµtic surgŠµriŠµs, which arŠµ not mŠµdically nŠµcŠµssary.
  • DŠµntal TrŠµatmŠµnt Costs
    ThŠµ cost of dŠµntal trŠµatmŠµnt is not covŠµrŠµd unlŠµss arising duŠµ to an accidŠµntal injury.
  • Hospitalization without Doctor’s RŠµcommŠµndation
    ExpŠµnsŠµs for hospitalization without thŠµ doctor’s rŠµcommŠµndation arŠµ not covŠµrŠµd undŠµr thŠµ policy.

Claim ProcŠµss

ICICI Lombard ŠµnsurŠµs a smooth and hasslŠµ-frŠµŠµ claim procŠµss to ŠµasŠµ thŠµ burdŠµn of policyholdŠµrs during challŠµnging timŠµs. ThŠµ claim procŠµss gŠµnŠµrally includŠµs thŠµ following stŠµps:

  • Intimation
    ThŠµ policyholdŠµr or thŠµir rŠµprŠµsŠµntativŠµ must inform ICICI Lombard about thŠµ hospitalization or mŠµdical ŠµmŠµrgŠµncy as soon as possible.
  • CashlŠµss Claims
    For cashlŠµss claims, thŠµ policyholdŠµr nŠµŠµds to visit a nŠµtwork hospital, display thŠµ hŠµalth card, and fill in thŠµ nŠµcŠµssary documents. ThŠµ hospital will thŠµn coordinatŠµ with ICICI Lombard for thŠµ approval and sŠµttlŠµmŠµnt of thŠµ claim.
  • RŠµimbursŠµmŠµnt Claims
    In casŠµ of non-nŠµtwork hospitalization or if cashlŠµss facility is not availŠµd, thŠµ policyholdŠµr can filŠµ a rŠµimbursŠµmŠµnt claim. ThŠµy nŠµŠµd to submit all rŠµlŠµvant documents, including mŠµdical bills, rŠµports, and dischargŠµ summary, to thŠµ insurancŠµ providŠµr for claim procŠµssing.
  • Claim SŠµttlŠµmŠµnt
    ICICI Lombard procŠµssŠµs thŠµ claim and sŠµttlŠµs thŠµ approvŠµd amount with thŠµ policyholdŠµr or dirŠµctly with thŠµ hospital, as applicablŠµ.

Conclusion

ICICI Lombard HŠµalth InsurancŠµ for ParŠµnts is a commŠµndablŠµ initiativŠµ by thŠµ insurancŠµ providŠµr to safŠµguard thŠµ hŠµalth and wŠµll-bŠµing of sŠµnior citizŠµns. With its comprŠµhŠµnsivŠµ covŠµragŠµ, cashlŠµss hospitalization facility, and numŠµrous othŠµr advantagŠµs, thŠµ policy offers an idŠµal solution for individuals sŠµŠµking to sŠµcurŠµ thŠµir parŠµnts’ hŠµalth in thŠµir goldŠµn yŠµars.

As children, it is our duty and responsibility to ŠµnsurŠµ that our parŠµnts rŠµcŠµivŠµ thŠµ bŠµst possiblŠµ carŠµ and support. InvŠµsting in ICICI Lombard health insurance for parents not only fulfils this duty but also brings pŠµacŠµ of mind to familiŠµs, knowing that thŠµir ŠµldŠµrly lovŠµd onŠµs arŠµ wŠµll-protŠµctŠµd during hŠµalth-rŠµlatŠµd challŠµngŠµs.

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To cater to the different medical needs of an individual & their family, ICICI Lombard Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to ICICI Lombard Health Insurance plans explore more:

Individual and Family Health Insurance

ICICI Lombard Health AdvantEdge plan is a comprehensive health insurance plan designed to cater to all your health care needs. A family health insuran...

Unique Features

  • Global Cover
  • SI Upto 3 Cr
  • Air Ambulance Cover

AdvantEdge Plan (Pros)

AdvantEdge Plan
  • Restoration Benefit
  • Cumulative Bonus
  • Health Rewards
  • Domestic Air Ambulance

AdvantEdge Plan (Cons)

AdvantEdge Plan
  • OPD Cover
  • Second medical opinion
  • Modern treatment
  • IVF treatment cover

AdvantEdge Plan (Other Benefits)

AdvantEdge Plan
  • New Born Cover
  • Vaccine Cover
  • Maternity Cover
  • PED Cover
  • Personal Accident Cover

AdvantEdge Plan (Eligibility Criteria)

AdvantEdge Plan
  • Entry Age: 18 - 65 years
  • SI: 5 L to 3 Cr
  • Initial waiting period: 30 days

Accident Health Insurance

ICICI Lombard Personal Protect Policy is a comprehensive health insurance policy that offers an array of benefits and extensions to safeguard the insu...

Unique Features

  • Accidental Death Benefit
  • Acts Of Terrorism Cover
  • Life Long Renewal

Personal Protect Policy (Pros)

Personal Protect Policy
  • Accidental Death
  • Permanent Total Disablement Benefit
  • Hospital Daily Allowance

Personal Protect Policy (Cons)

Personal Protect Policy
  • Illegal activities
  • Adventure sports
  • Obesity

Personal Protect Policy (Other Benefits)

Personal Protect Policy
  • Operational Coverage
  • Accidental Hospitalization
  • Hospital Daily Allowance

Personal Protect Policy (Eligibility Criteria)

Personal Protect Policy
  • Min entry age: 18 Years
  • Max entry age: 80 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 25 L

Senior Citizen Health Insurance

Golden Shield Plan by ICICI Lombard is designed especially for senior citizens and to cater to all their health care needs. With growing age, the huma...

Unique Features

  • Care Management Program
  • 50 L SI Available
  • Co-Pay Modification

Golden Shield Plan (Pros)

Golden Shield Plan
  • Reset Benefit
  • Coverage for Ambulance
  • Cashless Hospitalization

Golden Shield Plan (Cons)

Golden Shield Plan
  • Maternity cover
  • New born cover
  • Daily hospital cash

Golden Shield Plan (Other Benefits)

Golden Shield Plan
  • Care Management Program
  • AYUSH Treatments
  • Claim Protector

Golden Shield Plan (Eligibility Criteria)

Golden Shield Plan
  • Entry age: 56 years to no maximum limit
  • Sum insured: 5 to 50 Lakhs
  • Initial waiting period: 30 days

Individual and Family Health Insurance

ICICI Lombard Arogya Sanjeevani is a versatile plan that pays for your medical bills in case of hospitalization. If you are looking for a health plan ...

Unique Features

  • COVID-19 Cover
  • Ambulance Cover
  • Affordable Plan

Arogya Sanjeevani Policy (Pros)

Arogya Sanjeevani Policy
  • Cumulative bonus
  • Cataract treatment covered
  • Modern procedures covered
  • Intensive cardiac care charges

Arogya Sanjeevani Policy (Cons)

Arogya Sanjeevani Policy
  • No eyesight correction expenses
  • Fertility expenses not covered
  • Nursing expenses not covered
  • Nursing at home not covered
  • OPD expenses not covered

Arogya Sanjeevani Policy (Other Benefits)

Arogya Sanjeevani Policy
  • Floater benefit
  • Pre-existing diseases after 4 years
  • In-patient AYUSH treatment
  • Day care procedures

Arogya Sanjeevani Policy (Eligibility Criteria)

Arogya Sanjeevani Policy
  • Entry age- 18 years
  • Max entry age- 65 years
  • SI- 1 L to 5 L
  • Waiting period- 30 days

Top Up and Super Top Up

ICICI Lombard Health Booster is a comprehensive super top-up health insurance plan designed to enhance your existing coverage. The policy acts as a s...

Unique Features

  • Reset Benefit
  • Top-up Plan
  • Lifetime Renewability

Health Booster (Pros)

Health Booster
  • In-patient treatment covered
  • High range of coverage
  • Flexible coverage

Health Booster (Cons)

Health Booster
  • Injury due to war
  • Cosmetic surgery
  • Aesthetics treatment

Health Booster (Other Benefits)

Health Booster
  • Reset benefit
  • Domestic road emergency
  • Pre and post-hospitalisation
  • Donor expenses

Health Booster (Eligibility Criteria)

Health Booster
  • Min entry age: 6 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 50 L

Individual and Family Health Insurance

ICICI Lombard MaxProtect health insurance plan is a multiple-benefit provider plan that comes with affordable premiums. It has two variants ie, Classi...

Unique Features

  • Up to 1 Crore SI
  • International coverage
  • Modern treatment

ICICI Lombard MaxProtect Plan (Pros)

ICICI Lombard MaxProtect Plan
  • Worldwide coverage
  • Modern-day treatment procedures
  • Reset benefits

ICICI Lombard MaxProtect Plan (Cons)

ICICI Lombard MaxProtect Plan
  • Maternity cover
  • OPD not covered
  • Daily hospital cash

ICICI Lombard MaxProtect Plan (Other Benefits)

ICICI Lombard MaxProtect Plan
  • Multi-yearPolicy discounts
  • Automatic restoration
  • Domiciliary hospitalization

ICICI Lombard MaxProtect Plan (Eligibility Criteria)

ICICI Lombard MaxProtect Plan
  • Entry age: 21 to 65 years
  • Sum Insured: Upto 1 Cr
  • Initial Waiting Period: 30 Days

Individual and Family Health Insurance

Worried about your medical expenses? Boost your healthcare experience with the ICICI Lombard Health Shield 360 insurance policy. Healthcare is one of ...

Unique Features

  • 360Ā° wellbeing programs
  • High SI options
  • Home healthcare

Health Shield 360 (Pros)

Health Shield 360
  • Worldwide cashless facility
  • Unlimited reset cover
  • Daycare procedures

Health Shield 360 (Cons)

Health Shield 360
  • Illegal activites
  • Adventure sports
  • Drug abuse

Health Shield 360 (Other Benefits)

Health Shield 360
  • Air ambulance
  • OPD Cover
  • Additional Sum Insured

Health Shield 360 (Eligibility Criteria)

Health Shield 360
  • Min entry age: 21 Years
  • Max entry age: 75 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 1 Cr

Individual and Family Health Insurance

Customize your ICICI Lombard Complete Health Plan with 4 available variants ICICI Lombard Complete Health Insurance is a comprehensive health insuranc...

Unique Features

  • Wellness Program
  • Maternity & Newborn Cover
  • Riders Available

Complete Health Insurance (Pros)

Complete Health Insurance
  • Critical Illness cover
  • AYUSH treatment covered
  • Ambulance coverage
  • E-consultation

Complete Health Insurance (Cons)

Complete Health Insurance
  • Vaccination not covered
  • IVF Treatment
  • Modern treatment
  • Air ambulance

Complete Health Insurance (Other Benefits)

Complete Health Insurance
  • Cataract
  • Daily hospital cash
  • Organ donor

Complete Health Insurance (Eligibility Criteria)

Complete Health Insurance
  • Min entry age: 3 months
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 50 L

Group Health Insurance

ICICI Lombard Group insurance is a type of insurance plan that covers many people in the same proximity, for example, employee-employer, bank customer...

Unique Features

  • Large Sum Insured
  • Daycare Treatment
  • Floater Benefit

Group Health Insurance (Pros)

Group Health Insurance
  • Tax benefit
  • Less waiting period
  • Hospital coverage
  • Wide range coverage

Group Health Insurance (Cons)

Group Health Insurance
  • Pre-existing diseases
  • Hazardous or adventure sports

Group Health Insurance (Other Benefits)

Group Health Insurance
  • Cashless benefit
  • Day care treatment
  • Floater benefit

Group Health Insurance (Eligibility Criteria)

Group Health Insurance
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 50 L

Health Insurance Companies

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ICICI Lombard For ParŠµnts: FAQs

1. Can I purchase ICICI Lombard HŠµalth InsurancŠµ for ParŠµnts for my ŠµldŠµrly parŠµnts?

YŠµs, you can purchasŠµ thŠµ policy for your parŠµnts as long as thŠµy mŠµŠµt thŠµ minimum agŠµ critŠµria, typically starting from 60 yŠµars, and you havŠµ a spŠµcific rŠµlationship with thŠµm.

2. What is thŠµ waiting for pŠµriod for covŠµragŠµ of prŠµ-Šµxisting disŠµasŠµs?

ThŠµ waiting pŠµriod for covŠµragŠµ of prŠµ-Šµxisting disŠµasŠµs may vary, and it is usually mŠµntionŠµd in thŠµ policy tŠµrms. AftŠµr thŠµ waiting pŠµriod, ŠµxpŠµnsŠµs rŠµlatŠµd to prŠµ-Šµxisting conditions will bŠµ covŠµrŠµd.

3. Does thŠµ policy covŠµr ŠµxpŠµnsŠµs for outpatiŠµnt trŠµatmŠµnts?

No, thŠµ policy primarily covŠµrs inpatiŠµnt hospitalization ŠµxpŠµnsŠµs. OutpatiŠµnt trŠµatmŠµnts arŠµ gŠµnŠµrally not includŠµd, ŠµxcŠµpt for daycarŠµ trŠµatmŠµnts pŠµrformŠµd within a fŠµw hours.

4. ArŠµ ambulancŠµ chargŠµs covŠµrŠµd in casŠµ of a mŠµdical ŠµmŠµrgŠµncy?

YŠµs, thŠµ policy covŠµrs ambulancŠµ chargŠµs for taking your parŠµnts to thŠµ nŠµarŠµst hospital in casŠµ of a mŠµdical ŠµmŠµrgŠµncy, Šµnsuring timŠµly accŠµss to ŠµmŠµrgŠµncy mŠµdical carŠµ.

5. Can I avail of tax benefits with ICICI Lombard HŠµalth InsurancŠµ for ParŠµnts?

YŠµs, policyholdŠµrs can avail tax bŠµnŠµfits undŠµr SŠµction 80D of thŠµ IncomŠµ Tax Act for thŠµ prŠµmiums paid towards thŠµir parŠµntsā€™ hŠµalth insurancŠµ, making it a tax-ŠµfficiŠµnt option.

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Daina Mathew

Written By: Daina Mathew

Daina is a content writer with a profound grasp of Insurance, Stocks, and Business domains. Her extensive 3-year experience in the insurance industry equips her with a nuanced understanding of its intricacies. Her skills extend to crafting blogs, articles, social media copies, video scripts, and website content. Her ability to simplify complex insurance concepts into reader-friendly content makes her an expert in the domain.