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Updated on Jul 10, 2025 6 min read
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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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.
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.
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