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ICICI Lombard Health Insurance Top-up Plans
Individuals can opt for ICICI Lombard Super Top-Up health insurance plans if their basic health plan's sum insured is exhausted. There are numerous reasons to buy an additional ICICI Lombard Super Top-Up plan, including lower premiums, added security, and protection for your hard-earned savings. Top-up plans serve as a backup to your basic health insurance in an emergency, but they can also be purchased as a standalone health insurance plan. Many people buy additional health insurance on top of their employer-provided health insurance because a basic health insurance plan does not always meet their medical care needs and may be insufficient.
ICICI Lombard Super Top-Up health insurance plans provide a variety of sum insured options as well as flexible deductibles. Furthermore, ICICI Lombard Super Top-Up plans offer numerous discounts and effective medical care through a vast network of over 6700+ cashless network hospitals with a claim service guarantee.
Key Benefits of ICICI Lombard Super Top-Up Plan
ICICI Lombard Super Top-Up health insurance plan offers a multitude of benefits to its policyholders:
- Tax Benefits
ICICI Lombard Super Top-Up Plan is eligible for tax deductions under Section 80D of the Income Tax Act, 1961. The premiums paid for the plan will be eligible for these deductions. - Reset Benefit
For deductibles of INR 3 lakh and above, ICICI Lombard Super Top-Up health insurance provides a reset benefit. When the sum insured is insufficient, the Reset Benefit kicks in, and this benefit can only be used once per policy year. - Wellness Program
ICICI Lombard Super Top-Up plan provides a wellness program to encourage customers to take care of their health and live healthy lifestyles. This feature is designed to provide health rewards and wellness benefits. - Additional Benefits
ICICI Lombard Super Top-Up Plan provides multiple additional benefits in addition to the base coverage. Individuals can enhance their base coverage with add-ons available at an additional premium. The various add-ons include hospital cash benefits, personal accident cover, critical illness cover, and more. - Family Floater Benefit
As the name suggests, the ICICI Lombard Super Top-Up Plan covers your entire family under a single plan. You can cover 2 adults and 3 children in a single policy. Policyholders can cover spouses, dependent children, brothers, sisters, dependent parents, grandparents, grandchildren, mother-in-law, father-in-law, son-in-law, daughter-in-law, dependent brother-in-law, and dependent sister-in-law.
ICICI Lombard Super Top-Up Plan Eligibility Criteria
- Entry Age (Minimum): 91 Days
- Adult Entry Age (Minimum): 18 Years
- Adult Entry Age (Maximum): No limit
- Policy Term: 1/2/3 Years
- Plan Type: Individual/Family Floater
- Sum Insured: ₹5 Lakh to ₹50 Lakh
- Initial Waiting Period: 30 Days
ICICI Lombard Super Top-Up Plan Inclusions
The various inclusions under the ICICI Lombard Super Top-Up Plan are:
- In-Patient Hospitalization
- Pre-Hospitalization Medical Expenses
- Post Hospitalization Medical Expenses
- Day Care Treatment
- Pre-existing Diseases
- Critical Illness
- Hospital Cash Benefit
ICICI Lombard Super Top-Up Plan Exclusions
The various exclusions under the ICICI Lombard Super Top-Up Plan are:
- Infertility, congenital external defects
- Maternity Expenses
- Any hospitalization primarily for investigation/diagnostic purposes
- Alternative Treatments (Non-Allopathic treatments)
- Pregnancy or childbirth complications
- HIV infection/AIDS
- Cosmetic or sex-change treatment/surgery
- Alcohol consumption, smoking, other tobacco intake, or drug abuse
- Intentional self-injury, suicide, or attempted suicide
- Any breach of law or participation in an actual or attempted felony, riot, crime, misdemeanor, or civil commotion
- War, terrorism, or nuclear weapons related incidents
