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