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ICICI Lombard Group insurance is a type of insurance plan that covers many people in the same proximity, for example, employee-employer, bank customers, and office or society members. Irrespective of their age, gender, occupation or socio-economic status, these plans provide the same extent of insurance coverage to all members of a group. Companies often provide group health insurance coverage to their employees and their dependents, offering monetary security.
The ICICI Lombard Group Health Insurance plan provides health insurance coverage to a group of people with common features or attributes. ICICI Lombard is one of the top health insurance companies in India. With over 6,700+ network hospitals and a claim settlement ratio of 97.07%, it is considered a trustworthy company. Their group health insurance plan is an all-inclusive plan with many additional benefits. Let's look at the plan specifications.
| PLAN DETAILS |
Icici Lombard Group Plan |
Zuno Saral Suraksha Bima Health Insurance |
| Product Type | Group Health Insurance | Accident Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Not covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Not covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Not covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Not covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Not covered |
| Hospital_network (Number of Hospital Network in city) |
10600 | 10000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Not covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | Not covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Not covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Not covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Not applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Applicable | Not applicable |
| Plan Entry Age | Min- 180 days, Max- 95 years | 18 years to 70 years |
| Plan Premium Entry Age and S/A | 1300 | 1,600 |
| Plan Waiting Period | 30 | 00 |
| Plan Coverage | Hospitalization expenses, pre and post hospitalization, daycare treatments, maternity add-on, diagnostic and surgical costs | Accidental death cover, total disability cover, partial disability cover, hospitalization expenses (add-on) |
| Plan Sample Premium | 1300 | 1,600 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1 year |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Not covered |
| Cataract | Covered | Not covered |
| Automatic Restoration | Covered | Not covered |
| Ayush Treatment | Covered | Not covered |
| Modern Treatment | Covered | Not covered |
| E Consultation | Covered | Not covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Not Covered | Covered |
| Claim Ratio | 97.16 | 98.54 |
| Solvency Ratio | 2.69 | 1.97 |
|
ICICI Lombard Health Insurance Review |
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