Icici Lombard Health Advantedge Plan
vs
Premium Personal Guard
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Icici Lombard Health Advantedge Plan |
 Premium Personal Guard |
| Premium Including GST | ||
| Product Type | Individual and Family 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.) |
Not Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Not 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) |
10800 | 18400 |
| 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 | Not 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) |
Not Covered | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Not Applicable |
| Plan Entry Age | 18 - 65 years | 18 to 65 Years |
| Plan Premium Entry Age and S/A | 7,433 | 1300 |
| Plan Waiting Period | 30 | N/A |
| Plan Coverage | Individual/ Family Floater | - |
| Plan Sample Premium | 7,433 | 1300 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 Years | 1 Year |
| ICU Charges | Covered | Not Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Not Covered |
| Ayush Treatment | Covered | Not Covered |
| Modern Treatment | Not Covered | Not Covered |
| E Consultation | Covered | Not Covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Covered | Not Covered |
| Claim Ratio | 98.53 | 93.54 |
| Solvency Ratio | 2.5 | 3.6 |
ICICI Lombard Health AdvantEdge plan is a comprehensive health insurance plan designed to cater to all your health care needs. A family health insurance that secures your loved ones with a multitude of features including:
The policy provides a wide range of sum insured options and provides an additional cover against 20 critical illnesses including cancer. These add-ons also include maternity insurance for both the mother and the newborn baby is available for individuals who opt for a Sum Insured above 5 Lakhs. The policy offers all-around health care with value-added services like wellness programs through which policyholders can benefit by adapting to healthy habits.
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