ICICI Lombard Health Care medical plan

What you need to know

ICICI Lombard Health Care administers the medical insurance policy, which is 100% company paid. This means you pay nothing for medical insurance for you or your dependents. You and your dependents are automatically enrolled in this policy.

Plan at a glance

Benefit Coverage
Sum Insured Base cover of INR 500,000 per family per year

In case of a medical emergency additional support of up to INR 750,000 per family per year can be requested via Corporate Buffer by reaching out to Employee Central.
Voluntary Top-Up Cover

Employees have flexibility to purchase an annual top-up cover of INR 2.5L, INR 5L or INR 10L by electing to pay an additional premium.

The top-up cover would provide supplementary support, which would be in addition to the annual base cover of INR 5L and the corporate buffer of INR 7.5L, an overall annual cover of INR 12.5L (5L+7.5L) provided by PayPal to all employees, per family.

Pre- and Post-hospitalisation Up to 30 and 60 days respectively
Intensive care unit with nursing staff (charges) On actuals
Room rent (including charges for nursing staff) Single, private, air-conditioned, with a cap of INR 12,000 per day on the room rent
Home nursing (with doctor's prescription) Domiciliary hospitalization benefit including nursing care at home up to INR 50,000 per family
Maternity care INR 100,000 for normal delivery and INR 125,000 for a C-section for first 2 deliveries. Includes pre- and post-natal expenses. Same cover applies for surrogacy.
Newborn day one Newborn child is covered from day one and can be added to your policy within 30 days of birth date
OPD treatment Employees, their spouse, and children are covered up to INR 30,000 with the following limits: INR 6,000 consultation, INR 9,000 diagnostics, and INR 15,000 dental, vision, and mobility aids. Cost of spectacles/contact lens is covered under vision sub-limit.
Ambulance service Intensity ambulance service up to INR 10,000 and air ambulance up to INR 100,000 per person, up to three events per policy period
IVF/infertility treatment Covered up to INR 200,000 on OPD/IPD basis
Flu vaccination Up to INR 3,000 per family
AYUSH INR 75,000 per family payable on a reimbursement basis
Copayment for parents or parents-in-law No copayment
Same sex partner Employees can enroll a same sex partner under the medical insurance plan
Gender reassignment surgery Covered up to the base sum insured, i.e. INR 5,00,000

See the Insurance Benefits Manual on the Bridge for more details.

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Extensive coverage

The medical plan provides coverage for pre- and post-hospitalisation and comprehensive benefits for day-to-day medical and maternity expenses.

  • Pre-existing conditions covered
  • Internal and external congenital diseases
  • Hospital miscellaneous services (X-rays, laboratory work, diagnostic tests)
  • Surgical fees, operating theatre, anesthesia, and oxygen
  • Robotic surgery
  • Oral chemotherapy
  • Ailment coverage (no cap)

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Exclusions

  • Sterilization
  • Septoplasty
  • Trial or experimental treatments
  • Administrative, registration, service, and other miscellaneous charges
  • Prosthesis-fitting expenses
  • Any device, instrument, or machine contributing to or replacing an organ 
  • Holter monitoring

ICICI Lombard Health Care's network includes more than 3,200 hospitals.

Find a network hospital

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Provider contact information

ICICI Bank Tower (claims)

Plot No. 12 Financial District
Nanakram Guda, Gachibowli, Hyderabad, Andhra Pradesh, 500032