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 dependants. You and your dependants are automatically enrolled in this policy.
Plan at a glance
| Benefit | Coverage |
|---|---|
| Sum Insured | Base cover of INR 5,00,000 per family per year In case of a medical emergency, additional support of up to INR 7,50,000 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 hospitalisation benefit including nursing care at home up to INR 50,000 per family |
| Maternity care | INR 1,00,000 for normal delivery and INR 1,25,000 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 lenses is covered under vision sub-limit. |
| Ambulance service | Intensity ambulance service up to INR 10,000 and air ambulance up to INR 1,00,000 per person, up to three events per policy period |
| IVF/infertility treatment | Covered up to INR 2,00,000 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 enrol 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.
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, anaesthesia, and oxygen
- Robotic surgery
- Oral chemotherapy
- Ailment coverage (no cap)
Exclusions
- Sterilisation
- 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 hospitalClaims process
Provider contact information
ICICI Lombard Health Care
ICICI Bank Tower (claims)
Plot No. 12 Financial District
Nanakram Guda, Gachibowli, Hyderabad, Andhra Pradesh, 500032