Complete health insurance policy (individual) from icici lombard
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Complete health insurance policy (individual) from icici lombard

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This presentation explains about the various features and benefits of availing Individual health insurance policy (for self and family) from ICICI Lombard.

This presentation explains about the various features and benefits of availing Individual health insurance policy (for self and family) from ICICI Lombard.

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    Complete health insurance policy (individual) from icici lombard Complete health insurance policy (individual) from icici lombard Presentation Transcript

    • Personal Health Insurance from ICICI Lombard Call +91 9900113820 for more information
    • Who said I need health Insurance? I don’t fall sick!! Why should I take an Health Insurance??
    • Why Health Insurance? Health insurance is needed more now than ever before because of - Skyrocketing medical costs Need for routine medical check ups and care Expensive trips to specialist doctors Possibility of hospitalization and treatment
    • Benefits of Health Insurance from ICICI Lombard Day care surgeries / treatments covered Free yearly medical checkup coupons for up to 2 people Optional Maternity cover available Cashless Treatment at Specialty Hospitals Pre-existing disease covered (after 2 years) Outpatient treatment covered
    • Scope/ Coverage What illness will you be covered for ?? And what will you not be covered !
    • Scope of cover  Disease/ Injury    Treated medically/ surgically By Hospitalisation/ Domiciliary hospitalisation At Nursing home/ hospital in India as in-patient  Pre hospitalisation   Post hospitalisation   Age limit  90 days – 80 years Relevant medical expenses 30 days prior to hospitalisation Relevant medical expenses 60 days after hospitalisation
    • Compensation payable  Reasonable and necessarily incurred    Room expenses in hospital/ nursing home Nursing expenses Medical practitioner fee  Treatment cost       Medicines/ diagnostic cost Blood/ oxygen Cost of pacemaker Operation theatre charges Surgical appliances Dialysis, chemotherapy, radiotherapy
    • Compensation payable contd.…     Pre and post hospitalisation expenses Max of SI Surgical operation Manual operative procedure for  Deformity  Defect correction  Diagnosis cure  Prolongation of life
    • Hospitalisation   Min period of 24 hrs Time limit not applicable for specific treatment      Dialysis Chemotherapy Tonsillectomy Day Care Cataract
    • Pre & post hospitalisation  Pre hospitalisation   Post hospitalisation   Relevant medical expenses 30 days prior to hospitalisation Relevant medical expenses 60 days after hospitalisation Any one illness  Continuous Period of Illness  Relapse within 45 days of the earlier treatment
    • Domiciliary hospitalization    Treatment exceeding 3 days at Residence  Serious condition of patient does not allow removal to hospital  Lack of accommodation in nursing home Pre / post hospitalisation expenses not covered Specified diseases excluded Asthma/ Diabetes/ Dysentery/ Hypertension/ Flu/ Epilepsy/ Arthritis
    • My No Service Areas.. Ok.. Lot of things are covered…Is there anything left that we don’t cover???
    • First year exclusions Cataract Benign prostratic hypertrophy Hysterectomy for menonhargia or fibromyoma Hernia/ hydrocele Congenital internal disease Fistula in anus/ piles Sinusitis & related disorder
    • General exclusions         War/ war group Nuclear perils Plastic surgery Spectacles/ contact lens/ hearing aid Dental treatment Convalescence/ general debility Sterility/ venereal disease / circumcision Intentional self injury
    • General exclusions contd.…  Use of intoxicating drugs/ alcohol  Aids  Diagnostic/ laboratory expenses not consistent with treatment  Vitamins/ tonic inconsistent with treatment  Pregnancy  Naturopathy
    • Mediclaim…No Money What if you have an emergency. Can we provide service without cash??
    • Cashless mediclaim  Claim handled by both ICICI Lombard Health care & Outside TPA depending upon Client  Planned treatment in notified hospital  Inform TPA & get treatment post approval  Cashless / Hassle free claims settlement  Emergency – What to do???  Give TPA membership no  Intimate TPA & approval  Cashless / Hassle free claims settlement
    • Reimbursement Process of Reimbursement and claims is giving me Nausea.. I think I am sick..
    • Reimbursement – mediclaim  Planned / Emergency treatment in non-notified hospital  Notice to TPA & approved  Submit  Duly completed claim form  Bills, receipts and discharge certificate/card from the Hospital  Bills from Chemists supported by proper prescription.  Test reports and payment receipts  Settlement within a week on complete submission
    • Thank you Call +91 9900113820 for more information