Overview
:
ICICI Lombard, for the first time in India, introduces
a 10K Tax Saver Health Insurance plan -- a fixed premium floater
health plan, which is designed to give you a maximum tax benefit
for health insurance under section 80 D, so that the effective
cost of Rs.10, 000 health cover is Rs. 6634* only
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Exclusions |
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Know
the facts which are not covered under this policy.
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FAQ's |
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Frequently
Asked Questions about this Policy.
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How to
Buy |
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Call us,
we will help you in selecting the right insurer according
to your needs or buy this product directly from our web site
by clicking the link below.
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Price
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How
does it work:
The premium payable under this plan is fixed at Rs.10,000
(which is the maximum deduction available under section 80 D) and
the amount of coverage changes depending on the age and the number
of members covered. This amount is fully deducted while computing
your taxable income. Hence, you save Rs.3366* on your health insurance
and the effective cost is Rs.6634* only.
* For
highest income tax slab of 33.66% (including 10% surcharge for income
above Rs. 8.50 Lakh and education cess @ 2%).
Policy
Coverage:
The
policy covers medical expenses:
-
Incurred as an inpatient during hospitalisation for more than
24 hours, including room charges, doctor’s / surgeon’s fee, medicines,
etc. -
30 days prior to hospitalisation.
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60 days post hospitalisation.
- Pre-existing
disease can be covered after the 4th year provided the policy
is renewed with us for four consecutive years.
- Technologically
advanced treatment that do not need 24-hour hospitalisation but
are covered under the health insurance are:-
Dialysis
Chemotherapy
Radiotherapy
Eye Surgery
Kidney Stone Removal
Cardiac Catheterization
Tonsillectomy
Hydrocele Surgery
Hernia Surgery
Dilatation & Curettage
Other surgeries requiring less than 24 hours due to advancement
in technology.
Eligibility:
-
The enrolment age (of the senior most family member)
should be between 19 years to 60 years.
- Other
members in the plan can be less than 19 years of age (i.e. up
to 91 days).
- The
policy cover is renewable till the age of 75 years.
- The
customer can buy the policy only for his family (defined as self,
spouse, dependent children and dependent parents for the purpose
of income tax exemption u/s Sec. 80D) as a proposer and exclude
himself from the plan.
Benefits
:
The Family Floater Health Plan Advantage:
One
Policy – One Premium for the entire family. The floater health
plan covers your entire family under one policy with one sum insured
and one premium. This takes care of hospitalisation expenses in
case of a sudden illness, accident or planned surgery of the entire
family.
Additional
Benefits:
Double
Benefit:
A benefit of Rs.10,000/- is paid, if more than
one member of the family (covered under one policy) are simultaneously
hospitalised for a period of 5 consecutive days or more.
Convalescence
Benefit :
A benefit of Rs.10,000/- is paid, if the period
of hospitalisation is 10 consecutive days or more. This benefit
is paid once in a year.

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