The cover ceases to exist from the date of cancellation of policy and the premium will be refunded to you on short period cancellation rates, which are elaborated in your policy wordings.

No, there is no limit to the number of claims for hospitalization and its pre and post expenses as long as the coverage amount has not been exhausted.

Yes, it is possible. You would be the primary applicant, but you would not be one of the insureds

All you need to carry for Cashless Hospitalization is your Health ID Card, a photo Identity proof (like Passport, Voter ID etc)

The Floater limit reduces to the extent of the claim every time a claim is made by any of the family members covered under the floater. However, the next year the limit is restored back to its original value.

Yes, you can get hospitalized in any town in India. Cashless service is available pan India in all the network hospitals of the insurer. The list of hospital network is provided alongwith the policy. For all hospitals which are not in the network list you will have to pay first and then seek a reimbursement from the insurer

Your hospitalization expenses will be covered as long as the event that triggered your hospitalization occurred during the policy period.

Yes , you can renew the same up to the age of 80 yrs depending upon the insurer you have chosen.

Insurers offer either a no claim or a no claim bonus in the form of enhanced Sum Insured

Any health insurance policy has a 30 day waiting period starting from the policy start date, when any hospitalization charges would not be settled. However, this is not applicable to any emergency occurring due to an accident. As long as the insured has been admitted for 24 hours, the claim will be settled in case of an accident, as there is no waiting period clause.
Insurers also apply a waiting period of 1 – 2 years for certain old age diseases like cataract, hysterectomy, hernia etc. These diseases are specified in the policy given by the insurer.

A pre-existing disease is any disease that you or your family member is already suffering from at the time of applying for the policy for the first time e.g. Hypertension, Diabetes.

Most insurers cover pre-existing diseases from 5th renewal onwards if you continuously renew the policy with the same insurer.

Treatment received at home is covered only if the condition of the patient is such that moving the patient to the hospital is not medically advised or the hospital refuses admission citing unavailability of beds. However ICICI Lombard does not cover any treatment at home under any circumstances.

Insurers cover all advanced technological surgeries such as kidney stone removal, catheterization, chemotherapy etc. under day care treatment and do not insist on 24 hours hospitalization in case of these procedures. The list of such procedures is mentioned in the policy issued by the insurer.

Individuals and family members who are more than a certain age are required to submit medical tests before the policy is accepted by the insurer. The following table provides more information:

You will have to pay the cost for the tests taken to initiate or continue your coverage

Your employer will cover your medical expenses only as long as you are in his services. Tomorrow, you may change you job, retire, or even start something on your own – in all such cases you and your family will be stranded if a medical emergency arises and you have not arranged for an alternate health insurance policy.

Since the premiums increase as the age increases, it might be a better idea to commence the cover right now.

Any of the immediate family members can be covered under a health insurance policy with ICICI Lombard. i.e. Spouse, Dependent father and mother, son and daughter, brother and sister (upto a certain age) of the primary applicant.