ICICI Lombard’s complete health insurance introduces unique benefits like sum insured protector, claim protector 

Chandigarh: ICICI Lombard, India’s leading private sector non-life insurance company, today launched its ICICI Lombard Complete Health Insurance offering with new health plans and benefits. The plans – Health Shield, Health Shield Plus, Health Elite and Health Elite Plus, are loaded with the latest features and comprehensive coverage to provide enhanced protection to customers. Some of the newly introduced coverage benefits include donor expenses, domiciliary hospitalization, emergency assistance, worldwide cover, unlimited reset, air ambulance, super no claim bonus, sum insured protector and claim protector, cashless OPD services, among others. With this, ICICI Lombard is redefining the health insurance space introducing benefits that are aligned to the new normal and hence contextual to today’s needs of customers. 

With Covid-19, there is a heightened awareness among consumers to avail the security of health insurance. Customer mindset is shifting from perceiving health insurance as an expense to considering it as an important investment. Further, their needs are rapidly evolving as contactless servicing, social distancing and digital solutions become the order of the day. Recognizing these trends, ICICI Lombard has included contemporary benefits in its comprehensive health insurance offering to help its customers restart right in the new normal.

Apart from addressing the daily health needs such as in-patient hospitalization, day care procedures and treatment, the new plans offer among the widest cover with various exclusive and ‘first of its kind’ features. Some of these include claim protector, unlimited reset benefit, ASI protector, domiciliary hospitalization, and worldwide coverage, among others. The Claim protector benefit will pay for the list of non-payable items as well. With the Unlimited reset benefit, policyholders can reset up to 100% of the base sum insured unlimited times in a policy year for an un-related ailment. The Sum Insured Protector feature increases the sum insured every year as per the prevailing inflation rates thereby ensuring that customers are adequately covered due to rising prices.

On the introduction of the new health plans, Sanjeev Mantri, Executive Director, ICICI Lombard General Insurance said, “At ICICI Lombard, we strive to introduce contextual and timely benefits for our customers in sync with the changing times. This is aligned to our brand ethos of ‘Nibhaye Vaade’, wherein our endeavour is to keep fulfilling our promise to our customers. The new plans introduced in our ICICI Lombard Complete Health Insurance solutions are designed to cover customer needs across prevention, consultation, hospitalization thereby providing holistic cover. The policy offers this 3600 cover for the individual and family members.” 

The new plans introduced will enable customers to avail a host of value-added services such as free annual health check-up, online chat with doctors, e-opinion, dietician, and nutrition e-consultation, among others. One can even connect with a qualified doctor 24*7, 365 days, from anywhere and get their medical needs addressed immediately. The prescription provided by the doctor can be used to order medicines online.

ICICI Lombard intends to make health insurance an attractive proposition by helping customers upgrade their protection with additional covers. These health plans are among the most comprehensive services offered in the industry. One can avail both planned and emergency treatment anywhere in the world, through ICICI Lombard’s globally renowned network partners.

To provide increased convenience to its customers, ICICI Lombard has made these products available on its IL Take Care app, a one stop solution to a customers’ day to day health concerns. One can visit a doctor for a consultation, purchase medicines from a nearby pharmacy as well as book diagnostic tests, all made available on a cashless basis with the help of IL Take Care mobile app. A host of other wellness-related value adds such as the facility to save personal health records on the app, health risk assessment, blogs, etc. can also be availed using this application. Additionally, one can avail the products from the company’s website, branches, bancassurance partners as well as agents.