ICICI Lombard Health Insurance Complete family floater coverage

One of the most crucial insurance that you should seriously think about purchasing is the health insurance. Medical emergencies come unannounced in the life of an individual. Hence at the time of any such emergency, if you are not covered under any health insurance, it will only pinch your pocket and make a hole! give burden to your pockets. It’s not just about money; your life may become stressful full of stress and you would have many reasons to worry then. To avoid getting into that state, it is a good idea to buy for yourself and your family a health insurance cover from a renowned and reliable insurance service provider. In the world of insurance, a very reliable and trust worthy name that comes to our mind is ICICI Lombard Health Insurance, one of the leading general insurance providers in India.

A common perception that still persists in the minds of many Indians is to avoid insurance related calls from the agents. If you are also of the same opinion, think again. Insurance is unavoidable especially since government coverage is low in India.

ICICI Health Coverage:

ICICI Lombard health coverage family floater plan offers an umbrella of benefits for a pre-decided duration during which you are covered. Be it for an individual in your family or multiple family members, this plan covers you all. It is always advisable to take a family floater rather than a plan for an individual as the former will be economically viable and easy to manage. A family floater cover from ICICI Lombard can be easily customized based on your needs and requirements and also keeping in mind the health status of all the members of your family. With this insurer, you can avail all the benefits under one umbrella and you need not worry at all about any medical exigencies in future.

Comprehensive Coverage Benefits :

Health Insurance are generally of two types – basic plan and comprehensive plan. It is always advisable to buy a comprehensive plan rather than basic plan. As the name suggests, comprehensive plan covers all the basic medical needs for you and your family. The most important benefit of comprehensive is that it covers in-patient treatment and out-patient treatment. That implies, most of the basic medical charges such as medical tests, doctor’s consultation, pharmacy expenses are also covered. Most of these provide coverage for hospital stays without any restrictions. In short, you or your family doesn’t need to worry at all about anything if you are covered under the comprehensive health coverage from ICICI Lombard. Comprehensive can also be customized using a top-up option for seeking any additional benefits that may not be covered or for extreme medical conditions.

Health Insurance Plans :

There are several useful plans that can be taken from ICICI if you want to cover yourself or your family against any type of medical expenses in your future. Some of these plans are explained below :

Personal Protect Plan :

As the name suggests, this type of plan covers an individual member of the family against an unfortunate event of death due to accidents. In this scenario, it provides death benefit to the nominee of the insured. In addition to this, this plan also covers the permanent disability arising due to any accident of the insured. This can further be customized based on the additional needs of an individual. Some of the benefits of this plan are that it does not require any further check-up and carries a very easy and hassle free process. The can be easily purchased online and there is round the clock support available in case an insurer you have has any queries regarding the plan.

Health Booster Plan :

A health booster plan is an extremely beneficial that takes care of your medical expenses over and above your base plan. So, in case the expenses that you incur are not covered under your base plan, you can get them covered through a health booster plan. A health insurance plan covers in-patient expenses, pre and post hospitalization expenses and also covers members of the same family. An individual can claim tax benefits under this plan and the plan ensures cashless hospitalization at the ICICI network hospital chain.

Whatever the plan you choose, it is very important to read through all the terms of the plan and then pick the plan based on the medical needs of yourself and your family member