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ICICI Lombard Health Insurance
ICICI Lombard Health Insurance for Maternity
A mother’s responsibilities start from the first day of being pregnant till forever, it is a life-altering and embarking journey. Pregnancy brings with it enormous changes in a woman’s physical and emotional well-being. This transformation and coming back to daily routine leads to expenses that may turn out to be huge. Buying a maternity health insurance plan can at least help a woman be stress-free when it comes to the financials. A maternity plan gives her the mental freedom to cherish the new experiences without being cautious and concerned about the monetary issues she may face.
ICICI Lombard health insurance for maternity is not just a matter of saving tax, it can be so much more. It’s about partnering with you to find precisely what works for the mother and your newborn based on their needs to ensure a no-fuss environment and a pleasant beginning to parenthood.
Key Features of ICICI Lombard Insurance Plan for Maternity
Maternity Insurance is one of the best ways to minimize the expenses that will come with your prenatal care and the hospital stay when you give birth. Here are some key features of a maternity insurance plan to help you make up your mind:
- ICICI Lombard Health Insurance for Maternity offers cashless payment of treatment in their network of authorised hospitals all over India. Do check the cashless facility network hospitals.
- Maternity Benefit claim has been accepted, subject to the limit of Rs 10,000.
- The maternity insurance plan not only covers the mother but also provides for the treatment expenses of Pre and Post-Natal Care for your newborn, in case he or she is diagnosed with a congenital health condition.
- ICICI maternity insurance also enables you to save tax under section 80D of the Income Tax Act.
- Policyholders can easily purchase a maternity insurance plan online by filling out an application form in just a few clicks, this makes the whole process hassle-free.
- With ICICI Lombard Health Insurance for Maternity, you get coverage for pre and post-hospitalization, delivery and even other expenses such as hospital room rent, ambulance services, and doctors’ consultation fees. This makes the plan a comprehensive coverage policy.
- You can even receive a Claim-Free Bonus through ICICI Lombard insurance for maternity if you skip raising a claim in a policy year
- Safeguard Expense
ICICI Lombard Health Insurance for Maternity safeguards you and your family against the increasing healthcare costs of the newborn. - Hospital Daily Cash Allowances
A certain amount will be paid for each and every completed day of hospitalisation if such hospitalisation is at least for a minimum of 3 consecutive days and subject to a maximum of 10 consecutive days. - Maternity Hospitalisation Expenses
Maternity insurance helps cover up to 91 days after childbirth while providing coverage against post-hospitalization expenses of Rs 2000. - Waiting Period
The waiting period for maternity coverage is 3 years. The cover is limited to 2 deliveries/terminations during the period of insurance(as per the plan). - Nursing At Home
A certain amount (as per the plan chosen) per day for a maximum of up to 15 days post-hospitalisation for the medical services of a nurse at your residence - Coverage Against Pre- and Post-Natal Expenses
Maternity insurance covers medical expenses relating to both Cesarean and normal delivery along with post-delivery complications for the mother- Normal delivery of Rs 10,000/Caesarian delivery of Rs15,000/Pre-Post Natal Rs 2,000 each
- Normal Delivery of Rs 15,000/Caesarian delivery of Rs 25,000/Pre-Post Natal Rs 2,000 each
- Normal Delivery of Rs 25,000/Caesarian delivery of Rs 50,000/Pre-Post Natal Rs 2,000 each
- Out-patient Treatment Cover
Reimbursement is provided for the medical expenses incurred as an Outpatient (OPD). It means the Insured patient who is not hospitalized for more than 24 consecutive hours but who visits a Hospital, clinic or associated facility for diagnosis or treatment. - New-born Coverage
In case some life-threatening or congenital ailment is diagnosed, the newborn coverage helps the parents from Day 1 to day 90 days from the birth of the baby.
