ICICI Lombard corporate health insurance doesn't have an inbuilt co-pay clause.Co-pay is the amount of claim that has to be borne by the insured customer at the time of claim settlement.In ICICI Lombard health care the co-pay is optional which means the customers can opt for the copay to reduce the premium. Higher the Copay lower would be the premium to be paid.
ICICI Lombard group health insurance policy can be taken without a limit on the hospital room rent. This means that the policy would come without any sub limits on the room rent. If you opt for a private ward, then the expenses would be borne by the company. The room rent limit should be exercised with caution as the higher room rent limit means higher premium to be paid in ICICI Lombard corporate health insurance policy.
ICICI Lombard health care also has wellness programs such as earning reward points for involving in certain wellness activities. These activities include joining a gym or yoga center, medical check-up and practicing or participating in the fitness events organization by ICICI Lombard.The points earned by participating in these activities can be redeemed on OPD bills for doctor's consultation, medicine and drugs, dental charges, expenses incurred on diagnostic tests etc.
ICICI Lombard health care card benefits the insured customers. There are free health checkups provided by the company which can be availed at any of the network hospitals on a cashless basis. ICICI Lombard provides health care cards which can be shown at the network hospitals to avail cashless claim settlement facility. The free health checkups are available to all the members of the group health insurance policy or only adults depending on the type of policy.
ICICI Lombard corporate health insurance policy offers outpatient doctor visits such as medical consultation with general physicians, dentists, pediatricians and other specialist doctors. These charges are paid under the ICICI Lombard group health insurance policy upto the limits mentioned under the policy. OPD & Wellness services can be availed at any of the ICICI Lombard list of hospitals in India or the same can be availed in any other non network hospitals. The claim amount would be reimbursed under the ICICI Lombard corporate health insurance policy.
ICICI Lombard provides a useful reset benefit cover in which the sum insured would be reset to the existing level before the claim. It is to be noted that the reset benefit would be applicable from the second claim onwards which means that the reset amount can be used only for future claims within the same policy year for different illness /disease which is not related to the previous claims for the same individual.
ICICI Lombard offers hospitalization benefits such as in-patient hospitalization, day care hospitalization, alternate treatments etc.The maximum liability of the company for these kinds of hospitalization would not exceed the sum insured mentioned under the ICICI Lombard group health insurance. Health insurance of ICICI Lombard is comprehensive which means that it has all the required coverage. The hospitalization benefits would also include the organ donor expenses, emergency ambulance charges, pre and post hospitalization expenses,domiciliary hospitalization expenses etc.