{"uin":"ICIHLIP24143V012324","name":"Corporate Advantadge Super Top up - ICIHLIP24143V012324","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324","insurer":{"slug":"icici-lombard-general-insurance","name":"ICICI LOMBARD General Insurance Company Limited","url":"https://indiainsurances.com/insurer/icici-lombard-general-insurance"},"line":"health","category":"health-topup","category_name":"Top-up and super top-up","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Corporate Advantage Super Top Up is a health super top-up indemnity policy for individuals covered through employer employee Group Health Insurance policies through ICICI Lombard, with annual sum insured from ₹ 5,00,000 to unlimited and deductible from ₹ 2,00,000 to ₹ 10,00,000. The deductible applies on aggregate basis during the policy year, and all medical treatment for the insurance has to be taken in India only.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:30:17.585792+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"One policy can have a Policy period of one year, two years or three years.","display":"one year or two years or three years","note":null,"quote":"• Policy tenure: You can opt for a Policy with Policy period of one year or two years or three years","sources":[{"clause":null,"heading":"Salient features","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20008#c-salient-features"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"conflicting","value":"For cashless treatment, pre-authorisation must be requested at least 48 hours before planned hospitalisation and within 24 hours of hospitalisation in an emergency. For reimbursement, notice must be given immediately and in any event within 10 days of hospitalisation.","display":"Cashless: 48 hours before planned hospitalisation or within 24 hours of emergency hospitalisation; reimbursement: immediately and within 10 days of hospitalisation","note":"Another policy wording says reimbursement notice must be provided immediately within 24 hours of Hospitalization in emergency or at least 48 hours before planned hospitalization.","quote":"You must request pre-authorisation at least 48 hours before a planned Hospitalisation and in case of an emergency situation, within 24 hours of Hospitalisation. ... The above information needs to be provided to Us or Our In house claim processing team immediately and in any event within 10 days of Hospitalisation","sources":[{"clause":null,"heading":"Pre-authorization","page":43,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20653#c-pre-authorization"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly completed Claim form signed by You and the Medical Practitioner","Original bills, receipts and discharge certificate/ card from the Hospital/ Medical Practitioner","Original bills from chemists supported by proper prescription","Original investigation test reports and payment receipts","Indoor case papers","Medical Practitioner's referral letter advising Hospitalization in non-Accident cases","Any other document as required by Us or to investigate the Claim or Our obligation to make payment for it"],"display":"Claim form, original hospital bills/receipts/discharge card, chemist bills with prescription, investigation reports and receipts, indoor case papers, referral letter for non-accident hospitalisation, and any other required document","note":null,"quote":"(A) Duly completed Claim form signed by You and the Medical Practitioner. ... (B) Original bills, receipts and discharge certificate/ card from the Hospital/ Medical Practitioner ... (C) Original bills from chemists supported by proper prescription. ... (D) Original investigation test reports and payment receipts. ... (E) Indoor case papers ... (F) Medical Practitioner's referral letter advising Hospitalization in non-Accident cases. ... (G) Any other document as required by Us or to investigate the Claim or Our obligation to make payment for it","sources":[{"clause":null,"heading":"2. CLAIM DOCUMENTS","page":46,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20653#c-2-claim-documents"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The policy says the company shall settle or reject a claim within 30 days from receipt of the last necessary document. If investigation is warranted, it must be completed within 30 days and the claim settled or rejected within 45 days from receipt of the last necessary document; the reimbursement claim service guarantee promises payment or non-admissibility communication within 14 days after complete documents and information.","display":"30 days from last necessary document; 45 days if investigation is warranted; reimbursement service guarantee 14 days after complete documents","note":null,"quote":"The Company shall settle or reject a claim, as the case may be, within 30 days from the date of receipt of last necessary document. ... it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document- ln such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document ... We shall make the payment of admissible claim (as per terms & conditions of Policy) OR communicate non admissibility of claim within 14 days after You submit complete set of documents & information in respect of the claim.","sources":[{"clause":null,"heading":"3. Claim Settlement (provision for Penal lnterest)","page":26,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20385#c-3-claim-settlement-provision-for-penal-lnterest"},{"clause":"Excl03(II)(n)(iii)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20385#c-excl03-ii-n-iii"},{"clause":null,"heading":"3. CLAIM SERVICE GUARANTEE","page":39,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20385#c-3-claim-service-guarantee"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For grievances, the insured person may first contact ICICI Lombard through its website, toll-free number 1800 2666, email customersupport@icicilombard.com, or the stated Mumbai office address, and may also approach the company's grievance cell at branches. If not satisfied, the insured may contact the grievance redressal officer, then IRDAI/Bima Bharosa or the Insurance Ombudsman.","display":"Contact ICICI Lombard first by website, 1800 2666, customersupport@icicilombard.com, branch grievance cell or stated office; then grievance redressal officer, IRDAI/Bima Bharosa or Ombudsman","note":null,"quote":"In case of any grievance the insured person may contact the Company through Website: www.icicilombard.com Toll free: 1800 2666 Email: customersupport@icicilombard.com ICICI Lombard General Insurance Co. Ltd. Ground floor- Interface 11, Sixth floor- Interface 16 , Office no 601 & 602, New linking Road, Malad (West), Mumbai – 400064 ... lnsured person may also approach the grievance cell at any of the company's branches with the details of grievance. ... lf lnsured person is not satisfied with the redressal of grievance ,insured person may contact the grievance redressal officer","sources":[{"clause":null,"heading":"15. Redressal of Grievance","page":34,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20653#c-15-redressal-of-grievance"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"The prospectus states Minimum Sum Insured of ₹ 5,00,000 and Maximum Sum Insured as unlimited sum insured.","display":"Minimum Sum Insured: ₹ 5,00,000; Maximum Sum Insured: Unlimited sum insured","note":null,"quote":"Minimum Sum Insured: ₹ 5,00,000 Maximum Sum Insured: Unlimited sum insured","sources":[{"clause":null,"heading":"Salient features","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20008#c-salient-features"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"The policy also excludes expenses for Hypertension, Diabetes and Cardiac Conditions within 90 days from the first policy commencement date unless pre-existing and disclosed at underwriting.","quote":"Code- Excl03: 30-day waiting period ... Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":"Excl03","heading":"Code- Excl03: 30-day waiting period","page":27,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20653#c-excl03"},{"clause":"Excl03(a)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20653#c-excl03-a"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":12},"display":"12 months","note":"Coverage after 12 months is subject to the pre-existing disease being declared at application and accepted by the insurer.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 12 months (as applicable at the time of issuance) of continuous coverage after the date of inception of the first policy with insurer.","sources":[{"clause":"Excl01","heading":"Standard Exclusions (Code- Excl01: Pre-Existing Diseases","page":26,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20653#c-excl01"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":12},"display":"12 months","note":null,"quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 12 months of continuous coverage after the date of inception of the first policy with us. This exclusion shall not be applicable for claims arising due to an accident.","sources":[{"clause":"Excl02(a)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20653#c-excl02-a"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Cataract","Benign Prostatic Hypertrophy","Myomectomy, Hysterectomy unless because of malignancy","All types of Hernia, Hydrocele","Fissures &/or Fistula in anus, hemorrhoids/piles","Arthritis, gout, rheumatism and spinal disorders","Joint replacements unless due to accident","Sinusitis and related disorders","Stones in the urinary and billiary systems","Dilatation and curettage, Endometriosis","All types of Skin and internal tumors/ cysts/nodules/ polyps of any kind including breast lumps unless malignant","Dialysis required for chronic renal failure","Surgery on tonsils, adenoids and sinuses","Gastric and Duodenal erosions & ulcers","Deviated Nasal Septum","Varicose Veins/ Varicose Ulcers"],"display":"Cataract; Benign Prostatic Hypertrophy; Myomectomy/Hysterectomy unless malignancy; Hernia/Hydrocele; Fissures/Fistula/hemorrhoids; Arthritis/gout/rheumatism/spinal disorders; joint replacements unless accident; sinusitis; urinary/billiary stones; D&C/Endometriosis; skin/internal tumours/cysts/nodules/polyps; chronic renal failure dialysis; tonsils/adenoids/sinuses surgery; gastric/duodenal erosions/ulcers; Deviated Nasal Septum; Varicose Veins/Ulcers","note":null,"quote":"List of specific diseases/procedure:\n• Cataract\n• Benign Prostatic Hypertrophy\n• Myomectomy, Hysterectomy unless because of malignancy\n• All types of Hernia, Hydrocele\n• Fissures &/or Fistula in anus, hemorrhoids/piles\n• Arthritis, gout, rheumatism and spinal disorders\n• Joint replacements unless due to accident\n• Sinusitis and related disorders\n• Stones in the urinary and billiary systems\n• Dilatation and curettage, Endometriosis\n• All types of Skin and internal tumors/ cysts/nodules/ polyps of any kind including breast lumps unless malignant\n• Dialysis required for chronic renal failure\n• Surgery on tonsils, adenoids and sinuses\n• Gastric and Duodenal erosions & ulcers\n• Deviated Nasal Septum\n• Varicose Veins/ Varicose Ulcers","sources":[{"clause":"Excl02(e)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20653#c-excl02-e"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"conflicting","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"Another policy wording says the moratorium is eight continuous years.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the Company on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period. ... After completion of eight continuous years under the policy no look back to be applied. This period of eight years is called as moratorium period.","sources":[{"clause":null,"heading":"11. Moratorium Period","page":33,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20653#c-11-moratorium-period"},{"clause":null,"heading":"12. Moratorium Period","page":29,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20385#c-12-moratorium-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured has the choice to port the policy from one insurer to another and is entitled to transfer credits gained to the extent of the sum insured and benefits available in the previous policy, subject to the company's underwriting policy.","display":"Can port to another insurer and transfer credits gained, subject to underwriting","note":"The same clause says the application should be at least 30 days before, but not earlier than 60 days from the due date for renewal.","quote":"The insured has the choice to port his / her policies from one Insurer to another. ... The insured is entitled to transfer the credits gained to the extent of the sum insured and the benefits available in the previous policy, subject to the underwriting policy of the Company","sources":[{"clause":null,"heading":"7. Portability","page":32,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20653#c-7-portability"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Lifetime renewability: There is no maximum age limit for Renewal","note":null,"quote":"Lifetime renewability: There is no maximum age limit for Renewal.","sources":[{"clause":"2","heading":"Lifetime renewability","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20008#c-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading applies on renewals based on individual claims experience.","display":"No loading shall apply on renewals based on individual claims experience","note":null,"quote":"IV) No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"Excl03(IV)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20653#c-excl03-iv"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"conflicting","value":"The insured may cancel during the term by giving 7 days' notice in writing. The company refunds proportionate premium for the unexpired policy period if the policy term is up to one year and no claim has been made; for terms over one year, it refunds premium for unexpired policy years where risk coverage has not commenced, and no refund is made where a claim has been admitted, lodged or any benefit availed.","display":"7 days' notice; proportionate unexpired premium refund if term up to one year and no claim; for terms over 1 year, refund for unexpired policy years not commenced; no refund if claim admitted/lodged or benefit availed","note":"Another policy wording gives a 15 days' written notice requirement and a percentage refund table for 1-year, 2-year and 3-year tenures.","quote":"The insured may cancel the policy at any time during the term, by giving 7 days’ notice in writing. The Company shall\na) Refund proportionate premium for unexpired policy period, if the term of policy up to one year and there is no claim (s) made during the policy period.\nb) Refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced ... The policyholder may cancel this policy by giving 15 days' written notice and in such an event, the Company shall refund premium for the unexpired policy period as detailed below.","sources":[{"clause":null,"heading":"6. Cancellation","page":32,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20653#c-6-cancellation"},{"clause":"Excl03(II)(d)(i)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20385#c-excl03-ii-d-i"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"All medical treatment for the purpose of this insurance has to be taken in India only.","display":"India only","note":null,"quote":"All medical treatment for the purpose of this insurance will have to be taken in India only","sources":[{"clause":"21","heading":"Territorial Limit","page":36,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20653#c-21"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"conflicting","value":{"unit":"days","amount":30},"display":"30 days","note":"Another policy wording says fifteen days, with 30 days only for electronic policies and policies obtained through distance mode.","quote":"Every insured of new health insurance policies, except for those policies with tenure of less than a year, shall be provided a free look period of 30 days beginning from the date of receipt of policy document, whether received electronically or otherwise ... The insured person shall be allowed free look period of fifteen days (30 days in case of electronic policies and policies obtained through distance mode) from date of receipt of the policy document","sources":[{"clause":null,"heading":"14. Free look period","page":34,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20653#c-14-free-look-period"},{"clause":null,"heading":"15. Free look period","page":30,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20385#c-15-free-look-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"For instalment premium payment, the grace period is fifteen days where premium payment mode is monthly and thirty days in all other cases.","quote":"At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy. ... The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"Excl03(III)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20653#c-excl03-iii"},{"clause":null,"heading":"12. Premium Payment in instalments","page":33,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20653#c-12-premium-payment-in-instalments"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"The policy is offered to an individual from minimum age 6 years with no maximum entry age restriction. Children between 3 months and 5 years can be insured under a floater plan only, and the maximum age for dependent children under a floater policy is 25 years.","display":"Minimum 6 years; no maximum entry age; children 3 months to 5 years only under floater plan","note":null,"quote":"The policy is offered to an individual with minimum age of 6 years without any restriction on maximum entry age. Children between ages of 3 months to 5 years can be insured under a floater plan only. Maximum age for dependent children under Floater Policy is 25 years.","sources":[{"clause":"1","heading":"Entry age: The policy is offered to an individual with minimum age of 6 years without any","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20008#c-1"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Maternity Benefit","BeFit","Guaranteed Deductible Reduction","No Claim Deductible reduction"],"display":"Maternity Benefit; BeFit; Guaranteed Deductible Reduction; No Claim Deductible reduction","note":"Optional covers apply only if additional premium has been received and the optional cover is specified in the Policy Schedule.","quote":"B. Add ons/ Optional Covers ... 1. Maternity Benefit ... 2. BeFit ... 3. Guaranteed Deductible Reduction ... 4. No Claim Deductible reduction","sources":[{"clause":null,"heading":"B. Add ons/ Optional Covers","page":20,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20653#c-b-add-ons-optional-covers"},{"clause":null,"heading":"1. Maternity Benefit","page":20,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20653#c-1-maternity-benefit"},{"clause":null,"heading":"2. BeFit","page":20,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20653#c-2-befit"},{"clause":null,"heading":"3. Guaranteed Deductible Reduction","page":24,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20653#c-3-guaranteed-deductible-reduction"},{"clause":null,"heading":"4. No Claim Deductible reduction","page":25,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20653#c-4-no-claim-deductible-reduction"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the grace period for renewal. The grace period definition states that insurers shall offer coverage during the grace period if premium is paid in instalments during the policy period.","display":"Coverage is not available during renewal grace period; coverage during grace is offered if premium is paid in instalments during the policy period","note":null,"quote":"Coverage is not available during the grace period ... Provided the insurers shall offer coverage during the grace period, if the premium is paid in instalments during the policy period.","sources":[{"clause":"Excl03(III)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20653#c-excl03-iii"},{"clause":null,"heading":"“Grace Period\"","page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20653#c-grace-period"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"The amount (per claim or per year) that must be crossed before this policy pays. Your base policy or you pay this part.","status":"quote-verified","value":"The deductible is the amount you are liable for before benefits are payable for a Policy Period of one year. The prospectus states minimum ₹ 2,00,000 and maximum ₹ 10,00,000, and the wording says it applies on aggregate basis for all hospitalization expenses during the policy year.","display":"Minimum ₹ 2,00,000; maximum ₹ 10,00,000; aggregate basis for all hospitalization expenses during the policy year","note":"The deductible applies on individual basis for an individual policy and on floater basis for a floater policy; optional cover claim amounts are not considered for deductible.","quote":"Deductible: This denotes the maximum amount that You will be liable for before any benefits are payable by Us for a Policy Period of one year.\nMinimum: ₹ 2,00,000 Maximum: ₹ 10,00,000 ... Deductible will apply on aggregate basis for all hospitalization expenses during the policy year.","sources":[{"clause":null,"heading":"Salient features","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20008#c-salient-features"},{"clause":null,"heading":"You/Your/Yours/Yourself","page":9,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20653#c-you-your-yours-yourself"}],"law":[]},{"key":"deductible_basis","label":"Per claim or aggregate","section":"Limits and co-pay","meaning":"Top-up: deductible applies to each claim. Super top-up: to the total of all claims in the year.","status":"quote-verified","value":"aggregate","display":"aggregate basis for all hospitalization expenses during the policy year","note":null,"quote":"Deductible will apply on aggregate basis for all hospitalization expenses during the policy year. The deductible will apply on individual basis in case of individual policy and on floater basis in case of floater policy.","sources":[{"clause":null,"heading":"You/Your/Yours/Yourself","page":9,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20653#c-you-your-yours-yourself"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"quote-verified","value":"For Annual Sum Insured options up to Rs. 20 Lakhs, room rent charges are capped to a Single Private AC Room. For Annual Sum Insured options greater than Rs. 20 Lakhs, there is no room rent capping.","display":"Up to Rs. 20 Lakhs: Single Private AC Room; greater than Rs. 20 Lakhs: no room rent capping","note":null,"quote":"For Annual Sum Insured options up to Rs. 20 Lakhs – room rent charges shall be capped to a Single Private AC Room ... For Annual Sum Insured options greater than Rs. 20 Lakhs- there will be no room rent capping","sources":[{"clause":"1(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20653#c-1-a"},{"clause":"1(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20653#c-1-b"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"Share of each admissible claim you pay.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless treatment is available only at a Network Provider, and the hospital may coordinate with the insurer's claims team after health card or policy number and ID proof are provided.","display":"Cashless treatment is only available at a Network Provider","note":null,"quote":"Cashless treatment is only available at a Network Provider (List of Network Providers is available at our website). In order to avail of cashless treatment, the following procedure must be followed by You: ... you are required to produce the health card, as provided to You with this Policy ... Or You can seek pre authorization by providing Your Policy number and ID proof to the hospital who can co-ordinate with Our claim team to provide cashless facility.","sources":[{"clause":null,"heading":"1 CLAIMS PROCEDURE","page":43,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20653#c-1-claims-procedure-2"},{"clause":null,"heading":"Pre-authorization","page":43,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20653#c-pre-authorization"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claims are handled by the Company or its in house claim processing team.","display":"Company or Our in house claim processing team","note":null,"quote":"You must contact the Company or Our in house claim processing team accompanied with full particulars","sources":[{"clause":null,"heading":"Pre-authorization","page":43,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20653#c-pre-authorization"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Floater cover available","note":null,"quote":"You can avail a floater cover and get Your immediate family covered for the same sum insured under a single Policy by paying one premium amount.","sources":[{"clause":"3","heading":"Number of members","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20008#c-3"}],"law":[]}],"documents":[{"kind":"wording","label":"Corporate Advantage Super Top Up","pages":47,"fetched_at":"2026-10-20 02:34:17+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/corporate-advantage-super-top-up8c0007ff45fd68ff8a0df0055fa762fd.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20358"},{"kind":"wording","label":"Corporate Advantadge Super Top up - ICIHLIP24143V012324","pages":43,"fetched_at":"2026-10-20 02:37:04+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/corporate-advantage-super-top-up_policy-wordings.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20385"},{"kind":"wording","label":"Corporate Advantage Super Top Up","pages":50,"fetched_at":"2026-10-20 02:47:43+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/corporate-advantage-super-top-up8c0007ff45fd68ff8a0df0055fa76322.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20653"},{"kind":"prospectus","label":"Corporate Advantage Super Top Up","pages":19,"fetched_at":"2026-10-20 02:09:38+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/corporate-advantage-super-top-up_prospectus-sales-literature.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20008"},{"kind":"prospectus","label":"Corporate Advantadge Super Top up - ICIHLIP24143V012324","pages":20,"fetched_at":"2026-10-20 02:13:09+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/corporate-advantage-super-top-up_prospectus8c0003ff45fd68ff8a0df0055f56ea71.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20049"},{"kind":"cis","label":"Corporate Advantage Super Top Up_CIS","pages":25,"fetched_at":"2026-10-20 02:19:49+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/corporate-advantage-super-top-up-cis.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/20146"},{"kind":"premium","label":"Corporate Advantadge Super Top up - ICIHLIP24143V012324","pages":null,"fetched_at":"2026-10-20 02:00:16+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/corporate-advantage-super-top-up-rate-chart-_without-gst8c0003ff45fd68ff8a0df0055f56ea06.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324/document/19619"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"ICICI LOMBARD General Insurance official website","url":"https://www.icicilombard.com","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Corporate Advantadge Super Top up - ICIHLIP24143V012324 (UIN ICIHLIP24143V012324), IndiaInsurances, https://indiainsurances.com/policy/icici-lombard-general-insurance/corporate-advantadge-super-top-up-icihlip24143v012324-icihlip24143v012324"}