{"uin":"ICIHLIP26052V092526","name":"CIS_IL Complete Health Insurance_Health Elite Plus","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526","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-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"ICICI Lombard Complete Health Insurance is a health indemnity product with individual and floater sum insured basis, inpatient, day-care, AYUSH, ambulance, organ donor, domiciliary and home-care benefits. For Health Elite Plus, the CIS states Single Private Room, 60 days pre-hospitalisation, 180 days post-hospitalisation, 24-month PED and specific-disease waiting periods, and a 30-day free-look period.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:28:58.276592+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":"quote-verified","value":["Health Elite Plus","Health Elite","Health Shield"],"display":"Health Elite Plus; Health Elite; Health Shield","note":null,"quote":"Name of Insurance Product/Policy ICICI Lombard Complete Health Insurance Plan - Health Elite Plus ... Name of Insurance Product/Policy ICICI Lombard Complete Health Insurance-Health Elite ... Name of Insurance Product/Policy ICICI Lombard Complete Health Insurance Plan - Health Shield","sources":[{"clause":null,"heading":"Customer Information Sheet/ Know Your Policy","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/19831#c-customer-information-sheet-know-your-policy"},{"clause":null,"heading":"Customer Information Sheet/ Know Your Policy","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/19835#c-customer-information-sheet-know-your-policy"},{"clause":null,"heading":"Customer Information Sheet/ Know Your Policy","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/19839#c-customer-information-sheet-know-your-policy"}],"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":"Policy Year is twelve months; the wording also refers to long term policies of 2 year or 3 years.","display":"12 months; long term policies 2 or 3 years","note":"The exact Policy Period is stated in the Policy Schedule.","quote":"Policy Year means a period of twelve months beginning from the Policy Period Start Date and ending on the last day of such twelve-month period. ... In-case of long term policies (2 year or 3 years), the Preventive Health Check-up package for all the Policy Years shall be provided together in the first Policy Year itself.","sources":[{"clause":"Annexure I(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-annexure-i-b-13"},{"clause":"15","heading":"Preventive Health Check-up","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-15"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For cashless treatment, request pre-authorisation at least 48 hours before a planned hospitalisation and within 24 hours of hospitalisation in an emergency. For reimbursement, give notice 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":null,"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":"Row 1(a)(i)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-row-1-a-i"},{"clause":"Row 1(b)(i)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-row-1-b-i"}],"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 Hospitalisation in non-Accident cases","Any other document as required by Us or Our In house claim processing team"],"display":"Claim form, original hospital bills and discharge papers, 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 Hospitalisation in non-Accident cases. ... g) Any other document as required by Us or Our In house claim processing team to investigate the Claim or Our obligation to make payment for it","sources":[{"clause":"Row 1(a)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-row-1-a-4"},{"clause":"Row 1(b)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-row-1-b-4"},{"clause":"Row 1(c)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-row-1-c"},{"clause":"Row 1(d)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-row-1-d"},{"clause":"Row 1(e)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-row-1-e"},{"clause":"Row 1(f)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-row-1-f"},{"clause":"Row 1(g)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-row-1-g"}],"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 Company shall settle or reject a claim within 15 days from receipt of claim along with claim form. If investigation is needed, it shall complete investigation not later than 30 days from the last necessary document and settle or reject the claim within 45 days from receipt of the last necessary document, with interest for delay.","display":"15 days from receipt of claim along with claim form; if investigated, within 45 days from receipt of last necessary document","note":null,"quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of claim along with claim form. ... 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. ... ln case of delay beyond stipulated 45 days, the Company shall be liable to pay interest to the policyholder at a rate 2% above the bank rate from the date of receipt of last necessary document to the date of payment of claim.","sources":[{"clause":"Excl03(i)(i)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl03-i-i"},{"clause":"Excl03(i)(iii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl03-i-iii"},{"clause":"Excl03(i)(iv)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl03-i-iv"}],"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":"quote-verified","value":["Pre-Existing Diseases","Specified Disease/Procedure waiting period/Specific Waiting Period","30-day waiting period","Investigation & Evaluation","Rest Cure, rehabilitation and respite care","Change of Gender treatments","Cosmetic or plastic Surgery","Hazardous or Adventure sports","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Sterility and Infertility","Maternity","Treatment taken outside the country, unless Worldwide Cover has been opted for","Intentional self-injury","Any injury or illness caused by or arising from or attributed to war","Any Illness or Injury caused by or contributed to by nuclear weapons/materials"],"display":"PED and specific-disease waiting periods, 30-day waiting period, investigation/evaluation, rest cure, gender change, cosmetic surgery, hazardous sports, alcohol/drug abuse, infertility, maternity, overseas treatment unless worldwide cover, self-injury, war and nuclear risks","note":null,"quote":"Code- Excl01: Pre-Existing Diseases ... Code- Excl02: Specified Disease/Procedure waiting ... Code- Excl03: 30-day waiting period ... Code- Excl04: Investigation & Evaluation ... Code- Excl05: Exclusion Name: Rest Cure, rehabilitation and respite care ... Code- Excl07: Change of Gender treatments ... Code- Excl08: Cosmetic or plastic Surgery ... Code- Excl09: Hazardous or Adventure sports ... Code- Excl12: Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Code- Excl17: Sterility and Infertility ... Code- Excl18: Maternity: ... Treatment taken outside the country, unless Worldwide Cover has been opted for. ... Intentional self-injury (whether arising from an attempt to commit suicide or otherwise) ... Any injury or illness caused by or arising from or attributed to war ... Any Illness or Injury caused by or contributed to by nuclear weapons/materials","sources":[{"clause":"Excl01","heading":"Code- Excl01: Pre-Existing Diseases","page":19,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl01"},{"clause":"Excl02","heading":"Code- Excl02: Specified Disease/Procedure waiting","page":19,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl02"},{"clause":"Excl03","heading":"Code- Excl03: 30-day waiting period","page":20,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl03"},{"clause":null,"heading":"5. Permanent Exclusions","page":20,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-5-permanent-exclusions"},{"clause":"Excl03(a)(iv)","heading":"Code- Excl07","page":20,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl03-a-iv"},{"clause":"Excl03(a)(v)","heading":"Code- Excl08","page":20,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl03-a-v"},{"clause":"Excl03(a)(vi)","heading":"Code- Excl09","page":20,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl03-a-vi"},{"clause":"Excl03(a)(ix)","heading":"Code- Excl12","page":20,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl03-a-ix"},{"clause":"Excl03(a)(xiv)","heading":"Code- Excl17","page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl03-a-xiv"},{"clause":"Excl03(d)(ii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl03-d-ii"}],"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":"First contact ICICI Lombard through its website, toll free number, email, address, or branch grievance cell. If not satisfied, contact the Company's grievance redressal officer, then IRDAI/Bima Bharosa or the Insurance Ombudsman.","display":"First ICICI Lombard customer/grievance channels, then Grievance Redressal Officer, then IRDAI/Bima Bharosa or Insurance Ombudsman","note":null,"quote":"ln case of any grievance the insured person may contact the Company through Website: www.icicilombard.com Toll free: 1800 2666 Email: customersupport@icicilombard.com ... 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 ... lf lnsured person is not satisfied with the redressal of grievance, the insured person may also approach Insurance Regulatory and Development Authority of India (IRDAI) through the Bima Bharosa Portal ... Insured may also approach Insurance Ombudsman","sources":[{"clause":null,"heading":"14. Possibility of Revision of Terms of the Policy","page":23,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-14-possibility-of-revision-of-terms-of-the-polic"}],"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":"not-stated","value":null,"display":null,"note":"The CIS masks the amounts as ₹ XXXX and the wording refers to the Policy Schedule.","quote":null,"sources":[],"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":null,"quote":"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":20,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl03"}],"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":24},"display":"24 months","note":"Coverage after 24 months is subject to declaration at application and acceptance 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 24 months of continuous coverage after the date of inception of the first policy with insurer.","sources":[{"clause":"Excl01","heading":"Code- Excl01: Pre-Existing Diseases","page":19,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#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":24},"display":"24 months","note":"Hypertension, Diabetes and Cardiac Conditions have a 90 days exclusion unless pre-existing and disclosed at underwriting.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with us. ... Expenses related to the treatment of the below mentioned illness within 90 days from the first policy commencement date shall be excluded unless they are pre-existing and disclosed at the time of underwriting","sources":[{"clause":"Excl02(a)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl02-a"},{"clause":"Excl02(e)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl02-e"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"For enhanced sum insured, sixty continuous months applies from the date of enhancement only on the enhanced limits.","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 insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":null,"heading":"12. Moratorium Period","page":23,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#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 from one insurer to another and transfer credits gained to the extent of sum insured and benefits available in the previous policy, subject to underwriting.","display":"Porting allowed with transfer of credits, subject to underwriting; not applicable for enhanced sum insured","note":null,"quote":"a) The insured has the choice to port his / her policies from one Insurer to another.\nb) 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 ... d) This benefit is not applicable for enhanced sum insured.","sources":[{"clause":null,"heading":"9. Portability","page":22,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-9-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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 at renewal based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"No loading shall apply on renewals based on individual claims experience.\nIV. For individual products, the loadings on renewal premium shall be at portfolio and not based upon any individual Policy claim experience.","sources":[{"clause":"Excl03(d)(iii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl03-d-iii"}],"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":"quote-verified","value":["Excl04: Investigation & Evaluation","Excl05: Rest Cure, rehabilitation and respite care","Excl06: Obesity/ Weight Control","Excl07: Change of Gender treatments","Excl08: Cosmetic or plastic Surgery","Excl09: Hazardous or Adventure sports","Excl10: Breach of law","Excl11: Excluded Providers","Excl12: Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Excl13: Treatments received in heath hydros, nature cure clinics, spas or similar establishments","Excl14: Dietary supplements and substances that can be purchased without prescription","Excl15: Refractive Error","Excl16: Unproven Treatments","Excl17: Sterility and Infertility","Excl18: Maternity","Treatment taken outside the country, unless Worldwide Cover has been opted for","Intentional self-injury","War, invasion, hostilities, civil war, commotion, unrest, rebellion, revolution, military or usurped power","Nuclear weapons/materials or ionising radiation or contamination by radioactivity"],"display":"Excl04 to Excl18 plus specific exclusions such as overseas treatment unless worldwide cover, intentional self-injury, war/hostilities and nuclear/radiation risks","note":null,"quote":"Code- Excl04: Investigation & Evaluation ... Code- Excl05: Exclusion Name: Rest Cure, rehabilitation and respite care ... Code- Excl06: Obesity/ Weight Control ... Code- Excl07: Change of Gender treatments ... Code- Excl08: Cosmetic or plastic Surgery ... Code- Excl09: Hazardous or Adventure sports ... Code- Excl10: Breach of law ... Code- Excl11: Excluded Providers ... Code- Excl12: Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Code- Excl13: Treatments received in heath hydros, nature cure clinics, spas or similar establishments ... Code- Excl14: Dietary supplements and substances that can be purchased without prescription ... Code- Excl15: Refractive Error ... Code- Excl16: Unproven Treatments ... Code- Excl17: Sterility and Infertility ... Code- Excl18: Maternity: ... Treatment taken outside the country, unless Worldwide Cover has been opted for. ... Intentional self-injury (whether arising from an attempt to commit suicide or otherwise) ... war, invasion, acts of foreign enemies, hostilities ... nuclear weapons/materials or contributed to by or arising from ionising radiation or contamination by radioactivity","sources":[{"clause":null,"heading":"5. Permanent Exclusions","page":20,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-5-permanent-exclusions"},{"clause":"Excl03(a)(iii)","heading":"Code- Excl06","page":20,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl03-a-iii"},{"clause":"Excl03(a)(iv)","heading":"Code- Excl07","page":20,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl03-a-iv"},{"clause":"Excl03(a)(v)","heading":"Code- Excl08","page":20,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl03-a-v"},{"clause":"Excl03(a)(vi)","heading":"Code- Excl09","page":20,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl03-a-vi"},{"clause":"Excl03(a)(vii)","heading":"Code- Excl10","page":20,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl03-a-vii"},{"clause":"Excl03(a)(viii)","heading":"Code- Excl11","page":20,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl03-a-viii"},{"clause":"Excl03(a)(ix)","heading":"Code- Excl12","page":20,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl03-a-ix"},{"clause":"Excl03(a)(x)","heading":"Code- Excl13","page":20,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl03-a-x"},{"clause":"Excl03(a)(xi)","heading":"Code- Excl14","page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl03-a-xi"},{"clause":"Excl03(a)(xii)","heading":"Code- Excl15","page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl03-a-xii"},{"clause":"Excl03(a)(xiii)","heading":"Code- Excl16","page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl03-a-xiii"},{"clause":"Excl03(a)(xiv)","heading":"Code- Excl17","page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl03-a-xiv"},{"clause":"Excl03(d)(ii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl03-d-ii"}],"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":"quote-verified","value":"The insured may cancel by giving 7 days' written notice. The Company refunds proportionate premium for the unexpired period for policies up to one year if no claim is made; for terms over 1 year, it refunds premium for unexpired policy years where risk has not commenced. No refund is made if any claim has been admitted or lodged or any benefit availed.","display":"7 days' written notice; proportionate refund of unexpired period if term up to one year and no claim; no refund if any claim admitted, lodged or benefit availed","note":"For policies with term more than 1 year, refund is for unexpired policy years for which risk coverage has not commenced.","quote":"The insured may cancel the policy at any time during the term, by giving 7 days notice in writing. ... 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. ... Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the Insured person under the Policy.","sources":[{"clause":null,"heading":"7. Cancellation","page":22,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-7-cancellation"},{"clause":"Excl03(d)(i)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl03-d-i-2"},{"clause":"Excl03(d)(ii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl03-d-ii-2"}],"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":"Medical treatment must be taken in India only unless the optional Worldwide Cover has been opted for.","display":"India only, unless optional Worldwide Cover is opted","note":null,"quote":"All medical treatment for the purpose of this insurance will have to be taken in India only unless Option-\nZone B | Pune, Kolkata, Telangana (Incl. Hyderabad), Madhya Pradesh, Goa, Gujarat (excl. Ahmedabad and Surat), Bangalore, Chennai, Andhra Pradesh, Chattisgarh, Pondicherry, Uttarakand | Zone A | 8%\nal Cover Worldwide Cover has been opted for.","sources":[{"clause":"20","heading":"Territorial Limit","page":24,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-20"}],"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":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"Every insured of new individual 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","sources":[{"clause":null,"heading":"14. Possibility of Revision of Terms of the Policy","page":23,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-14-possibility-of-revision-of-terms-of-the-polic"}],"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":15},"display":"15 days for monthly mode; 30 days in all other cases","note":"At the end of the policy period, the policy can be renewed within a Grace Period of 30 days to maintain continuity.","quote":"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":null,"heading":"13. Premium Payment in installments","page":23,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-13-premium-payment-in-installments"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Half Yearly","Quarterly","Monthly"],"display":"Half Yearly, Quarterly or Monthly instalments","note":null,"quote":"lf the insured person has opted for Payment of Premium on an instalment basis i.e. Half Yearly, Quarterly or Monthly, as mentioned in the policy Schedule/Certificate of lnsurance","sources":[{"clause":null,"heading":"13. Premium Payment in installments","page":23,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-13-premium-payment-in-installments"}],"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":["Hospital Daily Cash","Convalescence Benefit","Nursing at Home post Hospitalisation","Compassionate Visit","Critical Illness","Personal Accident","BeFit","Outpatient Treatment","Maternity Cover","New Born Baby Cover","Voluntary Co-payment","Super Loyalty Bonus","Sum Insured Protector","Claim Protector","Worldwide Cover"],"display":"Hospital Daily Cash, Convalescence Benefit, Nursing at Home, Compassionate Visit, Critical Illness, Personal Accident, BeFit, Outpatient Treatment, Maternity, New Born Baby, Voluntary Co-payment, Super Loyalty Bonus, Sum Insured Protector, Claim Protector and Worldwide Cover","note":"The wording is generic and says covers apply only if specified in the Policy Schedule; the Health Elite Plus CIS lists Nursing at Home, Compassionate Visit, BeFit, Voluntary Co-payment, Sum Insured Protector, Claim Protector and Worldwide Cover.","quote":"The Covers listed below shall be available to the Insured Person only if the additional premium has been received by Us(except Optional Cover 11. Voluntary co-payment) and the Optional Cover is specified to be in force for that Insured Person in the Policy Schedule. ... 1. Hospital Daily Cash ... 2. Convalescence Benefit ... 3. Nursing at Home post Hospitalisation ... 4. Compassionate Visit ... 5. Critical Illness ... 6. Personal Accident ... 7. BeFit ... 8. Outpatient Treatment ... 9. Maternity Cover ... 10. New Born Baby Cover ... 11. Voluntary Co-Payment ... 12. Super Loyalty Bonus ... 13. Sum Insured Protector ... 14. Claim Protector ... 15. Worldwide Cover","sources":[{"clause":null,"heading":"B. Optional Covers","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-b-optional-covers"},{"clause":null,"heading":"1. Hospital Daily Cash","page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-1-hospital-daily-cash"},{"clause":null,"heading":"2. Convalescence Benefit","page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-2-convalescence-benefit"},{"clause":null,"heading":"3. Nursing at Home post Hospitalisation","page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-3-nursing-at-home-post-hospitalisation"},{"clause":null,"heading":"4. Compassionate Visit","page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-4-compassionate-visit"},{"clause":null,"heading":"5. Critical Illness","page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-5-critical-illness"},{"clause":null,"heading":"6. Personal Accident","page":14,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-6-personal-accident"},{"clause":null,"heading":"7. BeFit","page":15,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-7-befit"},{"clause":null,"heading":"8. Outpatient Treatment","page":17,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-8-outpatient-treatment"},{"clause":null,"heading":"9. Maternity Cover","page":17,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-9-maternity-cover"},{"clause":null,"heading":"13. Sum Insured Protector","page":18,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-13-sum-insured-protector"},{"clause":"Row 1(iv)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-row-1-iv"},{"clause":null,"heading":"15. Worldwide Cover","page":19,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-15-worldwide-cover"}],"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 renewal grace period. If premium is paid in instalments during the policy period, the company offers coverage during the grace period.","display":"Renewal grace: coverage not available; instalment grace: coverage offered","note":null,"quote":"Coverage is not available during the grace period. ... Provided the company shall offer coverage during the grace period, if the premium is paid in instalments during the policy period.","sources":[{"clause":"Excl03(d)(iii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl03-d-iii"},{"clause":null,"heading":"13. Premium Payment in installments","page":23,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-13-premium-payment-in-installments"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"quote-verified","value":"For Health Elite Plus, room rent charges are limited to Single Private Room.","display":"Single Private Room","note":null,"quote":"In-patient Treatment: Up to the Annual Sum Insured for admission longer than 24 consecutive hours. Room Rent charges “Single Private Room”","sources":[{"clause":null,"heading":"Customer Information Sheet/ Know Your Policy","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/19831#c-customer-information-sheet-know-your-policy"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"quote-verified","value":"Single Private Room.","display":"Single Private Room","note":null,"quote":"Room Rent charges “Single Private Room”","sources":[{"clause":null,"heading":"Customer Information Sheet/ Know Your Policy","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/19831#c-customer-information-sheet-know-your-policy"}],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"quote-verified","value":"Intensive Care Unit Charges are covered under inpatient treatment up to the Annual Sum Insured specified in the Policy Schedule.","display":"ICU charges covered up to the Annual Sum Insured","note":null,"quote":"We will cover the following Medical Expenses incurred in respect of Hospitalization of the Insured Person during the Policy Period, up to the Annual Sum Insured specified in the Policy Schedule against this In-Patient Care treatment: ... ii) Intensive Care Unit Charges;","sources":[{"clause":"1","heading":"Inpatient Treatment","page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-1"},{"clause":"1(ii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-1-ii"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"quote-verified","value":"If the insured is admitted in a room category or limit higher than specified, the insured bears a rateable proportion of associated medical expenses. Proportionate deductions are not applicable for ICU charges and not applicable where hospitals do not follow differential billing.","display":"Yes, rateable proportion applies if room category/limit is higher than specified; not for ICU charges","note":null,"quote":"If the Insured Person is admitted in a room category/limit that is higher than the one that is specified in the Policy Schedule/ Product benefit table of this policy, then the Insured Person shall bear a rateable proportion of the total Associated medical expenses ... Proportionate deductions are not applicable for ICU charges ... Proportionate deductions shall not be applicable for hospitals which do not follow differential billing","sources":[{"clause":"1(v)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-1-v"},{"clause":"1(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-1-b"},{"clause":"1(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-1-c"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"quote-verified","value":"Zone-based co-payment applies if treatment is taken in a higher zone than the zone for which premium was paid; there is no zone-based co-payment for Zone A and Zone D. Voluntary co-payment applies only if opted.","display":"Zone co-pay 8% or 16% if treated in a higher zone; no zone co-pay for Zone A or Zone D; voluntary co-pay if opted","note":"The extracted table is fragmented; it shows Zone B to Zone A at 8%, Zone C to Zone A at 16%, and Zone C to Zone B at 8%.","quote":"There will be No zone based co-payment for Zone A and for Zone D i.e. Insured Persons(s) who have opted for Zone A or Zone D can take treatment anywhere in India without any ... Additional zone based Co-Payment as per table below would | The Insured Person shall keep an accurate record\nbe levied on each and every claim ... Zone A | 8% ... Zone A | 16% ... The Insured Person has the choice to opt for Voluntary Co-payment and avail subsequent discount on premium.","sources":[{"clause":null,"heading":"14. Possibility of Revision of Terms of the Policy","page":23,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-14-possibility-of-revision-of-terms-of-the-polic"},{"clause":"18","heading":"Records to be Maintained","page":24,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-18"},{"clause":"20","heading":"Territorial Limit","page":24,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-20"},{"clause":null,"heading":"13. Sum Insured Protector","page":18,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-13-sum-insured-protector"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"quote-verified","value":"Not Applicable.","display":"Not Applicable","note":null,"quote":"Deductible (It is a specified amount:\n- Up to which an insurance company will not pay any claim, and\n- Which will be deducted from total claim amount (if claim amount is more than the specified amount)\nNot Applicable","sources":[{"clause":null,"heading":"Co-payment (It is a specified amount /percentage of the","page":11,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/19831#c-co-payment-it-is-a-specified-amount-percentage-o"}],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"quote-verified","value":["Cataract treatment: up to 10% of the Annual Sum Insured subject to a maximum of Rs.1 Lakh per eye"],"display":"Cataract: 10% of Annual Sum Insured, maximum Rs.1 Lakh per eye","note":null,"quote":"After two years from the Period of Insurance Start Date, Our maximum liability arising out of any Claim for a cataract treatment shall be restricted to up to 10% of the Annual Sum Insured subject to a maximum of Rs.1 Lakh per eye.","sources":[{"clause":"Excl02(e)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl02-e"}],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":60},"display":"60 days before hospitalization","note":"Health Elite and Health Shield CIS state 30 days before hospitalization.","quote":"Pre Hospitalization Medical expenses - 60 days before hospitalization up to the Annual sum insured","sources":[{"clause":null,"heading":"Customer Information Sheet/ Know Your Policy","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/19831#c-customer-information-sheet-know-your-policy"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":180},"display":"180 days after discharge from hospital","note":"Health Elite and Health Shield CIS state 60 days after discharge from hospital.","quote":"Post Hospitalization Expenses –180 days after discharge from hospital up to the Annual sum insured","sources":[{"clause":null,"heading":"Customer Information Sheet/ Know Your Policy","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/19831#c-customer-information-sheet-know-your-policy"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"quote-verified","value":"Domiciliary Hospitalization is covered if it continues for at least 3 consecutive days, with payment from the first day. Home Care Treatment is covered up to 5% of Annual Sum Insured subject to a maximum of Rs. 25,000, with written advice, monitoring and prior approval.","display":"Domiciliary hospitalisation covered if at least 3 consecutive days; Home Care Treatment up to 5% of Annual Sum Insured, maximum Rs. 25,000","note":"Domiciliary Hospitalization has listed disease exclusions in the policy wording.","quote":"We will cover the Medical Expenses incurred in respect of the Domiciliary Hospitalization of the Insured Person during the Policy Period provided that:\ni) The Domiciliary Hospitalization continues for at least 3 consecutive days ... We will cover the Medical Expenses incurred by the Insured Person on Home Care Treatment up to 5% of Annual Sum Insured subject to a maximum of Rs. 25,000 provided that:\na) The Medical Practitioner advices the Insured Person in writing to undergo treatment at home","sources":[{"clause":"11","heading":"Domiciliary Hospitalization","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-11"},{"clause":"12","heading":"Home Care Treatment","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-12"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"quote-verified","value":"In-patient AYUSH treatment is covered up to the Annual Sum Insured if hospitalised at an AYUSH Hospital or AYUSH Day Care Centre.","display":"AYUSH hospitalisation up to Annual Sum Insured","note":null,"quote":"We will cover medical expenses incurred in respect of Insured Person’s AYUSH Treatment during the Policy Period up to the Annual Sum Insured specified in the Policy Schedule provided that –\ni) The Insured person is Hospitalised for AYUSH Treatment at a AYUSH Hospital or AYUSH Day Care Centre.","sources":[{"clause":"6","heading":"In Patient AYUSH Hospitalisation","page":6,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-6"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"quote-verified","value":"Technological advancements and treatments are covered up to the Annual Sum Insured, including uterine artery embolization and HIFU, immunotherapy monoclonal antibody injection, vaporisation of the prostate, hematopoietic stem cell therapy for bone marrow transplant, balloon sinuplasty, oral chemotherapy, robotic surgeries, stereotactic radio surgeries, deep brain stimulation, intra vitreal injections, bronchical thermoplasty and IONM.","display":"Covered up to Annual Sum Insured for listed modern treatments including immunotherapy, stem cell therapy, oral chemotherapy and robotic surgeries","note":null,"quote":"We will cover the Medical Expenses incurred in respect of Hospitalization of the Insured Person for the below mentioned Technological advancements and treatments during the Policy Period, up to the Annual Sum Insured\nSr. No. | Treatment/Procedure ... 2 | Immunotherapy- Monoclonal Antibody to be given as injection ... 4 | Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions ... 6 | Oral Chemotherapy\n2. Day Care Procedures/Treatment\n7 | Robotic surgeries","sources":[{"clause":"3","heading":"Technological advancements and Treatments","page":5,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"quote-verified","value":"The policy covers an organ donor's inpatient hospitalisation expenses for harvesting an organ donated to the insured person, up to the Annual Sum Insured, if the insured person's inpatient claim is accepted.","display":"Organ donor inpatient harvesting expenses up to Annual Sum Insured","note":"Pre- and post-hospitalisation expenses of the donor, screening, organ acquisition, transportation, preservation and donor complications are excluded.","quote":"We will cover the medical expenses incurred in respect of an organ donor’s Hospitalization during the Policy Period for harvesting of the organ donated to the Insured Person up to the Annual Sum Insured specified in the Policy Schedule provided that: ... We have accepted a claim under Section “Inpatient treatment” in respect of the Insured Person.","sources":[{"clause":"10","heading":"Donor Expenses","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-10"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Domestic road ambulance is covered to the nearest hospital; reimbursement is limited to 1% of Annual Sum Insured up to Rs.10,000 and cashless road ambulance is covered as per actuals. Air ambulance is covered up to the Annual Sum Insured for life-threatening emergency transportation to the nearest hospital within India.","display":"Road ambulance: 1% of Annual Sum Insured up to Rs.10,000 on reimbursement, actuals on cashless; air ambulance: up to Annual Sum Insured for emergencies in India","note":null,"quote":"Our maximum liability under this Benefit for every claim arising during the Policy Year will be restricted to 1% of the Annual Sum Insured maximum up to Rs.10,000 in case the charges of road ambulance are being reimbursed. In case the services of a health care or ambulance service provider are being availed on cashless basis, the charges of road ambulance will be covered as per actuals. ... We will cover the expenses incurred on Air Ambulance services up to the Annual Sum Insured ... iv) We will not cover: ... c) Any transportation or Air Ambulance expenses incurred outside the geographical scope of India.","sources":[{"clause":"8","heading":"Domestic Road Ambulance","page":6,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-8"},{"clause":"9","heading":"Air Ambulance Cover","page":6,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-9"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"quote-verified","value":"The Reset Benefit resets up to 100% of Annual Sum Insured, once for the same illness/disease/injury and unlimited times for different illness/disease/injury in a policy year, when the Annual Sum Insured including bonuses and protector is insufficient due to previous claims. It is not triggered for the first claim and is not available for relapse within 45 days of the same illness or injury.","display":"Reset up to 100% of Annual Sum Insured; once for same illness and unlimited times for different illness in a policy year","note":null,"quote":"We will reset up to 100% of the Annual Sum Insured, Once for same illness/disease/injury and Unlimited times for different illness/disease/injury for the same Insured Person in a Policy Year ... The Reset Benefit will not be triggered for the first claim made during the Policy Year ... The Reset Benefit will not be available for an Illness /Injury or related complications including but not limited to any relapse within 45 days","sources":[{"clause":"7","heading":"Reset Benefit","page":6,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-7"}],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"quote-verified","value":"Loyalty Bonus of 20% of expiring or renewed Annual Sum Insured, whichever is lower, is added at the end of each policy year if continuously renewed, up to 100% of Annual Sum Insured. It is not reduced after a claim.","display":"20% per policy year, maximum 100% of Annual Sum Insured; not reduced on claim","note":null,"quote":"We will provide a Loyalty Bonusof 20% of expiring or renewed Annual Sum Insured (whichever is lower) at the end of each Policy Year if the expiring Policy is continuously renewed with the Company. The Loyalty Bonuswill not be accumulated for more than 100% of the Annual Sum ... In the event of Claim, under the Policy during any subsequent Policy Year, the credited Loyalty Bonuswill not be reduced.","sources":[{"clause":"14","heading":"Loyalty Bonus","page":11,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-14"},{"clause":"14(ii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-14-ii"}],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"quote-verified","value":"Medicines, drugs and consumables are covered under inpatient treatment except those specified in the list of excluded non-medical expenses. If optional Claim Protector is bought and an inpatient or daycare claim is accepted, the listed excluded non-payable items for that claim become payable up to the Annual Sum Insured.","display":"Consumables covered except listed non-medical excluded items; optional Claim Protector can pay excluded non-payable items up to Annual Sum Insured","note":"Claim Protector is an optional cover.","quote":"medicines, drugs and consumables (other than those specified in the list of excluded expenses (non-medical) in Annexure I ... If a claim has been accepted under the “Inpatient Treatment” or “Daycare Procedure/Treaments” Cover, the items which are included in the List of Excluded items ... which are non – payable, to the particular claim, will become payable. The maximum claim payout under this Optional Cover shall be limited to Annual Sum Insured under the Policy.","sources":[{"clause":"1(v)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-1-v"},{"clause":"Row 1(iv)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-row-1-iv"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"quote-verified","value":"Maternity is excluded under the standard exclusion, except ectopic pregnancy. The exclusion is not applicable if Optional Maternity Cover has been opted; that optional cover is available after 36 months of continuous coverage and is limited to 2 deliveries/terminations.","display":"Excluded except ectopic pregnancy, unless optional Maternity Cover is opted; optional cover after 36 months and limited to 2 deliveries/terminations","note":"Maternity Cover is an optional cover in the wording.","quote":"Code- Excl18: Maternity: ... Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalisation) except ectopic pregnancy. ... Note: This exclusion shall not be applicable in case Optional Maternity Cover has been opted for. ... The Optional Cover shall be limited to 2 deliveries/ ... after 36 months of continuous coverage have elapsed","sources":[{"clause":"Excl03(a)(xiv)","heading":"Code- Excl17","page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl03-a-xiv"},{"clause":"Excl03(d)(i)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl03-d-i"},{"clause":"Excl03(d)(ii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-excl03-d-ii"},{"clause":null,"heading":"9. Maternity Cover","page":17,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-9-maternity-cover"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"quote-verified","value":"New Born Baby Cover is available only if Maternity Cover is applicable, and covers hospitalisation of a newborn baby up to 90 days from the date of birth, subject to limits in the Policy Schedule.","display":"Only if Maternity Cover applies; newborn hospitalisation up to 90 days from birth","note":"New Born Baby Cover is an optional cover in the wording.","quote":"10. New Born Baby Cover We will cover the Medical Expenses incurred by You on Hospitalization of a “New born Baby” during each Policy Year of Policy Period subject to the limits as specified in the Policy Schedule. This Optional Cover will be provided only if Maternity Cover is applicable to You. This Optional Cover will cover Medical Expenses incurred on the “New born Baby” during Hospitalization (for a minimum period of consecutive 24 hours) for a maximum period up to 90 days from the date of birth of the baby","sources":[{"clause":null,"heading":"9. Maternity Cover","page":17,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-9-maternity-cover"}],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"quote-verified","value":"Insured persons aged 21 years and above can avail a Preventive Health Check-up as per plan eligibility, only at network providers or empaneled health service providers, once per policy year per insured person. A maximum of 2 coupons are provided per policy year for a floater policy.","display":"Preventive health check-up once per policy year for age 21+; max 2 coupons for floater policy","note":null,"quote":"Insured Person(s) aged 21 years and above can avail a Preventive Health Check-up as per eligibility under the plan opted only at our Network Providers or empaneled Health Service Providers anytime during the Policy Period ... This Cover can be availed only on Cashless basis and is limited to once per Policy Year per Insured Person.\n• Maximum of 2 Preventive Health Check-up coupons shall be provided per Policy Year for a floater Policy","sources":[{"clause":"15","heading":"Preventive Health Check-up","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-15"}],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"quote-verified","value":"Base day-care benefit does not cover outpatient treatment. OPD-type benefits are available through optional BeFit and optional Outpatient Treatment covers, subject to policy-specified limits.","display":"No OPD under day-care benefit; optional BeFit and optional Outpatient Treatment cover OPD services subject to limits","note":"BeFit and Outpatient Treatment are optional covers; Health Elite Plus CIS lists BeFit, not the separate Outpatient Treatment cover.","quote":"We will not cover any Out Patient Treatment or diagnostic services under this Benefit. ... BeFit – Provides following benefits on cashless basis up to limits ... Outpatient Consultation ... Routine Diagnostics Cover and Minor Procedures Cover ... Pharmacy Cover ... We will cover You for the Medical Expenses incurred by You as an Out-patient subject to Sum Insured as mentioned against this Optional Cover under this Policy.","sources":[{"clause":"3","heading":"Technological advancements and Treatments","page":5,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-3"},{"clause":null,"heading":"Optional Covers-","page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/19831#c-optional-covers"},{"clause":null,"heading":"8. Outpatient Treatment","page":17,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-8-outpatient-treatment"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"quote-verified","value":"Premium is computed based on the zone chosen by the insured person, and zone-based co-payment applies if treatment is taken in a higher zone than the one for which premium was paid. There is no zone-based co-payment for Zone A and Zone D.","display":"Premium depends on chosen zone; higher-zone treatment can attract zone co-pay; no zone co-pay for Zone A and Zone D","note":null,"quote":"For the purpose of policy issuance, the premium will be computed basis the zone chosen by Insured Person in the proposal form. ... There will be No zone based co-payment for Zone A and for Zone D ... Additional zone based Co-Payment as per table below would ... be levied on each and every claim ... in case medically ... necessary treatment has been taken in a zone higher","sources":[{"clause":null,"heading":"14. Possibility of Revision of Terms of the Policy","page":23,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-14-possibility-of-revision-of-terms-of-the-polic"},{"clause":"18","heading":"Records to be Maintained","page":24,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-18"}],"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 at Network Providers, where approved treatment costs are paid directly to the network provider by the insurer. For cashless settlement, the insured must follow pre-authorisation procedure.","display":"Available at Network Providers with pre-authorisation","note":null,"quote":"Cashless Facility means a facility extended by the insurer to the insured where the payments, of the costs of treatment undergone by the insured in accordance with the policy terms and conditions, are directly made to the network provider by the insurer to the extent pre-authorization approved. ... Cashless treatment is only available at a Network Provider (List of Network Providers is available at our website).","sources":[{"clause":"Annexure I(i)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-annexure-i-i"},{"clause":"Row 1(a)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-row-1-a-3"}],"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 in house claim processing team","note":null,"quote":"You must contact the Company or Our in house claim processing team ... You shall give notice to Us or Our In house claim processing team","sources":[{"clause":"Row 1(a)(i)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-row-1-a-i"},{"clause":"Row 1(b)(i)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489#c-row-1-b-i"}],"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":"Yes, floater sum insured is available","note":null,"quote":"Floater Sum Insured- ₹ XXXX – where all members under the policy have a single sum insured limit which may be utilized by any or all members","sources":[{"clause":null,"heading":"Customer Information Sheet/ Know Your Policy","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/19831#c-customer-information-sheet-know-your-policy"}],"law":[]}],"documents":[{"kind":"wording","label":"Complete Health Insurance","pages":30,"fetched_at":"2026-10-20 02:42:07+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/complete-health-insurance.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/20489"},{"kind":"cis","label":"CIS_IL Complete Health Insurance_Health Elite Plus","pages":18,"fetched_at":"2026-10-20 01:54:55+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/cis_il-complete-health-insurance_health-elite-plus.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/19831"},{"kind":"cis","label":"Complete Health Insurance- Elite Plan","pages":18,"fetched_at":"2026-10-20 01:55:11+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/cis_il-complete-health-insurance_health-elite8c0007ff45fd68ff8a0df0055f829c93.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/19835"},{"kind":"cis","label":"CIS_IL Complete Health Insurance_Health Shield","pages":17,"fetched_at":"2026-10-20 01:55:27+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/cis_il-complete-health-insurance_health-shield.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526/document/19839"}],"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":"CIS_IL Complete Health Insurance_Health Elite Plus (UIN ICIHLIP26052V092526), IndiaInsurances, https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-il-complete-health-insurance-health-elite-plus-icihlip26052v092526"}