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ICICI Lombard Corporate Insurance |
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Group Mediclaim Policy
Scope of Cover
Policy covers reimbursement of hospitalization expenses incurred for diseases contracted or injuries sustained in India.
Pre - hospitalization: Medical expenses upto 30 days
Post - hospitalization: Medical expenses upto 60 days
Sum Insured
Minimum Rs. 15,000/- and Maximum Rs. 5,00,000/-
Premium
Premium chargeable depends upon age of the person and the Sum Insured selected.
Age limit is 5 to 80 years. Children above 3 months can be covered provided one or both parents are covered concurrently.
Significant Exclusions
Pre Existing Diseases, Diseases Contracted During first 30 Days, Cost Of Spectacles / Contact Lenses, Dental Treatment, AIDS, Pregnancy and certain specified diseases during first year of the policy.
Group Discount
Policy can be given to Corporate Body, Institution, Association and slab wise group discount is admissible on standard premium if the group size exceeds 100. Larger the group size higher is the discount. Favorable claims experience is recognized by discount and conversely, unfavorable claims experience attracts loading on renewal premium.
Group Personal Accident Insurance Policy
Scope of Cover
The Insurance Policy compensates the Insured in case of Accidental Death, Loss of limbs and eyes, Permanent Total Disablement and Permanent Partial Disablement
Sum Insured
The Sum Insured can be decided on the basis of earning capacity of the Insured Person.
Premium
The Premium chargeable for the policy depends on occupation of the Insured person and the Table of benefits availed.
Significant Exclusions
The Insurance Policy does not cover losses arising out of suicide, self-injury, venereal diseases, war and nuclear perils and pregnancy.
Group Discount
The group Policy is eligible for group discount based on the size of the group. The group discount is slab-wise and increases with the size of the group.
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