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ICICI Health Advantage Apex Plus 2.0 Insurance Policy

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What is the Health Advantage Apex Plus 2.0 Policy?

ICICI Lombrd’s Health Advantage Apex Plus 2.0 policy offers a wide range of features to enhance the healthcare experience. It includes cashless hospitalization, extensive coverage for pre and post-hospitalization expenses, and additional benefits such as health check-ups and telemedicine. This policy caters to various healthcare needs while emphasizing preventive care.

Health Advantage Apex Plus 2.0 Policy Specifications

Specification

Details

Policy Name

Health Advantage Apex Plus 2.0

Insurer

ICICI Lombard

Policy UIN

ICIHLIP23075V032223

Sum Insured

Up to 3 crore rupees (Base + GCB)

Claim Settlement

Cashless and reimbursement options are provided for the convenience of policyholders

Hospitalization Coverage

Covers medical expenses for disease, illness or injury

Ambulance Charges

No cash is needed for an ambulance to the hospital or diagnostic centre

Health Check-up

Health check-ups are covered for insured individuals aged 18+ on a cashless basis

Convalescence Benefit

Fixed hospitalization allowance for 10+ days within the specified limits

Wellness and Value-Added Services

Earn health rewards through wellness programmes

Eligibility

Coverage is available for individuals 18 years and older, with the added benefit of family floater options 

Renewal Benefits

Increased sum insured for claim-free years to avail no claim bonus

Exclusions

Prior medical conditions and failure to disclose important information

Waiting Period

Waiting period for specific conditions as outlined in the policy document

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Coverage Benefits of the Health Advantage Apex Plus 2.0 Policy

ICICI Health Advantage Apex Plus 2.0 policy provides extensive coverage for different healthcare requirements, offering financial security for medical costs.

Coverage BenefitsDetails

In-Patient Hospitalization

Insurance covers hospitalization for illness or injury, with cashless facilities at network hospitals

Pre-Existing Illness Coverage

Pre-existing conditions are covered after a 36-month waiting period

Ambulance Charges

Coverage for both domestic and international ambulance transportation to hospitals

Restore Benefit

Sum insured automatically restored up to 100% if exhausted by claims in a policy year

Guaranteed Cumulative Bonus

Increased sum insured by 20% per claim-free year, up to 100% maximum

Wellness Programs


Exchange wellness points for medical services and expenses

Value-Added Services

Health rewards, condition management, appointments, teleconsultations and second opinions

Convalescence Benefits

20,000 rupees payment for hospitalization for over 10 days once every year

No Medical Test Up To 45 Years

No medical tests for individuals under 45 years for a coverage of up to 10 lakh rupees

Lifelong Renewability

The policy can be renewed annually with no age limits

Critical Illness Cover

Insurance for critical illnesses, offering financial assistance when diagnosed

Health Check-up

Yearly health check-ups covered as per plan
Domiciliary HospitalizationHome treatment covered with limitations
Tax BenefitsPremiums are tax deductible under Section 80D of the Income Tax Act of 1961

Health Advantage Apex Plus 2.0 Policy Inclusions

  • Wide range of hospitalization coverage with no room rent limit for preferred room category
  • Covers road and air ambulance expenses, ensuring timely transportation to medical facilities
  • No waiting period for accident hospitalization
  • Covers health check-ups for eligible insured individuals on a cashless basis
  • A fixed allowance for hospitalization over 10 consecutive days
  • Cashless treatment at network hospitals for easy access to healthcare
  • The insurer must settle claims or communicate non-admissibility within specified timeframes, improving customer service efficiency
  • The plan includes wellness benefits, preventive care and reward points for a healthy lifestyle
     

Health Advantage Apex Plus 2.0 Policy Waiting Periods

  • 36-month waiting period for pre-existing diseases
  • Some illnesses have a waiting period of up to 24 months (high-risk illnesses with high medical costs)
  • 30-day initial waiting period before making claims, except for accidents
  • Maternity benefits have a 24-month waiting period and newborns are covered after a waiting period from birth
  • Daycare procedures are covered with waiting periods for some
  • A grace period of 30 days for premium payment allows coverage to continue, but no claims can be made if the premium is not paid
     

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Health Advantage Apex Plus 2.0 Insurance Claim Process

The ICICI Lombard Health Advantage Apex Plus 2.0 insurance plan offers comprehensive coverage with an infinite claim amount and sum insured restoration benefit. Here's a step-by-step guide on how to file a claim under this policy.

Cashless Claim Process

Reimbursement Claim Process

  1. During hospitalization, show your ICICI Lombard e-health card and a government-issued ID card at any of the 6500+ network hospitals 
  2. TPA will help with the claim form and the ICICI Lombard team will handle the rest
  3. Your cashless claim will be assessed and you will receive an update about your treatment within 1 hour of the claim’s receipt
  4. At discharge, pay what is not covered by the policy and the rest will be settled by ICICI Lombard
  1. Pay the full bill amount at the non-network hospital and collect all the documents
  2. Submit your reimbursement claim through the IL TakeCre app, WhatsApp or by sending hospitalization documents with the filled claim form to the specified address
  3. ICICI will ensure your claim is processed and completed within 8 days of your registration
  4. Track your claim status through the IL TkeCre app, WhatsApp or the ICICI Lombard website

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Health Advantage Apex Plus 2.0 Insurance Contact Details

  • IL TakeCare App - Use the IL TakeCare app to manage insurance and wellness needs, while maintaining control over the policies.
  • Download the IL TakeCare App Ask RIA - Download the IL TakeCare APP and use RIA (Responsive & Intelligent Assistant) for seamless solutions.
  • Connect with RIA ICICI Lombard on WhatsApp - Chat with RIA ICICI Lombard on WhatsApp at 7738282666 for services and conversations.

Best Health Insurance Plans In India

When it comes to the best health insurance, there is no “one-size-fits-all” policy. It is like choosing a Netflix or OTT plan - different plans offer different benefits and have different costs. However, this age is designed to meet the diverse needs of most users, making it a versatile and comprehensive health insurance comparison page.

It is essential to conduct a thorough comparison to find the policy that best suits your needs. We have created a comprehensive table of how some of the top mediclaim policies in India compare to others in the industry.

Insurance Provider Plan Name Coverage Type Sum Insured Range Age Limit (Adults) Important Parameters
Care Advantage Health Insurance Plan Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
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ICICI Elevate Health Insurance Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
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IFFCO Tokio Family Health Protector Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
 Check Premium
Niva Bupa Aspire Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
 Check Premium
Arogya Supreme Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
 Check Premium
TATA AIG Medicare Lite Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
 Check Premium

Frequently Asked Questions (FAQs)

A.

The ICICI Health Advantage Apex Plus plan seems comprehensive, with a wide range of sum-insured options. The fact that it starts at 5 lakh rupees and goes up to 3 crore rupees gives the insured a lot of flexibility to choose the right coverage for his/her needs.

A.

The ICICI Health Advantage Apex Plus 2.0 plan premium is determined by factors such as age, location, selected sum insured and any optional riders. You have the option to obtain a quote from ICICI Lombard or an insurance broker like Investkraft.

A.

The renewal process for the ICICI Health Advantage Apex Plus 2.0 policy is generally hassle-free and convenient. A renewal notice will be sent to the insured by the insurer before the expiration of the policy. They have the option to easily renew the policy online via the insurer’s website or by reaching out to their customer care team.

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