Policy Coverage | Key Benefits | Eligibility | Need for Policy | Claim Process | Why buy online |
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Policy Coverage
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Rishtey – Parents' Health insurance offers comprehensive Health Insurance Package for your loved ones. It offers the following specialised covers:
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Hospitalization expenses including -
- Room charges
- Diagnostic test(s) expenses
- Doctor's / surgeon's fee
- Cost of medicines |
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Medical expenses incurred in the event of sudden illness or accident. |
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Covers 30 days prior and 60 days post hospitalization expenses. |
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Expenses on technologically advanced treatment which do not require hospitalization. |
Click here to view the Premium Table
Coverage limit for specific ailments / conditions:
Certain specific ailment(s) / surgery(s)/ procedure(s) are covered up to pre-defined limits under this policy (subject to the total sum insured). Click here for the details.
All others ailment(s) / surgery(s)/ procedure(s) are covered up to the sum insured under the policy.
For more details, kindly refer to the Policy Wordings.
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Key Benefits
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A whole host of benefits that makes Rishtey – Parents' Health Insurance the best and the most useful New Year gift:
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Pre-existing illnesses can be covered after the 4th year provided the policy is renewed with us for four consecutive years. |
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Reimbursement of return airfare (Rs. 20,000 for Plan 2 and Rs. 10,000 for Plan 1) of the NRI (applicant) in case he is required to visit his dependent (insured) who has been hospitalised due to specified medical emergencies -Stroke, Heart Attack (MI), Coronary Artery Bypass, Graft Surgery, Kidney Failure, End-stage Renal Failure, End-stage Liver Disease and Brain Tumour Surgery. |
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Nursing care benefit of Rs. 500 per day for a maximum of 3 days, in case the insured requires nursing care post discharge. |
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Every insured is provided a free health check-up post issuance of policy. For anyone above 55 years of age, cashless benefit will be activated as soon as the health check-up process is completed. |
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Income tax benefit u/s 80 D for your income in India. |
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Rishtey - Parents' Health Policy offers a 2-year cover for your dependents against a single premium, with automatic renewal after the first year. |
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The policy can be renewed up to the age of 75 years. |
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Pay through your ICICI Bank Credit Card and avail of Interest-Free equal monthly installments (EMI) for your premium.
Note: EMI option subject to minimum annual premium of Rs. 1500. Click here to know more. |
Value added features
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Online claims status tracking facility on our website |
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We shall intimate you via E-mail and SMS when the Insured files a claim* |
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We will call your dependants in India to explain the policy coverage and claims process |
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Send as a Christmas Gift - Gift this policy to your loved ones along with a personalized message |
*E mail is sent to the ID entered while registering on our website. SMS is sent only to Indian mobile numbers.
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Eligibility
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You can gift Rishtey Parents' Health Insurance to your parents, grandparents, spouse and children:
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Minimum age of the insured should be 3 months and maximum age should be 65 years (as on last birthday). |
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Applicant can buy the policy for self, spouse, children and parents. The insured should be in India for the purpose of claim. |
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The policy can be renewed up to the age of 75 years. |
Click here to view our Policy Exclusions.
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Need for Policy
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Health care costs have been rising at more than 20 percent on an annualised basis and out of pocket spending on healthcare still continues to be around 75 percent. Source TOI |
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Protect your family back home against unforeseen medical contingencies |
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Individuals require to have an insurance that caters solely to their health needs, apart from life insurance and investments, that provides cover against expenses incurred during hospitalization, as well as before and after |
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Avail cashless hospitalisation through ICICI Lombard's network of 3500 hospitals across India |
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Why buy online
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Why buy online at www.icicilombard.com? We give you a few of many reasons why -
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Digitally signed policy is available 24X7 online, customer can take prints instantly. The hard copy of the policy is couriered the same day (or next day if customer buys after 6 PM) and will reach him/her within 2-3 working days. |
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0% EMI option: You can pay online through ICICI Bank Credit Card at 0% EMI (interest-free EMI).
Note: EMI option subject to minimum annual premium of Rs. 1500. Click here to know more. |
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No Paperwork |
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