50 Lakh Cover for Rs 7,123/-. Too good to be true ?

[the_dark_knight]

My employer provided mandatory health insurance (which is a group policy) allows me to add dependents for extra premium which means I can purchase for multiple people

Yeah ofc corporate employer policy covers dependents too with no age bar is the main usp of such corporate policies
I was just clearing the confusion around group policy. So a corporate policy (which is a group policy) may not just cover a group (family) but an individual( just the employee) also.

 

[iamrohit.888]

Yeah ofc corporate employer policy covers dependents too with no age bar is the main usp of such corporate policies
I was just clearing the confusion around group policy. So a corporate policy (which is a group policy) may not just cover a group (family) but an individual( just the employee) also.

As an individual can i go for this policy? Any major cons apart from portability?
Any issue with cashless claim?

 

[harshit_agrawal]

Can someone please give me the policy copy who have taken this policy? I want to check coverage for "Robotic surgeries".

 

[harshit_agrawal]

It's only available for icici customers through branch only. I recently got this policy

Can you please give the policy wordings? Not able to find it anywhere.

 

[the_dark_knight]

Here is the pdf.
Please do share reviews, if you have experience with the insurance plan

just a few msgs above @harshit_agrawal

 

[harshit_agrawal]

just a few msgs above @harshit_agrawal

I checked this, very few details in this. I need full policy wordings which is usually of 20-30 pages. Tried searching on Google too with UIN mentioned in above PDF but not able to get full pdf anywhere. And on ICICI Lombard site, health shield 360 is not showing in products.

 

[the_dark_knight]

I checked this, very few details in this. I need full policy wordings which is usually of 20-30 pages. Tried searching on Google too with UIN mentioned in above PDF but not able to get full pdf anywhere. And on ICICI Lombard site, health shield 360 is not showing in products.

As these ppl said its a group policy only (which is also given same to icici employees) in such cases as per my knowledge individuals cant get the policy wording copy. It is only shared with the corp org (icici bank in this case), and it is at the discretion of the org to share it with its employees.

In my corporate policy too, the company never shared the policy wordings with me on multiple requests, only a brief ppt was shared everytime.

 

[harshit_agrawal]

As these ppl said its a group policy only (which is also given same to icici employees) in such cases as per my knowledge individuals cant get the policy wording copy. It is only shared with the corp org (icici bank in this case), and it is at the discretion of the org to share it with its employees.

In my corporate policy too, the company never shared the policy wordings with me on multiple requests, only a brief ppt was shared everytime.

Have you taken this ICICI policy? If yes, on paying premium they didn't sent anything on email? Because in this PPT no mention on coverage of robotic surgery and also about room rent, ICU rent, cataract coverage, etc.

 

[the_dark_knight]

Have you taken this ICICI policy? If yes, on paying premium they didn't sent anything on email?

no i haven't taken this, i came to know recently from ppl who took in this forum.
Although i am planning to visit icici, open acc and check and confirm the offered policy myself

 

[harshit_agrawal]

no i haven't taken this, i came to know recently from ppl who took in this forum.
Although i am planning to visit icici, open acc and check and confirm the offered policy myself

Let me know once you take the policy.

 

[AlgoTrader]

please keep us posted

 

[iamrohit.888]

I checked this, very few details in this. I need full policy wordings which is usually of 20-30 pages. Tried searching on Google too with UIN mentioned in above PDF but not able to get full pdf anywhere. And on ICICI Lombard site, health shield 360 is not showing in products.

Here policy wordings

https://www.icicilombard.com/docs/default-source/default-document-library/1440_bbg.pdf

 

[harshit_agrawal]

Here policy wordings

https://www.icicilombard.com/docs/default-source/default-document-library/1440_bbg.pdf

These are the general wording for group health for this particular product. And not for specific policy which we plan to take, policy for bank account customers.

 

[sm9811911]

These are the general wording for group health for this particular product. And not for specific policy which we plan to take, policy for bank account customers

Why would that be different?

 

[harshit_agrawal]

Why would that be different?

Room rent capping and ICU capping will be in that only. And any other exclusion/inclusion that they want to modify.

 

[sm9811911]

Room rent capping and ICU capping will be in that only. And any other exclusion/inclusion that they want to modify.

Got your point.

 

[iamrohit.888]

I purchased this policy and these are the documents i received.

About Room rent capping, i confirmed with cc, no capping.

 

[AlgoTrader]

I purchased this policy and these are the documents i received.

About Room rent capping, i confirmed with cc, no capping.

how did you purchase it bro? can you explain the steps?
should I just walk in to the branch and ask for group health insurance policy? how to go about it?
what about the documents needed and do we need to do any checkup or any other steps?

 

[harshit_agrawal]

I purchased this policy and these are the documents i received.

About Room rent capping, i confirmed with cc, no capping.

Pls attach the documents here so that everyone can see. If not, then please send it via DM (if possible).

 

[sm9811911]

I purchased this policy and these are the documents i received.

About Room rent capping, i confirmed with cc, no capping.

Check what are terms on room capping section.