A group health insurance policy for employees comes with multiple features and benefits. Here are a few:
No more waiting period; get your family and self-covered from day 1, includes covid-19 cover, provides day 1 coverage for pre-existing disease and condition, no restrictions on room rent limit, cashless and reimbursement options are available, no need for a health checkup, maternity benefits and newborn baby cover is included
Yes, hospitalization and medical treatment for Covid-19 is covered under ICICI Lombard Group Health Insurance.
Internal congenital diseases are covered under this scheme, while external abnormalities are only covered if the case becomes life-threatening in the near future.
Yes, ICICI Lombard GHI provides cover for treatment arising out of AYUSH but only in a government-recognized hospital on an inpatient basis.
A non-network hospital is a health institution that is not included in the insurers' list of network hospitals for cashless treatment. You can only avail of reimbursement facilities in such hospitals.
There are multiple reasons for a claim to be denied by the insurer. Here are a few:
1. Treatment for substance abuse
2. Treatment is out of the scope of cover
3. Non-disclosed pre-existing disease
4. Intentional harm or self-inflicted wounds
5. Sum insured amount is exhausted
There is no such limitation on the number of claims made in a year, provided you have a sufficient amount of sum insured remaining from the total cover.
No, ICICI Lombard GMC (group medical cover) does not cover medical treatment globally.