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NRI

Health Insurance

Cause your health is our wealth

Key Features of Health Insurance

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Anywhere
Cashless

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Pre-Existing disease cover after 30 days

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Maternity &
baby cover

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OPD Cover

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Cover up to
3 crore

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Exclusively for ICICI Direct Customer

Get ₹10 Lakh Sum Insured at just ₹ 900 per month
Your age
25 Yrs
The premium is for 1 Adult only. The premium varies based on the age selected on the slider (25 years old selected by default). T&C Apply.
Get quote

Our Offerings

Health Shield 360

  • ✓Pre-Existing Disease cover after 30 Days
  • ✓Annual Health Check-up
  • ✓OPD Covered
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1CrCover Upto
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CashlessHospitals
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99%Claim Settled
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Get quote Brochure

Health Shield 360 Top-up

  • ✓ Worldwide Cashless Hospital
  • ✓ Tax Saving
  • ✓ Claim Protector
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50 LakhCover Upto
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CashlessHospitals
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99%Claim Settled
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Get quote Brochure

Things to Check before you buy

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Inclusions and exclusions of the plan

The coverage of the health insurance plan (inclusions) and the conditions against which a claim cannot be made (exclusions) decide the scope of the policy. You must have total clarity about both before purchasing health insurance

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Opting for health insurance at the earliest

Buying health insurance early in your life is good. You don’t want to go scouting for ideal health policies when you have crossed a certain age. Remember that now is the right time to buy health insurance if you have not done so yet.

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The waiting period

The waiting period is the time when you cannot raise a claim against the health insurance plan. It is usually applicable to pre-existing diseases and maternity benefits. It can stretch from 9 months to a few years, depending upon the plan you purcharsed

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Specific treatments and diseases

Medical insurance plans list some specific illnesses and treatments for which coverage is available after a specified duration

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Room rent limit on the health insurance plan

The room rent limit in health insurance specifies the maximum room rent coverage allowed under the policy. If the policyholder chooses a hospital room with a higher rent, he would have to proportionately share the load of the entire hospital bill.

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The availability of add-on covers

Add-ons are optional coverages you can choose with health insurance plans for increasing the scope of coverage. Note that every add-on cover requires an additional premium which is added to the premium of the base policy

Factors Affecting Health Insurance Premium

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Age

Age is one of the crucial factors that determine your health policy premium. As a general rule, the older you are, the higher your premium will be, and vice versa

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Pre-Existing Diseases

If you have any pre-existing medical condition, you may have to pay higher health insurance premiums.

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Smoking Habits

If you are a smoker or an alcoholic, the premium charged will be higher when compared to that of a non-smoker or someone who doesn’t consume alcohol.

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Occupation

Your occupation can significantly impact the cost of your insurance policy. Working in hazardous conditions such as a construction site or a mine increases insurance premiums.

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High BMI

High BMI BMI index directly relates to diseases such as diabetes, obesity, heart disease, etc. A person with a high BMI index has to pay a higher premium on their health insurance.

Who Should Buy Health Insurance?

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Any Individual who turns 18 should have their health insurance

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Any individual buy health insurance for Self and parents

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Any unmarried female working professional should take a policy with maternity before marriage

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Any individual who is staring a family and has financial responsibilities

Corporate Health Insurance

Parameter
 Corporate Insurance Self Policy
Validity
Valid only till the time you are employed in that company
Life time renewal and is valid till the premiums are paid
Coverage
As per company requirement and many a times is not sufficient for covering the needsof the family
Policy coverage is customizable as per self-requirement
Pre-Existing coverage
All Pre-existing illness are covered
Declared Pre-existing illness are covered as per waiting period of policy  
Other clauses
Many a times the policy has co-payment (out of pocket payment) clause, room rent capping, etc.
All clauses are customizable and an individual can opt for a zero co-payment (out of pocket payment) 
Renewal
At the time of renewal, you cannot add any additional feature nor upgrade nor get benefit of No claim. 
At the time of renewal, you get No Claim bonus and have the flexibility to include additional features & upgrade the coverage 
Benefits
No benefits like free health check-up, discount at renewal for health lifestyle 
Most leading insurance companies at the time of renewal offer free health check up and get rewards basis the lifestyle in past year (as recorded in their app) 

Myth Buster!

Myth

Pregnancy not covered under health insurance

Truth

Insurers offer pregnancy and MATERNITY COVERAGE subject to certain constraints. While some cover a restricted number of pregnancies, others have a waiting period of three years before covering such claims.

Myth

I need to be hospitalized for more than 24 Hrs

Truth

The common myth that hospitalization is mandatory for any claim through insurance, is no more a prerequisite. Many insurance companies have started providing cover for chemotherapy, radiotherapy, eye surgery, dialysis, etc. - all day care procedures.

Myth

Buying online is not very safe

Truth

In this digital era, buying anything is convenient and just a click away - health cover included. All the details are uploaded on the websites with secure payment gateways and complete privacy.

Myth

I am young and fit, so I don’t need a health Insurance

Truth

Ask anyone who’s sick, or injured, if they saw it coming. The truth is, you never know what’s coming around the bend that could impact your health at any age. When you have health insurance, you’ll be protected in case something unexpected does occur.

Things to know before Insurance

Account opening eligibility

The following investors are eligible to open a Demat Account

  • Any resident Indian with a PAN can open an account.
  • Hindu Undivided Family (HUF) can open a Demat account. The account will be opened in the name of the leader or the eldest male member of the family.
  • Non-Indian Residents (NRI) can also participate in the Indian financial markets by opening a Demat Account. The investor has to specifically inform the DP that it is NRI Account.
  • Domestic companies are also eligible to open an account.
Disclaimer :+

The information mentioned herein above is only for consumption by the client and such material should not be redistributed.

ICICI Securities Ltd. ( I-Sec). Registered office - ICICI Venture House, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400 025, India, Tel No : 022 - 6807 7100. I-Sec acts as a Composite Corporate agent having registration number –CA0113. Corporate Agent of ICICI Prudential Life Insurance Company Ltd, HDFC Life Insurance Company Limited, ICICI Lombard General Insurance Company Ltd, Care Health Insurance Ltd, Star Health and Allied Insurance Ltd, HDFC ERGO General Insurance Company Limited, ManipalCigna Health Insurance Company Ltd, Aditya Birla Health Insurance Co. Limited, Tata AIG General Insurance Company Limited & Go Digit General Insurance Limited. Please note, Insurance related services are not Exchange traded products and I-Sec is acting as a corporate agent to solicit these products. All disputes with respect to the distribution activity, would not have access to Exchange investor redressal forum or Arbitration mechanism. The contents herein above shall not be considered as an invitation or persuasion to trade or invest. I-Sec and affiliates accept no liabilities for any loss or damage of any kind arising out of any actions taken in reliance thereon. Investments in securities market are subject to market risks, read all the related documents carefully before investing.Insurance is the subject matter of the solicitation. The advertisement contains only an indication of the cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. ICICI Securities Ltd. does not underwrite the risk or act as an insurer.

By clicking on above advertisement, you understand and agree to allow ICICI Securities Ltd to contact you through Calls, SMSs, Emails etc. to offer you other products and services of ICICI Securities, on all days (including Sundays), irrespective of your preference.

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