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Health Insurance has been a necessity is everyone’s life due to increase in medical expenses and different types of diseases. It insures against unforeseen medical crisis and also provides financial stability to the family. Hence, it is advisable to buy health insurance plan as soon as possible.

There several companies who provide Health Insurance and one amongst them is ICICI Lombard Health Insurance. It is one of the leading companies in Insurance sector. It offers various types of health insurance plans which can protect your family financially during any unexpected medical crisis. It should also provide other additional services in the existing plan of the insured to improve their insurance cover.

Ways through which ICICI Lombard Health Insurance can help to improve Insurance cover

ICICI Lombard Health Insurance can help their customers to improve their insurance cover in several ways.

• Facility to renew for lifelon-ICICI Lombard health insurance policy can provide the facility to renew their policy for life-long, i.e., for those who are beyond 90 years of age. This can provide support to people at their old age.
• Coverage of family under one policy-This type of policy is known as Floater cover. In this ICICI Lombard health insurance can cover the family for same insured amount under one policy by paying one premium amount.
• Provide coupons for Free Health Check up-ICICI Lombard health insurance can provide coupons for free health check up every year. Provided, these check up will be done in selected hospitals. They can provide these coupons to each and every customer for every year.
• Cover Ambulance facility-ICICI Lombard health insurance can cover Ambulance facility in their insurance plan during emergency conditions.
• Wellness Program-A wellness program can be conducted in which they can reward points to their customers for their good behavior while availing several wellness services. These points can be tracked by insurance company itself.
• Recovery Benefit-This means ICICI Lombard can reimburse a lump sum amount to the insured, post hospitalization. In this way, the insured can avail his insurance benefits even if he/ she has not been hospitalized in those hospitals in which ICICI Lombard has tie-up with.
• Top-ups-At times, people have to add in a family member’s name in their existing policy, for example, if a person is getting married and wants to add his/her spouse’s name in its existing policy. For this, ICICI Lombard can offer a top-up plan wherein the insured can add their spouse’s name under same sum insured by paying same premium amount. In this way, insured will not have to buy a new plan and also it will be cost effective.
• Cover other medical treatment-ICICI Lombard should provide insurance on other medical treatment like Ayurvedic, Homeopathic and Naturopathic treatment. This will be helpful to their customers as they will have various options for treatment of their family.
• Cover medical treatment given at home-Health insurance provides the expenditure incurred for the period of hospitalization. But there are situation where patients may not hospital room or may not be in the condition to transfer them to the hospital. In such cases, these patients can be given medical treatment at home. This is called Domiciliary Hospitalization. ICICI Lombard should cover such services in their plans which will be beneficial to their customers.
• Insurance of attendant-When a patient is admitted in a hospital, an attendant is required to look after the patient. For this, certain amount is to be paid to the attendant for his personal needs, on daily basis till the patient is hospitalized. ICICI Lombard can include the insurance of the attendant for the amount paid to them for taking care of the patient. It will seem as if the insurance makes a commitment of looking after the person who takes care of the insured.

Hence, ICICI Lombard health insurance should take an initiative to improve the insurance cover of insured. This will help them to attract more customers and also it will beneficial to the customers financially and emotionally. Also, they should make their customers aware of various plans which can enhance their health insurance plan.