I had Icici Lombard Health Policy from last 12 years & Never Used. I Recently had claim for Hospitalization of around 1.3L(My Sum Insured is 5L) . to my surprise I came to at the time of settlement that My SUB-LIMIT for any NON-Surgical Hospitalization is only 25k, & same will b reimburse against my Claim.
It was big shock for me after checking policy document in detail that in any case I will get 25k max as claim in NON-SURGICAL & 75k for SPECIFIC MENTION SURGICAL hospitalization. NO USE of 5L sum assured mention in my policy.
In this Claim settlement was not sufficient to pay my Daily Hospital Room Charges .
Please always check SUB-LIMITS of ur Policy. DO NOT GO FOR ICICI LOMBARD & if u have any Check SUB-LIMIT.