IRDAI UIN: IRDAIICI21V012025
✓ Standard CIS Audited
individual
ICICI LOMBARD Super Top-Up Plus
Statutory Customer Information Sheet (CIS) analysis under IRDAI (Protection of Policyholders' Interests) Regulations, 2024.
Entry Age 18 to 99 Years
Sum Insured Range ₹5L to ₹25L
Mandatory Co-Pay 0% Base
TPA Desk Model in house_desk
1. Room Rent & ICU Limits (The Haircut Risk)
✓ Zero Haircut Guarantee Room Category Allowed:
no sublimit
ICU / ICCU Allowance:
no sublimit
2. Waiting Periods & The 5-Year Moratorium Lock
Initial Waiting Period:
30 Days
Accidental hospitalization covered from Day 1.
Pre-Existing Diseases (PED):
36 Months
Rider available to reduce to 12 months.
Section 45 Moratorium:
5-Year Safety Lock
Claims cannot be rejected on non-disclosure after 5 years.
3. Procedure Sub-limits & Modern Treatments
Cataract Cap (Per Eye):
₹40,000
Joint Replacement Cap:
₹3,00,000
Robotic Surgery Limit:
No Sub-limit
AYUSH Alternative Care:
₹1,00,000