ICICI Lombard Health Insurance

Network Hospitals:
Claim Settlement
Ratio: 99.7%
PED Coverage
Covered after 2 Year
Save Tax Under
Section 80D

About ICICI Lombard Health Insurance

ICICI Lombard General Insurance Company, a prominent private sector general insurance company in India, has gained recognition for its customer-centric approach and innovative product offerings. It is a joint venture between ICICI Bank Limited and Fairfax Financial Holdings Limited, based in Canada.

With a diverse portfolio of insurance products, ICICI Lombard General Insurance provides comprehensive solutions in various areas including health, two-wheeler, car, travel, business, rural, home, and marine insurance. The company aims to create value in the market by delivering reliable and customer-focused general insurance solutions.

ICICI Lombard General Insurance specializes in offering a wide range of health insurance plans. These plans are designed to provide extensive coverage and high-quality services. In addition to standard health insurance plans, ICICI Lombard Health Insurance also provides a super top-up plan, which offers coverage when the sum insured amount of the base health insurance plan is exhausted. This commitment to meeting the diverse insurance needs of policyholders sets ICICI Lombard General Insurance apart in the industry.

ICICI Lombard Health Insurance Plans Summary

ICICI Lombard General Insurance provides a diverse range of health insurance plans to cater to the needs of individuals, families, corporates, women, senior citizens, and more. Here are the top health insurance plans offered by ICICI Lombard Health Insurance:

ICICI Lombard Complete Health Insurance Policy: This comprehensive health insurance policy is suitable for individuals and their families, starting from a minimum age of 3 months. With a wide range of sum insured options from Rs. 3 lakh to Rs. 50 lakh, the plan covers various healthcare expenses such as health check-ups, in-patient hospitalization, pre and post-hospitalization expenses, and more. It also offers add-on benefits like hospital daily cash, convalescence benefit, maternity benefit, critical illness cover, and wellness and preventive healthcare.

ICICI Lombard Health Booster Policy: The Health Booster Policy is a super top-up plan that provides individual and floater coverage for your family. Available for policy terms of 1 year, 2 years, and 3 years, it offers sum insured options ranging from Rs. 5 lakh to Rs. 50 lakh, providing extensive coverage. The policy includes benefits such as domiciliary hospitalization, pre and post-hospitalization expenses, daycare treatments, in-patient hospitalization, and road ambulance cover. Additional add-on benefits like personal accident cover, hospital daily cash, convalescence benefit, and critical illness cover (for adults up to 60 years) can be availed by paying an extra premium.

ICICI Lombard Arogya Sanjeevani Policy: The Arogya Sanjeevani Policy is an affordable health insurance solution that offers sufficient coverage. It is suitable for individuals and families aged between 3 months and 65 years. The policy covers in-patient hospitalization, pre and post-hospitalization expenses, cataract treatment, AYUSH treatment, and more. Sum insured options range from Rs. 1 lakh to Rs. 5 lakh, providing affordable coverage.

These health insurance plans from ICICI Lombard General Insurance offer comprehensive coverage and a range of benefits to ensure the well-being of policyholders and their families.

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Why Choose ICICI Lombard Health Insurance?

ICICI Lombard General Insurance is a popular choice for individuals seeking health insurance plans. The following factors contribute to its preference among buyers:

  • Extensive Network of Hospitals: ICICI Lombard General Insurance has a wide network of over 5,025 hospitals, enabling policyholders to avail cashless as well as reimbursement treatment options.
  • Impressive Claim Settlement Ratio: With a commendable Claim Settlement Ratio of 78.67%, ICICI Lombard General Insurance stands out as a reliable choice for customers.
  • Quick Cashless Claim Settlement: ICICI Lombard General Insurance aims to settle claims within 4 hours, ensuring a prompt and hassle-free experience for policyholders.
  • ICICI Lombard Wellness Program: As part of its offerings, ICICI Lombard General Insurance provides a wellness program that includes various services. These encompass an online Health Risk Assessment (HRA) tool to evaluate health status and quality of life, Disease Management Services (DMS), Medical Concierge Services, and complimentary health check-ups.

These features contribute to the appeal of ICICI Lombard General Insurance as a preferred choice among buyers, providing them with a comprehensive health insurance experience.

Key Features of ICICI Lombard Health Insurance

  • 100% Sum Insured Reset Feature: ICICI Lombard health insurance plans include a unique benefit where the base sum insured can be reset up to 100% during the policy term if the sum insured is depleted due to previous claims made within the year. This reset feature can be availed once during the policy term.
  • Free Value-Added Services: ICICI Lombard health insurance plans provide policyholders with complimentary value-added services. These services encompass specialist e-consultation, online chat with doctors, health check-ups, and consultations for speech, audiology, and physiotherapy.
  • No Entry Age Restrictions: With ICICI Lombard health insurance plans, there are no restrictions on the entry age, allowing individuals to purchase the plans at any age throughout their lifetime.
  • Lifetime Renewability: ICICI Lombard health insurance plans offer the benefit of lifetime renewability, with no age restrictions imposed at the time of policy renewal. This ensures continuous coverage and peace of mind.
  • Rewards for Health Habits: Encouraging healthy habits, ICICI Lombard health insurance plans provide rewards in the form of wellness points. Policyholders can accumulate these points by practicing and maintaining a healthy lifestyle. These points can be redeemed later as per the terms and conditions.

These features contribute to the appeal of ICICI Lombard health insurance plans, providing comprehensive coverage and additional benefits to policyholders.

ICICI Lombard Claim Settlement Ratio

The Claim Settlement Ratio of a health insurance company represents the percentage of claims successfully settled by the company compared to the total number of claims received during a financial year. It serves as an important indicator of an insurance company's efficiency in handling customer claims.

As a prudent health insurance buyer, it is essential to consider the Claim Settlement Ratio of an insurer before purchasing a plan. Here are the Claim Settlement Ratios for ICICI Lombard Health Insurance in the last two financial years:

Financial Year | Claim Settlement Ratio

FY 2018-2019 | 78.32%
FY 2019-2020 | 78.67%

These figures demonstrate the insurer's commitment to efficiently settling claims and providing timely support to policyholders when they need it most. ICICI Lombard Health Insurance stands out as a reliable and trustworthy option for individuals seeking comprehensive health coverage.

Dedicated Whatsapp Claim Assistance

ICICI Lombard Health Claim Process

ICICI Lombard General Insurance ensures a prompt and efficient claim settlement process. The company boasts of settling approximately 3 claims every minute. You can opt for either cashless or reimbursement claims under ICICI Lombard health insurance policies by following a few simple steps. Here's a breakdown of the process:

Cashless Claim Process

To avail cashless treatment under your ICICI Lombard health insurance plans, follow these steps:

Step 1: Claim Intimation
In case of planned hospitalization, intimate ICICI Lombard General Insurance at least 1 or 2 days in advance. For unplanned hospitalization, inform them within 24 hours. Reach a network hospital affiliated with ICICI Lombard General Insurance and seek admission for your treatment. You can contact ICICI Lombard General Insurance at the toll-free number 1800 2666.

Step 2: Present Your Health Card
Present your Health card along with a valid ID proof at the reception of the network hospital. The hospital staff will then verify your credentials.

Step 3: Fill the Pre-Authorization Form
Complete the pre-authorization form available on the official website of ICICI Lombard General Insurance and fax it to the insurer.

Step 4: Claim Investigation
ICICI Lombard General Insurance will thoroughly analyze your claim form and supporting documents before making a decision. You can track the status of your claim by visiting the health insurance section on the official website of ICICI Lombard General Insurance.

Step 5: Claim Settlement
Your claim request will be accepted, rejected, or queried. If accepted, the insurer will settle all your medical bills and costs according to the policy terms and conditions. However, expenses not covered by your policy will have to be paid by you.

Reimbursement Claim Process

You can opt for the reimbursement facility under ICICI Lombard health insurance plans by following these steps:

Step 1: Hospitalization
Get admitted to a hospital of your choice, even if it is not in the network of ICICI Lombard General Insurance. Inform ICICI Lombard General Insurance of your admission.

Step 2: Treatment and Payment
After completing your treatment, pay the bills for the hospitalization. Keep all bills and documents related to the treatment with you for claim filing purposes.

Step 3: Submit Bills and Documents Submit the necessary bills and documents to ICICI Lombard for claim processing.
Required Documents for ICICI Lombard Health Claim Reimbursement
You need to submit the following documents for ICICI Lombard health insurance claim reimbursement:

  1. Duly filled claim form with all relevant details
  2. Original hospital bills and summary
  3. Original discharge report
  4. Medicine bills and investigation reports (x-ray, blood tests, scans, etc.)
  5. Details of future treatment and follow-up check-ups prescribed by the relevant doctor

Step 4: Claim Settlement
ICICI Lombard will process your claim and reimburse the eligible amount of medical expenses incurred during the treatment, as per the policy terms and conditions.

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ICICI Lombard Health Insurance

Network Hospitals:
Claim Settlement
Ratio: 99.7%
PED Coverage
Covered after 2 Year
Save Tax Under
Section 80D
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