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    ICICI Lombard Health Insurance

    Car Insurance
    • Premiums as low as Rs10/day for coverage of Rs.5 Lakhs
    • 10,000+ hospitals for cashless treatment
    • Get plans with no limit on room rent

    One of the most sought after names in the health insurance service sector, ICICI Lombard Health Insurance offers a set of comprehensive plans for both individuals and families. ICICI Lombard General Insurance Company Limited is a joint venture between Fairfax Financial Holdings Limited and ICICI Bank Limited.

    Features & Benefits of ICICI Lombard Health Insurance

    • Digitally signed policy: It is very easy and convenient to purchase an ICICI Lombard Health Insurance policy. Purchases can be made at the click of a button without any hassles on a 24/7 basis through the digital signature feature.
    • Comprehensive coverage: The health insurance policies available from ICICI are specifically designed to cater to a wide range of needs, thereby providing extensive coverage and also a good set of add-on options.
    • Minimal documentation: With everything going digital, purchasing, renewing or making claims has become a much faster and efficient process. A prospective buyer can purchase a policy with very minimal documentation online.
    • Rewards program: The ICICI Lombard Health Insurance policy offers an attractive rewards program where incentives are provided for healthy life decisions. This is a part of the Wellness Program that was launched by the company. Policyholders can earn wellness points with this initiative.

    Plans provided by ICICI Lombard Health Insurance

    Plan Name Plan Basis(individual, family, etc) Sum Insured (Min and Max) Policy Term
    ICICI Lombard Complete Health Insurance Individual and Family Min: Rs.2 lakh Max: Rs.50 lakh 1 or 2
    ICICI Lombard Health Booster Plan Individual and Family Min: Rs.5 lakh Max: Rs.50 lakh 1 or 2 year
    ICICI Lombard Personal Protect Plan Individual and Family Min: Rs.3 lakh Max: Rs. 25 lakh 1, 3, or 5

    Premiums may vary depending upon factors like age, location, term of the plan and prevailing taxes/GST.

    ICICI Lombard Complete Health Insurance

    The ICICI Lombard Complete Health Insurance is a comprehensive policy that comes with good coverage options, add-ons and a wide range of benefits.

    Unique Features of ICICI Lombard Complete Health Insurance

    • The policy provides coverage for all hospitalization expenses such as room rent, drug fee, doctor or consultant fee, pre, and post-hospitalization expenses, cashless claim services, ambulance cover, donor expenses, etc
    • Day care treatment is also covered for treatments such as chemotherapy, radiotherapy or dialysis
    • This health insurance policy comes with a lifelong renewability feature, floater option
    • Tax benefit applicable under Section 80D of the Income Tax Act, free health check-up
    • Alternative treatments such as Unani, AYUSH, Ayurveda, and Homeopathy will be covered under this plan
    • The add-on options include daily hospital cash allowance
    • Critical illnesses covered include end stage liver failure, kidney failure, permanent paralysis of limbs, bone marrow transplant, major organ transplant, open chest CABG, cancer of severity that is specified, first heart attack

    Plan Details

    Policy term 1 or 2 years
    Entry Age Minimum age is 3 months
    Plan Basis Individual and Family
    Sum Insured Range Min: Rs.2 lakh Max: Rs.50 lakh
    Premium Depends on various factors such as age, gender, sum insured, etc
    Medical Screening Not a must for those below 46 years of age
    Co-Payment As mentioned in the policy document
    Waiting Period 30 days, 24 months for specific diseases or pre-existing illnesses. 48 months for pre-existing illnesses for those with Rs.2 lakh sum insured
    No Claim Bonus Yes
    Discounts Cumulative bonus

    ICICI Lombard Health Booster Plan

    The ICICI Lombard Health Booster Plan is a top plan that offers customers the benefit of extra payment coverage, beyond the limit of the existing health insurance policy. This plan can also be purchased by those who do not have an existing health insurance policy.

    Unique Features of ICICI Lombard Health Booster Plan

    • This policy provides coverage for reset benefit, donor expenses, preventive health care treatments, ambulance cover, domiciliary hospitalization, day care treatment, pre, and post hospitalization cover, in-patient treatments
    • The add-on options in this plan include critical illness cover, funeral expenses, rehabilitation services, personal accident cover, convalescence and daily cash benefit
    • Up to Rs.10 lakh can be availed as critical illness cover
    • Tax benefit applicable, health check-up service, floater benefits included
    • Alternative treatments covered

    Plan Details

    Policy term 1 or 2 year
    Entry Age Minimum age is 6 years
    Plan Basis Individual and Family
    Sum Insured Range Min: Rs.5 lakh Max: Rs.50 lakh
    Premium Depends on various factors such as age, sum insured, etc
    Medical Screening Must for those above 45 years
    Co-Payment As mentioned in the policy document
    Waiting Period 30 days, 24 months for specific diseases or pre-existing illnesses.
    No Claim Bonus Yes
    Discounts Cumulative bonus

    ICICI Lombard Personal Protect Plan

    The ICICI Lombard Personal Protect Plan is designed to provide protection against personal accidents.

    Unique Features of ICICI Lombard Personal Protect Plan

    • The ICICI Lombard Personal Protect Plan provides coverage to accidental death. In case of the policyholder’s untimely demise due to an accident, the nominee will be entitled to a compensation sum
    • In case of permanent total disablement due to an unfortunate event, coverage will be provided for the same under the health insurance plan
    • Additional covers include daily hospitalization allowance and hospitalization related expenses

    Plan Details

    Policy term 1, 3, or 5
    Entry Age Between 18 to 80 years
    Plan Basis Individual and Family
    Sum Insured Range Min: Rs.3 lakh Max: Rs. 25 lakh
    Premium Varies based on age, sum insured and other factors
    Medical Screening Not necessary
    Co-Payment For details on co-payment, refer to the policy document
    Waiting Period For details, refer to the policy document
    No Claim Bonus Yes

    Checklist before Buying ICICI Lombard Health Insurance

    • Check the claim settlement ratio
    • Look into exclusions
    • Finalise the coverage amount that best suits personal needs
    • Keep all documents ready

    Documents Required for Purchasing ICICI Lombard Health Insurance

    • Id proof
    • Address proof
    • Medical reports, if asked

    Reasons to choose ICICI Lombard Health Insurance

    Cashless claim services
    Customer support
    Hassle-free claim settlement

    Incurred Claim Ratio of ICICI Lombard Health Insurance

    The incurred claim ratio refers to the total number of claims that are settled by the insurance company in a particular year. This number is usually calculated using a formula and is given out as a percentage.

    Year Incurred Claim Ratio
    2016-17 90.22%

    Extra Benefits from ICICI Lombard Health Insurance

    Grievance Redressal ICICI Lombard has a very efficient grievance redressal mechanism that acts a platform for policyholders to file complaints in case they have faced any issues. Complaints can be filed by email, through the toll-free number or visiting a branch.
    Expert Blogs Well researched and informative blog post articles are published by ICICI to give customers useful information about health and wellness.

    ICICI Lombard Health Insurance Renewal

    To renew an insurance policy, log on to the ICICI Lombard website and click on the ‘Renewals’ option and then proceed to choose the ‘Renewal Policy’ link. This will redirect the user to another page where one has to enter the type of insurance to be renewed. There are three ways to renew an insurance policy: Using the policy number, mobile number or email id.

    ICICI Lombard Health Insurance Network Hospitals for Cashless Treatment

    ICICI Lombard has an extensive network of cashless claim hospital across the country where policyholders can avail direct healthcare services by making cashless claims. To identify the closest network hospital log on to their website.

    Claim Procedure in ICICI Lombard Health Insurance

    Cashless claim:

    • Inform the insurance provider immediately
    • Seek prior approval, provide health card
    • Bills will be paid by the insurance company directly to the network hospital

    Reimbursement claim:

    • Fill claim form
    • Bills, invoices, and discharge summary should be kept ready
    • Submit the relevant documents along with the claim form
    • Reimbursements will be made within 7 working days

    Terms and Conditions of the Insurer

    • The insurance provider has the right to withdraw the policy at any point of time if any information provided by the policyholder is untrue, misrepresented or concealed.
    • Incomplete claim forms will not be processed
    • Reimbursement claims will not be processed until documentary evidence in the form of bills, invoices and discharge summary is not provided

    ICICI Lombard Health Insurance Reviews

    • review Health Insurance
      "Premium should be lower and wider network should be improved"
      0.5 4.0/5 "Great!"
      When my wife undergone major surgery, ICICI lombard gave covers 80% of cover, remaining 20% of amount made from my end. She got treatment in altius hsoptial, they gave good treatment with the insurance. But ICICI Lombard premium was high around Rs. 33,000 for the Medical cover of Rs. 8 lakhs fr the entire family. It would be great if they increase tie up with more private hospitals.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 05, 2018
    • review Health Insurance
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have taken a Health Insurance with ICICI Lombard.The premium amount 25,000 including my spouse.I have taken this for last five years.I get a policy coverage of 4-5 lakhs.I pay it through cash or by cheque.I have no claim experience till date .
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 04, 2018
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