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  • ICICI Lombard Health Insurance

    Car Insurance
    • Premiums as low as Rs12/day for coverage of Rs.4 Lakhs*
    • 10,000+ hospitals for cashless treatment
    • Claim up to Rs. 55,000 deduction under section 80D**

    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

    This insurance company/organisation is not a partner of Bankbazaarinsurance.com. The content provided here is for informational purposes only. Readers should visit the branch office/website of the insurer for more details. The logos, trademarks, and other intellectual property on display belong to their respective owners.

    ICICI Lombard Health Insurance Reviews

    • review Health Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      My company has provided me the health insurance with ICICI Lombard. I did not claimed yet by using this policy. They have provided the policy only for me. I don't know about the premium amount since its paid by the company and they have given a card. I have not checked about the hospital list mentioned in the policy. Upto Rs. 3 lakhs i can utilize by using this policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 11, 2018
    • review Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I am continuing from last 3 years with the same health insurance and i had no claim and it covers complete family and the premium i am paying for yearly once is like 14k. The coverage is for 10 lakhs and there is a free health checkup but not availed it so far.
      Was this review helpful? 1
      , mumbai
      Reviewed on Aug 09, 2018
    • review Health Insurance
      "Very Good policy"
      0.5 5.0/5 "Blown Away!"
      I had taken my health insurance policy with ICICI Lombard. I'm using this policy for past 5 years. They are offering a maximum amount of Rs. 8 lakhs. I can avail my services with cashless treatment. I'm paying the premium of Rs. 28500 every year. This policy is taken for me as well as my family too.
      Was this review helpful? 0
      , gwalior
      Reviewed on Aug 09, 2018
    • review Health Insurance
      "BEST"
      0.5 4.0/5 "Great!"
      I have been using my health insurance form the ICICI LOMBARD GENERAL INSURANCE since 1 year and i had no claim. Premium i pay through my salary and it is a corporate policy. Policy coverage is applicable for hospitalization and this includes my family.
      Was this review helpful? 0
      , guwahati
      Reviewed on Aug 03, 2018
    • review Health Insurance
      "Process is excellent"
      0.5 5.0/5 "Blown Away!"
      My previous insurer for the health insurance was with ICICI Lombard. It was a corporate policy. I had couple of claims and every time the process was pretty smooth. There were cashless benefits and it did not involve a huge process. The coverage was for my family and I. This year I am using Vidal insurance as a corporate policy and it has not been a up to the mark process as I need to get a pre- authorization before using the cashless facility.
      Was this review helpful? 1
      , palakkad
      Reviewed on Jul 15, 2018
    • review Health Insurance
      "Good. Can do better in the premium cost"
      0.5 3.0/5 "Satisfactory"
      I have taken my health insurance with ICICI Lombard. The process to get this policy was easy. I have taken a family floater. It would be better if the premium cost is lesser as I pay 11,700 per year and the medical coverage is of three lakhs. There is a no claim bonus which I get and my coverage is doubled.
      Was this review helpful? 0
      , thane
      Reviewed on Jul 11, 2018
    • review Health Insurance
      "AVERAGE"
      0.5 2.0/5 "Expected more"
      I am the 7-8 years customer, unfortunately i missed to pay the premium i never got the reminder call for the premium payment i never expected this kind of service. I had a bad experience because they have not reminded me the premium has to be paid. Apart from that the premium is good and also the coverage is good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 10, 2018
    • review Health Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      As i am using my health insurance since last 3 years i am satisfied with the insurance. The premium for my insurance i pay it through the on line for yearly once. I had no claiming and also added on that there is no free health checkup in my insurance. There is a disease coverage in my policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 07, 2018
    • review Health Insurance
      "Good overall"
      0.5 4.0/5 "Great!"
      I have taken a health insurance policy with ICICI Lombard. The process to get this policy is was good. It was convenient. They have offered me a good medical coverage. There are features of cashless hospitalization. The premium is nominal too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 06, 2018
    • review Health Insurance
      "Process is good"
      0.5 4.0/5 "Great!"
      I have purchased a health insurance policy with ICICI Lombard. It is a family floater. Though I have not had a claim yet, the process was quite easy to buy this policy. It has a cashless hospitalization benefits and the premium is also normal.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 13, 2018
    • review Health Insurance
      "Overall good"
      0.5 4.0/5 "Great!"
      ICICI Lombard was overall good for the two wheeler insurance. There were good benefits and the IDV was also good. But the premiums were costlier when compared to the other companies. The customer services and response was good. In all it was a nice process.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 13, 2018
    • review Health Insurance
      "Good services and benefits"
      0.5 4.0/5 "Great!"
      I had been a customer of ICICI Lombard for the last 15 years for the health insurance policy. Though I never had a claim till date, I did not face any problems with them. They contact me and over the phone they will renew my policy. They have also provided me with a good medical coverage and the premium is also normal. Since I am a long time customer I have a lot of benefits in the policy, there is a coverage for Ayurvedic treatment, critical illness, cash less facility and almost everything is covered.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 13, 2018
    • review Health Insurance
      "AVERAGE"
      0.5 4.0/5 "Great!"
      I have been holding my health insurance from the ICICI LOMBARD GENERAL INSURANCE is for since 7-8 years. I had no claiming experience. Documentation i have done it through the on line. Coverage is good comparatively it depends on the premium. Premium is 16k that i pay every half yearly. Hospital list is okay.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 05, 2018
    • review Health Insurance
      "GOOD"
      0.5 3.5/5 "Pretty good"
      It is a accidental policy that i have taken from the ICICI LOMBARD GENERAL INSURANCE. It is a on line insurance that i have taken from. Tenuity is for 1 year. Payment i do in on line. I had no claim experience so far from my insurance. I am the customer of the ICICI so that the reason that i am holding with.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jun 03, 2018
    • review Health Insurance
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      I already have my health insurance with ICICI Lombard. The customer services and response is good and they have also processed my policy with ease. The policy coverage is for eight lakhs and this provide also provides good benefits and features.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 03, 2018
    • review Health Insurance
      "Very Good Policy for Family"
      0.5 5.0/5 "Blown Away!"
      From ICICI Health Insurance i have taken this policy and I'm paying the premium of Rs. 6000 annually. Their is no cashless transaction is available. I have to make the payment and then i claim it through the policy. I can claim upto 5 lakhs. I took this policy for my whole family. Tax benefits are there.
      Was this review helpful? 0
      , jhansi
      Reviewed on May 15, 2018
    • review Health Insurance
      "BEST"
      0.5 4.5/5 "Excellent!"
      From ICICI i have my health insurance, while doing my documentation it is easy and good. I am getting a very good response from them. The executives collected my physical documents at my doorsteps. So it is easy to do it. Once i had my claim experience and in that too i got money up to my expectation.
      Was this review helpful? 0
      , guntur
      Reviewed on May 14, 2018
    • review Health Insurance
      "Good Protection for Health"
      0.5 5.0/5 "Blown Away!"
      My ICICI lombard medical cover value is good, they gave me Rs. 25 lakhs for me and Rs. 25 lakhs for my spouse. I make the premium around Rs. 48,000 per annum, ICICI Lombard gave me 60% of coverage and 40% coverage on spouse name. They do have pre existing cover I have completed one year.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 13, 2018
    • review Health Insurance
      "Good Protection for policy"
      0.5 5.0/5 "Blown Away!"
      ICICI Lombard is really good, 10 years back I took health insurance from them. Many of them not aware of this policy, now they have stopped it. Till my age of 75 years, they provides cash less hospitalization and pre existing , they got tie up with good hospitals. Every year I should pay the premium around Rs. 18,000 for three persons.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 05, 2018
    • 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
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