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  • ICICI Lombard Health Insurance

    Health 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 Service"
      0.5 5.0/5 "Blown Away!"
      ICICI Lombard sent me the medical card and policy copy on time for my health insurance, they gave me the medical value of Rs. 2 to 3 lakhs, it also covers the critical illness, cash less service in reputed hospitals. Brand and reputed is good one in market.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Oct 15, 2018
    • review Health Insurance
      "Everyone needs to take health insurance policy"
      0.5 5.0/5 "Blown Away!"
      They are providing the cashless treatment facility and they will provide the money for patient's account. I hold in this health insurance policy from March. I have made a premium amount of Rs. 300 with a term insurance of 20 years and i have chosen the monthly payment mode. This policy only applicable for heart and cancer disease. I took this policy for myself.
      Was this review helpful? 0
      , guntur
      Reviewed on Oct 14, 2018
    • review Health Insurance
      "Recommendable policy for everyone"
      0.5 5.0/5 "Blown Away!"
      They used to give proper reminder calls every year to the customer before 1.5 months. I had no claim experience in this policy. I took this policy for my mother. I have received the coverage amount of Rs. 3 lakhs. The pre-existing diseased are covered since its a senior citizen plan.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 12, 2018
    • review Health Insurance
      "Extremely good policy"
      0.5 5.0/5 "Blown Away!"
      I had my father's claim process. The process was quick and fast they have given me the claim within 24 hours. Since the policy is a floating one, so my parents also covered in this policy. They have many hospitals list with a cashless treatment facility. This policy covers my entire family with a coverage amount of Rs. 5 lakhs.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 12, 2018
    • review Health Insurance
      "Looking for better offer"
      0.5 4.0/5 "Great!"
      From 2009, I am holding ICICI lombard medical insurance, since I haven't used this policy. I think there was no claim bonus because every year I am making the same premium of Rs. 25,000 for the medical cover of Rs. 5 lakhs for four members with cash less service and critical illness cover.
      Was this review helpful? 1
      , jabalpur
      Reviewed on Oct 11, 2018
    • review Health Insurance
      "Good medical cover"
      0.5 4.0/5 "Great!"
      Reason to prefer ICICI Lombard health insurance has critical illness for major diseases like heart attack etc. They do have pre existing cover with cash less support. The health coverage value is also fine for me. Moreover ICICI lombard is best than other companies,
      Was this review helpful? 0
      , siliguri
      Reviewed on Oct 11, 2018
    • review Health Insurance
      "Satisfactory experience"
      0.5 5.0/5 "Blown Away!"
      My company provided corporate health policy from ICICI Lombard, I got claim two years back it for my baby was not well at the time, they have provided cash less treatment in good hospital. As soon as I give call to the customer service they approved my claim.
      Was this review helpful? 0
      , gudalur
      Reviewed on Oct 09, 2018
    • review Health Insurance
      "Concentrate on banking and not an insurance with ICICI "
      0.5 4.0/5 "Great!"
      I never tried their customer care service. I have taken this policy with ICICI Lombard last year. I have purchased this policy only for myself. They have offering a coverage amount of Rs. 2.5 lakhs. I made a premium amount of Rs. 7000. Pre-exising disease is not covered in this policy. Some of my relative has referred to me.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Oct 08, 2018
    • review Health Insurance
      "Good policy"
      0.5 3.0/5 "Satisfactory"
      This is a ICICI Lombard health insurance which i have taken with. I have bought this policy for myself, spouse and my daughter. I pay the premium of Rs. 35000 and i have been renewing the policy for past 5 years. I don't need to pay any premium till i reached the age of 75. I have got a holiday premium facility. I can claim the policy whenever i need it.
      Was this review helpful? 0
      , noida
      Reviewed on Sep 23, 2018
    • review Health Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have used the health insurance policy with ICICI LOMBARD GENERAL INSURANCE for last 2-3 years and i had no claim experience with this policy. Premium i paid 568 rupees i am paying for monthly basis. Policy coverage they are offering for self and the medical coverage they provided 2 lakhs.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 22, 2018
    • review Health Insurance
      "Yet to experience the policy"
      0.5 5.0/5 "Blown Away!"
      My company has provided me a health insurance. I have taken the policy recently from my company. They are providing the cashless hospitalization facility. They have provided the policy for my family also. This covered upto Rs. 4 lakhs. I have not gone through the hospital list.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 19, 2018
    • review Health Insurance
      "Low premium policy"
      0.5 4.0/5 "Great!"
      I haven't use the cashless treatment any that option is available. This year only i have purchased the health insurance policy with ICICI Lombard. I have made the premium of Rs. 9000 which is applicable for 3 years. I took this poliy only for myself. They are provided the claim amount of Rs. 3 lakhs per year and if i'm not claimed anything 10% claim will be carry forwarded to the next year.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 19, 2018
    • review Health Insurance
      "High Premium with Good services"
      0.5 5.0/5 "Blown Away!"
      I had no claim experience wtih ICICI Health insurance. I have got my health insurance policy with ICICI Lombard and i hve been continuing with the same comapny for last 8 years. I have took this policy for my family. I used to pay the premium of Rs. 25000 K. I can claim upto Rs. 8 lakhs by using this health insurance policy however the pre-existing diseases are not covered
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 12, 2018
    • review Health Insurance
      "Excellent policy"
      0.5 4.0/5 "Great!"
      ICICI has given a very good services. I had very good claim experience. I had claim 3 times and they have given the claim amount within 3 days in my amount. I have paid the premium amount of Rs, 5000 for my health insurance. I had purchased this ICICI lombard policy for 5 years continuously.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Sep 09, 2018
    • review Health Insurance
      "Hassle free policy"
      0.5 5.0/5 "Blown Away!"
      I have taken the health insurance with ICICI Lombard for 3 years before. Its been continuous 3 years I'm using the services. I have can use the policy upto 6 lakhs. I have taken the policy for me and my family. They are offering a cashless treatment also.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 31, 2018
    • review Health Insurance
      "Nice policy"
      0.5 5.0/5 "Blown Away!"
      My company has provided me a health insurance. They have provided the policy for me and my family. I can able to utilize the benefits upto Rs. 2 lakhs. I had a very good claim experience. I have paid the money and i have submitted the documents got the claim. I have just all the details in the form and the discharge paper. I have submitted into ICICI Lombard. I have received the claim within 20 days.
      Was this review helpful? 0
      , jatni
      Reviewed on Aug 29, 2018
    • review Health Insurance
      "Good health insurance policy"
      0.5 3.5/5 "Pretty good"
      My company has provided me a health insurance with ICICI Lombard with a maximum claim amount of Rs. 1 lakhs, My company is paying the premium amount of Rs. 510 annually. This policy is covers only for me. They are cashless treatment also provided. Every hospitals has been covered in my locality.
      Was this review helpful? 0
      , jatni
      Reviewed on Aug 29, 2018
    • review Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I have been using the health insurance policy with the ICICI LOMBARD GENERAL INSURANCE since last 1 year where the premium i am paying 16k also i can claim upto 12lakhs also it covers for my entire family. It covers the critical illness also the disease too.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Aug 28, 2018
    • review Health Insurance
      "BETTER"
      0.5 5.0/5 "Blown Away!"
      I am using my health insurance policy with ICICI LOMBARD GENERAL INSURANCE from last 6 years i am paying the premium 7k for every year also i had no claim but i can claim upto 10lakhs. There is no free health checkup but it covers critical illness added on that the disease covers.
      Was this review helpful? 0
      , rangareddy
      Reviewed on Aug 21, 2018
    • 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
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