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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.
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.
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.
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.
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.
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.
The ICICI Lombard Complete Health Insurance is a comprehensive policy that comes with good coverage options, add-ons and a wide range of benefits.
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 |
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.
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 |
The ICICI Lombard Personal Protect Plan is designed to provide protection against personal accidents.
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 |
Cashless claim services |
Customer support |
Hassle-free claim settlement |
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% |
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. |
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 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.
Cashless claim:
Reimbursement claim:
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