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ICICI Lombard Health Insurance

Car Insurance
  • Premiums as low as 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
2015-16 82.09%

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