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  • ICICI Lombard Health Insurance - Compare plans & reviews

    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 POLICY"
      0.5 5.0/5 "Blown Away!"
      I have been using the health insurance policy with the ICICI LOMBARD GENERAL INSURANCE since from last 10 years where i have paid the premium for 7 years. The customer support is very helpful for getting the claim where i got 60K of claim with this policy. Medical coverage is for 5L for family.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 23, 2019
    • review Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I am holding my health insurance policy with the ICICI LOMBARD GENERAL INSURANCE since from last one year as i have not experienced with any claim with this policy but the medical coverage they have offered is for 10L only for self. The premium is nominal comparatively.
      Was this review helpful? 0
      , allahabad
      Reviewed on Jan 16, 2019
    • review Health Insurance
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      I had no claim experience with this health insurance policy where i am holding it from the ICICI LOMBARD GENERAL INSURANCE since from last more than three years. The medical coverage they have offered for this policy is for 2Lakhs rupees and it for family.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 11, 2019
    • review Health Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have a medical policy with ICICI Lombard personally as well as my company has offered me a health policy. They never call up, first they used to send msg or mail regarding policy updates. When I call them they provide a good service and very supportive. The medical coverage is 5L given my company and personal is 10L.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 28, 2018
    • review Health Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I had a good experience with ICICI Lombard in car insurance and came to know about the health policy. I have purchased the policy for my father and mother separately. The claim process was very easy, I hardly spoke to the customer support for 20mins and the process was done. I have submitted the necessary documents and it took 21 days, it was a small amount got the reimbursement. The medical coverage is 5L for each person.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 28, 2018
    • review Health Insurance
      "Satisfied"
      0.5 5.0/5 "Blown Away!"
      My health insurance is with ICICI Lombard and the customer services are good. The medical coverage is good too. I had a claim experience and the process was smooth and easy. I did not have to contribute anything from my end. Every thing was done by the insurer.
      Was this review helpful? 0
      , jaipur
      Reviewed on Nov 23, 2018
    • review Health Insurance
      "Average policy"
      0.5 5.0/5 "Blown Away!"
      Better coverage and better premium has been provided by the ICICI Lombard health insurance. My family also covered in this policy. I have no idea about the premium amount. They have offered me a coverage amount for the whole family. They were covered the pre-existing disease also. Almost all the hospitals are covered in this policy.
      Was this review helpful? 0
      , jaipur
      Reviewed on Oct 30, 2018
    • review Health Insurance
      "Needy policy"
      0.5 3.5/5 "Pretty good"
      I have taken my health insurance with ICICI Lombard. Since I'm a corporate customer of ICICI Lombard for many year i have chosen the policy with this company. I have taken this policy for my family and i compared with other companies, the premium is lower. They are able to cover most of the hospital and they are not very much informative on plans and coverage in the customer care.
      Was this review helpful? 1
      , salem
      Reviewed on Oct 30, 2018
    • review Health Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      I am satisfied with ICICI Lombard medical cover, its gives health protection for my entire family . All the process has been done on time, it was taken care by my company. The insurer given the pamphlet where the list of all hospitals they got tie up. Even I can reimburse which they haven't got tie up.
      Was this review helpful? 0
      , mohali
      Reviewed on Oct 29, 2018
    • review Health Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      Till now i have not used the cashless treatment facility. I have bought the health insurance policy with the same company for past 4 years. My health insurance policy was taken with ICICI Lombard and i have purchased this policy only for myself. I had no claim experience as of now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 26, 2018
    • review Health Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      My company gave Rs.2 lakhs of medical cover its only for me, I got medical card on time. I can use for any cash less service for health issue. I appreciate their IVR system, I could reach them immediately, they got tie up with reputed hospital and small clinical for minor and major disease.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Oct 26, 2018
    • review Health Insurance
      "Its Good for emergency"
      0.5 4.0/5 "Great!"
      I have mediclaim policy with ICICI lombard, they gave me Rs.2 lakhs of cover for my entire family, they have tie up with many hospitals in Bangalore. I have not used it, Its good for emergency purpose they are giving cash less service by using my medical card can avail it.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 25, 2018
    • review Health Insurance
      "Need to improve the customer care"
      0.5 5.0/5 "Blown Away!"
      In ICICI Lombard, they have provided all the services. They have to provide the toll free number to every customer. I have a received the card last month and delivery got bit delayed. Just because of the precaution i have purchase all my health insurance policy. They have to tie up all the local hospital in the city. I have not utilized any facility.
      Was this review helpful? 0
      , cuddalore
      Reviewed on Oct 24, 2018
    • 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
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