ICICI Lombard is a general insurance company with a range of insurance products in its lineup. The company has many health insurance products to provide complete coverage at an affordable price. Complete Health Insurance by ICICI Lombard is a health insurance cover that provides comprehensive coverage to an insured person. In addition to the regular medical benefits, this cover also comes with a reset benefit to ensure that policyholders are adequately covered in case of multiple claims within the same policy period.
Customers must meet the following eligibility criteria in order to avail cover under ICICI Lombard Complete Health Insurance:
Some of the notable features of ICICI Lombard Complete Health Insurance can be listed as follows:
|Hospitalisation cover||All expenses up to the maximum sum insured limit|
|Day care treatment||All day care procedures incurred for treatment period less than 24 hours are covered|
|OPD expenses||Reimbursement for outpatient treatment expenses|
|Domestic road ambulance cover||Up to Rs.1,500 per hospitalisation|
|Maternity benefit||Covered for up to 2 deliveries (after a 3-year waiting period)|
|Newborn baby cover||Available for up to 91 days from the day of birth|
|Organ donor expenses||Reimbursement up to Rs.50,000|
|Convalescence benefit||Rs.10,000 per insured for hospitalisation more than 10 consecutive days|
|Reset benefit||100% reset of sum insured following exhaustion after a claim (once in a policy year)|
|Nursing at home||Up to Rs.3,000 per day for a maximum of 15 days post hospitalisation|
|Hospital daily cash||Rs.1,000 per day or Rs.2,000 per day based on the sum insured chosen by the insured|
|Compassionate visit by immediate family member||Reimbursement up to Rs.20,000|
For the following exclusions, ICICI Lombard is not liable to compensate the insured.
ICICI Lombard offers a hassle-free claim settlement process for its customers. Cashless treatment is available in the company’s network hospitals in various places across the country. Pre-authorisation forms can be obtained from these hospitals. Once the pre-authorisation form and other relevant documents are sent to the company, the request will be processed and approval will be sent. ICICI Lombard promises cashless treatment approval within 4 hours of submission of relevant documents.
Reimbursement claims can be filed after discharge from the hospital. The company might require various documents including medical bills, cash memos, diagnostic reports, discharge summary, physician certificate, etc. Once these documents are submitted to the insurer, the company will process the claim and provide the settlement amount. Any doubts regarding the claim process can be cleared by contacting the customer care of ICICI Lombard.
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