Icici Lombard Health Insurance Policy And Claim Status
TollFree No. : 1800-4200-269
ICICI Lombard Claim Status
Easy Online Claim Tracking
Speedy Reimbursement
24*7 Offline Claim Tracking
Network hospitals
7500+
Incurred claim ratio
77.33%
Sum insured
Up to 1 CR
No. of Plans
8
Solvency Ratio
2.5
Pan India Presence
300+
Network hospitals
7500+
Incurred claim ratio
77.33%
Sum insured
Up to 1 CR
No. of Plans
8
Solvency Ratio
2.5
Pan India Presence
300+
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ICICI Lombard Health Insurance Claim Status
ICICI Lombard is amongst India’s prominent insurance players in the private segment which offers its services and products via its 221 branches that are located across India. Founded in the year 2001, ICICI Lombard is the result of a partnership between the India-based ICICI Bank Limited with the Canada-based Fairfax Financial Holdings Limited. ICICI Lombard orchestrates their plans as a complete Health Insurance policy that secures your finances against sudden medical expenses. They have comprehensive policies for you and your family, designed to cater to most of your common healthcare needs. ICICI Lombard Health Insurance Company is a new-age insurance company which has adopted a digital way of selling insurance as well as settling claims. They also boast of a robust claim filing and settlement process which is hassle-free and simple.
An insurance claim is a formal request to the insurance provider for reimbursement against losses covered under your insurance policy. A health care claim status inquiry and response transaction is a communication between an insurer and a policyholder about a health care claim.
Claim Processes offered by ICICI Lombard Health Insurance
When you make a claim on an insurance policy you are requesting the recovery of these losses incurred. You are asking to monetize your health insurance from your insurer by filing claims and you are formally notifying the insurance company that you have suffered a loss or damage that you believe is covered by the policy.
There are two types of claims offered by the company.
Cashless Claims
Reimbursement claims
Cashless Claims
Through this claim process the insurance company settles the medical bill directly with the hospital.
Here’s How You Can File Your Cashless Claims Online
Step 2: Now, notify ICICI Lombard Health Insurance Company about the hospitalization. In case of pre-hospitalization inform the insurer about the hospitalization prior to getting admitted.
Step 3: The customer needs to fill out the pre-authorization form and submit it to the hospital. The pre-authorization form is then sent for approval to ICICI Lombard Health Insurance Company. Once the form is approved, the customer can avail of the medical treatment.
Step 4: At the time of discharge fill in all the medical documents and pay for the services that are not covered under the policy.
Step 5: The hospital will send the hospital bills to ICICI Lombard Health Insurance Company. After review, the company will pay the bill directly to the hospital.
Reimbursement Claims
In this type of claim, you can visit any hospital, not just those under your insurer’s cashless network. Here, you get your treatment done at the hospital, pay out of your pocket, and then apply for reimbursement for the expenses with your insurer. To ensure you have a smooth and speedy reimbursement claim process follow the below checklist:
Collect all your receipts, reports and relevant documents from the hospital at the time of discharge.
Also, collect any bills for medical expenses incurred 30 days before and 60 days after hospitalisation.
Check your hospital bill before you sign and pay it for any errors or unexplained extra charges.At the time of making the claim, the customer needs to submit all hospital bills, prescriptions, and medical documents to the company.
Here’s How You Can File Your Reimbursement Claims online
Step 1: Inform ICICI Lombard when you are hospitalized.
Step 2: Once your hospitalization/treatment is complete and you have paid the bills for the same, you must retain all bills and documents related to the treatment/hospitalization with you to file for the claim.
Step 3: ICICI Lombard will process your claim and reimburse you for the amount of the bills, in accordance with the coverage of the policy you need to submit the bills and documents for processing of the claim. If the treatment is covered under the scope of the terms of your policy and you have to provide all the necessary documents.
How to Check the ICICI Lombard Health Insurance Claim Status?
There are two processes for checking claim status, you can track the claim status of your ICICI Lombard Health Insurance policy online or offline from the company resources.
Online by Company’s Website
Offline
Steps to Check the ICICI Health Insurance Claim Status Online
If you already have a claim registered and want to track the progress of ICICI Health Insurance policy claim status then you can follow the steps given below:
Step 1: You need to visit the official website of the ICICI Lombard Health Insurance Insurance Company.
Step 2: On the page, fill in the information WRN Number or Claim Ref. No, and Policy Number or Policy Holder
Step 3: Click on ‘Search’ and select the ‘Claim’ Option. It will redirect you to the Claims Page and you will see your policy claim status on the page.
Steps to Check the ICICI Lombard Health Insurance Claim Status Offline
In case you cannot check the claim status online, it is also possible that you do that by visiting the Insurer’s branch office. Let’s see how it can be done:
Visiting the Insurer’s Office:
Most policyholders nowadays prefer to check their policy claim status online, but a certain percentage of people still prefer to visit the branch office in person to know about the policy claim status and take real-time updates. The address details of the Insurer’s branch office are given on the Insurance Company’s website. You can find the one nearest to your place. Also, do carry your policy documents along.
Through Email :
To check it offline you can email them to get in touch with the ICICI Lombard Company’s customer care department. It is required to mention your medical insurance policy number in the mail for reference.
Phone:
To check it offline you can use your phone to call the ICICI Lombard Health Insurance Company. The company has provided their Toll-Free Number on the company’s website.
A rejection letter will be sent by the company, with the details of the rejection grounds as per the terms and conditions of the policy. And the company will ask for more authentic documents or additional documents if needed.
2. What happens when the company asks for additional documents?
In case additional documents to back your claim are needed, the company will send you a query letter with the list of documents required. The documents must be submitted at the given time asked by the company.
3. What are the consequences if we fail to submit additional documents asked by the company?
Failure to provide these within a given duration can lead to the closure of the claim. Claim closure, however, can be reopened upon submission of necessary documents.
4. In case of planned hospitalization how much time is required to intimate the company?
In case of planned hospitalization at a network hospital, the specified time required to intimate your insurance company is at least 1-2 days in advance. For emergency hospitalization, you have to inform the company within 24 hours.
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