ICICI Lombard Health Insurance

ICICI Lombard Health Insurance Company

ICICI Lombard General Insurance Company is a joint venture between ICICI Bank and Fairfax Financial Holdings Limited, offering health insurance plans designed to manage real medical expenses.

For buyers, its plans typically cover hospitalisation, day care treatments, ambulance costs, and even domiciliary care in some cases. You also get access to cashless treatment at network hospitals and the option to increase coverage through a super top-up plan, which helps when your base sum insured is not enough during high-cost treatments.

What Does ICICI Lombard Health Insurance Cover?

The insurance plans by ICICI Lombard are created to cover all your medical expenses, from teleconsultation with a doctor to extensive tests before major surgery. With a health insurance policy, you can claim cashless treatments without worrying about hospital bills. The company provides coverage for many treatments. Here are some interesting facts about ICICI Lombard:

Key Facts

• 10,600+ Network Hospitals
• 37.57 Million Policies Issued
• 3.2 Million Claims Settled
• Up to ₹3 Crore Sum Insured
• 24x7 Customer Support

Key Features of ICICI Lombard Health Insurance

• Offers health plans for worldwide coverage and unlimited sum insured
• A comprehensive wellness system to promote a healthy lifestyle
• Emergency ambulance services
• Health plans offering coverage for 20 critical illnesses
• Unlimited teleconsultations

ICICI Lombard Health Insurance Awards and Accolades

1. CSR Times Awards for Niranjali initiatives in the Swachh Bharat category
2. CX Strategy Summit and Awards for CX technology implementation and the Customer Experience Team of the Year
3. Assocham 14th Global Insurance in the 'Highest Growth GI' category
4. Most Innovative New Product of the Year - Young Star Health Insurance Policy
5. Finnoviti Awards 2022 for the face scan feature of the IL Take Care App

Why Choose ICICI Lombard Health Insurance?

ICICI Lombard Health Insurance is a renowned company offering a wide range of health insurance plans for individuals, families, senior citizens, women, and more. Here's why it could be the right health insurance partner for you:

• Versatile and affordable health insurance plans for every need
• 24x7 customer support for easy claim settlement
• Over 10,000 network hospitals all over India
• Offers comprehensive coverage at affordable premiums
• Tax benefits under Section 80D of the Income Tax Act

Benefits of Choosing ICICI Lombard Health Insurance

1. Anywhere Cashless

   Avail cashless hospitalisation benefits at both network and non-network hospitals, eliminating the need to wait for claim refunds.

2. Covers OPD Expenses

   Plans are tailored to cover both major and minor Out-Patient Department (OPD) expenses.

3. Pre and Post-Hospitalisation Coverage

   Policies cover expenses from diagnosis through treatment, including pre and post-hospitalisation costs.

4. Covers Pre-existing Diseases

   Pre-existing diseases are covered after the completion of the specified waiting period, as per policy terms.

5. No Claim Bonus

   Enjoy an additional sum insured for every claim-free renewal year.

6. Tax Benefits

   Premiums paid are eligible for tax deductions under Section 80D of the Income Tax Act.

7. No Limit on Hospital Room Rent

   Policyholders can choose any hospital room without worrying about rent limits.

8. No Co-Payment Clause

   Many plans come with no co-payment clause, meaning the company covers the entire admissible medical expense without requiring the insured to pay a fixed percentage.

Factors to Consider While Buying ICICI Lombard Health Insurance

Choosing the right health plan requires careful consideration. Before investing in medical coverage, evaluate the following factors to ensure you select the best ICICI Lombard health insurance policy for your needs:

• Verify Eligibility: Check the entry age restrictions. For ICICI Lombard Health, the entry age is 91 days on a floater basis.
• Ensure Maximum Coverage: Review the coverage offered, such as pre and post-hospitalisation expenses, diagnostic costs, and annual health check-ups.
• Look for Affordable Premiums: Note the premium amounts. ICICI Lombard Health offers a digital portal to calculate premiums.
• Check for Exclusions: Always review the exclusion list to understand conditions under which claims cannot be made.
• Understand the Co-Payment Clause: Be aware of any co-payment clauses before purchasing the policy.
• Select a Wide Cashless Network Hospital: Verify the number of reputable cashless network hospitals available with the insurer.
• Opt for a Higher Claim Settlement Ratio: A higher claim settlement ratio indicates the company's reliability. ICICI Lombard Health Insurance maintains a high claim settlement ratio.

What Are The Different Waiting Periods In ICICI Lombard Health Insurance Plans?

The various waiting periods associated with ICICI Lombard Health plans are:

Initial Waiting Period

Begins from the date of purchase and lasts for up to 30 days for most ICICI Lombard Health Insurance plans.

Pre-existing Disease Waiting Period

ICICI Lombard Health Insurance plans require you to serve specific waiting periods if you are diagnosed with Pre-Existing Diseases (PEDs) such as hypertension, diabetes, or any other condition.

Survival Period

Like waiting periods, ICICI Lombard health insurance plans with critical illness coverage have a survival period. During this period, policyholders diagnosed with any listed critical illness must outlive the survival period to enjoy coverage benefits.

How to Buy ICICI Lombard Health Insurance Plans Online

If you are looking forward to purchasing ICICI Lombard Health Insurance online, follow these simple steps:

1. Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.

2. Click on 'Get free quotes' and compare ICICI Lombard Health Insurance Plans as per your needs.

3. Select and pay premiums online for your chosen ICICI Lombard health insurance plan.

4. Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your ICICI Lombard Health Insurance plan.

Why Choose the Online Procedure to Buy ICICI Lombard Health Insurance Policy?

In today's digital world, buying health insurance online saves time and effort. Here are the reasons to choose the online procedure for purchasing an ICICI Lombard Health Insurance policy:

• Convenient Policy Selection: Study, compare, choose, and make payments for your insurance anytime, anywhere. You can also schedule appointments with experts to understand policy details.
• Chat Options for Queries: The teams at ICICI Lombard General Insurance and PolicyX are available via live chat to address all your policy-related queries and concerns.
• Instant Premium Quote Calculations: Use the digital premium calculator to get instant quotes and customise healthcare insurance for you and your family.
• Secure Payment Modes: The portal offers secure payment options like credit/debit cards and net banking. Receive authentic policy documents instantly after payment, allowing you to get an instant mediclaim policy.
• Transparent Policy Evaluation: ICICI Lombard ensures a transparent policy evaluation process, with all terms and conditions readily available for your reference.
• Readily Available Value-Added Services: Explore various add-on benefits like OPD care, co-payment waivers, and reduced waiting periods for pre-existing diseases to enhance your coverage.

Which Documents Are Required For ICICI Lombard Health Policy Claim Settlement?

Submit the following documents when filing for ICICI Lombard health claims:

• Duly completed and signed claim form, in original
• Valid photo ID proof
• Medical practitioner's referral letter and prescription
• Original bills, receipts, and discharge cards from the hospital/medical practitioner
• Original bills from pharmacy/chemists
• Original pathological/diagnostic test reports/radiology reports and payment receipts
• Indoor case papers
• First Information Report (FIR), final police report, if applicable
• Post-mortem report, if conducted
• Any other document as required by the company to assess the claim

ICICI Lombard Health Insurance Plan Claim Process Steps

You can file for cashless as well as reimbursement claims for your ICICI Lombard Health Insurance Plans by following these easy steps:

1. Visit the website of ICICI Lombard Health Insurance, and select the "Claims" option. Then click on "Claim Intimation" to access the form.

2. Select "health claim" and provide the required information, including policy number, date of birth, and other requested details.

3. Select the "claim type" (cashless or reimbursement). Click "authorize" and you will receive an OTP on your verified number.

4. Verify with the OTP and fill in the required hospital admission information. Select the hospital, or provide hospital details in case of a non-network hospital.

5. Upload the requested documents and click on the "review" button.

6. After reviewing, submit the intimation for the company to process. You will receive a claim intimation number, which you should note down for future reference.

How to Renew ICICI Lombard Health Insurance?

Follow these steps for ICICI Lombard Health Insurance policy renewal:

1. Visit the official website of ICICI Lombard Health Insurance Company.

2. Click on the ‘Renewals’ tab.

3. Enter your ‘Policy Number’ and ‘Date Of Birth’.

Connect with our insurance experts for ICICI Lombard health insurance policy renewal at 1800-4200-269.