ICICI Lombard Health Insurance Company is a joint venture of ICICI Bank Limited from India and Fairfax Financial Holdings Limited from Canada. The company offers comprehensive health insurance that covers the expenses of hospitalization, daycare procedures, ambulance charges, and domiciliary hospitalization. Apart from health, it provides insurance coverages for various products such as cars, bikes, homes, travel, etc.
On September 8, 2021, Bharti AXA Health Insurance company merged with ICICI Lombard General Insurance Company. After the merger, the customers can now have access to a wider distribution network that is spread across online platforms, bank tie-ups, agents, brokers, etc.
Apart from standard health insurance plans, ICICI Lombard Medical Insurance also offers other plans to cater to all insurance needs of its policyholders.
With the availability of several health insurance companies, choosing an appropriate plan is quite a difficult task. While zeroing down your search to ICICI Lombard, you must read the below sections carefully to get an insight into ICICI Lombard Health Insurance Plans:
ICICI Lombard's health insurance plans are designed to provide comprehensive coverage and high-quality service. In addition to standard health insurance policies, ICICI Lombard Health Insurance also offers a super top-up plan that protects policyholders when their base health insurance plan's sum insured amount is exhausted.
With such a wide range of health insurance products, the company ensures to meet all of its clients' insurance needs.
ICICI Lombard General Insurance has been recognized with various awards and accolades.
ATD Best Winner Award
Claim Leader Award in Indian Insurance Awards, 2014
E-Business leader award 2013
Porter Prize Award
Golden Peacock Innovation Award 2011
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ICICI Lombard Health Insurance Review
ICICI Lombard Health Insurance
Key Features of ICICI Lombard Health Insurance Company
To explore how the ICICI Lombard Health Insurance Policy performs take a look into the below section, and decide yourself:
Network Hospitals: ICICI Lombard Medical Insurance Companies have tie-ups with more than 6,700+ hospitals, in which you can get hospitalized (if required) and the insurer will directly settle the bill with the hospital.
Solvency Ratio: The solvency ratio helps policyholders assess the ability of a company to meet its financial obligations. As of now, IRDAI has made it mandatory to maintain a healthy solvency ratio of 1.50 for every insurance company. At present, as per the IRDAI Annual Report of 2021-22 the Solvency Ratio of ICICI Lombard Mediclaim is 2.54
Annual Premium: The annual premium of the company shows growth and can help the policyholder to use this as their choosing criteria. As per the IRDAI report 2021-22, ICICI Health Insurance has an Annual Premium of 17,976.87 Cr.
Claim Support Ratio: Claim support is the assessment of the claim settling ability of an insurer. IRDAI publishes claims support ( settled within 3 months) annually. In IRDAI Annual Report 2021-22, the company's claim support (within 3 months) is 97.07
No. of Branches: With more than 286 branches across India, the company assures that customers can quickly visit their nearest branch if they have any policy or claim-related queries.
All you Need to Know about ICICI Lombard Health Insurance Company. Find Complete Details in one go.
ICICI Lombard offers various health plans that provide financial protection to you and your loved ones. These plans aim to fulfill your healthcare requirements at the time of a medical emergency. The company offers plans for individuals, families and even offers coverage against COVID-19.
ICICI Lombard Health Insurance Individual & Family Plans
Standard Health Insurance
ICICI Arogya Sanjeevani Policy
A standard Health plan that offers coverage up to 5 lakhs to the insured & his family. The plan offers you everything you need under a health insurance plan.
Unique Features
Cumulative Bonus
Cataract treatment covered
Modern Procedures covered
Arogya Sanjeevani Policy (Pros)
Intensive Cardiac Care Charges
Ambulance charges up to 2000
Cataract treatment
In-patient hospitalization
Uterine Artery Embolization
Arogya Sanjeevani Policy (Cons)
No Eyesight correction expenses
Fertility expenses not covered
Nursing at home not covered
OPD expenses not covered
No Non-allopathic Treatment
Arogya Sanjeevani Policy (Other Benefits)
Floater benefit
Pre-existing diseases after 4 yrs
In-patient AYUSH treatment
Daycare procedures
Pre and post-hospitalisation
Arogya Sanjeevani Policy (Eligibility Criteria)
Entry Age - 18 Years
Maximum Entry Age - 65 Years
SI - 1 L to 5 L
Waiting Period - 30 Days
Saral Suraksha Plan
ICICI Lombard Saral Suraksha Bima
A plan that offers coverage for accidental death and disablement, temporary total disablement and gives Education Grant.
Unique Features
100% Death Benefit
Emergency Care
Cumulative Bonus up to 50 %
Saral Suraksha Bima (Pros)
10% Education Grant
Temp. Total Disablement cover
In-Patient Care
Total Disablement cover
Partial Disablement cover
Saral Suraksha Bima (Cons)
Hazardous sports not covered
No Intentional self-injury cover
Alcoholism not covered
Injury due to violation of the law
Obesity treatment not covered
Saral Suraksha Bima (Other Benefits)
Plastic surgery after accident
Surgical Procedure after accident
50% Cumulative Bonus
All Day Care Treatment
Dental Treatment after accident
Saral Suraksha Bima (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age -70 Years
SI - 2 L to 5 L
Waiting Period -30 Days
ICICI Lombard Health Insurance Specialized Plans
Top-up
Health Booster(Top UP Plan)
A Top-up plan that offers extra coverage to you and your family with a comparatively lower premium with a policy deductible principle.
Unique Features
Wellness Programs
Critical Illnesses Covered
Lifetime Renewability available
Health Booster (Pros)
No Check-up up to 10 Lakh
Discount of up to 12.5%
Cashless treatment Hospitals
Reimbursement within 14 days
Deductible options (3/4/5 lakhs)
Health Booster (Cons)
No international Coverage
No Alcohol or drug abuse
No Refractive error correction
Dental treatment not covered
No hearing impairment correction
Health Booster (Other Benefits)
Hospital Daily Cash
Convalescence Benefit
Personal Accident Cover
Repatriation of Remains
(TTD) Rehabilitation Cover
Health Booster (Eligibility Criteria)
Entry Age - 18 Years
No Upper Age Limit
SI - 5 L to 50 L
Waiting Period - 30 Days
Personal Accident
Personal Protect Plan
The plan offers personal accident coverage on an individual and family floater basis, with coverage up to 25Lakhs.
Unique Features
Permanent Disability Covered
No pre-medical required
Worldwide coverage
Personal Protect Plan (Pros)
All Disablement Covered
Accidental Hospital Allowance
Rail accidents covered
Natural Peril Injury CFovered
No health check-up required
Personal Protect Plan (Cons)
Change of Gender Treatments
Cosmetic or Plastic Surgery
Dental treatment not covered
Maternity expenses not covered
No Global Coverge
Personal Protect Plan (Other Benefits)
No Injuries in terrorism covered
Hospital Daily Allowance Benefit
Accidental Hospital Allowance
Funeral Expenses covered
Children's Education Grant Benefit
Personal Protect Plan (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 3 L to 25 L
Waiting Period - 30 Days
Covid specific Plan
Corona Kavach Plan
A plan mandated by IRDAI that offers covers the hospitalization expenses if the insured is tested positive for Covid-19.
Unique Features
Flexible Sum Insured
Home-care treatment covered
Treatment for comorbid
Corona Kavach Plan (Pros)
Covid Hospitalization charges
Home Care Treatment Expenses
AYUSH Treatment Covered
Hospital Daily Cash
Flexible Policy Period
Corona Kavach Plan (Cons)
Dietary supplements expenses
Unproven Treatments expenses
Respite care not covered
Investigation Expenses
Rehabilitation not covered
Corona Kavach Plan (Other Benefits)
Inpatient hospitalization
Family Floater Benefit
In-patient treatment
Home care treatment
Post-hospitalisation
Corona Kavach Plan (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 50 Thousand to 5 L
Waiting Period - 15 Days
Senior Citizens
ICICI Lombard Golden Shield Plan
A senior citizen plan that covers medical expenses resulting from hospitalisation, health check-ups, day-care procedures and more.
Unique Features
Affordable Medical Care
Care Management Program
Reset Benefit
Golden Shield Plan (Pros)
Nursing at home
Free annual health check-ups
Air ambulance coverage
Tele consultations
AYUSH treatments
Golden Shield Plan (Cons)
Voluntary Deductible amount
Expenses Outside India
No Acupressure Treatments
2-Year Waiting Period
Obesity/Weight Control treatment
Golden Shield Plan (Other Benefits)
Pharmacy Cover up to Rs 2,000
Out-patient consultations
Can update a family member
Routine Diagnostics covered
Minor Procedure Covered
Golden Shield Plan (Eligibility Criteria)
Entry Age - 56 Years
Max Age -No Upper age limit
SI - 3 L to 10 L
Waiting Period -24 Months
Senior Citizen Plan
ICICI Lombard Health AdvantEdge
A comprehensive plan for you and your family covering
ICICI Lombard Health Insurance company has a tie up with 6700+ network hospitals. You can choose to get admitted in anyof the nearest network hospitals and can easily avail cashless facilities.
Choosing a health insurance company with a wide network of hospitals in your vicinity helps you at the time of a medical emergency. It is a crucial factor that gives you an idea of how easily you can assess the cashless facility during hospitalization.
Network hospitals have a tie-up or agreement with insurance companies for offering cashless hospitalization to the insured person where you don't have to pay a single penny to the hospital directly.
With a cashless facility, all your medical expenses are borne by an insurer and you can focus on the treatment and recovery of your loved ones without worrying about the medical bills.
ICICI Lombard is empanelled with 6700+ network hospitals across India and offers you complimentary health check-ups, pre and post-hospitalization expenses, coverage for pre-existing diseases, etc. With the wide network of hospitals provided by ICICI Health Insurance, you don't have to wander here and there at the time of a medical emergency.
It is always advisable to check the network hospital list before buying a health insurance plan or getting admitted to the hospital.
If you want to check the ICICI Lombard health Insurance hospital list as per your state/region, you can visit the PolicyX.com network hospital list page.
How To Calculate ICICI Lombard Health Insurance Plans Premium?
ICICI Lombard Mediclaim allows its customers to calculate their premiums online with the help of the ICICI Lombard Health Insurance Premium Calculator. This calculator helps the policyholder to get an understanding of how much they need to pay annually.
ICICI Lombard Health Insurance Premium Calculator calculates the annual premium on the below-mentioned factors:
Age of the Policyholder
Sum Insured Choose
Type of plan (Individual/ Family Floater)
Policy Tenure
Know more about ICICI Lombard Health Insurance Policy Premium Calculator
Take a look at ICICI Lombard Health Insurance Sample Premiums
Below-mentioned is some sample premiums that will give you an idea of ICICI Lombard Medical Insurance policies. As per your needs, you can change all the aspects involved in premium calculation with the help of the ICICI Lombard premium calculator.
ICICI Lombard Complete Health Insurance
SI options (Rs.)
Variants Available
iHealth
Health Shield
Health Elite
10L
7,191
7,665
13,866
20L
8,684
12,246
26,380
50L
11,896
16,580
30,697
ICICI Lombard Health Booster
SI Options
5L
10L
20L
25L
50L
Sample Annual Premium - 1A
3,554
4,641
5,117
5,226
5,291
Sample Annual Premium - 2A
6,027
7,658
8,371
8,536
8,633
Sample Annual Premium - 2A+1C
6,954
9,269
10,235
10,458
10,621
ICICI Lombard Personal Accident
SI Options
5L
15L
20L
Sample Annual Premium - for Policy Term of 1 year
1,521
3,228
3,981
Sample Annual Premium - for Policy Term of 3 years
4,397
9,166
11,291
Why ICICI Lombard Health Insurance
Coverage for COVID-19
6700+ ICICI Lombard Health Network Hospitals
PAN India Presence with 286 Branches
Offers several Value-Added Services
24x7 customer support
Mobile app to address all policy concerns
Reward for every Claim-free year
Hassle-free & Quick claim intimation
ICICI Lombard Health Insurance Exclusion List
Every Health Insurance company has a set of specified diseases/procedures that are not included in the coverage. Such few exclusions of ICICI Lombard Health Insurance are mentioned below:
Cosmetic or Plastic surgeries
Any kind of loss or damage to the property because of war or war-like situations
Suicide or self-inflicted injuries
Dental treatment (unless it’s due to an accident)
Injury due to use & abuse of intoxicant substances like alcohol or drugs
ICICI Lombard Health Insurance Buying Process
For a quick and smooth buying process, you can opt for 2 ways, either buy directly from the company’s website or from PolicyX.com. let's have a look at both the buying process:
Buy from the Company
Visit the official website and click on 'Health Insurance'
Fill in the required details and choose the sum insured.
The next page will show the premium amount.
Pay the premium online
Once the payment is done, the company will send all the policy details to your registered email address.
Fill in the necessary details to get the list of quotes.
Choose your ideal ICICI Lombard plan and pay the premium.
After the payment, the policy will be shared on your registered email address.
Why Buy ICICI Lombard Health Insurance Plan from PolicyX.com?
Choosing PolicyX.com to buy your ICICI Lombard Health Insurance Plans can be a good choice. Read the below section to find out why choose PolicyX.com.
IRDAI Approved: The Insurance Regulatory Development Authority of India (IRDAI) is a regulatory body created to protect the policyholder's interest. PolicyX.com follows all the guidelines and protocols approved by the IRDAI.
Free Comparison Service: With PolicyX.com, you can easily compare the best Health Plans in India without paying the extra amount.
Compare 15 Companies in 30 Seconds: With us, you can compare up to 15 companies in just a few seconds.
Buy Insurance within 5 mins: With PolicyX.com, you can buy your policy online without any hassles. We offer an easy 4-step online buying process that allows you to buy your policy without any troubles.
24*7 Customer Service: The experts of PolicyX.com are always available to resolve any of your insurance-related queries.
Free Future Claim Assistance: Our team will assist you at every step of your claim process. Be it claim intimation, documentation, or any other process, we are always there to help.
ICICI Lombard Health Insurance Plan Renewal Process
ICICI Lombard Health Insurance Plans comes with an online renewal facility, which means one can opt for ICICI Lombard Health Insurance online renewal
To process the ICICI Lombard health insurance renewal, follow the below-mentioned steps:
Visit the official website of the company.
Click on 'Renewals'
Select the type of plan you want to renew from the drop-down menu
Fill in all the required details & ‘submit' the form to proceed
Make the payment online.
Once done, you will receive a message of successful policy renewal.
**You can also go for the offline renewal process by visiting the nearest branch of ICICI Lombard.
For ICICI Lombard Health Policy Renewal, the company also gives a 30-day grace period days, during which the policyholder can renew their policy even after the due date without it getting lapsed.
How to file ICICI Lombard Health Insurance Claims?
Inform the company about the unforeseen event within 48 hours. You can call on their toll-free number or you can send an SMS on 575758.
Submit the required documents instructed by the customer care officer.
In order to proceed with the claim process, download the claim application form from the website or you can get it from the nearest branch office.
Submit all the required documents along with the ICICI Lombard health insurance claim form to the respective branch.
The reimbursement claims are settled within 30 days from the date claim has been made.
Documents Required
A duly filled application form
Original bills, discharge papers, receipts related to the hospitalization
Medical bills of chemists along with a valid prescription
1. Do I need to go for a Medical checkup before buying an ICICI Lombard Health Policy?
No, the medical tests are not necessary if you are below 56 years.
2. My father is 60 years old. What sort of tests does he need to undergo before buying an ICICI Lombard Medical Insurance policy?
An adult of age 56 years and above needs to undergo the below-mentioned medical tests:
Complete Blood count with Peripheral Smear & ESR
Urine Routine
SGPT/AL
Serum Creatinine
ECG
Serum Cholesterol
Fasting Blood Sugar
Medical Examination with BP recordings – By a physician.
3. I want to change my DOB in the policy documents. Will it affect my premiums?
Yes, it’s better to get the correct date of birth recorded in your health insurance policy as it will help you at the time of claim settlement. As per the correct date of birth, the premium will also be revised.
4. Does ICICI Lombard cover hospitalization in a country other than India?
No. The policy does not cover hospitalization outside India. However, few plans such as ICICI Complete Health offer some optional riders through which one can avail worldwide coverage.
5. What is the cancellation policy of ICICI Lombards Health Policy?
The policy can easily be canceled during the free look period that is usually 15 days. Fill the form with all the required details and visit any nearest branch. Once the request is processed, the premium is refunded after the applicable deductions within the stipulated period.
6. Does the company allow the mid-term inclusion of the family member?
No, the company does not have the provision of mid-term inclusion. The policyholder is not allowed to add family members during the policy tenure. It can be done only at the time of renewals.
7. What is the mandatory coverage in ICICI Lombard Health Insurance policy?
Mandatory coverage is the original coverage offered by the health insurance policy. This coverage cannot be altered or removed.
8. How can I check the claim status of my ICICI Lombard Health Insurance policy?
You can check your claim status online through the following steps:
Visit the official website of ICICI Lombard Health Insurance
Enter your Claim Number or AL Number
Click on the 'Search' option to be redirected to another page where you can view your current claim status
9. What will happen to my claims if some of my medical documents are incomplete or missing? Will it be processed partially or will it get rejected?
For Cashless claims, the company communicates directly with the network hospital you’re admitted in. Thus, in this scenario, you don't have to be concerned about missing any medical records.
However, for filing a reimbursement claim, there are two possibilities that might occur:
i) Documents that aren't required are missing: Your claim will still be processed fully.
ii) Documents that are required are missing. - Every 15 days, we will notify you about the missing papers, i.e. on the 15th, 30th, 45th, and 60th days. Due to the non-receipt of required papers, the claim will be denied after this last reminder.
For a better insight into the company, do not forget to go through the ICICI Lombard Health Insurance Reviews.
aditya
Nagpur
February 17, 2022
I have family insurance plan and my mother and sister hospitalised for covid together. hospital gave me big amount. I used insurance plan to pay the bills.
Jubin Katyal
Agra
September 8, 2021
Very Good company ICICI. I am impressed with their services. I will recommend this compnay from my side
Aditya Kapoor
Mumbai
September 6, 2021
I really like the plans from ICICI Lombard as they have comprehensive and affordable plans. Nice ICICI
Prakash
Dehradun
August 31, 2021
happy to buy a plan from ICICI, their customer support is very helpful and very supportive, even helped me in my claim settlement.
Karan Mehta
Coimbatore
May 24, 2021
Thank you policyx for guiding me and resolving my queries related to icici lombard. Really happy the way they treat their customers. I have suggested this plan to my sister also
Sanam Mehta
Chennai
May 24, 2021
Today i got my refund of claim reimbursement and today is the best day of life.All credit goes to policyx as they are very nice
Karan Mehta
Coimbatore
May 21, 2021
Thank you policyx for guiding me and resolving my queries related to icici lombard. Really happy the way they treat their customers. I have suggested this plan to my sister also
Sanam Mehta
Chennai
May 21, 2021
Today i got my refund of claim reimbursement and today is the best day of life.All credit goes to policyx as they are very nice
