Health Insurance
Health Insurance Companies
Term Insurance
Term Insurance Companies
Life Insurance
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Network hospitals
6700+
Claim settlement ratio
97.07%
Sum insured
Up to 50 Lakh
No. of Plans
7
Solvency Ratio
2.54
Pan India Presence
286
Network hospitals
6700+
Claim settlement ratio
97.07%
Sum insured
Up to 50 Lakh
No. of Plans
7
Solvency Ratio
2.54
Pan India Presence
286
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.
ICICI Lombard Health Insurance Review
ICICI Lombard Health Insurance
To explore how the ICICI Lombard Health Insurance Policy performs take a look into the below section, and decide yourself:
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.
Standard Health Insurance
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
Saral Suraksha Plan
A plan that offers coverage for accidental death and disablement, temporary total disablement and gives Education Grant.
Unique Features
Top-up
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
Personal Accident
The plan offers personal accident coverage on an individual and family floater basis, with coverage up to 25Lakhs.
Unique Features
Covid specific Plan
A plan mandated by IRDAI that offers covers the hospitalization expenses if the insured is tested positive for Covid-19.
Unique Features
Senior Citizens
A senior citizen plan that covers medical expenses resulting from hospitalisation, health check-ups, day-care procedures and more.
Unique Features
Senior Citizen Plan
A comprehensive plan for you and your family covering
Unique Features
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.
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:
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.
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 |
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 |
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 |
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
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:
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.
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:
**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.
Documents Required
Contact Address:
ICICI Lombard General Insurance Co. Ltd.,Ground floor- Interface 11, Sixth floor- Interface 16, Office no 601 & 602,New linking Road, Malad (West),Mumbai - 400064.
Customer Care Number
1800 2666
Alternate Contact No.: 86 55 222 666 (Chargeable)
Email:
customersupport@icicilombard.com
No, the medical tests are not necessary if you are below 56 years.
An adult of age 56 years and above needs to undergo the below-mentioned medical tests:
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.
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.
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.
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.
Mandatory coverage is the original coverage offered by the health insurance policy. This coverage cannot be altered or removed.
You can check your claim status online through the following steps:
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.
Compare ICICI Lombard health plans with other top insurers in India.
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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
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