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+
ICICI Lombard Health Insurance Company was formed when two big ventures, ICICI Bank Liited from India and Fairfax Financial Holdings Limited from Canada came together. You can find a comprehensive list of health insurance plans that can cover the medical expenses incurred due to hospitalization, daycare procedures, ambulance charges, and domiciliary hospitalization. Although, ICICI Lombard Health Insurance plans are one the popular choices among people. You can also get a super top-up plan that can cover you when the base health insurance plan gets exhausted.
The insurance plans by ICICI Lombard are created to cover the expenses of all your medical expenses. Whether it is teleconsultation with the doctor or heavy tests before any major surgery. With a health insurance policy, you can claim cashless treatments, without worrying about hospital bills. Having 7500+ network hospitals, the company provides coverage against many treatments. Before moving forward let us read some interesting facts about the company.
ICICI Lombard Health Insurance Review
ICICI Lombard Health Insurance
ICICI Lombard Health Insurance 2024
With quite a long time in the market, ICICI Lombard General Insurance has been consistently recognized for its customer-centric approach and innovative solutions at different forums. Here are the awards and achievements they have achieved.
Cashless Claim Settlement | Within 4 hours |
Minimum Entry Age | 91 days |
Maximum Entry Age | No Limit |
Sum Insured | Up to 50 lakh |
Network Hospital | 7500+ |
Tax Benefits | Claimable |
Solvency Ratio (2021-22) | 2.5 |
Claim Settlement Ratio (2021-22) | 97.07 |
Ambulance Expenses | Covered |
Coverage for Accidents | Yes |
ICICI Lombard Health offers a huge number of medical insurance policies. These products are specifically designed to meet all the healthcare requirements of their customers. To make each policy visible to the customers, we at Policyx have curated a list for you to choose easily.
Family Floater Plan- If you are someone who is looking to secure your family, a family floater plan is for you. By paying a single premium you can secure your parents, wife, and children.
Individual Insurance Plan- If you are young and have no responsibilities, then you should go for an individual insurance plan. In this, you will be covering yourself at a lower premium. Also, when you are you are young, you will be free from any existing diseases as well.
Critical Illness Cover- If you have any family history of critical illness, then you should choose this plan for yourself.
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 is one of the most famous companies in the health insurance industry. They are known for their vast category of Health Insurance Plans for individuals, families, senior citizens, women, and more. You can read below to understand why ICICI Lombard is the best health insurance partner for you.
With ICICI Lombard, you don't need to wait for a claim refund if you opt for the on-network hospital. You can avail of cashless hospitalization benefits not just with network hospitals but with non-network hospitals as well.
You can avail of the OPD expenses. The plans here are tailored and made for the ones who need to cover their major as well as minor health concerns as well.
The policy here covers pre as well as post-hospitalisation expenses. So, your health is covered from diagnosis to treatment.
The health plan from ICICI Lombard covers you from any pre-existing diseases after completing the waiting period as per the policy certificate.
You can enjoy an additional sum insured for every renewal year if you haven't applied for the claim
As per section 80D, you can claim a tax deduction on health insurance premiums.
ICICI Lombard Health Insurance offers no limit on hospital room rent. You can take any hospital room rent to get recovered while getting the treatment.
Co-pay is the fixed amount that the insured has to pay out-of-pocket for the medical services. But with ICICI Lombard, there will be no co-payment. This means you do not have to worry about medical expenses, everything will be taken care of by the company.
If there is any requirement for hospitalization any illness or injury during the policy year will be covered by the policy.
The health insurance policy by ICICI Lombard will cover daycare medical procedures or treatment along with doctor-recommended procedures or surgeries.
ICICI Lombard health insurance plans give coverage for the pre-hospitalization that can occur 30 days before your hospital admission till 60 days post-hospitalisation discharge.
ICICI Lombard Health Insurance policies also cover the treatment cost incurred due to in-patient AYUSH treatment undertaken in the government hospital or in any government-recognized institution.
Cost of diagnosis, blood tests, scans, or any other similar procedures, unless it is covered under the policy or necessitated by the treatment.
Cosmetic or plastic surgery costs which is done to change appearance.
Treatment cost due to engagement in any adventurous or hazardous activities is not covered.
Repercussions of misuse of drugs, alcohol, or other toxic substances
Medical expenses incurred due to committing or attempting suicide.
Medical expenses happen due to complications of dietary or nutritional supplements and substances purchased without the doctor's prescription.
Medical expenses related to birth control, Abortion, sterility, or infertility.
Dental procedures, unless they arise due to an accident.
Abnormality in birth, any exterior congenital defect, diseases, or anomalies.
Any unproven treatments or costs associated with the unproven treatments, services, or supplies.
When you buy a policy, your coverage does not start immediately after the issuance. There is a time frame that you need to complete before the coverage of this policy begins. This time period is called the waiting period in ICICI Lombard Health Insurance. At this time you cannot claim the money. The range and time period of the waiting period depend on various factors like policy, coverage, and types of diseases.
Let us check out some of the types of waiting periods:
Choosing the best health plan involves proper planning. You need to consider various factors before investing in the right medical coverage. Study the scheme for the following advantages to understand and compare the best medical insurance in India.
Choosing an online platform is the easiest way to save time and effort in this digitally-equipped world. Following are the reasons why you should choose the online procedure-
Although, there are no specific age criteria for buying health insurance plans. But buying insurance at an early age is highly beneficial. Read below to get to know why buying health insurance at an early age is beneficial.
Your premiums will be less at an early age.
At an early age, a continuous cover with renewals will help you to go out with the waiting period.
No medical test is required if you purchase health insurance at an early age.
You can avail a no-claim bonus for every claim-free year.
You do not need to share your medical bills as the co-payment is not applicable in this case.
As the term policy ends, you need to renew it in order to continue the uninterrupted healthcare coverage and added advantages. You can renew your health insurance with just one click. Follow the steps-
Click on "Renew my policy", which will redirect you to the renewal page of ICICI Lombard.
Enter your policy number and other details as asked.
Click to "Proceed".
Follow the instructions for your health insurance renewal online.
Make Payment and your policy will be renewed.
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:
The claim settlement procedure of ICICI Lombard is super simple and convenient. You can follow these steps to claim your health insurance.
Once you submit the claim intimation, the company will start their work of verification. They might assign a field doctor if required for this process. After completing the verification process, you will get the claim immediately.
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:
You can calculate your health insurance premiums online at Policyx. This ICICI Lombard Health premium calculator is a tool that is designed to enable some potential buyers to estimate the premiums that they need to pay.
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 |
If you think, your current health insurance coverage is not sufficient to meet your healthcare needs, then you can opt for an ICICI Lombard Health Insurance Super Top-Up plan to provide supplement your coverage.
There are two top-up plans offered by the company-
Know more about ICICI Lombard Top-Up Plans.
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 is a dedicated insurance company that works 24*7 for customer case support. They make sure to resolve all the customer queries, no matter what time. For a branch-wise contact detail, you can read more about ICICI Lombard Health Insurance Customer Care.
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
All kinds of in-patient, daycare, donor expenses, pre, post hospitalisation as well as AYUSH treatment expenses are covered in ICICI Lombard Health Insurance.
No, the medical tests are not necessary if you are below 56 years old.
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 of worldwide coverage.
The policy can easily be canceled during the free look period which is usually 15 days. Fill out 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 a 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 renewal.
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:
Compare ICICI Lombard health plans with other top insurers in India.
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Anita Sandhu
Goa
March 18, 2024
A user-friendly platform with a lot of useful information with a helpful approach. The team of PolicyX went the extra mile to answer my questions related to ICICI Lombard Health Insurance Polic...
Khushpreet Singh
Bhopal
March 18, 2024
I bought my ICICI Lombard health insurance plan 4 years ago, and every year the team at PolicyX helps me to renew the plan. Thank you PolicyX for taking care like family.
Arjun Palta
Delhi
February 28, 2024
I connected to the team member of PolicyX when I was looking for the best health insurance policy. They helped me buying ICICI Lombard health insurance plan for my family. They made it easier f...
Vayu Sharma
Gandhinagar
February 26, 2024
The insurance team at PolicyX was so helpful while purchasing my health insurance from ICICI Lombard Health Insurance.
Nipun Singh
Indore
February 26, 2024
I needed to apply for a claim settlement for my ICICI Lombard Health Insurance Policy. PolicyX helped me to get the reimbursement very soon.
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.
Kalpana Pushkar
Raipur
February 9, 2022
ICICI Lombard s individual health insurance plan is an excellent one that provided me with complete coverage at affordable rates.
Jubin Katyal
Agra
September 8, 2021
Very Good company ICICI. I am impressed with their services. I will recommend this compnay from my side
An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Traveling and writing is her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and solves the reader’s query seamlessly.
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