Cancel ICICI Lombard insurance
  • Cancel ICICI Lombard health policy
  • Process of cancellation
  • Cancelling during the free-look period
ICICI Lombard Health Insurance

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Incurred claim ratio



Sum insured

Up to 1 CR


No. of Plans



Solvency Ratio



Pan India Presence


Customized Health Insurance Plan for you.

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Network hospitals



Incurred claim ratio



Sum insured

Up to 1 CR


No. of Plans



Solvency Ratio



Pan India Presence


How do I cancel my ICICI Lombard Health Insurance?

What's up? Searching for a way to your ICICI Lombard health insurance cancellation? Aa jao boss, bata denge!

Well, cancelling your already running health insurance policy doesn't seem very pleasing. The reason? You are biting your back on your own! Didn't get this? Look, if you cancel your health insurance, who on earth will bear all those hefty medical bills during an unfortunate medical emergency? Of course, health insurers have your back to bear all the medical expenses, which is a huge plus.

However, it depends on your current priorities - whether you want to cancel/continue your health insurance. We understand that you wouldn't have cancelled this policy if there was nothing urgent. So, we have the guide on your ICICI Lombard health policy cancellation, read further to get your answers about your policy cancellation and thank us later.

When should I cancel my ICICI Lombard health policy?

There's not a fixed time for your ICICI Lombard health insurance cancellation, but there are chances of saving your paid premiums from drowning.

So, if the policyholder cancels their health insurance policy during the free-look period, there will be fewer deductions on the total refund. We won't say that you'll get a full refund for cancelling your ICICI Lombard health policy. However, the insurance companies give you 15-30 days which is the free-look period. This is a compulsory rule imposed by IRDAI to allow some relief to the policyholders so that they can review and make changes to their policy according to their requirements. After deducting some amount that the company has invested in issuing you the health insurance like, stamp charges, health check-ups before policy commencement, unpaid premiums for the unexpired policy, etc; the company will refund your premiums as you are no longer planning to continue it.

Now, some people may think what if I cancel my health policy after the free-look period? This question has also got an answer.

Time Refund %
Within 1 month Approx. 75%
Within 3 months Approx. 50%
Within 6 months Approx 25%
After 6 months Nil

Note- This is only a basic representation of what you'll receive on cancelling your health insurance after the free-look period. It may vary according to the type of policy, terms and conditions of the policy, or the policy tenure for which your policy documents were curated.

Types of deductions in the refund amount

There are three different categories of deductions on premium refunds, that apply to health policy cancellation. No matter whether you proceed with cancellation in the free-look period or beyond that. The specifications of deductions are listed below:

  • Pro-rata premium risks
  • Stamp duty
  • Health examination charges (if the insurer has paid for it)

Process of ICICI Lombard Health Insurance Cancellation

Know the process of cancelling your ICICI Lombard health insurance policy:

  • Step 1

    Inform your insurer at least two weeks before initiating the cancellation process, this will help them guide you throughout the process. The procedure of policy cancellation may take from 7 to 15 working days.

  • Step 2

    Send them a notice of cancellation in writing, stating your reason for cancelling the health policy.

  • Step 3

    Fill in the cancellation form and write the reason for cancellation, submit all the documents (that are mentioned in your policy documents) attached to the cancellation form to your insurer (either online or offline mode).

  • Step 4

    After getting all the documents, the insurer will verify them thoroughly and initiate the process of refund (wherever you choose, in your bank account directly, or via cheque). Remember, the details of cancellation must align with your policy documents.

  • Step 5

    You'll receive your refund of the paid premiums within one/two week/s of the company's business days.

Point of contact and address details of ICICI Lombard Health Insurance

Find here the customer care contact number and other grievance details of the ICICI Lombard health insurance company:

Toll-free number 1800 2666
Alternate contact number (chargeable) 86 55 222 666
WhatsApp 7738282666
Customer support Email ID
Chatbot 'RIA', the automated chatbot
Registered Office ICICI Lombard House 414, P.Balu Marg, Off Veer Savarkar Marg, near Siddhivinayak Temple, Prabhadevi Mumbai-400025
Customer Support Office ICICI Lombard General Insurance Co. Ltd. Ground floor- Interface 11, 6th floor- Interface 16, Office no 601 & 602, New Link Road, Malad (West), Mumbai - 400064

Still confused about how to get a resolution to your ICICI Lombard health insurance cancellation request? Sit back and relax, rest is on us!

Reach out to the pioneers of insurance at, ring us on 1800 4200 269 or shoot us a query at

Explore more plans from ICICI Lombard

ICICI Lombard Insurance company offers several tailored health plans that are designed to serve you in the best way possible. Take a look:

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

  • 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


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

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

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

A comprehensive plan for you and your family covering

Unique Features

  • Swine Flu Treatment Covered
  • Pre Existing Disease Covered
  • Cumulative Bonus upto 50 %

Health AdvantEdge (Pros)

  • No health check-ups
  • Domestic Air Ambulance
  • 24x7 Customer Support
  • Newborn baby and vaccine cover
  • Health rewards

Health AdvantEdge (Cons)

  • No Non-allopathic Treatments
  • Unproven treatment not covered
  • HIV/AIDS treatments not covered
  • 3-Year Waiting Period
  • Obesity treatment not covered

Health AdvantEdge (Other Benefits)

  • Bariatric surgery cover
  • Maternity Expenses Covered
  • Orthopaedic Expenses Covered
  • Chemotherapy Covered
  • Eye Surgery Covered

Health AdvantEdge (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 2 L to 5 L
  • Waiting Period -30 Days

Senior Citizen Plan

A versatile health insurance plan with vital features like outpatient treatment coverage, Maternity Benefits, Newborn Baby Cover, and more.

Unique Features

  • Worldwide cover
  • Daycare Procedures Covered
  • OPD cover

Health Shield 360 (Pros)

  • Wellness Benefits
  • Pre Hospitalization Cover
  • Post Hospitalization Cover
  • Compassionate Visit
  • No-claim Bonus

Health Shield 360 (Cons)

  • Obesity/ weight control
  • Change of gender treatments
  • Cosmetic or plastic surgery
  • Hazardous or adventure sports
  • Breach of law

Health Shield 360 (Other Benefits)

  • Automatic Restoration
  • Organ Donor cover
  • Reset Benefits
  • Additional sum insured option
  • Air Ambulance

Health Shield 360 (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 75 Years
  • SI - 75 L - 1 Crore
  • Waiting Period - 30 Days

Cancel ICICI Lombard Health Insurance: FAQ's

1. Can the ICICI Lombard health insurance company cancel my policy?

Yes, the insurance company is entitled to cancel your health insurance at any time. Given that, you've been subjected to commit any unlawful activities, or alleged to hide/misinterpret any required information.

2. What is the free-look period of ICICI Lombard health insurance?

Top health insurance plans of ICICI Lombard have a free-look period of 15 days. Some plans also come with a 30-day free-look period.

3. Is it compulsory for the health check-up cost to be deducted from my premium refund on cancellation?

Yes, if the company has invested any amount on your pre-policy health check-up, there will be certain deductions involved.

4. I've cancelled my ICICI Lombard health policy, can I retrieve the same policy again?

Health insurance once cancelled remains cancelled, there's no way to retrieve the same. You need to buy another health plan or the same health plan that you cancelled again.

5. Can I expect a full refund on my ICICI Lombard health policy cancellation after the free-look period?

No. Even cancelling the health policy during the free-look period comes with standard deductions like stamp charges, health examination expenses, and premium pro-rated risk amount.

Health Insurance Companies

ICICI Lombard Health Insurance Reviews

For a better insight into the company, do not forget to go through the ICICI Lombard Health Insurance Reviews.

Customer Review Image

Anita Sandhu


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...

Customer Review Image

Khushpreet Singh


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.

Customer Review Image

Arjun Palta


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...

Customer Review Image

Vayu Sharma


February 26, 2024

The insurance team at PolicyX was so helpful while purchasing my health insurance from ICICI Lombard Health Insurance.

Customer Review Image

Nipun Singh


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.

Customer Review Image



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.

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Kalpana Pushkar


February 9, 2022

ICICI Lombard s individual health insurance plan is an excellent one that provided me with complete coverage at affordable rates.

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Jubin Katyal


September 8, 2021

Very Good company ICICI. I am impressed with their services. I will recommend this compnay from my side

View All ICICI Lombard Health Insurance Reviews

Simran Nirala

Written By: Simran Nirala

Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.