Learn about ICICI Lombard Health Insurance (A Guide)

ICICI Lombard Health Insurance is a subsidy of its parent company ICICI Bank. The company has more than 6500 + network hospitals, 273+ branches, and more than 840 offices all across the nation.
The insurer has an in-house claim settlement team to assure that all legitimate claims are settled promptly without any inconvenience to its clients and has a claim settlement ratio of 78.62%.
ICICI Lombard offers a wide variety of health plans to cater to all types of customers. The company provides various health products for individuals, senior citizens, and the entire family at an affordable premium.

In this article, we will discuss the following:

• Health insurance plans offered by ICICI Lombard
• Why choose ICIC Lombard Health Insurance?
• Benefits of ICICI Lombard Health Insurance
• How to file a claim with ICICI Lombard Health Insurance?
• ICICI Lombard Health Insurance renewal
• ICICI Lombard Health Insurance coverage

About ICICI Lombard Health Insurance

Health insurance plans offered by ICICI Lombard

ICICI Lombard Complete Health Insurance Plan

This is an all-inclusive health plan for you and your loved ones. It covers hospitalization expenses and also offers numerous benefits like unlimited sum refill, a super no claim bonus, and more.

ICICI Lombard Health Booster Plan

This is a super top-up plan that starts covering hospitalization expenses once the policyholder exhausts the coverage of his initial base health plan.

ICICI Lombard Personal Protect Plan

This plan is created to financially protect the insured individual against accidents and any disability suffered due to an accident.

ICICI Lombard Arogya Sanjeevani Plan

This is a basic healthcare plan intended to cover hospitalization expenses up to the sum insured limit. It is available on an individual and family floater basis.

ICICI Lombard Corona Kavach Plan

This plan is specially designed to cover hospitalization expenses incurred in the treatment of COVID-19.

Why choose ICIC Lombard Health Insurance?

Far-reaching coverage

Health care plans offered by ICICI Lombard provide extensive coverage which takes care of all the essential and basic healthcare requirements. The company also covers multiple daycare treatments, surgical procedures, pre and post-hospitalization, alternative treatments, ambulance charges, and much more.

Lifetime renewability

Health plans offered by the company come with a lifetime renewal option which means the policyholder can renew their plan without any restrictions on age limit.

Claim settlement ratio

The company has a good track record when it comes to settling claims. It has a decent claim settlement ratio of 78.67%.

Cashless facility

Avail prompt and top-quality cashless treatments in more than 6500+ networks of hospitals all around India.

In house claim settlement

There is no third-party administrators involved in settling company claims. ICICI Lombard Health Insurance has a direct in-house claim settlement team resulting in a quicker claim process.

Customer support

The company provides 24/7 assistance where its representatives offer quality assistance when it comes to resolving customer queries. ICIC Lombard  is known to bring in quick resolutions in matters about claims, renewals, and other insurance-related complaints.

Benefits of ICICI Lombard Health Insurance 

Sum refill benefit

Receive the benefit of automatic sum restoration that reinstates your coverage when you exhaust your sum insured due to previous claims. This benefit provides you a sigh of relief during serious medical situations as it provides you additional medical coverage during difficult times.

No Claim Bonus

Multiple plans offered by the company provide the advantage of a cumulative bonus which boosts your sum insured as a reward for claim-free years.

Tax benefit

You can avail of tax deductions on the premium paid towards your health policy under as per section 80C of The Income Tax Act 1961.

Health rewards

The company offers health rewards in form of wellness points when you take good care of your health and wellbeing. You can redeem these points on policy renewal.

Value-added benefits

Along with extensive coverage, the company offers numerous other benefits like free health check-ups, wellness coaching, health coach, weight management services, and more.

How to file a claim with ICICI Lombard Health Insurance?

Cashless claim

You can file for cashless claim if you are admitted to a network hospital of the company.

Follow the simple steps laid down by us to file for the cashless claim.

Step 1– Inform the company 2 days in advance in case of a planned hospitalization and within 24 hours in case of emergency hospitalization. You can inform the company by calling them on their toll-free number:- 1800 2666.

Step 2– Visit the insurance/TPA desk at the hospital and show them your ICICI Lombard health card and ID card for verification.

Step 3– Duly fill and sign the pre-authorization request form and submit it at the insurance desk in the hospital. You can download the claim request form from the official website of the company.

Step 4– The company will verify the claim request with the terms and conditions of the policy and shall approve the claim accordingly.

Step 5– Once the claim is approved the company will directly settle the bill with the hospital.
Note: In case of claim rejection, the company will state the reason for the same in writing.

Reimbursement claim

You will have to file for a reimbursement claim when admitted to a non-network hospital of the company or when your cashless claim has been disapproved.
In a reimbursement claim, you will have to clear the hospital bill from your pocket and then can file for a refund from the company.
Follow these simple steps to file for reimbursement claim with ICIC Lombard Health Insurance

Step 1– Inform the company 2 days in advance in case of a planned hospitalization and within 24 hours in case of emergency hospitalization. You can inform the company by calling them on their toll-free number:- 1800 2666.

Step 2– After discharge, collect all supporting documents and submit them to the company to initiate the reimbursement process.

Step 3– ICICI Lombard will review the claim request along with the terms and conditions of the policy.

Step 4– Once the claim is approved, the company will transfer the claim amount directly into the insured’s linked bank account within 15 days of the claim application.

Documents required to file a claim

• Discharge summary
• Original hospital bills, receipts
• Original bills, receipts of chemist and pharmacy
• Doctor’s consultation reports
• FIR (if applicable)
• Death certificate ( If applicable)
• Original policy document
• Health card
• Original reports, scans, MRI, CT Scan, other reports

ICICI Lombard Health Insurance renewal

It is necessary to renew your health policy on time to enjoy the constant benefits provided under the plan. Follow these simple steps to renew your ICICI Lombard Insurance policy.

Online

Step 1– Visit the official website of the company i.e www.icicilombard.com

Step 2– Click on the “ Renewal” tab.

Step 3– Enter your existing policy number and date of birth.

Step 4– Verify your premium amount and make the payment online.

Step 5– Your plan will be instantly renewed. You will receive a confirmatory email along with a premium payment receipt on the registered email id.

Offline

You can also renew your policy by contacting the customer executives on their toll-free number 1800-2666 and state your request.
You can also visit the nearest branch of the company to get your policy renewed.

ICICI Lombard Health Insurance coverage

Inclusions

Below provided are a few general inclusions in ICIC Lombard Health Insurance Plans. These inclusions may vary from policy to policy.

• Inpatient hospitalization
• Room rent, ICU, nursing expenses
• Treatment expenses
• Emergency services
• Pre and post hospitalization expenses
  Daycare procedures
• Laboratory services
• Ambulance services
• Prescriptions drugs
• Free health check-up

Exclusions

Below provided are a few general exclusions in ICIC Lombard Health Insurance Plans. These exclusions may vary from policy to policy.

• Intentional self-harm
• Lifestyle induced diseases
• Cosmetic and plastic surgery
• Unproven treatments
• Weight control and obesity treatments
• Cosmetic and plastic surgery
• Injury from war or invasion
• Supplementary vitamins and tonics
• Any illness due to an intoxicating substance
• Childbirth defects and disorders