Check Plans, Features & Claim Advantages


Overview of ICICI Lombard Health Insurance

ICICI Lombard Health Insurance is part of the ICICI Lombard General Insurance Company, which is termed as one in every of the highest corporations in private general insurance sector. ICICI Lombard is formed as a collaboration between ICICI Bank Limited and Fairfax Financial Holdings Ltd. of Canada. The corporate has received many accolades over time in the shape of awards and appreciations for his or her customer-focused approach and modern line of products.

Various forms of insurance offered by ICICI Lombard include;

  • Medical insurance
  • Two-wheeler insurance
  • Automobile insurance
  • Travel insurance
  • Business insurance
  • Rural insurance
  • Home insurance
  • Marine Insurance etc.

Within the medical insurance sector, the insurer offers a good selection of products that provide wide coverage. As well as to plain health plans, the insurer also presents top-up policies to cover policyholders. The insurer has an in depth network of hospitals offering premier cashless treatment and a superb consistent claim ratio that is on the market under ICICI Lombard medical insurance hospital list.

Key Highlights of ICICI Lombard Health Insurance Company

Key Features Specifications
Network Hospitals Available 5025+
Waiting Period (Pre-existing Ailments) 2-4 years
Claims Settlement Ratio 99.98%
Policies Issued 42,34,760
Covid-19 cover Provided
Renewability Lifelong

* Yr Data 2020-21

Awards and Achievements of ICICI Lombard Health Insurance Company

ICICI Lombard has received many awards:

  • The corporate is the winner of ATD Best Award.
  • They won the Claim Leader Award.
  • Recipient of CLO Global Learning Elite Award.
  • Winner of ‘20 Best Insurers within the Asia Pacific Region’ 2020 award.
  • They received the Golden Peacock Award for Business Excellence in 2016
  • Also received the Claim Service Leader Award in 2016.
  • Received the Golden Peacock Innovation Management Award in 2015.
  • Received the ‘E-Business Leader’ Award within the General Insurance Category on the fifth annual edition of the Indian Insurance Award, 2015.

Advantages of Availing ICICI Lombard Health Insurance Plans

Below are the advantages of availing health plans by ICICI Lombard medical insurance:

  • Sum Insured Restoration –  These health plans allow individuals to revive 100% sum insured in the course of the term of the policy if the sum insured gets exhausted due to earlier claims made in the course of the policy yr.
  • Value-Added facilities allowed – These health plans allow value-added services like e-consultation and online consultation with medical practitioners together with offering free health check-up, physiotherapy and so forth.
  • No Restrictions on age of entry – The ICICI Lombard health plans doesn’t have any entry age restriction and thus may be bought at any age.
  • Lifetime Renew facility – These plans offer lifetime renewability option with none restriction of age of policy owner.
  • Wellness Point Rewards – These plans reward policyholders via wellness points for maintaining healthy habits, which may be redeemed later.
  • Network Hospital – There may be an in depth ICICI Lombard hospital list where the insured could take coverage.

Health Insurance Plans Offered by ICICI Lombard Health Insurance Company

Listed here are a number of the top ICICI Lombard Health Insurance Plans:

1. ICICI Complete Health Insurance

  • Sum Assured – 3 lakh – 50 lakh rupees
  • Entry Age – 3 months (Min.), No limit (Max.)
  • Critical Illness – Offer coverage to fifteen critical diseases.

Coverage and Advantages – 

  • As much as 1500 rupees ambulance charges covered.
  • Pre-hospitalization costs as much as 30 days and post-hospitalization costs as much as 60 days covered.
  • Waiting period for pre-existing diseases between 2 to 4 years.
  • Organ donor costs covered.
  • In-patient hospitalization.
  • Health check-up.
  • Wellness program coverage.

2. ICICI Health Care Plus

Entry Age – 18 to 65 years

Coverage and Advantages

  • Inpatient hospitalization costs as per chosen sum assured
  • Room rent
  • Doctors fees
  • Surgeons fee
  • Medicines, equipment, and diagnostic costs
  • 4 years waiting period for pre-existing diseases

3. ICICI Lombard Arogya Sanjeevani Policy

This health plan offers inexpensive health coverage options with sufficient protection.

  • Sum Assured – 1 lakh to five lakh rupees
  • Entry Age – 3 months to 65 years
  • Waiting period – 4 Years

Coverage and Advantages

  • In-patient hospitalization costs
  • Pre, post hospitalization charges
  • Cataract treatment coverage
  • AYUSH treatment coverage

4. ICICI Lombard Health Booster Policy

This ICICI Lombard insurance is a brilliant top-up plan that is on the market as individual and family floater.

    • Sum Assured – Between 5 lakh to 50 lakh rupees
    • Entry Age – 3 monthsCritical Illness – Cover for adults as much as 60 years
  • Policy Term – 1, 2, 3 years

Coverage and Advantages

  • Domiciliary hospitalization coverage
  • Pre and post hospitalization costs
  • Daycare treatment coverage
  • In-patient hospitalization costs covered
  • Road ambulance costs cover
  • Add-on coverage available comparable to personal accident cover, day by day money allowance at hospital, restoration profit, cover for critical illness as much as 60 years.

The way to buy ICICI Lombard Health Insurance Policy

Below are the steps to follow:

  • Select Gender and full name and age.
  • Enter phone number and click on on view plans.
  • Click the ‘proceed’ tab and choose your city and enter the pin code.
  • Select the plan from the choice offered.
  • Compare different plans and calculate ICICI Lombard medical insurance premium online.
  • Once you choose for the best plan, you’ll be able to buy the policy by paying the premium or can contact the shopper support team to get more details.
  • Once the premium is paid, the insurer will email the policy details to you.

The means of Renew of ICICI Lombard Health Insurance Plans

Below are the steps for the ICICI Lombard medical insurance renewal process:

  • Go to the renewal section of the insurance company’s website.
  • Fill in your policy details –
    • Policy number,
    • Email ID,
    • Date of birth,
    • Registered mobile number etc.
  • When you submit the main points, you’ll get to know the premium amount of the policy.
  • You’ll be able to click on the button to Proceed.
  • Make the payment through online banking.
  • Now select the following button to renew the policy and check the ICICI Lombard policy status.

The way to File a ICICI Lombard Health Insurance Claim?

To file a claim for ICICI medical insurance it’s required to first register a claim with the applicant. Below are the steps to file for a ICICI Lombard health claim:

  • For planned hospitalization the insured should inform the insurance company two days upfront of getting admitted within the hospital.
  • For sudden hospitalizations, the insured should inform the insurance company inside 24 hours of getting admitted within the hospital.
  • Also, the insured can call on the insurer’s toll-free number and intimate the medical insurance provider.
  • The insured may also email the insurer at ihealthcare@icicilombard.com to make sure the ICICI Lombard medical insurance claim status.
  • Finally, to know ICICI Lombard claim status the insured may also contact the top office of the corporate with the relevant documents positioned at: ICICI Bank Tower, Plot No. 12, Financial District, Nanakramguda, Gachibowli, Hyderabad -500 032.

Claim Settlement Ratio of ICICI Lombard medical insurance

The ratio of claims which might be settled by an insurer during a policy yr as against the entire claims that the insurer receives in the course of the yr is known as Claim Settlement Ratio.

The claim settlement ratio of ICICI Lombard Medical insurance for the financial yr 2018-19 was 78.32%, while it was 78.67% for the FY 2019-20.

Financial Yr Claim Settlement Ratio
2018-2019 78.32%
2019-2020 78.67%

FAQs on ICICI Lombard Health Insurance

Why ICICI Lombard Health Insurance?

ICICI Lombard Health Insurance is part of the ICICI Lombard General Insurance Company, which is termed as one in every of the highest corporations in private general insurance sector. The corporate has received many accolades over time for his or her customer-focused approach and modern line of health products. The insurer offers a good selection of products with wide coverage. As well as to plain health plans, the insurer also presents top-up policies to cover policyholders. They’ve an in depth network of hospitals offering premier cashless treatment and a superb consistent claim ratio.

What are the advantages of shopping for ICICI Lombard medical insurance plans?

Below are the advantages of shopping for ICICI Lombard medical insurance plans:

1. Sum Insured Restoration – These health plans allow individuals to revive 100% of the sum insured in the course of the term of the policy if the sum insured gets exhausted due to earlier claims made in the course of the policy yr.

2. Value-Added facilities allowed – These health plans allow value-added services like e-consultation and online consultation with medical practitioners together with offering free health check-up, physiotherapy and so forth.

3. No Restrictions on age of entry – These health plans have no entry age restriction and thus may be bought at any age.

4. Lifetime Renew facility – These plans offer lifetime renewability option with none restriction of age of policy owner.

5. Wellness Point Rewards – These plans reward policyholders via wellness points for maintaining healthy habits, which may be redeemed later.

Can I port out my current plan to any of the ICICI Lombard medical insurance plans?

Yes, most ICICI Lombard health plans allow portability features throughout the company from one plan to a different in addition to from one policy provider to a different. It’s essential to approach the corporate to avail this feature.

What’s the process to make a claim through the ICICI Lombard Insurance Company?

# For planned hospitalization the insured should inform the insurance company two days upfront of getting admitted to the hospital.
# For sudden hospitalizations the insured should inform the insurance company inside 24 hours of getting admitted within the hospital.
# Also, the insured can call on the insurer’s toll-free number and intimate the medical insurance provider.
# The insured may also email the insurer at ihealthcare@icicilombard.com.
# Finally, the insured may also contact at the top office of the corporate in Hyderabad.

What sort of insurance policies are offered by the ICICI Lombard Insurance Company?

The assorted forms of insurance offered by ICICI Lombard include;

1. Medical insurance
2. Two-wheeler insurance
3. Automobile insurance
4. Travel insurance
5. Business insurance
6. Rural insurance
7. Home insurance
8. Marine Insurance etc.

The way to make the ICICI Lombard Insurance online payment to renew the policy?

Below are the steps:

# Go to the web site of ICICI Lombard health Insurance.
# Click on ‘Renew’ on the house page.
# Submit policy details. Now, click on the tab ‘Renew’.
# Select the quote that suits you aptly.
# Make the payment online.

What are the medical insurance claim settlement options offered by ICICI Lombard?

Policyholders of ICICI Lombard medical insurance could make medical insurance claims via any of the 2 options of cashless treatment or reimbursement claim option.

What are the documents required for the claim settlement process at ICICI Lombard?

Following documents are required to settle medical insurance claims of ICICI Lombard:

• Claim form duly stuffed with relevant information.
• Original hospital receipt summary.
• Original report of discharge.
• All medicine bills and investigation reports, comparable to x-ray, blood tests, scans, etc.
• Follow-up treatment details.


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