ICICI Lombard Health Insurance Company

ICICI Lombard Health Insurance

ICICI Lombard Health Insurance is a part of the ICICI Lombard General Insurance Company, which is termed as one of the top companies in private general insurance sector. ICICI Lombard is formed as a collaboration between ICICI Bank Limited and Fairfax Financial Holdings Ltd. of Canada. The company has received many accolades over the years in the form of awards and appreciations for their customer-focused approach.

ICICI Lombard Health Insurance

Highlights of ICICI Lombard Health Insurance Company

Claim Settlement Ratio 99.7%
NCB* Up to 50% additional sum insured*
PED Waiting# 48 months
Network Hospital 9500+
Top Health Insurance Plans by ICICI Lombard Health Insurance

Compare Top Health Plans from ICICI Lombard Health Insurance

Golden Shield Plan
Health Advantage Plan
Health Elevate
Features
PED coverage
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covered-check
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Wellness Program
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covered-check
covered-check
Health Check-up
covered-check
covered-check
covered-check
Domestic Air Ambulance
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covered-check
notcovered-check
Domiciliary Hospitalization
covered-check
covered-check
notcovered-check
Lifelong Renewability
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covered-check
notcovered-check
AYUSH
covered-check
covered-check
covered-check
Day Care Treatment
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covered-check
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Features
PED coverage
Wellness Program
Health Check-up
Domestic Air Ambulance
Domiciliary Hospitalization
Lifelong Renewability
AYUSH
Day Care Treatment

Awards and accolades won by ICICI Lombard Health Insurance Company

ICICI Lombard has received many awards:

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The company is the winner of ATD Best Award.

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They won the Claim Leader Award.

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Recipient of CLO Global Learning Elite Award.

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Winner of ‘20 Best Insurers in the Asia Pacific Region’ 2020 award.

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They received the Golden Peacock Award for Business Excellence in 2016

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Also received the Claim Service Leader Award in 2016.

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Received the Golden Peacock Innovation Management Award in 2015.

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Received the ‘E-Business Leader’ Award in the General Insurance Category at the 5th annual edition of the Indian Insurance Award, 2015.

Key Highlights of ICICI Lombard Health Insurance

Key Features

Specifications

Network Hospitals Available

9500+

Waiting Period (Pre-existing Ailments)

2-4 years

ICICI Health Claims Settlement Ratio

99.7%

Policies Issued

42,34,760

Covid-19 cover

Provided

Renewability

Lifelong

Features of ICICI Lombard Health Insurance

Features

Meaning

OPD Cover

ICICI Lombard’s health policies cover the expenses of all minor and major health issues.

Covers In-Patient Hospitalisation Expenses

The health policies of ICICI Lombard cover in-patient hospitalization for insured who are hospitalized for 24 hours or more.

Pre-hospitalization cover

This is the cost of treatment that the insured has to incur before getting admitted to the hospital. ICICI Lombard covers the maximum days of pre-hospitalization under this benefit

Post-hospitalization cover

Post-hospitalization costs are the medical expenses that the insured incurs after getting discharged from the hospital for a specific number of days. ICICI Lombard health plans allow maximum post-hospitalization coverage

Day-care cover

Day-care procedures are medical treatments that do not need 24-hour hospitalization. Such treatments are called daycare treatments and they are covered under the scope of ICICI Lombard health insurance plans

Ambulance cover

Ambulance services to reach the hospital to admit the insured is covered up to specified limits. Many ICICI Lombard covers domestic ambulance cover for both road and air ambulances.

Domiciliary cover

Domiciliary treatment is when the insured patient receives treatment at home due to the non-availability of hospital beds or for other genuine reasons. Such hospitalization is covered under most of the ICICI Lombard health plans

Organ donor cover

If the insured requires a donor to donate an organ to save his/her life, the cost of harvesting the organ for surgery is covered under ICICI Lombard health plans. So, the costs incurred on the hospitalization of the donor donating an organ to the insured are covered under this feature

Free health check-ups

Many ICICI Lombard health plans offer free health check-ups regularly to monitor the health of the insured

Exclusions in ICICI Lombard Health Insurance

Like every health insurance company, ICICI Lombard also has a list of exclusions that won’t be covered. It is possible to find the exact exclusion list in the policy wordings. Nevertheless, some common exclusions include the following:

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Pre-existing conditions have a specific waiting period. These illnesses are covered after the waiting period is over.

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Pregnancy and maternity-related treatments are excluded unless they are covered under the policy

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Cosmetic or medically unnecessary treatments are excluded.
Unproven medical treatments are not covered.

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Claims due to war, civil commotion, nuclear perils, etc. are excluded.

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HIV, AIDS or STDs are not covered.

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OPD expenses are not covered unless otherwise stated

Health Insurance plans offered by ICICI Lombard

Here are some of the top ICICI Lombard Health Insurance Plans:

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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 15 critical diseases.

Coverage and Benefits –

  • Up to 1500 rupees ambulance charges covered.
  • Pre-hospitalization costs up to 30 days and post-hospitalization costs up to 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.

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2. ICICI Health Care Plus

Entry Age – 18 to 65 years

Coverage and Benefits

  • 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

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3. ICICI Lombard Arogya Sanjeevani Policy

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

  • Sum Assured – 1 lakh to 5 lakh rupees
  • Entry Age – 3 months to 65 years
  • Waiting period – 4 Years

Coverage and Benefits

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

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4. ICICI Lombard Health Booster Policy

This ICICI Lombard insurance is a super top-up plan that is available as individual and family floater.

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

Coverage and Benefits

  • Domiciliary hospitalization coverage
  • Pre and post hospitalization costs
  • Daycare treatment coverage
  • In-patient hospitalization costs covered
  • Road ambulance costs cover
  • Add-on coverage available such as personal accident cover, daily cash allowance at hospital, restoration benefit, cover for critical illness up to 60 years.

Eligibility conditions

Minimum entry age

18 - 21 years for adults and 91 days for children

Maximum entry age

75 years for adults and 20 years for children

Sum insured

INR 1 lakh – INR 1 Crore

Policy term

1 year – 2 years

Number of family members covered

Self, spouse, up to 2 dependent children, dependent parents, dependent siblings

Renewability

Lifetime renewability

Waiting period (Initial waiting period

30 days

Waiting period (PED)

12 -24 months

How to buy ICICI Lombard Health Insurance Plan?

Go to the official portal of ICICI Lombard Health Insurance. Go to “Health”. Choose a preferred plan according to your requirements. Answer a few questions about the policy seeker and submit to get quote.

Or visit the Paybima portal and select Health Insurance from the options available.

1

Visit the Paybima homepage and click on the ‘Health Insurance’ tab in the dropdown menu.

2

Fill in your required details and request a callback.

3

A Paybima representative will help you buy the most suitable plan.

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You may also reach us at 1800 267 67 67 from 10 AM to 7 PM, or

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You can visit a Paybima branch near you.

The process of renewing ICICI Lombard Health Insurance Policy

How to File a ICICI Lombard Health Insurance Claim?

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

1

For planned hospitalization the insured should inform the insurance company two days in advance of getting admitted in the hospital.

2

For sudden hospitalizations, the insured should inform the insurance company within 24 hours of getting admitted in the hospital.

3

Also, the insured can call at the insurer’s toll-free number and intimate the health insurance provider.

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The insured can also email the insurer at [email protected] to ensure the ICICI Lombard health insurance claim status.

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Finally, to know ICICI Lombard claim status the insured can also contact the head office of the company with the relevant documents located at: ICICI Bank Tower, Plot No. 12, Financial District, Nanakramguda, Gachibowli, Hyderabad -500 032.

Guaranteed Claim Support

When you buy or renew a health insurance plan from us, we guide at every step till your claim is settled.

Start your claim process with us to get our support

Review of ICICI Lombard Health Insurance Company

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ICICI Lombard Health Insurance offers a wide range of health insurance policies for individuals and families making it one of the best insurance providers. Most of their plans are comprehensive and offer wide options of coverage.

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ICICI Lombard Health Insurance is one of the most reputed insurers in India offering a gamut of plans with premium features and benefits at affordable prices.

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ICICI Lombard has commendable customer service and they are quick in responding to customer queries, which is one of the best features of the insurer.

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