ICICI Lombard Health Insurance
Cashless Approval TAT | 2 hr Cashless Claim Processing |
Claim Settlement Ratio | 99.70% |
Network Hospitals | 7,500+ |
Pre-existing Disease Waiting Period | 2 year |
Special Benefits | Anywhere Cashless |
Starting Premium for Rs. 5 lakh SI | Rs. 581/month |
ICICI Lombard is one of the leading general insurance providers in the country. The company was founded in 2001 with a joint venture between Toronto-based Fairfax Financial Holdings Limited. It offers a well-diversified range of products to its customers through multiple distribution channels, including motor, health, crop, fire, personal accident, marine, engineering, and liability insurance. ICICI Lombard focuses on customer-centricity with its brand philosophy of “Nibhaaye vaade”. Over 36.2 million policies have been issued by the company and 2.9 million claims have been settled.[1]
About ICICI Lombard Health Insurance
ICICI Lombard Health Insurance company is working great in the field of the health insurance sector. It offers a wide range of products in health insurance which covers the expenses of health for an individual and their family. Customers love ICICI Lombard because of its quick claim intimation and also for unlimited reset benefits for the sum insured.[2]
Key Features
Listed below are the key features of ICICI Lombard Health Insurance:
- Cashless Everywhere: There is the freedom to choose the hospital of your choice and get cashless treatment in that hospital. ICICI Lombard not only gives cashless treatment at network hospitals but also at hospitals which are not on the list.
- Befit Cover: This covers the cashless treatment of OPD. Befit will cover your expenses which include physical and virtual consultations by general, specialist, super-specialist doctors and physiotherapy sessions.
- Domiciliary coverage: There are plans in ICICI Lombard Health Insurance through which they cover the expenses of medical treatment given at home due to unavailability of room or the patient being unable to move.
- Annual Health Checkup: Free annual health checkup is available in the plans of ICICI Lombard health insurance. An individual will get a free health checkup for himself and his family.
Health Insurance Calculator
Whom do you want the insurance for ?
Select the age of all members
- You
Where do you live ?
Choose required Coverage for yourself?
Key Metrics
Go through the key metrics of ICICI Lombard Health Insurance from the table below:
Key Metrics |
Data |
Claim Settlement Ratio (FY 2022) |
99.7 |
Solvency Ratio |
2.51 |
Lives Covered |
2.17Cr |
Network Hospital |
9500+ |
Launch Year |
2001 |
* Claim settlement ratio is the metric used to evaluate the insurance company on the basis of claims settled by them. The percentage of claims received and from that how much claim is settled is calculated and then the claim settlement ratio comes out. If the company has a claim settlement ratio greater than 85% then it is considered good to go for an insurance policy.
* Solvency ratio is used to calculate the financial stability of the company. It is used to measure whether the company is capable of paying its long-term debt or not.
ICICI Lombard Health Insurance Plan List
- Individual (1)
- Family (1)
- Woman (1)
- Parents (1)
- Blood Pressure (1)
- Kids (1)
- Thyroid (1)
- Diabetes (1)
Health AdvantEdge
Cover
5 Lakh
Cashless Hospital
7934
Starting From ₹ 659/month*
Eligibility to Purchase ICICI Lombard Health Insurance Plan
There are a few eligibility criteria that should be fulfilled to purchase health insurance from ICICI Lombard and those eligibilities are:
- An adult must be older than 21 years old to purchase a health insurance plan.
- A child must be older than 3 months to add to the family floater policy to get the benefits of health insurance
ICICI Lombard Health Insurance Top Up List
- Family (1)
- Individual (1)
- Kids (1)
Name of Plan | Sum Insured | |
Health BoosterMin: 3 Months; Max: No Limit | 5 Lakh | Check Premium |
Healthcare Plus PolicyMin: 5 years; Max: 65 years | 3 Lakh - 10 Lakh | Check Premium |
Top Plan offered by ICICI Lombard Health Insurance
Plans |
Plan Type |
Sum Insured |
Suitable For |
Individual and family floater |
Rs.5 lakh to Rs.3cr |
Family |
Riders Offered By ICICI Lombard Health Insurance
The riders that one can get along with ICICI Lombard’s base health insurance policy are as follows:
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- Critical Illness cover: This rider offers coverage of medical expenses incurred in the serious conditions of some diseases like cancer of specified severity, first heart attack of specified severity, open chest CABG and kidney failure which requires regular dialysis.
- Hospital Cash Cover: Under this rider, you will get cash as a daily expense allowance and it is like a helping hand during that time. This helps in bearing out-of-pocket expenses during hospitalisation.
- Organ Donor Expenses: ICICI Lombard gives its customers a very good rider option in which you will get coverage of medical expenses incurred in organ donation. There are certain terms and conditions in the policy documents and this also depends on the plan you have purchased.
- Maternity Rider: It is the add-on for the health insurance plans offered by ICICI Lombard Health Insurance. It will cover maternity-related medical expenses including both caesarean and normal delivery.[3]
* Please Note: All the riders offered by the company are paid one and you have to pay an extra premium for that to get the benefits of riders. These riders depend on the plan you have purchased.
How To Purchase ICICI Lombard Health Insurance Policy?
There are two ways through which you can purchase the ICICI Lombard Health Insurance policy, one is online and another is through agents.
Purchase ICICI Lombard Health Insurance Policy via the Insurer’s Website
Please follow the given below process for purchasing ICICI Lombard Health Insurance from its official website:
Step 1: Visit the ICICI Lombard Health Insurance Website
On your search engine open the ICICI Lombard website and visit the health insurance section.
Step 2: Fill in the Required Details
Fill in the basic information required such as name, contact number, pre-existing disease, etc.
Step 3: Choose a Plan
Choose the plan and modify it by choosing the sum insured and riders according to your needs.
Step 4: Make Premium Payment Online
After choosing the plan go to the payment option and choose the payment option according to your convenience and make payment.
Documents Required for Purchasing Your Policy
- Copy of the Proposal Form and OTP Verification
- Medical Reports
- Address Proof (Aadhaar Card, Passport, Driving Licence, Electricity Bill, Telephone Bill, Voter ID).
- Proof of age (10th or 12th Mark Sheet, Voter’s ID, Passport, PAN Card, Driving Licence)
- Passport-size Photographs
How to Claim Your Health Insurance?
ICICI Lombard Health Insurance provides cashless benefits to their customers at network as well as non-network hospitals. To get a claim for planned hospitalisation you have to inform the insurer before 48 hours of hospitalisation and in an emergency you have to give information within 48 hours of admission. You have to visit the official website of ICICI Lombard and you can file your claim online by clicking on the claim option. Kindly read the terms and conditions of your policy document before filing the claim.
Awards and Achievements of ICICI Lombard Health Insurance
- CX Strategy Summit & Awards for CX Technology Implementation and the Customer Experience Team of the Year
- Assocham 14th Global Insurance Awards in ‘Highest Growth GI’ Category
- CSR Times Awards for Niranjali Initiative in the Swachh Bharat category
- Dun & Bradstreet BFSI Fintech Awards in Best Insurance Company in Non-Life Insurance sector category
- Finnoviti Awards 2022 for our Face Scan feature of IL TakeCare App[4]
ICICI Lombard Health Insurance - Customer Service & Support
To connect with ICICI Lombard Health Care’s customer service and support team you can:
- Visit IL TakeCare App
- Call on- 1800 2666
- Email at- customersupport@icicilombard.com
- Ask “Ria”(Responsive & Intelligent Assistant) and get a hassle-free solution
- Text “Hi” on WhatsApp at 7738282666
You can also connect with InsuranceDekho's Customer Support Team by sending an email to support@insurancedekho.com or by calling +91-755 1196 989.
Complaints & Grievance Redressal
ICICI Lombard has a well-settled grievance cell which will help you in addressing your concerns. You can contact them with the following information:
Write to them at Customer Support,
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
For service requests, email them at customersupport@icicilombard.com [5]
If you have any worries or issues, you may also get in touch with Mr. Rohit Khurana, the designated Grievance Redressal Officer at InsuranceDekho, via grievance@insurancedekho.com. If your concern persists, you can elevate it to the Principal Officer by contacting PO_GIBPL@girnarinsurance.com. Further information is available on our Grievance Redressal page.
References
- About Us [1]
- Health Insurance Plans: Buy Medical Policy Starting at ₹18/Day [2]
- https://www.icicilombard.com/health-insurance/ [3]
- Milestones - Innovations, Awards [4]
- https://www.icicilombard.com/grievance-redressal [5]
FAQs
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How do I cancel ICICI Lombard policy?
You can easily cancel your policy during free-look period, just fill up the form and visit any of the ICICI Lombard branches. Once request is processed, refund of premium amount will be provided after applicable deductions(in any) within 15 days.
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What is the toll free number of ICICI Lombard General Insurance?
ICICI Lombard’s toll free number is 1800-2666.
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What do you mean by floater option in ICICI Lombard health insurance plan?
In a floater option, a single policy under one sum insured covers all the family. It can cover, 2 adults, 2 adults, and 1 child; 1 adult and 2 children; 2 adults and 3 children; 1 adult and 1 child. The sum insured can be used by anyone or all covered under the policy until the time the limit is exhausted.
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Can I insure more than 2 adults or more than 3 children in my ICICI Lombard health insurance plan?
There can be a maximum of 2 adults and 3 children in a policy. If the number of adults or number of children is more than 2+3, you need to buy a separate policy for the additional members.