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ICICI Lombard Health Insurance

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ICICI Lombard Health Insurance
Highlights
Cashless Approval TAT2 hr Cashless Claim Processing
Claim Settlement Ratio99.70%
Network Hospitals7,500+
Pre-existing Disease Waiting Period2 year
Special BenefitsAnywhere Cashless
Starting Premium for Rs. 5 lakh SIRs. 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

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Disclaimer : Actual Premium might vary basis your location, age and number of members

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)
  • 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 PlanSum Insured
Health BoosterMin: 3 Months; Max: No Limit5 Lakh Check Premium
Healthcare Plus PolicyMin: 5 years; Max: 65 years3 Lakh - 10 Lakh Check Premium

Top Plan offered by ICICI Lombard Health Insurance

Plans

Plan Type

Sum Insured

Suitable For

ICICI Health AdvantEdge

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:

    • 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

  1. About Us [1]
  2. Health Insurance Plans: Buy Medical Policy Starting at ₹18/Day [2]
  3. https://www.icicilombard.com/health-insurance/ [3]
  4. Milestones - Innovations, Awards [4]
  5. https://www.icicilombard.com/grievance-redressal [5]

Health Insurance News

FAQs

  • Why should I buy ICICI Lombard health insurance policy?

    ICICI Lombard Health Insurance is a smart choice to secure yourself and your loved ones against medical contingencies. The plans offered provide comprehensive health coverage along with outpatient department (OPD) benefits, maternity cover and a host of wellness benefits. Also, there are various value added services that enable you to enhance the sum assured, in case of claim-free years.

  • 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.

  • What is the toll free number of ICICI Lombard General Insurance?

    ICICI Lombard’s toll free number is 1800-2666.

  • 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.

  • 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.

User Reviews

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  • Future secured with the help o...

    InsuranceDekho helped me and my family with choosing ICICI Lombard's health insurance, it has been a lifeline. It is simple to obtain the appropriate coverage because their plans are designed to fit a range of demands and price points. I am comfortable knowing that I have adequate coverage against unforeseen medical costs thanks to ICICI Lombard. Thanks to InsuranceDekho’s team for making my future save.

    K
    ICICI Lombard
    By Keshav Kumar
    On: Jun 25, 2024
  • User-friendly website

    It was easy to get ICICI Lombard Health Insurance through InsuranceDekho. The portal made it easy for me to compare plans and provided a wide range of excellent options. The procedure was simple and stress-free thanks to their thorough explanations and assistance. I'm delighted with the quick and effective service I received.

    S
    ICICI Lombard
    By Shivani Jangra
    On: Jun 20, 2024
  • Selecting health insurance mad...

    Choosing health insurance has never been easier thanks to InsuranceDekho! I had no issue exploring their website and locating the “ICICI Lombard Personal Protect Plan” that I wanted to buy. They also have a really friendly customer service team that answered all of my questions.

    K
    ICICI Lombard
    By Kiran Joshi
    On: May 28, 2024
  • Claim settlement process made ...

    Smooth process overall. ICICI Lomabrd's claims were settled without much delay. Wish the premium was a tad lower, but still satisfied. InsuranceDekho has been a huge help throughout the process. Wonderful customer care team.

    K
    ICICI Lombard
    By Khushi Sharma
    On: May 23, 2024
  • Affordable Financial Protectio...

    I bought the ICICI Lombard Health Insurance Plan from their online platform. The insurance experts of the InsuranceDekho company explained all the policies available in detail. It was very easy for me to compare the health insurance plans and choose the best for myself. My heartful thanks to the InsuranceDekho company for helping me in buying the best health insurance plan.

    R
    ICICI Lombard
    By Rohit Kumar
    On: Mar 12, 2024