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ICICI Lombard Corona Rakshak Health Insurance

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ICICI Lombard Health Insurance
Corona Rakshak Policy
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

About ICICI Lombard Corona Rakshak Health Insurance

ICICI Lombard Corona Rakshak Policy is a benefit-based medical insurance policy that offers you the much needed cover during the coronavirus outbreak. It is an affordable health insurance policy that can be purchased on an individual basis by people aged between 18 years and 65 years. If covered under this policy, then you can enjoy a lump sum benefit equal to 100% of the sum insured on positive diagnosis of COVID-19, requiring hospitalization for a minimum continuous period of 72 hours. But you will be able to avail the policy benefit only if the positive diagnosis takes place at a government authorized diagnostic centre. You can purchase the policy for a sum insured option ranging between Rs. 50,000 and Rs. 2.5 lakh (in multiples of Rs. 50,000).

ICICI Lombard Corona Rakshak Policy is a short term policy available for 3.5 months (105 days), 6.5 months (195), and 9.5 months (285 days). To avail benefits under this policy, you will be required to complete a waiting period of 15 days which shall be calculated from the date of commencement of the policy. Note that once the benefits have been provided, the policy shall be terminated. But you will be happy to know that the policy does not come with any deductible or co-payment clause. However, you cannot renew the policy as it does not come with a lifetime renewability feature too.

Also read: COVID 19 Insurance

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Key Inclusions and Exclusions of the Plan

What's Included

  • Lump sum of 100% of the sum insured provided on positive diagnosis of COVID-19 if it requires hospitalisation of at least 72 hours
  • Covers people between 18 years and 65 years of age
  • Sum insured options starting from Rs. 50,000 going up to Rs. 2.5 lakh
  • Policy terms of 3.5 months, 6.5 months, and 9.5 months respectively
  • Offers coverage on individual sum insured basis

What's Not Included

  • Any treatment that is not related to COVID-19 is not covered under the policy
  • Expenses incurred on admission solely for evaluation or investigation purpose
  • Any treatment related to COVID-a9 manifested before policy start date
  • Any expenses incurred on treatment during 15 days waiting period
  • Testing done at a diagnostic center that is not authorized by the government

4280 ICICI Lombard Cashless Network Hospitals in India

Corona Rakshak Policy User Reviews

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What users are saying
  • All
  • Details on COVID 19 insurance

    I learned about the COVID 19 insurance plan and its types from the website of InsuranceDekho. The information was easily accessible and useful. I chose ICICI Lombard’s Corona Rakshak Policy being fully aware of the plan’s benefits and coverages.

    N
    By Naveen Shashtri
    On: Jan 19, 2021
  • Got to know about Covid 19 cov...

    ICICI Lombard’s Corona Rakshak Policy has turned out to be a great health insurance plan for me and my family. Thankfully, before purchasing the policy, I checked the InsuranceDekho website to know more. Getting details about the policy beforehand really helped me.

    D
    By Dripto Ghosh
    On: Nov 20, 2020
  • Individualised suggestions

    I am a policyholder of ICICI Lombard Health Insurance policy. Recently, because of the coronavirus outbreak, I wanted to know whether I could add corona coverage to my existing plan. I contacted the InsuranceDekho team and they suggested to me how I should proceed. Now I have protected my family with ICICI Lombard Corona Rakshak Policy.

    S
    By Shovan Modak
    On: Nov 17, 2020
  • Good plan

    ICICI Lombard corona rakshak policy offers me with a much required coverage against the nove; coronavirus. My father recommended me to get our whole family covered under this plan owing to the current pandemic situation.

    G
    By Gaurav Bhaskar
    On: Oct 23, 2020
  • Good

    Very good policy.

    A
    By Ashvajit Bhupal Patil
    On: Aug 26, 2020

ICICI Lombard Corona Rakshak Policy Brochure

  • 100.29 KB
  • PDF Document
  • Aug 11, 2020

Claim Process at ICICI Lombard Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 1-2 days prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 1-2 days prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Corona Rakshak Policy Health Insurance Plan

  • What are the sum insured options available under ICICI Lombard Corona Rakshak Policy?

    ICICI Lombard Corona Rakshak Policy is available with sum insured options of Rs. 50,000; Rs. 1 lakh; Rs. 1.5 lakh; Rs. 2 lakh; and Rs. 2.5 lakh. 

  • Can I avail tax benefits on the premium paid for ICICI Lombard Corona Rakshak Policy?

    Yes. You can avail tax benefits on the premium paid for ICICI Lombard Corona Rakshak Policy under Section 80D of the Income Tax Act, 1961. 

  • What is the coverage benefit that I can enjoy under ICICI Lombard Corona Rakshak Policy?

    ICICI Lombard Corona Rakshak Policy gives you a lump sum amount equal to 100% of the sum insured on a positive diagnosis of COVID-19 and if it requires hospitalisation of a minimum of 72 hours. 

  • What is the age criteria for ICICI Lombard Corona Rakshak Policy?

    ICICI Lombard Corona Rakshak Policy can be availed by people aged between 18 years and 65 years. 

  • What are the policy terms available under ICICI Lombard Corona Rakshak Policy?

    ICICI Lombard Corona Rakshak Policy can be purchased for policy terms of 3.5 months (105 days), 6.5 months (195 days), and 9.5 months (285 days) respectively.  

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