ICICI Lombard Health Insurance FAQs

The list of documents includes claim form, original hospital bills, discharge summary, original discharge report, other reports like medicine bills along with a prescription, attending physician’s reports, diagnostic and test reports, surgeon’s reports, etc. and follow-up checkup reports if any.

To file a cashless claim, intimidate the insurer about admission, get admitted at a network hospital, show your ID card at the hospital desk, fill in the pre-authorisation form and submit it. Once your application is approved, you can proceed with the cashless treatment and all bills will be directly settled by ICICI Lombard. For more details, call InsuranceDekho at 7551-196-989.

Yes, ICICI Lombard offers a reimbursement claim facility. To get this claim, call the insurer at 1800-2666, get treatment at any hospital, collect all original documents from the hospital and send them to ICICI Lombard. Within 15 days of receipt of all the relevant documents, ICICI Lombard will settle the claim amount. For details, dial the toll-free number of InusranceDekho, i.e. 7551-196-989.

The Claim Settlement Ratio of ICICI Lombard Health Insurance can be calculated using the formula given below:

Claim Settlement Ratio = (Total no. of claims approved/Total no. of claims received) x 100

To process cashless claim under health insurance policy offered by ICICI Lombard Health Insurance, you are required to follow the steps given below:

• Reach a network hospital and inform the insurance company
• Show your health card at the hospital
• Fill the pre-authorization form that you can find at the official website of ICICI Lombard Health Insurance
• Your claim request and documents will be analysed and verified by the insurance company
• Your health insurance claim request will then be accepted, rejected, or queried. If accepted, the insurance company will settle the claim directly at the hospital.

To make a reimbursement claim under your ICICI Lombard Health Insurance policy, you must follow the steps given below:

• Get hospitalised at a non-network hospital
• Avail the required treatment and settle the bills from your own pocket
• Submit the bills and documents to the insurance company
• If the claim is made in accordance with the terms and conditions of the health insurance policy, then the insurance company will pay you for the expenses incurred.

In case of planned hospitalisation, you are required to inform ICICI Lombard Health Insurance at least 1 or 2 days in advance. Whereas in case of emergency hospitalisation, you must inform the insurance company within 24 hours of hospitalisation.

As per the (Source: IBAI’s General Insurance Claim Insights Handbook For Policyholders - 5th Edition, the Claim Settlement Ratio of ICICI Lombard Health Insurance for the financial year 2019-20 is 78.67%.

Any adult up to the age of 62 can avail the benefits of the critical illness plan of ICICI Lombard.

Under its critical illness product, ICICI Lombard pays a lump sum amount on diagnosis of critical illness up to the extent of cover. However, it is subject to intimation within 30 days of such diagnosis.

The critical illnesses covered by ICICI Lombard are cancer, kidney failure, stroke, paralysis, major organ transplant, etc.

To buy critical illness cover offered by ICICI Lombard Health Insurance, you must follow the steps given below:

1. Visit insurancedekho.com. Then click on the ‘health’ tab.
2. Select your Gender and fill in your Name and Mobile Number. You will receive an OTP (One Time Password) on the entered number. Please enter that.
3. Tell us-‘When do you want to buy the policy’ by clicking on one of the options from the drop-down menu. Click ‘View Quotes’.
4. Select the family members you wish to add to your health insurance policy. Click ‘Continue’.
5. Select the age of family members selected.
6. Enter your Email ID and City. Click on ‘Submit and View Quotes’. Most suitable quotes for you will be displayed on your screen. Select the one you want to purchase.
7. Select the policy term you wish to buy the policy for. Enter the required details and pay online via a secured payment gateway.

Anyone who is aged at least 18 years and is a resident of India can purchase critical illness plans offered by ICICI Lombard Health Insurance.

Yes. You can avail tax benefits on the premium paid for critical illness plans offered by ICICI Lombard Health Insurance under Section 80D of the Income Tax Act.

To purchase critical illness policy offered by ICICI Lombard Health Insurance, you must be aged at least 18 years and be residing in India.

When making a claim under a critical illness plan offered by ICICI Lombard Health Insurance, you must have the following documents:

• Valid ID proof
• Doctor’s letter recommending hospitalisation
• Post Mortem Report, if applicable, etc.
• Original bills from pharmacies
• Original receipts, bills, and discharge forms signed by the doctor
• Doctor’s prescription advising medical tests, medicines, consultations, etc.
• Original diagnostic test reports, radiology reports and payment receipts
• First Information Report (FIR) if required in times of police case.

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.

Yes, ICICI Lombard offers Complete Health Insurance, which is a complete family health product. The policy covers your entire family in a single Mediclaim policy.

Yes, ICICI Lombard provides free health check-up at its designated centers under the family floater plan.

Yes, you can. ICICI Lombard offers a lifetime renewal facility with no age limit to the policy. You can renew it and keep your family protected.

There are many benefits: no medical tests for coverage below 46 years of age and the sum insured up to 10 Lakh, an additional 10% increase in the sum insured for every claim free year (maximum 50%), 1 or 2 year policy period, cashless hospitalisation at any network hospitals, etc.

ICICI Lombard family health insurance plan is the best choice for people planning to secure the health of self as well as families under a single sum insured amount. If you are an individual looking forward to buying a policy that insures the health of yourself, your spouse, dependent parents, dependent children, as well as brothers and sisters, go for Complete Health INsurance, the cost-effective family health insurance plan by ICICI Lombard.

If you wish to change the sum insured amount for your ICICI Lombard family health insurance policy, it would be best to wait for the policy renewal period to arrive. Please note that health insurance companies allow a change in sum insured at the time of renewal and not during the policy period.

ICICI Lombard family health insurance plan has multiple advantages to provide. An ideal family plan, Complete Health Insurance has a vast coverage to offer and that too at a low premium price. Lifelong renewability, cashless hospitalization, 100% reset of the base sum insured once in a policy year, additional sum insured option, wellness program, free health check-up, no pre-policy medical checkup below 46 years of age, 15 days free look period are some of the prime advantages associated with the family plan by ICICI Lombard. A key advantage of the plan is that it covers maternity & newborn baby expenses on an optional basis.

ICICI Lombard family health insurance or Complete Health Insurance grants cover for an inpatient hospitalization, 30 days pre & 60 days post hospitalization, daycare treatment/surgeries, inpatient AYUSH treatment, domestic road emergency ambulance expenses, along with optional cover for hospital daily cash, convalescence benefit, maternity & newborn baby expenses, nursing at home, OPD cover, critical illness cover, personal accident cover and more.

Under the ICICI Lombard family health insurance policy, the policyholder can avail tax benefits according to Section 80D of the Income Tax Act and amendments made.

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

For individual plan, minimum entry age is 6 years, whereas for floater plan it is 3 months. There is no maximum exit age.

Medical underwriting is required for any insured member who is more than 45 years of age or has sum insured more than Rs. 10 Lakh or both. The medical tests can be conducted at any designated centers identified by ICICI Lombard.

In case of death (due to an accident) of the policyholder within the policy period, ICICI Lombard provides compensation to the nominee mentioned in your policy.

Anyone between 18-80 years of age is eligible for buying individual health insurance.

No, you don’t need to go for a pre-policy medical test when purchasing the Personal Protect Policy.

Any individual looking forward to securing their health through an affordable health insurance policy should buy ICICI Lombard individual health insurance plan. Individual health insurance by ICICI Lombard is an excellent option for those who want a wide sum insured range, no room rent capping, multiple coverage benefits, superior tax benefits and more. ICICI Lombard individual health insurance plan is the best support in times of medical emergencies.

If you want to make any changes to the sum insured amount of your ICICI Lombard individual health insurance, it is advisable to wait till the time of policy renewal. Health insurers do not allow any changes during a policy tenure. However, any changes made to the sum insured amount are welcome during policy renewal.

ICICI Lombard individual health insurance plan has numerous benefits to offer. Rs. 5 Lakh up to Rs. 50 lakh sum insured cover, no room rent capping, 100% sum insured reset, critical illness cover for people more than 60 years, no medical checkup below 46 years of age, 15 days free look period, cashless hospitalization, and lifelong renewability are some of the key advantages of the plan. One of the key advantages of the plan is that it covers a wide range of relationships including siblings, grandparents, etc.

ICICI Lombard individual health insurance plan provides cover for inpatient treatment, 60 days pre & 90 days post hospitalization cover, cover for 150 day care treatment, domiciliary treatment expenses, inpatient AYUSH treatment expenses, donor expenses, domestic road emergency ambulance expenses, reset benefit, and more. The policy also provides cover for pre-existing diseases after a waiting period of 2 years.

ICICI Lombard individual health insurance policy offers tax-saving benefits on premium paid, as per Section 80D of the Income Tax Act 1961 and the amendments made to that.

Yes, to get a child covered under the ICICI Lombard plan, he/she should be between 3 months and 5 years.

No. ICICI Lombard has no such a policy which covers only kids. The insurer has a policy for children, but at least one adult must be covered under the policy. Then, kids will be covered.

Yes, if you want your kid to be covered, his/her age should be more than 6 years of age.

Yes, provided that the age of your child is more than 3 months.

Parents looking forward to securing the health of their dependent children should buy ICICI Lombard kids health insurance plan. Health Booster Policy is the perfect plan that covers kids at a minimum entry age of 6 years under an individual sum insured basis. Children aged between 3 months up to 5 years can be insured under family floater only. A policyholder can cover maximum 3 children under this policy.

If you wish to change your sum insured amount for ICICI Lombard’s kids health insurance plan, it is recommended to do so at the time of renewal. Please note that any change in sum insured during the policy tenure is not allowed by health insurance companies, including ICICI Lombard.

There are many advantages of the Health Booster Policy, ICICI Lombard’s health insurance plan for kids. Lifetime renewability, cover for pre-existing diseases, free look period of 15 days, the sum insured reset benefit, wellness cover are a few key benefits of the policy. Some of the added advantages of the policy include an additional sum insured and complementary health check-up. One of the biggest advantages of the policy is that it provides cover for a wide range of relationships, including siblings and grandparents.

Health Booster Policy or ICICI Lombard kids health insurance policy provides cover for multiple benefits that include inpatient treatment, daycare treatment, pre & post hospitalization, inpatient AYUSH treatment, donor expenses, emergency road ambulance cover, and others. Moreover, the policy comes with various optional covers like critical illness cover, hospital daily cash, convalescence benefit and more.

Yes! A policyholder is eligible for tax deductions as per Section 80D of the Income Tax Act under their ICICI Lombard kids health insurance policy.

Yes, ICICI Lombard offers Maternity Benefit. This is an add-on cover and you can purchase it separately if desired.

These covers offer reimbursement facility for all medical expenses incurred in delivery - whether normal or a Caesarean section. The add-on cover of ICICI Lombard also covers hospitalisation or lawful medical termination of pregnancy during the policy period.

Women and married couples looking forward to starting their family soon should opt for the ICICI Lombard maternity health insurance plan. Complete Health Insurance, ICICI Lombard’s maternity insurance plan provides reimbursement for medical expenses incurred for delivery (optional add-on cover). So, if you are planning a pregnancy in the next few years, ICICI Lombard’s maternity plan would be the best choice for you. Do remember, the waiting period for maternity cover is 3 years. Furthermore, the cover is only available on a floater basis.

Unfortunately, ICICI Lombard, like other health insurance companies does not allow a change of sum insured amount during the tenure of its maternity health insurance plan. If you wish to make any changes in the sum insured, it would be best to wait till the renewal time.

ICICI Lombard, through its Complete Health Insurance, provides maternity cover on an optional basis. The plan also provides cover for newborn baby expenses. At an affordable additional cost, one can make the most of the maternity plan by ICICI Lombard’s Complete Health Insurance policy.

ICICI Lombard’s maternity health insurance plan Complete Health Insurance policy provides cover for reimbursement of medical expenses incurred for delivery including C-section, during hospitalization. Lawful termination of pregnancy during the policy period is also covered. The cover further includes pre & postnatal expenses as well as newborn baby cover for a maximum period up to 91 days from the date of birth of the child. Please note that the maternity benefit is optional under Complete Health Insurance. Also, the newborn baby cover is available only on choosing the add-on of maternity benefit.

Under the ICICI Lombard maternity health insurance policy, a policyholder is eligible for tax deductions on the premium paid in adherence to Section 80D of the Income Tax Act.

By getting your parents covered by ICICI Lombard policies, your parents can have a healthy lifestyle during their sunset years. They can enjoy free health check-up, pre and post hospitalisation, cashless treatment, day care procedures, emergency road ambulance, Ayush treatment, and much more.

Yes, ICICI Lombard provides coverage for room charges. Not only this, but the insurer also covers medical bills, doctor/surgeon’s fee, etc.

You can find the network hospital links for cashless treatment at the official website of ICICI Lombard. If any doubt, call 7551-196-989.

Individuals belonging to any age group can buy ICICI Lombard health insurance for themselves or their parents. Complete Health Insurance is the ideal parent's health insurance for a policy buyer who wants extensive cover at a minimal premium price. A plan is a good option if you want to cover for daycare treatment, inpatient AYUSH treatment, as well as opd cover, critical illness cover, cover for nursing at home, medical evacuation expenses along other basic coverage expenses.

No, you cannot change the sum insured during your ICICI Lombard parents health insurance policy tenure. To make any changes in your sum insured amount, you should wait for the policy renewal time as ICICI Lombard does not allow changes in the sum insured during the policy period.

Complete Health Insurance, ICICI Lombard’s parents health insurance plan covers inpatient treatment, pre & post hospitalization, daycare treatment/surgeries, domestic road ambulance expenses, free health checkup, and more. Under optional coverage, the plan covers hospital daily cash amount, OPD cover, critical illness cover, donor expenses, personal accident cover, medical evacuation expenses, wellness & preventive healthcare, etc.

Yes, ICICI Lombard parents health insurance policy provides tax deductions for the policy premium paid as per Section 80D of the Income Tax Act, 1961.

ICICI Lombard offers the Personal Protect Policy that provides coverage for Accidental Death and Permanent Total Disability (PTD). It also offers coverage for terrorism as well.

There are time period when you can enjoy the portability facility. You are allowed to port your existing policy only when the existing policy reaches its renewal.

There are a few things you should watch out such as making sure there is no age restriction for renewal, try to renew such policies at the maximum renewable age possible, make sure whether the exclusions in your existing policy are covered by the insurer you want to switch to.

Yes, it is necessary to notify your old insurer whether you are going to shift with the name of insurer in written. Notify at least 45 days before your policy renewal so that your policy can be renewed without a break.

Before porting your health insurance policy with ICICI Lombard, make sure you have read terms and conditions of the ICICI Lombard, especially about the services for medical history, waiting period, sum insured, age, and quality of service.

Mainly, there are three ways to pay the premium. You can choose online service, cash option or through cheque.

Yes, ICICI can provide you with duplicate premium receipts. You can download it online by login your account at ICICI website or call us and we will email you the second copy of the premium receipt.

Yes, you can avail discounts in the premium of ICICI health insurance products.

The premiums for health insurance plans for parents offered by ICICI Lombard Health Insurance are calculated taking into consideration several factors such as age, pre-existing illnesses, add-on cover(s) opted for, sum insured, policy term, etc.

Listed below are some benefits of using ICICI Lombard Health Insurance premium calculator:

• Health insurance premium calculator makes the complex calculations of health insurance premium simple
• It gives you an estimate of the health insurance premium that you will be required to pay for a particular health insurance policy
• With a health insurance premium calculator, you can alter your preferences and see the premium change.

Following are the factors affecting health insurance premium of ICICI Lombard Health Insurance plans:

• Age
• Sum insured
• Pre-existing diseases
• Number of members covered under the policy
• Policy term
• Lifestyle (smoking or drinking habits, etc.)
• Body Mass Index (BMI)
• Geographical location.

Yes. You are required to pay GST at the rate of 18% on the premiums paid for health insurance plans for ICICI Lombard Health Insurance.

Given below are some tips that you can follow to lower premiums for ICICI Lombard Health Insurance plans:

• Choose deductibles wisely
• Opt for health insurance plans with co-payment clause
• Choose top-up health insurance plans for extensive coverage
• Go for family floater health insurance plans instead of individual health insurance plans.

Yes, ICICI Lombard offers a Complete Health Insurance Plan, which is suitable for senior citizens. The plan offers benefits to old-aged people along with add-on* covers.

Yes, the cashless facility is available for senior citizens. However, this is available on network hospitals of ICICI Lombard.

Yes, the expenses incurred in prenatal and postnatal are covered up to the defined limit.

ICICI Lombard senior citizen health insurance plan is a must-buy for senior citizens who want to remain financially stable at the time of an unexpected medical emergency. ICICI Lombard Rishtey Health Insurance is an ideal senior citizen policy that being comprehensive in nature provides financial assistance for various medical expenses that are otherwise too heavy on the pocket.

Since health insurance companies, including ICICI Lombard, do not allow a policyholder to make any form of the sum insured amount changes during the policy period, it would be best for you to change your sum insured at the time of policy renewal.

Rishtey Health Insurance, ICICI Lombard senior citizen health insurance plan provides cover for inpatient hospitalization expenses, pre & post hospitalization, nursing care, treatment expenses related to Swine Flu/H1N1 Influenza, advanced procedures & surgeries like chemotherapy, dialysis and others, daycare expenses, hospitalization expenses for treatment injury related to terrorist activities, etc.

Yes! Under ICICI Lombard senior citizen health insurance policy Rishtey Health Insurance, you can avail tax benefits in adherence to the IT Act, 1961.

Rishtey Health Insurance is one of the best ICICI Lombard’s senior citizen health insurance policies. As far as its advantages are concerned, there are many. Benefits of Rishtey Health Insurance policy include cashless hospitalization, access to more than 5,000 network hospitals for treatment purposes, cumulative bonus, sum insured enhancement, free health check-up, and more. A unique benefit provided by the policy includes reimbursement of the applicant’s airline expenses to visit insured parents in case the latter are under hospitalization due to medical emergencies.

The super top-up of ICICI Lombard comes with man benefits such as you can get coverage for treatment at home, access to cashless medical care in your city, faster claim sentiment process, enjoy tax benefits and much more.

When choosing a top-up plan, make sure to consider sufficient benefits, deductible, coverage, pre-exising disease cover, sub-limits, etc.

Yes, the top-up policy of ICICI Lombard provide cover for hospitalisation and in-patient treatment.

ICICI Lombard’s super top-up policy covers you for excess payment that may arise due to treatment expenses to be paid over and above the sum insured of your existing policy.

A rider or an add-on benefit is an additional benefit that you can purchase along under your health insurance policy by paying an extra premium. Whereas a super-top up policy offers additional coverage to the existing health insurance policy by increasing the sum insured amount.

Anyone who is not satisfied with their standard health insurance policy or is looking for extra coverage at affordable premiums can purchase a super top-up plan offered by ICICI Lombard Health Insurance.

Apart from the sum insured enhancement, your ICICI Lombard Health Booster Policy covers you for several healthcare expenses such as in-patient hospitalisation expenses, daycare expenses, pre-hospitalisation and post-hospitalisation expenses, organ donor expenses, road ambulance expenses, etc.

You should get a super top-up health insurance policy by ICICI Lombard as it offers extensive coverage against several healthcare expenses. These include in-patient hospitalisation expenses, organ donor expenses, pre-hospitalisation and post-hospitalisation expenses, daycare expenses, AYUSH treatments, etc. Also, you can include several relationships under the policy. These include spouse, dependent children, brother, sister, dependent parent, grandparents, grandchildren, mother-in-law, father-in-law, son-in-law, daughter-in-law, dependent brother-in-law and dependent sister-in-law.

ICICI Lombard’s women health insurance plan provides cover for an inpatient hospitalization, pre & post hospitalization, organ donor expenses, road emergency ambulance cover and more. The key coverage under the plan includes maternity benefit as well as newborn baby cover on an optional basis. Lawful termination of the pregnancy under the policy period is also covered by ICICI Lombard’s women health insurance plan. OPD cover, convalescent benefit, wellness and preventive healthcare, critical illness cover are some of the add-on covers provided by the policy.

Yes! A policyholder is eligible for tax benefits according to Section 80D of the Income Tax Act, 1961 for the premium paid for ICICI Lombard’s women health insurance plan.

ICICI Lombard’s women health insurance policy Complete Health Insurance features various benefits including extensive sum insured range, no medical screening required up to 46 years, easy & quick cashless claim settlement, and more. One of the key advantages of the plan is that it provides cover for maternity expenses as well as newborn baby cover (on an optional basis). The plan also comes with the lifelong renewability feature and provides value-added services as well. Multiple add-on covers like critical illness cover, OPD cover, hospital daily cash and more are a part of the plan.

Policy renewal time is the perfect time for getting any change done in the sum insured amount. It must be noted that all health insurance companies including ICICI Lombard do not permit a policyholder to make any sum insured changes during the policy period. So, if you want to increase or decrease your sum insured, it would be ideal to wait for the policy renewal time to arrive.