ICICI Lombard offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of ICICI Lombard
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to ICICI Lombard for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the ICICI Lombard policy
- The network hospital will send the hospital bill to ICICI Lombard.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Intimate ICICI Lombard about the hospitalization
- In case of planned hospitalization, inform the insurance provider before hospital admission.
- Obtain medical treatment
- During discharge, pay the hospital bill in full.
- Collect all the medical documents, hospital bills and receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
About ICICI Lombard Health Insurance
ICICI Lombard Health Insurance plans are provided by the ICICI Lombard General Insurance Company Limited. The Company provides a wide range of health insurance plans that cater to the medical needs of individuals, families, women, senior citizens as well as persons with disabilities. They also offer customized plans for vector-borne diseases, COVID-19, etc. Moreover, the insurer approves all cashless claims within 1 hour.
Types of ICICI Lombard Insurance Plans
The ICICI Lombard Elevate plan offers unlimited medical coverage to people of all ages with an infinite claim amount and an infinite super loyalty bonus.
Features and Benefits:
- Coverage for in-patient treatment, in-patient AYUSH hospitalization and domiciliary hospitalization are available
- Bariatric surgery, day care treatments, donor expenses and road ambulance charges are covered
- Reset benefit, loyalty bonus, and wellness program are available
- Optional covers, such as infinite care, jumpstart benefit, power booster, claim protector, etc., are available
- Worldwide cover, maternity benefit, BeFit benefit, critical illness cover, and annual health check-ups are also available as optional covers
- Other optional covers, including convalescence benefit, inflation protector and nursing at home, are also available
- No pre-policy medical check-ups are required for up to 45 years and ₹10 lakh sum insured
The ICICI Lombard Health AdvantEdge plan has been designed to meet the healthcare and preventive care needs of people at all stages of life.
Features and Benefits:
- Hospitalization expenses, home care treatments and AYUSH hospitalization are covered
- Reset benefit, convalescence benefit and domestic air ambulance cover are available
- In-patient hospitalization for surrogate mother and oocyte donor is covered
- Preventive health check-ups, teleconsultations and wellness programs are available
- Optional covers, including worldwide cover, maternity benefit, critical illness cover and personal accident cover, are available
- Claim protector, sum insured protector, BeFit benefit and nursing at home cover are also available as optional covers
- No pre-policy medical check-ups are required for up to 45 years and ₹10 lakh sum insured
ICICI Lombard Max Protect is a high sum insured plan that ensures extensive coverage for all medical expenses at an affordable price without increasing out-of-pocket expenses. Besides, the plan is available in two variants – Classic and Premium.
Features and Benefits:
- Coverage for in-patient care, domiciliary and AYUSH hospitalization are available
- Bariatric surgery, teleconsultations and domestic road ambulance charges are covered
- Loyalty bonus, reset benefit and value-added services are available
- Worldwide cover, claim protector, home care treatment, and preventive health check-ups are available only under the Premium variant
- PED waiting period reduction and room eligibility are available as optional covers
ICICI Lombard Activate Booster is a super top-up health insurance policy that provides access to unlimited coverage once the base policy is exhausted. Moreover, the plan comes in two variants – Plan A and Plan B.
Features and Benefits:
- Coverage for hospitalization expenses, home care treatments and day care procedures are available
- In-patient AYUSH hospitalization, bariatric surgery and domiciliary hospitalization are covered
- Waiver of deductible, wellness program and domestic road ambulance cover are available
- JumpStart benefit, BeFit benefit, claim protector and inflation protector are available as optional covers
- Other optional covers, including dependent accommodation benefit, teleconsultations and nursing at home, are available
- Guaranteed deductible reduction, health check-up benefit and domestic air ambulance are also available as optional covers
The ICICI Lombard Health Booster plan boosts the existing medical coverage by covering healthcare expenses even when the base policy sum insured gets exhausted. It offers both top-up & super top-up options and comes with a mandatory deductible that needs to be paid for your policy to get activated.
Features and Benefits:
- In-patient treatment, AYUSH hospitalization and domiciliary hospitalization are covered
- Complimentary health check-ups, reset benefit and wellness program are available
- Pre-post hospitalization expenses, day care treatments and donor expenses are covered
- Optional covers, such as hospital daily cash, convalescence benefit and critical illness cover are available
- Personal accident cover, temporary total disablement rehabilitation cover and repatriation of remains are also available as optional covers
ICICI Lombard Personal Protect Insurance is a personal accident insurance plan that provides coverage in case of accidental death or permanent total disability of the insured resulting from an accident. It comes in six variants.
Features & Benefits:
- Coverage for accidental death and permanent total/partial disability are available
- Temporary total disability and accidental hospitalization expenses are covered
- Accidental hospital confinement allowance, convalescence benefit and double benefit are available
- Optional covers, including carriage of dead body, children's education grant, funeral expenses and repatriation of remains, are available
- Extension of medical benefits, PTD improvement, PPD improvement and hospital daily allowance are also available as optional covers
ICICI Lombard Golden Shield is a senior citizen health insurance plan designed to cover the medical needs of elderly people in their golden years.
Features and Benefits:
- In-patient treatment, home care treatment and in-patient AYUSH treatment are covered
- Enhanced sum insured for road traffic accidents and pneumococcal disease vaccination incentives are available
- Air ambulance, domiciliary hospitalization and day care treatments are covered
- Reset benefit, annual preventive health check-ups, and loyalty bonus are available
- Claim protector, care management program and voluntary deductible are available as optional covers
- No pre-policy medical tests required below 70 years
The ICICI Lombard Complete Health Insurance plan provides medical coverage for individuals and families to deal with emergency and planned medical exigencies.
Features and Benefits:
- Coverage for in-patient treatment, pre-hospitalization and post-hospitalization are available
- In-patient AYUSH hospitalization, home care treatment and day care treatments are covered
- Reset benefit, teleconsultations, loyalty bonus and wellness program are available
- Optional covers, such as OPD treatment cover, maternity cover and nursing at home, are available
- Critical illness cover, convalescence benefit, hospital daily cash and personal accident cover are available as optional covers
- Worldwide cover, claim protector, sum insured protector, and BeFit benefit are also available as optional covers
- No pre-policy medical check-ups are required for up to 45 years and ₹10 lakh sum insured
ICICI Lombard Health Care Plus is a top-up insurance plan that covers excess medical expenses after the coverage amount of the base health policy gets exhausted.
Features and Benefits:
- Coverage for in-patient treatment, including room rent and nursing charges, are available
- Intensive Care Unit (ICU) charges are also covered
- Pre-existing hypertension, diabetes and cardiac conditions are covered after 90 days
- No sub-limit applies to hospitalization expenses
ICICI Lombard Criti Shield Plus is a critical illness insurance plan that provides financial assistance if the insured is diagnosed with a critical illness like cancer, heart disease, etc. However, the plan has a waiting period ranging from 90 to 150 days.
Features and Benefits:
- 92 major and minor critical illnesses are covered
- Value-added services, such as teleconsultations, e-second opinion, health & wellness offers, etc., are available
- Optional covers, including ICU benefit and cancer restore benefit, are available
- Major surgical procedures and personal accident cover are also available as optional covers
- A survival period of up to 14 days is applicable
ICICI Lombard Women Cancer Shield is a cancer insurance plan that has been designed to support women financially in case they are diagnosed with cancer. However, a waiting period of up to 90 days is applicable to the policy.
Features and Benefits:
- Coverage for breast cancer, cervical cancer, ovarian cancer and thyroid cancer are available
- Fallopian cancer, vaginal cancer, uterine/endometrial cancer and cancer of the vulva are covered
- Preventive screening & assessment and teleconsultation cover are available as optional covers
The ICICI Lombard Hospifund Insurance plan pays a daily hospital cash allowance to the policyholder to cover ancillary expenses, such as food bills, travel costs, etc.
Features and Benefits:
- Hospital cash benefit and accidental hospitalization cash benefit are available
- Intensive care cash benefit, cancer hospitalization cash benefit, and child care cash benefit are available as optional covers
- Option of brain & stroke hospitalization cash benefit, and heart ailment hospitalization cash benefit are also available
- Organ transplant hospitalization cash benefit, fractures & burns cash benefit, and day care treatment cash benefit are also available as optional covers
- Option of hospital attendant cash benefit and compassionate visit cash benefit are also available
- Convalescence benefit and ambulance cover are also available as optional covers
- No pre-policy medical check-ups are required for up to 55 years
The ICICI Lombard Makshak (Mosquito) Rakshak plan provides coverage for hospitalization expenses resulting from vector-borne diseases, such as dengue fever, malaria, chikungunya, Zika virus, etc.
Features & Benefits:
- Lump sum benefit is paid if hospitalized for at least 72 hours due to a vector-borne disease
- Cost of diagnostic tests is covered if the insured tests positive for a vector-borne disease
- No pre-policy medical check-ups are required
The ICICI Lombard Family Shield plan provides comprehensive coverage against listed infectious diseases along with personal accident cover. The policyholder can opt for one or more coverage sections as per their health requirements.
Features and Benefits:
- In-patient treatment for specific vector-borne diseases and rabies & tetanus are covered
- Death benefit for rabies and tetanus-related death is available
- Hospitalization expenses due to specific gastrointestinal infections, viral infections and nervous system infections are covered
- Hospital daily cash benefit, ICU cash benefit and personal accident cover are also available
- Major surgery benefit, broken bones benefit, burns benefit, and comatose benefit are available as optional covers
- Option to add air ambulance benefit, lifestyle support benefit, and last rites benefit is also available
- No pre-acceptance medical check-up is required for up to 55 years
The ICICI Lombard Special Shield plan has been designed to provide medical coverage to persons with disability or suffering from HIV AIDS.
Features and Benefits:
- Cost of in-patient care, including ICU and ICCU, and AYUSH treatment are covered
- Coverage for cataract treatment, modern treatments and day care treatments are available
- Pre/post-hospitalization expenses, ambulance charges and teleconsultations are covered
- Dental treatment and plastic surgery due to a disease or injury are covered
- No pre-policy medical check-up is required below 45 years
The ICICI Lombard Health Shield 360 Retail plan provides coverage for a wide range of medical expenses incurred during planned and emergency treatments.
Features and Benefits:
- Coverage for in-patient hospitalization and home care treatment are available
- Domiciliary hospitalization, AYUSH treatment and air ambulance expenses are covered
- Reset benefit, loyalty bonus and wellness program are available
- Teleconsultations, day care treatments and pre/post-hospitalization expenses are covered
- Optional covers, such as worldwide cover, maternity cover and hospital daily cash, are available
- BeFit benefit, claim protector, convalescence benefit, sum insured protector, etc., are also available as optional covers
- Option to add preventive health check-ups, dependent accommodation benefit and compassionate visit is also available
- No pre-policy medical check-ups are required below 45 years and up to ₹10 lakh sum insured
The ICICI Lombard Personal Care provides compensation in case the policyholder gets injured or dies in an accident.
Features and Benefits:
- Coverage for accidental death and permanent total disability are available
- Cost of carriage of the dead body and ambulance services is covered
- Medical benefit cover, hospital confinement allowance, and permanent total disability improved benefit are available as optional covers
The ICICI Lombard Income Protect plan financially supports the policyholder in case of loss of job due to the diagnosis of a major medical illness. A waiting period of up to 90 days applies to this policy, except for personal accident cover.
Features and Benefits:
- Major surgical procedures and loss of employment are covered
- Critical illness cover and personal accident cover are available
- Mysterious disappearance benefit and hospital daily cash benefit are available
The ICICI Lombard Universal Protection plan provides financial assistance to policyholders in case they are diagnosed with a major medical illness or get disabled/die in an accident. The plan comes in five variants.
Features and Benefits:
- Coverage for 25 major illnesses are available
- Lump sum payment is paid on diagnosis of a listed illness
- Accidental death and permanent total/partial disability are covered
- Children education benefit and involuntary loss of job cover are available
The ICICI Lombard Health Shield Inclusive plan provides financial coverage to individuals against planned and emergency hospitalization expenses.
Features and Benefits:
- Coverage for 25 major illnesses are available
- In-patient treatment, modern treatments and AYUSH hospitalization are covered
- Bariatric surgery, domiciliary hospitalization and day care treatments are available
- In-patient hospitalization expenses for the surrogate mother and oocyte donor are covered
- Coverage for donor expenses and domestic road ambulance services are available
- Pre-existing diabetes, cardiac conditions and hypertension are covered after 90 days
- No pre-policy health check-ups are required below 45 years and up to ₹10 lakh sum insured
The ICICI Lombard Arogya Sanjeevani policy has been designed to provide affordable medical coverage to individuals and families.
Features and Benefits:
- Coverage for in-patient hospitalization, pre-hospitalization and post-hospitalization are available
- Cataract treatment, AYUSH treatment and day care treatments are covered
- 5% loyalty bonus for up to 50% is available on renewals
- Cost of availing road ambulance services are also covered
- No pre-policy health check-ups are required below 45 years and up to ₹5 lakh sum insured
Key Benefits of ICICI Lombard Health Insurance
or select from popular citiess In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Search ICICI Lombard Cashless Network Hospital list
Policybazaar Claim Process
Here is the list of documents required to file a ICICI Lombard health insurance claim:
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Claim FormDuly filled and signed ICICI Lombard health insurance claim form
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Health Card/Policy CopyHealth card or a copy of ICICI Lombard health insurance policy
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Medical DocumentsHospital discharge card, doctor’s prescriptions, test reports, etc.
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Medical Bills & Payment ReceiptsAll medical bills, including hospital bills and pharmacy bills, along with payment receipts
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KYC DocumentsKYC documents to be submitted for claims above ₹1 lakh
Note: The exact list of claim documents varies from case to case. Contact the customer support team for the complete list.
The process to buy a ICICI Lombard Health Insurance plan is given below:
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Visit the Health Insurance SectionGo to the ‘Health insurance’ section on Policybazaar.com
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Fill in Personal DetailsProvide necessary details like age, mobile number, city, medical history, gender, etc.
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Pay the Premium OnlineChoose your preferred ICICI Lombard health insurance policy and pay the premium online
The process to renew a ICICI Lombard Health Insurance plan is given below:
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Go to the Renewal SectionNavigate to the ‘Renew Your Policy’ tab on Policybazaar.com and select ‘Health Renewal’
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Verify Your IdentityEnter your registered mobile number and the OTP sent to your device
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Pay the Renewal Premium OnlineSelect the ICICI Lombard health insurance policy you want to renew and pay the premium online
Here are the contact details of HDFC ERFO General Insurance Company:
| Categories | Contact Details |
|---|---|
| Toll-free Number | 1800 2666 |
| Phone Numbers | 86 55 222 666 040 6627 3505 (For J&K, NRI customers and International numbers) |
| WhatsApp No. | 77382 82666 |
| Email id | customersupport@icicilombard.com healthassistance@icicilombard.com |
ICICI Lombard Health Insurance: FAQs
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Q1. Is ICICI Lombard health insurance good?
Ans: Yes. Buying an ICICI Lombard health insurance policy is a good choice as it caters to the medical needs of people of all ages. It covers hospitalization expenses, critical illnesses, home care treatments, etc., along with unique benefits like infinite care, reset benefits, annual health check-ups, claim protectors, etc. Some plans also cover listed pre-existing diseases after 30 days with the JumpStart benefit.
You can compare various plans online and choose an ICICI Lombard health policy that best suits your health needs and budget. -
Q2. Does ICICI Lombard cover health check-up?
Ans: Yes. Most ICICI Lombard health insurance plans cover the cost of preventive health check-ups. While some offer this facility annually, others may offer it after a block of every few years. Hence, it is advisable to check your policy document to see if health check-ups are covered.
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Q3. Does ICICI Lombard cover OPD?
Ans: Yes. Several ICICI Lombard health insurance plans cover OPD expenses. However, the OPD benefit is available as an optional cover under most plans, and you need to pay an additional premium for it.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
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