ICICI Lombard Health Insurance

4.2 / 5 based on 34 User Reviews
*Please note that the quotes shown will be from our partners

ICICI Lombard Health Insurance Overview

Health insurance by ICICI Lombard General Insurance provides premiere service with good no of network hospital list and better claim ratio. ICICI Lombard General Insurance Company Limited is a joint venture between ICICI Bank Limited from India and Fairfax Financial Holdings Limited from Canada. With a Gross Written Premium of Rs. 64.19 billion and over 13.87 million issued policies, the company has successfully settled more than 3.41 million claims throughout the country. Over the years, ICICI Lombard has received many awards, viz. ATD Best Winner Award, the Claim Leader Award, and more, including one for offering the best mobile application.

Why to buy ICICI Lombard Health Insurance Policies?

Health insurance is an insurance coverage provided to an individual or a group of people against any kind of surgical and/or medical expenses incurred. Benefits of health insurance by ICICI Lombard can be availed by an insured in the form of reimbursements or direct payment to the concerned medical unit. Although there are multiple companies providing health insurance plans, ICICI Lombard offers health insurance in multiple variants along with certain extra benefits.

ICICI Lombard Health insurance Policies Insights

ICICI Lombard Health Insurance Sum Assured Entry Age Critical Illness Coverage and Benefits
ICICI Complete Health Insurance 1 to 10 lakhs 3 months to no limits It covers the 15 types of critical illness.
  • Ambulance charges covered up to Rs 1500
  • Pre/Post-hospitalisation expenses up to 30 / 60 days
  • Pre-existing diseases 2 or 4 yr
  • Organ donor expenses
Health Care Plus - 18 to 65 years N/A
  • Inpatient hospitalisation expenses up to chosen sum assured
  • Room
  • Doctors fees
  • Surgeons
  • Medicines and equipment, diagnostic tests etc.
  • Pre-existing diseases after a 4 year of waiting period
ICICI Lombard Personal Protect Policy 3 to 25 lakhs 18 to 80 Years N/A
  • Daily cash benefits
  • Hospialization expenses
  • Cashless facility
  • Room rent
  • Ambulance expenses
ICICI Lombard Health Advantage Plus 2 to 3 lakhs 5 to 65 years N/A
  • Cover against Swine Flu/ H1N1 Influenza
  • Hospitalization expenses
  • Ambulance charges
  • 30-days pre-hospitalization expenses
  • 60-days post-hospitalization
ICICI Lombard Critical Care N/A 0 to 65 years It covers 9 types of critical illness
  • Cashless hospitalization
  • Ambulance charges
  • Daily cahs beenfits


Types of ICICI Lombard Health Insurance cover

  • ICICI Lombard Complete Health Insurance
  • ICICI Lombard Health care plus Insurance
  • ICICI Lombard Personal Protect Insurance

ICICI Lombard Complete Health Insurance

This Health Insurance plan by ICICI Lombard gives an individual the freedom to choose his own mediclaim plan and insure their family.

ICICI Lombard Plan Type Entry Age Sum Assured Discount on premium Medical Test Policy Term
Individual or Family Floater Health plan Children - 3 months along with one of the parents Rs. 1 Lakhs, 2 Lakhs, 3 Lakhs, 4 Lakhs, 5 Lakhs, 7 Lakhs, & 10 Lakhs In case of voluntary deductible was chosen Required for anyone above 46 years of age 1Year or 2 Years


ICICI Lombard Health Care Plus Insurance Plan

ICICI Lombard Insurance Type Entry Age Renewability Coverage Medical Test Policy Term
Individual 18 Years to 65 Years (5 Years of children) Lifetime Inpatient hospitalization up to sum assured with a waiting period of 4 years for pre-existing diseases Required for anyone above 56 years of age 1Year or 2 Years


Key features of Health Care Plus health Insurance Policy by ICICI

  • This health care Plus Policy by ICICI Lombard provides individual cover and mediclaim for every family member.
  • Issued along with various sum insured options.
  • Issued plans along with flexible deductibles options.
  • Issued on a lifetime renewable basis.
  • No sub-limit fixed on medical expenses such as diagnostic tests, doctors fees, and other such related expenditure.
  • Provides for Free Health Check-up of any one insured member in cases of renewal.
  • Benefits an individual in terms of Income Tax exemption under Section 80D of the Income Tax Act

Eligibility for Health Care Plus Insurance Policy by ICICI Lombard

  • The ICICI Lombard health care plus policy buyer should be minimum 18 years of age.
  • Any applicant between the ages of 5 years to 65 years can opt for this health insurance plan by ICICI Lombard.
  • Individuals aged 56 years & above are required to undertake certain medical tests at ICICI Lombard designated diagnostic centers.
  • Provides cover up to Rs.10 Lakhs. Issues various plans along with different sum insured options.
  • The ICICI Lombard Company provides its customers with various Value Added Services that enable them enhance the sum assured in cases of claim-free years.
  • The ICICI Lombard Company has a tie-up with 4500+ network hospitals branches across the country to avail facilities like cashless hospitalization and more.
  • Comes at affordable pricing.
  • This ICICI policy available on Individual as well as Family Floater basis.
  • Benefits an individual in terms of Income Tax exemption under Section 80D of the Income Tax Act
  • Follows easy and hassle free ICICI claim settlement procedure.
  • Issues health insurance policies on a lifetime renewable basis.
  • Issues Health insurance without any medical check-up for individuals below the age of 45 years.
  • No sub-limit on expenses incurred for the treatment at hospital.
  • Provides hospital cash on a daily basis for every day spent in the hospital, subject to a minimum of 3 days and a maximum of 10 days. The ICICI health Insurance premium amount paid depends on the amount of sum insured.
    1. In cases of sum insured of Rs.2 Lakhs, the company gives cash benefits of Rs.500 per day.
    2. In cases of sum insured of Rs.3 Lakhs, Rs. 4 Lakhs and Rs.5 Lakhs, the company gives cash benefits of Rs.1000 per day.
    3. In cases of sum insured of Rs.7 Lakhs and Rs.10 Lakhs, the company gives cash benefits of Rs.500 per day.
  • The ICICI Lombard general insurance company also gives restoration benefit of Rs.10, 000 to the insured, in case of hospitalization for a period of 10 consecutive days or more.
  • Provides reimbursements amounting up to Rs. 50, 000 for medical expenses incurred, in case of organ transplantation.
  • This Health insurance policy by ICICI Lombard provides cover against OPD diseases, such as Heart Attack (i.e. Myocardial Infarction), Heart valve replacement surgery, Major Organ Transplantation, Cancer, Stroke, Kidney Failure, Cancer, Coronary Artery Bypass Surgery, End stage liver failure and Paralysis.
  • Provides maternity benefits and new born baby cover: Provides reimbursements for delivery, caesarean, lawful termination of the baby and any other pregnancy-related hospitalization. Covers prenatal and postnatal hospitalization. Provides for medication expenditure of a newborn baby for a minimum period of 24 consecutive hours to a maximum period of 91 days of the date of birth of the baby.
  • Also gives reimbursements for payments made towards outpatient expenses such as routine checkups, fitness programs, and vaccinations.
  • Gives a lot of value added services, such as free health checkups, online chat with a doctor, consultations, and follow-up sessions and meeting with diet and nutrition consultants.
  • Available on Individual as well as Family Floater basis.
  • The Health Insurance by ICICI Lombard provides its customers with various Value Added Services that enable them to enhance the sum assured, in cases of claim-free years.
  • ICICI Lombard Complete Health Insurance Policies can be benefitted for auto-renewed for a period of 1 or 2 years.
  • Provides cover for inpatient treatment which includes all the medication expenses such as room rent, doctor’s or surgeon’s fees, medical bills and other related expenditures. However, the patient needs to be admitted for a minimum period of 24 hours in the hospital.
  • Features reimbursements for pre-hospitalization expenses up to 30 days and for post-hospitalization up to 60 days.
  • ICICI Lombard provides coverage for certain day care procedures such as advanced technological surgeries and procedures, dialysis, radiotherapy and chemotherapy which require less than 24 hours of hospitalisation.
  • This ICICI Lombard Health Insurance policy does not cover any illness contracted within 30 days of the inception of the plan. However, any injury caused due to an accident is covered.

Eligibility for ICICI Lombard Complete Health Insurance Plan

  • This ICICI Lombard Complete Health Insurance can be benefited by the individual for any of his family members, children, and parents.
  • The buyer should be minimum 6 years of age if applying under individual basis and of 3 months if applying under family floater basis.
  • Coverage to children lying between 3 months to 5 years can be provided only if at least one adult is covered.
  • This ICICI Cover is not valid for children less than 91 days.
  • Individuals aged 46 years or above are required to undergo certain medical tests at a diagnostic center designated by ICICI Lombard.

ICICI Lombard Personal Protect Insurance Plan

This health insurance plan by ICICI Lombard provides coverage, in case of accidental death or permanent total disability caused because of an accident.

ICIC Lombard Insurance Plan Type Entry Age Sum Assured Coverage Add-ons Policy Term
Individual 18 Years to 80 Years Rs. 3 Lakhs, 5 Lakhs, 10 Lakhs, 15 Lakhs, Rs. 20 Lakhs, & Rs. 25 Lakhs Total Permanent Disability or Death of the insured Expenses arising from accidental injuries & hospitalisation 1 Year, 3 Years, or 5 Years


Key Features of ICICI Lombard Personal Protect health Policy

  • Also offers optional coverage for hospitalizations within 7 days of the accident, subject to a minimum of 24 hours of hospitalisation and accidental daily cash, subject to a maximum of 30 days of hospitalisation.
  • Flexible sum insured options. The options are Rs.3, 00,000, Rs.5, 00,000, Rs.10, 00,000, Rs.15, 00,000, Rs.20, 00,000 and Rs.25, 00,000.
  • This ICICI Lombard's plan covers various kinds of accidents such as road or rail accidents, accidents due to natural calamities and accidents out of terrorism and such related acts.
  • This ICICI Lombard Insurance Policy is issued without any pre-medical checkup.
  • Ensures worldwide health insurance coverage
  • Follows easy and hassle free insurance claim settlement procedure along with simple documentation.
  • Provides the buyer with an option to buy online and make the payments in installments.
  • In case of death of the policyholders, the nominee of the health insurance policy is given the sum insured amount.
  • In case of Permanent total disablement, compensation is paid to the plan buyer.

Eligibility For ICICI Lombard Personal Protect Insurance Policy

  • This ICICI Mediclaim insurance policy can be availed by an individual for any of his family members, children, and parents.
  • The buyer should be minimum 18 years of age.
  • Any applicant between the ages of 18 years to 80 years can opt for this Mediclaim plan.

Portability of ICICI Lombard Health Insurance

Portability has been mandatory as per IRDA guidelines. Portability empowers the buyer with the right to switch between plans or between various policyholders, without having to compromise on any continuity Benefit being enjoyed by the plan buyer in terms of Pre-existing diseases (PEDs) and time-bound exclusions on the existing health cover

Method of applying for Health Insurance portability

  • A proposal form along with health insurance portability form has to be submitted by the buyer 45 days prior to the expiry of the policy.
  • Mandatory documents, such as previous policy certificates and renewal note of expiring policy have to be submitted by the applicant at the time of applying for health Insurance portability.
  • The applicant may have to undergo certain mandatory medical tests.
  • Health Insurance portability will be granted on the basis of the medical underwriting of the company.

Claim Process For ICICI Lombard Health Insurance Policy:

The ICICI General Insurance Company has to be intimidated well in time through the defined channel in cases of claims. The claim has to be registered by the applicant. He can do so by following any of the below-mentioned procedure:

  • In cases of known and planned hospitalisation, the health insurance plan buyer needs to inform the company two days prior to the date of admission to the hospital.
  • In cases of sudden and emergency hospitalisations, the company needs to be informed within 24 hours of the hospitalisation.
  • For intimating the health insurance claim, the plan buyer may call at the toll-free number.
  • He can also send an email us at ihealthcare[at]icicilombard[dot]com.
  • Lastly, he may contact the head office located at mentioned address: ICICI Lombard Health Care, ICICI Bank tower, Plot No. 12, Financial District, Nanakramguda, Gachibowli, Hyderabad -500 032 along with the relevant documents.

Documents Required for ICICI Lombard Health Insurance Claim:

  • A duly filled and signed claim form. To be filled and signed both by the insured as well as the medical practitioner.
  • Original bills, receipts and discharge certificate pertaining to the plan buyer’s hospitalisation issued by the Hospital or his medical practitioner.
  • Original bills from chemists, proper prescriptions along with a true copy of test reports and payment receipts.
  • Indoor case papers

Documents Required in case of personal accident cover

In the event of death

  • A copy of the policy issued
  • A duly filled and signed claim form. To be filled and signed by the nominee.
  • Certified copies of F.I.R, death certificates or inquest Panchnama, if applicable
  • Certified copies of post-mortem reports, if applicable
  • Certified copies of Spot Panchnama, if applicable.
  • Any other document as demanded by the ICICI Lombard Company.

In the event of permanent Total disability

  • A copy of the ICICI Lombard Health Insurance policy issued
  • A duly filled and signed claim form. To be filled and signed by the insured.
  • Disability certificate stating the percentage of disablement issued by an authorized medical practitioner of the district.
  • Certified copies of F.I.R or Panchnama, if applicable
  • A current photograph of the buyer showing his disability.
  • Original bills, receipts and discharge certificate pertaining to the plan buyer’s hospitalisation issued by the Hospital or his medical practitioner.
  • Original bills from chemists, proper prescriptions along with a true copy of test reports and payment receipts.

Methods of applying for ICICI Lombard health insurance policy

Health insurance plans offered by the ICICI Lombard General Insurance Company can be applied to through multiple channels like:

  • Individuals wishing to buy Health insurance plans from ICICI Lombard may directly call the company’s sales helpline and speak to the customer service representative.
  • They need to provide their name, contact number, and details of the product they wish to purchase on the website of the company and request for a callback.
  • Online health insurance plans can be purchased directly by clicking on the ‘Buy Now’ tab.
  • Click on ‘Buy complete health insurance’ or ‘Buy Healthcare Plus’ or ‘Buy Personal protection’ tabs available on the ICICI Lombard Company’s website. The process of health insurance policy purchase can be done in three easy steps:
    1. All he needs to do is log on to the ICICI Lombard Company’s website and select the relevant tab. Now, a new web page will open and ask for details like the total number of adults, children, and adults to be insured, including the information like mobile number and email id of the buyer along with the amount of sum insured he wishes to opt for. The page calculates the premium on the basis of information provided by the ICICI Lombard insurance seeker for purchasing a health insurance plan. The policyholders can play around the plans and end up finding a plan with an affordable premium. Having reached the premium amount to be paid, the buyer has to click on the ‘continue’ button.
    2. This opens a new page that asks for the credentials, such as name, email ID, age, telephone number, the address of individual member to be insured and the nominee details. The buyer has to fill out the required details. The details entered should be accurate. Once the details are supplied, click the ‘continue’ tab.
    3. Further, on the new page, the buyer needs to make the payment for the ICICI Lombard Health Insurance policy.
  • Lastly, customers may also visit a nearby branch or directly contact an agent to buy the plans required.

ICICI Lombard Health Insurance Network Hospitals

ICICI Lombard General Insurance Company Limited has a tie-up with over 3200 hospitals across the country. You can choose any of the network hospitals to avail cashless facility for an ailment/illness or disease covered by your health insurance policy by ICICI Lombard. All you need to do is provide select a State, City, and Area, and then you can have a list of ICICI Lombard’s network hospitals in that area.

ICICI Lombard Health Insurance Premium Calculator

We, at policybazaar.com, provide you with the ICICI Lombard Health Insurance premium calculator that enables you to calculate the premium payable for health coverage. All you need to do is enter your personal details along with the other key details marked as mandatory. Choose the coverage or desired sum assured and the premium will be affected directly. The higher the coverage opted for the larger the premium payable for the health insurance policy.

ICICI Lombard Health Insurance Renewal

Policy Bazaar provides you with the facility of ICICI Lombard Health Insurance Renewal in a few simple steps. You can renew your existing ICICI Lombard Insurance policy on policybazaar.com by entering its details, such as policy number, expiry date, coverage or sum assured, and some more details that are marked as mandatory. Once you provide the required details, proceed to the payment through a valid Debit or Credit Card, or via Internet Banking. Alternatively, you can also renew your health insurance policy on the official website of ICICI Lombard after logging into your e-portal using your username and password.

ICICI Lombard Health Insurance FAQs

Q1: What does policy inception date mean in terms of health insurance plans by ICICI Lombard?

Ans: The term policy inception date refers to a particular date from which your policy comes into effect. The date of policy inception may be different from the date on which you purchased it.

Q2: What does optional coverage mean in terms of ICICI Lombard insurance?

Ans: Health insurance policy has various riders that are termed as add-ons. Health insurance policies by ICICI Lombard have such options that are aimed at protection enhancement.

Q3: What does the term mandatory coverage mean in ICICI Lombard?

Ans: The term mandatory coverage associated with your health insurance policy by ICICI Lombard refers to the original coverage offered by the health Insurance policy, which cannot be removed or altered whatsoever.

Q4: What is the premium payable for ICICI Lombard health insurance?

Ans: The premium is a general term and it refers to the amount of money payable to the insurer in exchange for the coverage it has offered through the policy.

Q5: What are entry and exit age?

Ans: Both the terms entry and exit age are different. Entry age refers to the minimum age required for purchasing this health insurance policy, whereas exit age refers to a particular age after which the policy cannot be renewed. Both of these ages can be different for different health insurance policies offered by the ICICI Lombard company.

Q6: What does permanent exclusion mean?

Ans: The term permanent exclusion refers to one or more diseases that are not covered by your health insurance policy.

Q7: What are the steps involved in claiming ICICI Lombard health insurance?

Ans: ICICI Lombard involves three simple steps:

  1. Claim intimation to insurer
  2. Claim processing
  3. Closure of the claim with successful payment.

Q8: What does the term sub-limit include in health insurance policy by ICICI Lombard?

Ans: The sub-limit under ICICI Lombard health insurance covers pre-hospitalisation costs, medical expenditures during treatment at the hospital, room rent and so on.

Q9: How are individual policies different from family floater policies?

Ans: An individual health insurance policy offers coverage to an individual for while a family floater plan covers the whole family.

Q10: Does having a higher sum assured really help? If yes, then how?

Ans: If you have a higher sum assured with your health insurance policy by ICICI Lombard, then you can avail high-quality treatment at the network hospitals. However, a higher coverage means a larger premium payable to the insurer.

ICICI Lombard Health Insurance Reviews

TOTAL REVIEWS (34)
Rahul
Deoghar
October 24, 2016

Good health cover

Icici lombard general insurance company ltd. is my health insurers. Policy coverage is good and premium is payed twice annually. Claiming process is easy and because of the the members of the company, the sanctioning the amount is very simple and easy.

Kshitij
Pratappur
October 19, 2016

Great Services

Large number of hospitals are working with icici lombard general insurance company. The ambulance is also facilitated by the company for free. Coverage is high and claims are easy to sanctioned because of the fast service given by the executives and members of the insurance company. Great experience.

Harish
Ranchi
October 19, 2016

Health Care

My health insurance policy is from icici lombard general insurance which is really very good. Policy coverage is high and claims are even better. Customer service is available for 24X7. Each customer is assisted by the executives of the company. I'm fully satisfied by my health insurance policy.

Kamal
Dwarka
October 06, 2016

Superb Health Policy

All that i needed is in this insurance policy which i purchase from icici lombard general insurance company. Premium is less and returns are high, Claiming is simple to cleared by taking good care and help of the executives of the company.

Lokesh
Jorhat
September 30, 2016

Good Coverage

Policy I have purchased for my parents is from icici lombard general insurance. Policy is really very good with huge benefits. Premium is less and returns are high. Service is very fast which facilitate by the executives and staff members.

Gauri
Gangtok
August 29, 2016

Good

ICICI lombard health insurance i purchased in very less premium with good benefits in return. The policy coverage and claims are high. Ambulance service is absolutely free of cost and hospital are very much in numbers which give good treatment.

Rishi
Guwahati
July 25, 2016

Lomabard Health Plan

My icici lombard health insurance plan is very good policy plan which has low investment but the returns are huge. It covers maximum expenses which occur in treatments. Good health security and tension free from bills. Ambulance is also provided by the hospitals which may charge for the ride.

Nadeem
Jetpur
July 08, 2016

Health Insurance

The health insurance policy is very important for security of health. It makes tension free life and the policy premium is less. Service is fast and claims are easily sanctioned due to this fast service given by members of the company.

Vishal
Jaipur
June 26, 2016

best claim

best company for claim and minimum premium

Deepak
Guwahati
June 25, 2016

Fine Insurance

I bought health insurance plan which provide's me many benefits like low premiums, ambulance service for free and many more. The policy coverage is high and claims are easy to sanctioned. The accidental death benefits is there for owner of the insurance policy. Updates are there on email address.

Raman
Gurgaon
April 08, 2016

Good Services

This company is provisioned the claim to the customer

Kshitij
Amritsar
March 11, 2016

Best Policy Plan

My health insurance is the best and i took it from icici lombard general insurance. Policy coverage is high ~95% and claims are ~Rs.1.2 L. Hospitals send ambulance for pickup the patient and it is absolutely free because all things are covered in policy plan. Investments are low approx. 23 K and payback returns are approx. 14 L.

Dharmendra
Manesar
March 11, 2016

Working Good

My policy coverage is 80% approx. And the claims are high around Rs.2 L. Services are very fast with full care. Around 90% hospitals of the city provides ambulance for both side ride. Investments is ~25 K and return is ~15 L at the end of policy plan.

Varun
Bengaluru
March 11, 2016

Health Care

By friend advice i bought health insurance policy plan from icici lombard general insurance. Nice coverage with big claims and low premiums. Hospitals are providing ambulance facilities too and for that no charges apply. The payback amount is ~Rs.2 L.

Abhishek
Navi_mumbai
March 11, 2016

Fast service

My health policy is with icici lombard general insurance. Policy coverage is less around 60% but the service is very fast and on time. Number of hospitals are big and all are giving services with free ambulance ride. Claims are high and premiums are low.

Navneet
Panchkula
March 11, 2016

Fine Health Policy Plan

Recently buy health insurance policy plan from icici lombard general insurance. 80% is Policy coverage. Rs.2 Lakhs are the claims. Services are bit slow but manageable and even ambulance service is also there which include in policy plan. Fine policy.

Lokesh
Delhi
March 11, 2016

"Awesome"

ICICI lombard general insurance is awesome, it provide me health insurance which is really nice and has low premiums. Policy coverage and claims are high. Huge number of hospitals are there for service. Ambulance is also facilitate for free. Nice policy with nice benefits.

Naveen
Nagpur
March 11, 2016

Below Average

My policy plan is below average health insurance from icici lombard general insurance. Policy has very slow services and the coverage is negligible. Claims are low but investments are high. Number of hospitals are less and no any other benefits from hospital like ambulance.

Madan
Lonavla
March 11, 2016

Perfect

I buy health insurance policy plan from icici lombard general insurance. All things are already present in this policy. Good claims and low investment. Policy coverage is high around 90%. Ambulance is facilitate form hospitals for both sides and the good behaviour from staff and executive members.

Ishant
Bhubaneshwar
March 11, 2016

Policy coverage is less

My health insurance policy plan is good just the policy coverage is low. Around 60% is the coverage of my policy, please improve it rest all thing are good like claims are high and premiums are low. Fast services with ambulance facility from hospitals which is absolutely free. Thank you icici lombard general insurance.

Kunal
Dwarka
March 11, 2016

service is bit slow

I purchase health insurance policy plan with icici lombard general insurance. Hospitals providing huge number of benefits like ambulance for free. Policy coverage and claims are high but the premiums are low. Service is bit slow this is the only problem, please improve it.

Nikhil
Noida
March 11, 2016

Poor Policy

My policy i.e., health insurance from icici lombard general insurance is really bad. Policy coverage is 20% claims are low and in reverse premiums are high. Less number of hospitals and no ambulance services. I'm closing this policy plan.

Yuvraj
Mandi_gobindgarh
March 11, 2016

Nice Work

I have health insurance policy plan with icici lombard general insurance. Hospitals are many for giving great services with full care. Ambulance is also facilitate for free. Policy coverage and claims are high but premiums are low.

Laxman
Kota
March 11, 2016

"Damn Good"

After long searching found nice health insurance policy plan from icici lombard general insurance. Policy coverage is 80% and claims are high but the good thing is premiums are low 20 k per year. Extra benefits are there like free ambulance service for both sides. High number of hospitals are there for service. Nice policy...

Vikram
Ahmedabad
March 11, 2016

Fantastic plan

ICICI lombard general insurance gave me health insurance policy plan which has low premiums and the returns are high. Policy covers almost all cases and number of hospitals are there to cure the patients. Even ambulance is not taking any charges for giving service.