ICICI Lombard Health Insurance Portability

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      ICICI Lombard Health Insurance Portability

      ICICI Lombard health insurance portability allows policyholders to transfer their existing health insurance policy to ICICI Lombard General Insurance Company without losing continuity benefits like no-claim bonus and waiting periods. This process ensures that they retain their accumulated advantages while gaining access to better coverage and benefits. To port to an ICICI Lombard health policy, policyholders must inform the insurer around 45 days before their current policy renewal date.

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      Benefits of Porting to an ICICI Lombard Health Insurance Policy

      Following are the benefits of porting to an ICICI Lombard health insurance plan:

      • Better Benefits and Coverage: Porting to an ICICI Lombard health policy can provide access to better coverage and additional benefits that their current medical plan may lack. For example, people can choose to port to an ICICI Lombard health plan to enjoy unique coverage, such as infinite care benefit, inflation protector, power booster benefit, NRI advantage benefit, etc. 
      • Lower Premiums: Porting allows people to switch to an ICICI Lombard mediclaim policy with lower premiums if their current policy has become expensive due to age or other factors. This can help policyholders maintain similar coverage without the higher costs.
      • Transfer of Waiting Periods: When porting a health insurance policy, any waiting periods already served under the previous policy are carried forward. This means the insured will only have to serve the remaining waiting periods if they move to ICICI Lombard health policy.
      • No Loss of No Claim Bonus (NCB): The ICICI Lombard health insurance portability ensures that the policyholder does not lose any accumulated No Claim Bonus (NCB) from their previous policy on porting. For example, if the policyholder has earned a 30% NCB with the current policy, this same NCB percentage will be transferred to their new ICICI Lombard mediclaim policy. 

      How to Port to an ICICI Lombard Health Insurance Policy?

      The steps to port to an ICICI Lombard health insurance plan online at Policybazaar.com are as follows:

      Step 1: Select an ICICI Lombard mediclaim policy of your choice.

      Step 2: Raise a portability request with Policybazaar in order to port your current medical insurance policy to the ICICI Lombard health policy of your choice. Make sure you do it approximately 45 days before your current policy expires. 

      Step 3: Fill out and submit the online proposal and portability forms to Policybazaar.

      Step 4: Pay the premium online for the chosen ICICI Lombard health plan.

      Step 5: Your portability request will be forwarded by Policybazaar to ICICI Lombard General Insurance Company.

      Step 6: ICICI Lombard General Insurance Company will contact your existing insurer for your claim history, medical documents and other details. They may also retrieve this data from the IRDAI website.

      Step 7: Your current insurer will provide the required information to ICICI Lombard General Insurance Company within 7 working days via the common data-sharing portal of IRDAI. Any delay in data sharing will put your portability request on hold.

      Step 8: ICICI Lombard General Insurance Company will review the received documents and decide on your portability request within 15 days. If you do not hear back within this period, your request will be auto-accepted.

      Documents Required for ICICI Lombard Health Insurance Portability

      To initiate health insurance portability with ICICI Lombard General Inusrance Company, the following documents must be submitted:

      • Most recent renewal notice stating the details of the NCB 
      • A copy of the previous years’ health insurance policies
      • Claim history details, if any, in the previous years’ medical insurance policies
      • Medical documents, such as test reports, doctor's consultation papers, hospital discharge certificates, etc., if applicable

      How Does NCB Work Under ICICI Lombard Health Insurance Portability?

      When an existing policy is ported to ICICI Lombard health insurance, the No Claim Bonus from the previous policy is handled differently depending on the situation. Let us understand each scenario in detail:

      Scenario 1: When a policyholder switches to an ICICI Lombard health policy with the same sum insured, the waiting periods from the old policy will be enough.

      For example: If Shruti has a ₹20 lakh health insurance policy with an NCB of ₹7 lakh and decides to port to an ICICI Lombard policy of ₹20 lakh, the waiting periods from her old policy will apply. As a result, she will not have to serve any additional waiting periods and can use the coverage benefits immediately.

      Scenario 2: When a policyholder switches to an ICICI Lombard health insurance policy with a sum insured that equals the old policy's base sum insured plus the NCB, the waiting periods from the old policy will be sufficient.

      For example: If Shruti has a ₹20 lakh health insurance policy with an NCB of ₹7 lakh and decides to port to an ICICI Lombard medical insurance policy of ₹27 lakh, the waiting periods from her old policy will still apply. This is because the new policy's sum insured matches the old policy's base sum insured plus the NCB. Thus, she will not have to serve any additional waiting periods in this case. 

      Scenario 3: When a policyholder switches to an ICICI Lombard health policy with a higher sum insured than the old policy's base sum insured plus the NCB, fresh waiting periods will apply to the extra coverage amount.

      For example: If Shruti has a ₹20 lakh health insurance policy with an NCB of ₹7 lakh and decides to move to an ICICI Lombard policy of ₹30 lakh, the waiting periods from her old policy will apply to ₹27 lakh only. To claim the additional ₹3 lakh, she will have to serve the standard waiting periods as per the terms and conditions of the chosen policy.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

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