ICICI Lombard Health Insurance Waiting Period

ICICI Lombard Health Insurance Waiting Period

ICICI Lombard health insurance waiting period is the time period that the insured needs to wait in order to file an ICICI Lombard health insurance claim. It differs from one ICICI Lombard health insurance policy to another and applies to multiple diseases and medical procedures. However, no waiting period should be served to raise an accidental claim under ICICI Lombard medical insurance plans.

Types of ICICI Lombard Health Insurance Waiting Period

Here are the various types of waiting periods that are applicable to ICICI Lombard health insurance plans:

1. ICICI Lombard Health Insurance Pre-existing Disease Waiting Period

   This type of waiting period should be served to file a claim to cover the treatment cost of pre-existing diseases (PED), such as heart diseases, diabetes, hypertension, obesity, etc.

2. ICICI Lombard Health Insurance Specific Illness Waiting Period

   Policyholders can claim the medical expenses incurred on specific illnesses and procedures, such as dialysis, cataract, etc., once this waiting period is over.

3. ICICI Lombard Health Insurance Initial Waiting Period

   This waiting period should be served to file any non-accidental health insurance claims under the ICICI Lombard health insurance policy.

4. ICICI Lombard Health Insurance Maternity Waiting Period

   The insured must serve this waiting period to file a maternity insurance claim for delivery and childbirth-related expenses.

5. ICICI Lombard Health Insurance Critical Illness Waiting Period

   This waiting period must be served by the insured to file a claim under the critical illness cover.

6. ICICI Lombard Health Insurance Worldwide Cover Waiting Period

   Policyholders must serve this waiting period to claim the hospitalization expenses incurred outside India.

7. ICICI Lombard Health Insurance Bariatric Surgery Waiting Period

   This type of waiting period must be served to file a claim for the cost of bariatric surgery availed by the insured.

8. ICICI Lombard Health Insurance Outpatient Treatment Waiting Period

   The insured can claim the cost of availing outpatient treatment after serving this waiting period for OPD cover.

9. ICICI Lombard Health Insurance Cancer Cover Waiting Period

   This type of waiting period should be served to claim cancer cover for the treatment of different types of cancer, including breast cancer and cervical cancer.

10. ICICI Lombard Health Insurance Cancer Restore Benefit Waiting Period

    Policyholders must serve this waiting period after the diagnosis of the first major cancer to file a claim.

11. ICICI Lombard Health Insurance Vector-borne Disease Waiting Period

    This waiting period must be served to claim the treatment cost of vector-borne diseases, such as dengue, malaria, chikungunya, etc.

12. ICICI Lombard Health Insurance Pre-existing Disability Waiting Period

    The insured should serve this waiting period to claim the medical expenses resulting from pre-existing disability.

List of ICICI Lombard Health Insurance Waiting Period

Check out the list of waiting periods that apply to health insurance plans offered by the ICICI Lombard General Insurance Company:

Note: The ICICI Lombard health insurance waiting period disease list and the exact waiting period may vary from one plan to another.

Is It Possible to Reduce the ICICI Lombard Health Insurance Waiting Period?

Yes. The ICICI Lombard General Insurance Company allows policyholders to reduce their pre-existing disease waiting period from 3 years to 2 years or 1 year under Elevate, Activate Booster, and Max Protect plans. Similarly, they can reduce the maternity waiting period, specified illness waiting period and worldwide cover waiting period from 2 years to 1 year under Elevate and Activate Booster plans.

Moreover, policyholders can reduce the waiting period for pre-existing coronary artery disease, asthma, obesity, diabetes, hyperlipidaemia and hypertension to 30 days with the JumpStart benefit available under Elevate and Activate Booster plans. However, sthese benefits can be purchased on the payment of an additional premium amount.

Things to Remember About ICICI Lombard Health Insurance Waiting Period

Take a look at the various things to remember about the ICICI Lombard health insurance waiting period:

• Any disease or health condition diagnosed after buying the ICICI Lombard medical insurance policy is not considered a pre-existing disease.
• The initial waiting period is not required to be served to file a accidental claim under the mediclaim policy.
• Policyholders can reduce their waiting periods under some ICICI Lombard health insurance plans by paying an additional premium.
• The insured needs to serve the critical illness waiting period and the survival period to claim the treatment cost of a critical illness.

ICICI Lombard Health Insurance Waiting Period: FAQs