ICICI Lombard Health Insurance Cashless Network Hospital List in Aurangabad, Maharashtra

Explore ICICI Lombard’s health insurance plans:

• Family Health Insurance
• Personal Accident Insurance 
• Activate Booster (Top Up Health Insurance)
• Arogya Sanjeevani Policy
• Senior Citizen Health Insurance
• Parents Health Insurance
• Children Health Insurance

which offers people much needed financial backup during any medical emergencies.

How to avail of cashless treatment in Aurangabad?

Follow these tips when you want to get cashless hospital treatment in Aurangabad.

• Find a hospital from the network list of your insurer.
• Present your health insurance policy card along with a valid photo ID at the hospital’s insurance helpdesk.
• The hospital will submit a pre-authorisation form to your insurer.
• Once your application is approved, the insurer will directly settle the bill with the hospital, excluding all non-covered expenses.

Things to check before admission in cashless network hospitals in Aurangabad

Go through the following checklist before admission to cashless network hospitals in Aurangabad.

• Confirm that the hospital you opt for is in your insurer’s network.
• Check to see if your family's health insurance sum insured is sufficient for the potential treatment cost.
• Clarify the expenses that are excluded from the cashless cover.
• Have all necessary documents ready beforehand to ensure an easy pre-authorisation process.

Conclusion

Cashless hospitalisation is an extremely convenient choice for families seeking medical assistance during emergencies. It ensures smooth payment and reduces financial stress. By choosing a cashless network hospital in Aurangabad, you can get quick and hassle-free treatment for yourself and your family. So, get a health insurance policy today that offers you the benefits of cashless treatment for your whole family in times of medical emergencies.

FAQ

Q1: Are all hospitals in Aurangabad covered under a cashless facility?

A1: No, only hospitals associated with your insurer are covered under cashless treatment.

Q2: Can my family members use cashless hospitalisation?

A2: Yes, a family health insurance plan can cover expenses for your entire family.

Q3: What if my cashless request is denied?

A3: You can get reimbursement by paying the bill upfront and sending the bills to your insurance provider later.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult a certified medical and/or nutrition professional for any questions. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

ICICI Lombard Health Insurance Cashless Network Hospital List in Baramati, Maharashtra

Explore ICICI Lombard’s health insurance plans :

• Family Health Insurance
• Personal Accident Insurance 
• Top Up Health Insurance
• Arogya Sanjeevani Policy
• Senior Citizen Health Insurance
• Parents Health Insurance
• Children Health Insurance

which offers people much needed financial backup during any medical emergencies.

ICICI Lombard Health Insurance Cashless Network Hospital List in Amravati, Maharashtra

Explore ICICI Lombard’s health insurance plans :

• Family Health Insurance
• Personal Accident Insurance 
• Top Up Health Insurance
• Arogya Sanjeevani Policy
• Senior Citizen Health Insurance
• Parents Health Insurance
• Children Health Insurance

which offers people much needed financial backup during any medical emergencies.

Health insurance is a significant aspect of financial planning, providing coverage for medical expenses and safeguarding against unforeseen health-related emergencies.  One such feature is the no claim bonus (NCB) in health insurance. Many health insurance policies offer this unique feature to reward policyholders for staying healthy and not making any claims during a policy year.

In this post, we will explore what the no claim bonus in health insurance is, how it works, and the benefits it provides.

Explaining no claim bonus

No claim bonus in health insurance is typically a discount or additional benefit provided by health insurance companies to policyholders who do not make any claims during a policy year. It is a form of appreciation or reward for maintaining good health and not utilising insurance coverage for medical expenses. NCB is typically offered as a percentage of the premium amount and added to the sum insured, resulting in an increased coverage amount without an additional premium cost. Sometimes NCB is also awarded as a discount in the premium amount.

How does no claim bonus work?

Health insurance no claim bonus works on the principle of rewarding policyholders for not filing any claims during the tenure of a policy. If a policyholder does not make any claim during the policy’s term, the insurer offers a certain percentage of the sum insured as an NCB at the time of policy renewal. Some insurance providers offer the NCB as a discount on the premium instead of an increase in coverage. The percentage of NCB may vary from one insurance company to another and can range from 5% to 50% and sometimes even more, depending on the policy’s terms and conditions.

Note that the no claim bonus is not cumulative and does not carry forward if not utilised during the policy period. Instead, it goes on increasing as a percentage amount every year till 5 continuous years of no claim. Once you make a claim for your health insurance coverage, the no claim bonus gets exhausted.

However, some insurers offer add-ons called “No Claim Bonus Protection Cover”, which allows policyholders to retain their health insurance no claim bonus even if they make a claim during the policy period. Policyholders can buy this add-on by paying a nominal additional premium.

Benefits of No Claim Bonus in Health Insurance

The major benefits of no claim bonus in health insurance are listed below.

• Increased coverage:

One of the primary benefits of the NCB in health insurance is the increased coverage amount without any additional premium cost.

• Incentives for healthy lifestyle:

No Claim Bonus acts as an incentive for policyholders to maintain a healthy lifestyle and avoid making claims for minor health issues.

• Cost savings:

No claim bonus can result in cost savings as policyholders can continue getting the same coverage at a discounted cost. Policyholders who do not make any claims can avail of the benefits of health insurance with no claim bonus year after year, resulting in substantial savings on the overall premium cost.

Insurers offer a no claim bonus to policyholders for not raising a claim during a policy year as an increase in coverage or sum insured or a discount on the premium. The no claim bonus feature in medical insurance encourages policyholders to adopt a healthy lifestyle and go for regular preventive check-ups.

Updated on 23 Dec 2025

Rising medical costs make health insurance more important than ever. Without adequate coverage, even a single medical emergency can become stressful and costly. While high-coverage plans protect you, they often come with high premiums.

To ensure you’re fully covered without overspending, it’s important to review your policy features, age criteria and coverage limits. If your current plan falls short, adding top-ups, either a top-up health plan or a super top-up health plan, can provide the extra protection you need. This guide explains both options in detail.

What is top-up health insurance?

A top-up health insurance plan provides additional coverage but comes into effect only when the sum insured by the existing policy is exhausted. The premium for a top-up plan is relatively low compared to a regular health insurance policy, as the coverage comes into effect only after the deductible amount is exhausted. However, the deductible amount can vary depending on the insurer and the plan.

Benefits of buying top-up health insurance

Buying a top-up health insurance plan provides several advantages:

• Cost-effective: Top-up plans are usually cheaper than increasing the coverage of your base health insurance, offering extra protection at a lower premium.
• Extra coverage: They increase your health insurance coverage without altering your main policy, protecting you from high hospital bills.
• Flexible deductibles: You can choose deductible limits that suit your existing coverage and budget.
• Tax benefits: Premiums paid are tax-deductible under Section 80D of the Income Tax Act, reducing your taxable income.
• Good for senior citizens: Top-up plans provide additional coverage for medical emergencies, making them a suitable option for older adults.

What is super top-up health insurance?

A super top-up health insurance plan is similar to a top-up plan, but the coverage comes into effect when the cumulative medical expenses exceed the deductible amount, regardless of whether the expenses are subject to a single hospitalisation or multiple hospitalisations in a policy year. The premium for a super top-up plan is higher than that of a top-up plan, but it provides a higher coverage amount and is more comprehensive.

Benefits of super top-up health insurance

Super top-up health insurance offers several advantages:

• Cumulative coverage: All hospital expenses in a policy year are added together, making it ideal for multiple hospitalisations.
• No need to alter existing policies: It increases coverage without changing your current health insurance policies.
• Covers multiple hospitalisations: Once cumulative expenses exceed the deductible, the plan pays for all qualifying hospitalisations.
• Tax deductible: Premiums qualify for tax deductions under Section 80D of the Income Tax Act.
• Higher coverage for lower premiums: Provides more extensive coverage at a lower cost compared to standard health insurance.

Top-up vs super top-up health insurance: Key differences

Top-up and super top-up health insurance plans both supplement your existing health insurance, but they differ in how claims are settled. The table below highlights the key differences:

What is a deductible in top-up/super top-up plans?

A deductible is the fixed amount you pay out of pocket before your insurance coverage begins. In top-up and super top-up plans, the policy starts paying only for expenses that exceed this amount. Deductible limits vary by insurer and plan, helping ensure that the insurance is used for higher medical costs rather than minor expenses.

Top-up vs super top-up: Which one to choose?

A top-up plan is suitable for those who rarely require hospitalisation but want protection against high-cost medical events, such as major surgery.

A super top-up plan is ideal for individuals with multiple treatments or hospitalisations in a year. It covers cumulative medical expenses beyond the deductible, making it useful for families and senior citizens.

For cost, top-up plans have lower premiums and suit occasional high expenses, while super top-up plans are better for repeated claims.

Conclusion

For better financial protection against medical emergencies, it’s important to have a comprehensive insurance. Under this policy, you can choose different plans to suit your needs, such as a senior citizen health insurance plan, top-up plan or super top-up plan. These options provide extra coverage beyond the base sum insured and help reduce the burden of high hospital bills.

Fill out the form on this page today to get personalised health insurance advice and select the best plan for your loved ones.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult a certified medical and/or nutrition professional for any questions. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

Imagine you have finally taken the step to secure your health and well-being by purchasing a health insurance policy. You feel relieved, knowing you have taken a proactive measure towards protecting yourself and your family. However, you soon realise that your policy comes with a waiting period for pre-existing illnesses. Suddenly, you feel a sense of uncertainty and wonder how this PED waiting period will affect you in the event of a medical emergency. So let’s talk about what exactly does waiting period in health insurance denotes, its duration, and factors to consider before finalising a policy and investing in it.

What are pre-existing illnesses?

Pre-existing illnesses are health conditions an individual already has before taking up a health insurance policy. These can range from chronic ailments like diabetes, heart disease, and asthma to terminal illnesses like cancer. Such illnesses get considered as pre-existing ailments if a person receives treatment for any ailment falling in this category before purchasing the insurance policy.

For instance, if a person has diabetes before taking up a health insurance policy, it will get considered a pre-existing illness. In case the policyholder needs medical treatment for diabetes, the insurer may not provide coverage or may provide it with certain restrictions and limitations.

Many insurance companies offer policies that cover pre-existing illnesses, but they may come at a higher premium or with various exclusions. One must exercise due diligence and carefully analyse the policy document, comprehending all the terms and conditions before making an informed decision. 

How much waiting period can there be for pre-existing illness?

Insurance companies determine the waiting period for pre-existing illnesses in health insurance policies. For instance, a healthcare policy you choose may have a 2-year waiting period for health insurance. In other words, you cannot make any claim for pre-existing illnesses or other ailments specified in the plan before the two-year period expires.

The waiting period for pre-existing illnesses in medical insurance policies may vary between insurance companies, but it generally falls within the 12-48 months bracket. The waiting period comprises the following parameters.

The waiting period for pre-existing diseases can vary depending on the disease type. Some diseases, such as hypertension or diabetes, are considered chronic conditions. Therefore, the waiting period for these diseases may be longer than other conditions.

The waiting period may also depend on the severity of the pre-existing condition. The waiting period may be more if the ailment is severe and requires significant medical treatment.

The policyholder’s age is also essential in determining the waiting period. The waiting period for pre-existing diseases is typically longer for older policyholders as they are more likely to have such health issues.

Important things to note about the health insurance waiting period

Here are some key aspects to note about health insurance waiting periods:

• Duration:

The waiting period for pre-existing illnesses generally ranges from two to four years, while the waiting period for specific treatments may be shorter.

• Coverage:

During the waiting period, a policyholder is ineligible for any benefits or coverage for the specific illness or treatment mentioned in the policy.

• Disclosure:

It is essential to disclose all pre-existing illnesses or medical conditions during policy purchase to avoid rejection of claims or cancellation of the plan.

• Renewal:

Waiting periods are usually applicable only for a specific period of the policy. A policyholder becomes eligible for the full benefits of the policy, including coverage for pre-existing illnesses, if he/she continues to renew the policy on time and completes the policy’s waiting period for specific ailments.

• Exclusions:

Certain policies may have permanent exclusions for pre-existing illnesses or specific treatments.

• Impact on premiums:

Policies with shorter or no waiting periods may have higher premiums than those with a more extended waiting period.

India has a high rate of accidents, which can result in huge financial expenses for the victim and his/her family. With the rising number of accidents on Indian roads and workplaces, it has become essential for individuals to have personal accident insurance. Let us start with getting into knowing what personal accident insurance meaning is.

Personal accident insurance provides monetary compensation in case an accident results in injury, disability, or death of a policyholder. This type of insurance can help individuals and their families cope with the financial impact of an accident and its aftermath.

Scroll down to learn in detail about personal accident policy.

What is Personal Accident Insurance?

These policies provide financial assistance against an accident resulting in injury, temporary or permanent disability, or even the demise of a policyholder. A personal accident insurance policy covers the insured person against accidents that occur while he or she is travelling, working, or participating in any other activities.

It is also important to know the features of the coverage that such plans offer. Some of the prime features of a personal accident insurance policy include coverage for medical expenses, accidental death, as well as permanent/temporary disability. Medical expenses coverage provides reimbursement for expenditures incurred as a result of an accident.

Personal injury protection insurance provides a lump sum payment to the nominee in the event of the insured person’s accidental death or permanent disability resulting from an accident. Temporary disability coverage provides a weekly or monthly benefit to the policyholder.

Benefits of Personal Accident Insurance

Understanding personal accident policy also requires being aware of the benefits it offers. The policy provides financial security to the insured person and his or her family from the adverse consequences that an accident can lead to. It offers much-needed peace of mind to the insured person and his/her family, knowing they will receive coverage against the financial impact of an accident.

Also, personal accident insurance policies are affordable, and the premium rates are reasonable. You can customise such plans based on your particular requirements. As per the Income Tax Act, a policyholder can avail of tax deductions for the premium paid towards a personal accident insurance policy under Section 80D.

Personal accident insurance policies do not require a medical examination for the policyholder to purchase the policy. One can also buy add-on covers, such as accidental hospitalisation rider, accidental death and dismemberment rider, etc., which provide additional coverage to the insured person.

Advantages of Buying Personal Accident Insurance

A personal accident policy provides a financial cushion to the insured and his/her family against accidents. The policy provides several benefits, such as financial security, peace of mind, affordability, customisation, tax benefits, worldwide coverage, and additional riders. Every individual should consider purchasing a personal accident insurance policy to ensure financial protection against accidents.

Apart from having a clear understanding of what is a personal accident policy, you must consider some factors before buying one. You must choose the coverage amount of a personal accident policy based on your particular needs and financial capabilities. It is essential to thoroughly read and identify the exclusions stated in the policy document. Some personal accident policies may have a waiting period before the insurance plan becomes effective. The waiting period may range from a few days to some weeks. Now that you have sufficient details about personal accident policy do a quick search and buy personal accident insurance at the earliest.

Mediclaim after 60 years is crucial as it provides financial support during medical emergencies, which is common in this age group. With age, the risk of developing chronic diseases and health complications increases, which requires continuous medical attention and medication. The cost of medical treatments has also increased significantly in recent years, making it even more important to have health insurance. Without a mediclaim policy after 60 years, the burden of medical expenses can quickly drain the savings of senior citizens and affect their financial stability, making it essential to have robust health insurance coverage.

Need of a Mediclaim Policy After 60 Years

With age, the risk of developing chronic diseases, such as heart disease, hypertension, and diabetes, increases. These medical conditions require continuous medical intervention, which can be expensive. Therefore, having a mediclaim policy after 60 years is crucial to ensure that you do not have to bear the financial burden of these medical expenses.

Also, financial capacity may get somewhat restricted in old age. After retirement, there is a significant drop in income, and one has to rely on his/her savings to manage expenses. In such circumstances, medical emergencies can quickly drain your savings. A mediclaim policy for those over 60 years provides financial support during such emergencies and ensures that their savings remain intact.

Furthermore, with the advancement in medical technology and increasing demand for quality healthcare, medical treatment costs have risen significantly in recent years. This makes it even more necessary to have a mediclaim policy that covers your healthcare expenses.

Things to Consider While Buying a Mediclaim Policy for 60+

When buying a mediclaim policy after you reach 60, choosing a coverage amount sufficient to cover all your medical expenses is essential. As you age, medical expenses tend to increase, so opting for a policy with higher coverage is crucial. It is important to note that some mediclaim policies come with co-payments and deductibles, meaning you will have to shell out a specific percentage of the medical expenses yourself. Therefore, checking the co-payment and deductible clauses before buying a mediclaim policy is crucial.

Most mediclaim policies have a waiting period of 2-4 years for pre-existing ailments. Therefore, choosing a policy that covers pre-existing conditions or has a shorter waiting period is important. Next, it is crucial to check the network hospitals of the insurer offering the mediclaim policy before buying it. This will ensure you can avail of cashless hospitalisation at the nearest network hospital without worrying about medical expenses.

Do consider the premium as the amount for mediclaim after 60 years tends to increase with age. Therefore, comparing the premiums of different policies before buying one is essential.  

In conclusion, mediclaim after 60 years is essential for senior citizens as it provides financial support during medical emergencies. Remember to consider the coverage amount, co-payments, deductibles, waiting period for pre-existing ailments, network hospitals, and premiums. By considering all these aspects, you can pick a policy that suits your medical requirements and budget.

ICICI Lombard Health Insurance Cashless Network Hospital List in Akluj, Maharashtra

Explore ICICI Lombard’s health insurance plans :

• Family Health Insurance
• Personal Accident Insurance 
• Top Up Health Insurance
• Arogya Sanjeevani Policy
• Senior Citizen Health Insurance
• Parents Health Insurance
• Children Health Insurance

which offers people much needed financial backup during any medical emergencies.

ICICI Lombard Health Insurance Cashless Network Hospital List in Akola, Maharashtra

Explore ICICI Lombard’s health insurance plans :

• Family Health Insurance
• Personal Accident Insurance 
• Top Up Health Insurance
• Arogya Sanjeevani Policy
• Senior Citizen Health Insurance
• Parents Health Insurance
• Children Health Insurance

which offers people much needed financial backup during any medical emergencies.

ICICI Lombard Health Insurance Cashless Network Hospital List in Ahmednagar, Maharashtra

Explore ICICI Lombard’s health insurance plans:

• Family Health Insurance
• Personal Accident Insurance 
• Top Up Health Insurance
• Arogya Sanjeevani Policy
• Senior Citizen Health Insurance
• Parents Health Insurance
• Children Health Insurance

which offers people much needed financial backup during any medical emergencies.

We all know that life is unpredictable, and it’s essential to remain prepared for any unexpected events that might come our way. One such event that can cause a financial and emotional burden is a medical emergency. In such cases, having health insurance is crucial. One may not be aware that there is a particular type of healthcare card that can enhance the entire process of accessing medical treatment. It is known as a cashless health card.

What is a cashless health card?

A cashless health card is a convenient and hassle-free way to receive medical treatment without worrying about expenses. It is a card issued by an insurance company that allows policyholders to get cashless treatment at network hospitals. Generally, the cashless health card comprises critical information such as the policyholder’s personal details, insurance policy number, and the insurer’s customer care team contact information.

With a health insurance card, the policyholder does not have to shell out payments upfront for medical treatment at a network hospital. In this case, the hospital does not give the bill to the policyholder but instead sends it directly to the insurance provider for payment settlement.

Cashless health card benefits

• Hassle-free access to medical treatment:

With a cashless health card, a policyholder can avail of medical treatment at any network hospital without worrying about making upfront payments. The card serves as a payment mode, and the policyholder can receive treatment without any hassle.

• Quick settlement of claims:

The settlement of claims is quick and hassle-free with a cashless health card. The policyholder does not have to worry about submitting multiple documents or waiting for reimbursement of the expenses incurred on medical treatment.

• Comprehensive coverage:

Medical insurance cards offer exhaustive financial protection for various medical expenses, including hospitalisation, surgeries, diagnostic tests, and other medical procedures.

• Peace of mind:

The cashless health card provides policyholders with a sense of security and peace of mind, knowing they will get covered in the event of a medical emergency. It offers a sense of assurance that is crucial during illness or medical emergencies.

How to get a cashless health card?

• Choose a medical plan:

The first step is to select a health insurance plan that offers a cashless health card. One can do this by researching various health insurance plans and their benefits.

• Submit documents:

After choosing a health insurance plan, the policyholder needs to submit the required documents, such as documents showing proof of age, identity, address, and medical history, to the insurance company.

• Pay premium:

The policyholder must pay the insurance premium through various online modes of payment.

• Receive health card:

Once the policy is issued, the policyholder will receive a cashless health card with the policy documents

• Activate the card:

Policyholders need to activate the card before using it. One can do this by contacting the insurance company’s customer care or following the activation process mentioned on the card.

• Use the card:

After activation, the policyholder can use the cashless health card to avail of medical services at a network hospital.

Like any other market, the insurance market also runs on the dynamics of demand and supply. People need insurance companies to offer them insurance products that protect them from various financial losses. At the same time, the insurance providers are also required to meet the expectations of their customers—the policyholders. The most crucial expectation that people have from these insurance providers is that their claim will be settled easily, that is, they would be reimbursed with the insured sum as and when needed.

Principles of claim settlement

In their pursuit to meet the insurance market demands, the suppliers or the insurance providers must adhere to a certain set of principles surrounding claim settlement. There are primarily three major pillars of claim settlement:

Verification of the loss

It is the responsibility of the insurance provider to verify the claim. They must ensure that the authentic claims do not get rejected or delayed, and the inauthentic ones do not make it to the final claim disbursal. This involves estimating correctly the instance of loss and corroborating the same with the policy coverage.

Prompt payment

The second principle for settling a claim is to clear the claim amount at the earliest—that is as soon as the information collection and verification are completed. Once the claim is found to be valid, the payment of the insured sum should not be delayed by any means.

Assistance to the insured

The insurance company must provide systematic and consistent assistance to the policyholder during claim settlement. While the need for insurance is widely understood, its processing is still a long shot for many policyholders. It is the responsibility of the insurance provider to ensure that their customer has access to correct information about the claim settlement process.

Some key points for policyholders

While insurance providers are expected to stick to the principles mentioned above, insurance buyers are suggested to take note of certain factors surrounding claim settlement. These are:

• Before buying an insurance policy, you should research well to ensure that the company you opt for is credible. Always check the claim settlement ratio of your preferred company. The higher the claim settlement ratio, the better the chances of your claim being settled without any hassles.
• You can find the claim settlement ratio of all the IRDA-registered companies on the IRDA Claim Settlement Ratio 2022
• Say, you zero in on an insurance provider with a high claim settlement ratio. But, that is not enough. You should also check the overall financial health of the company.