Get cashless approval within 4 hours* with ICICI Lombard’s Complete Health Insurance
With ICICI Lombard’s Complete Health Insurance policy, you are assured cashless approval within 4 hours. This lets you avail timely medical services without worrying about the finances, at any of our 3600+ network hospitals.
7 reasons to buy ICICI Lombard Complete Health Insurance
The reset will trigger only for claims within the same policy year excluding the first claim, and if it is unrelated to the illness/disease/injury for which a claim has been paid in that policy year for the same person.
Expenses covered for Ayurveda, Unani, Siddha and Homeopathy (AYUSH) treatment only when it has been undergone in a government hospital or in any institute recognised by the government and / or accredited by Quality Council of India/ National Accreditation Board for Hospitals & Healthcare Providers (NABH)
a)For Reimbursement Claims: We shall make the payment of admissible claim (as per terms & conditions of policy) OR communicate non-admissibility of claim within 14 days after you submit a complete set of documents and information in respect of the claim. We shall pay 1% interest over and above the rate defined as per IRDAI regulations 2002.
b)For Cashless Claims: If you notify pre-authorisation request for cashless facility through any of our empanelled network hospitals along with a complete set of documents and information, we will respond within 4 hours of the actual receipt of such pre-authorisation request with approval or rejection or query seeking further information. In case of delay in response by us beyond the time period, we shall be liable to pay ₹ 1,000 to the insured.
How does Tax Benefit work?
For e.g. A premium of ₹25,000/- is fully deductible under Section 80D of the Income Tax Act. You would save ₹ 7725/- on your tax payable at maximum tax slab.
Key Points:
- Premium paid for medical insurance qualifies for deduction under Section 80D of the Income Tax Act.
- Section 80D benefit remains over and above ₹ 1.5 lakhs benefit of 80C (ELSS, Principal component of home loan, Life Insurance, etc.)
- The individual who pays the premium for the cover can avail tax benefit
- Persons covered include your spouse, children and parents.
- The qualifying amounts under Section 80D is maximum up to ₹ 25,000/- for self, spouse and children.
- A further deduction of ₹ 25,000/- can be saved when covering parents, and if the parents are senior citizens aged 60 years or more at any time during the financial year in which the premium was paid, then up to ₹ 30,000/- can be saved.
Out Patient Treatment, Wellness and Preventive Healthcare and Maternity Benefit
This is an add-on cover, to be purchased separately, if desired.
Maternity and New Born Baby Cover:
- Reimbursement of medical expenses incurred for delivery, including a caesarian section, during hospitalisation or lawful medical termination of pregnancy during the policy period.
- Pre-natal and postnatal expenses shall also be covered up to the defined limit.
- Reimbursement of medical expenses incurred on the ‘New Born Baby’ during hospitalisation (minimum period of consecutive 24 hours) for a maximum period up to 91 days from the date of birth of the baby.
Wellness and Preventive Healthcare and Outpatient Treatment Cover:
- Reimbursement for the medical expenses incurred as an out-patient including routine physical and preventive examinations,fitness programs including gymnasium, yoga, vaccinations, etc.
- Online chat with doctor
- Specialist consultation with one follow-up session
- Dietician and nutritionist consultation
- Free health check-up (T2) (T2 includes medical examination, blood grouping and Rh, Hb%, CBC, fasting blood sugar, urine routine, ECG, Total Cholesterol, PPBS – Post Prandial / Lunch Blood Sugar)
- Online chat with doctor
- Specialist consultation with one follow-up session
- Dietician and nutritionist consultation
Why Do You Need Critical Illness Insurance?
Medication and treatment costs for critical illnesses can be huge; however, a bit of prudent planning helps.
See MoreUnderstand your Complete Health Insurance policy coverage
Your policy covers:
- Medical expenses incurred during hospitalisation for more than 24 hours, including room charges, doctor/surgeon’s fee, medicine bills, etc.
- Medical expenses incurred 30 days prior and 60 days post hospitalisation
- Day-care expenses for advanced, technological medical surgeries and procedures requiring less than 24 hours of hospitalisation (including dialysis, radiotherapy and chemotherapy)
- Pre-existing diseases, but after 2 years / 4 years of continuous coverage with the Company*
- Life Long Renewability: The policy provides life - long renewal
- Floater Benefit: Floater cover to get family (self, spouse, dependent parents, dependent children, brothers and sisters) covered for the same sum insured under a single policy by paying one premium amount. Any individual above 3 months of age can be covered under the policy provided 1 adult is also covered under the same policy
- Additional Sum Insured: An Additional Sum Insured of 10% of Annual sum insured provided on each renewal for every claim free year up to a maximum of 50%. In case of a claim under the policy, the accumulated Additional Sum Insured will be reduced by 10% of the Annual Sum Insured in the following year
- Policy period: Option of choosing 1 or 2 year policy period under various plans offered
- Cashless Hospitalisation: Avail cashless hospitalisation at any of our network providers / hospitals. A list of these hospitals / providers is available on our website www.icicilombard.com
- Free Health Check - up: The customer is entitled for a Free Health Check - up at designated centers. The coupons would be provided to each Insured for every policy year, subject to a maximum of 2 coupons per year for floater policies
- Tax Benefit: Avail tax deduction on premium paid under health insurance policy as per applicable provisions of Section 80D of Income Tax Act, 1961 and amendments made there to
- Pre - Policy Medical Check - up: No medical tests will be required for insurance cover below the age of 46 years and Sum Insured up to ₹10 Lakhs
- Free Look Period: Policy can be cancelled by giving written notice within 15 days of receiving the policy
- Reset benefit: We will reset up to 100% of the Sum Insured once in a policy year in case the sum insured including accrued additional Sum Insured (if any) is insufficient as a result of previous claims in that policy year
- In Patient AYUSH Treatment: Expenses for Ayurveda, Unani, Siddha and Homeopathy (AYUSH) treatment only when it has been undergone in a government hospital or in any institute recognised by the government and / or accredited by Quality Council of India / National Accreditation Board on Health
- Emergency Ambulance Cover: Reimbursement up to ₹1,500 per hospitalisation for reasonable expenses incurred on availing an ambulance service offered by a hospital / ambulance service provider in an emergency condition
- Wellness Program: Our wellness program intends to promote, incentivise and reward you for your healthy behavior through various wellness services. All the activities as mentioned in the desired section help you earn wellness points which will be tracked by us
Optional add-on covers:
Optional Cover 1
| Sum Insured(₹) | 3 lacs/ 4 lacs/5 lacs | 7 lacs/ 10 lacs |
|---|---|---|
| Hospital Daily Cash | ₹1,000 per day | ₹2,000 per day |
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*Conditions apply
Voluntary Deductible
Notwithstanding anything to the contrary in the Policy, it is hereby expressed and agreed that You have voluntarily opted for a Deductible, as specifically appearing in the Policy Schedule, in consideration for a reduction in premium amount payable for this Policy.
Deductible will be applicable for each and every Claim during the Policy Year before it becomes payable by Us under the Policy. Subject otherwise to the terms, conditions and exclusions of the Policy.
Refer to the Policy Wordings document to understand exactly what all your policy covers, so you can benefit from it better.
Your policy does not cover:
- An illness that you contract within 30 days of the starting date of your policy, except those that are incurred as a result of an accident. This clause is not applicable on the subsequent renewals.
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ICICI Lombard Complete Health Insurance
ICIHLIP10001V020910
Misc 128
Check your eligibility for Complete Health Insurance
- If you are above 18 years of age, you can buy the Complete Health Insurance policy for yourself and your family members, children and parents
- If you want your child to be covered under the family floater, your child should be more than 3 months of age and in case you are buying an individual policy for your child, he or she should be more than 6 years of age
- A policy bought to cover children aged between 3 months to 5 years, should necessarily cover at least one adult too
- Children have to be more than 91 days old to be eligible for the policy
- If you are buying the policy for an individual who is more than 46 years of age, he or she will need to undergo a medical test at our designated diagnostic centres
- You can avail income tax benefits under Section 80D, only on policies bought for self, spouse, parents and dependent children
ICICI Lombard Complete Health Insurance
ICICI Lombard Complete Health Insurance is one of the best family floater health insurance policies in India. ICICI Lombard Complete Health Insurance is a comprehensive plan designed to cover your and your family’s health care expenses during planned or emergency hospitalizations and treatments. It offers health insurance for senior citizens, along with add-on* covers such as Outpatient Treatment, Wellness and Preventive Healthcare and Maternity & New Born Baby Cover.
ICICI Lombard Complete Health Insurance covers various healthcare expenditures to ensure your family’s well-being for you to enjoy a secure, stress-free life. Avail Cashless Hospitalization, Floater Benefit, Lifelong Renewability, Tax- Benefit**, Free Health Check-up coupons, Emergency Ambulance Cover, In patient AYUSH Treatment (Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homeopathy), and Wellness Program.
- *Available on payment of additional premium
- **Tax disclaimer: Deduction under section 80D is as per applicable provisions of the Income Tax Act, 1961 and amendments made thereto
All the benefits mentioned here are indicative, for complete and detailed information on features, terms and conditions kindly read policy wordings carefully.
Explore our simple, hassle-free claims process
-
Cashless Claims
STEP 1
Get admitted in any one of the network hospitals
STEP 2
Send us a fax of your pre-authorisation form and relevant documents
STEP 3
Our ICICI Lombard Health Care team reviews the claim and accepts, rejects or raises a query
STEP 4
Your claim is settled by the ICICI Lombard Health Care team
-
Reimbursement Claims
STEP 1
Upon discharge, pay all hospital bills and collect all original documents of treatments and expenses undergone
STEP 2
Mail the duly filled (and signed by insured and treating doctor) claim form and required documents to your service provider (ICICI Lombard Health Care or TPA)
STEP 3
ICICI Lombard Health Care reviews your claim request and accordingly will approve, query or reject the same (as per policy terms and conditions)
STEP 4
ICICI Lombard Health Care team settles the claim (as per policy terms and conditions) and reimburses the approved amount
-
Other Third Party Administrator Claims – Cashless
STEP 1
Get admitted in any one of the TPAs network hospitals
STEP 2
Fax the pre-authorisation form along with relevant documents (investigation reports, previous consultation papers, cashless ID, photo ID)
STEP 3
Your service provider reviews your claim request and accordingly will approve, query or reject the same
STEP 4
Your service provider settles the claim (as per policy terms and conditions) with the hospital after completion of all formalities
-
Other Third Party Administrator Claims – Reimbursement
STEP 1
Upon discharge, pay all hospital bills and collect all original documents of treatments and expenses undergone
STEP 2
Mail the duly filled (and signed by insured and treating doctor) claim form and required documents to your service provider (TPA)
STEP 3
Your service provider reviews your claim request and accordingly will approve, query or reject the same
STEP 4
Your service provider settles the claim (as per policy terms and conditions) and reimburses the approved amount
NOTE:
- Cashless facility is only available at our cashless network hospitals
- In case of planned hospitalisation, contact your service provider two days prior to admission
- In case of emergency hospitalisation, contact your service provider within 24 hours of hospitalisation
- For intimating the claim, please call our 24x7 toll free number 1800 2666 or SMS ‘HEALTHCLAIM’ to 575758 (charge – ₹3 per SMS) or email us at ihealthcare@icicilombard.com
- Please send the relevant documents to: ICICI Lombard Health Care, ICICI Bank Tower, Plot No. 12, Financial District, Nanakramguda, Gachibowli, Hyderabad - 500 032
Standard Payments & Deductions
Payments include:
- Accommodation charges - room rent (as per eligibility)
- ICU charges (wherever applicable)
- Treating doctor fees (e.g. - surgeon charges, visit fees, consultation fees, etc.)
- Nursing charges
- Anesthesia & anesthetist charges
- Operation theatre charges (wherever applicable)
- Investigation charges
- Pharmacy bills
- Consumables
- Implant(s) charges (wherever applicable) – e.g. stents, lens, etc.
Deductions include:
- Ambulance charges (unless specified in policy)
- Administration charges
- Admission / registration fees, file / records Management charges
- Service / surcharges
- Bed booking / reserving charges
- Food & beverages
- Soaps,toiletries & laundry
- Patients’ attendant charges
- Special nurse / attendant charges
- Telephone / photocopy / courier / insurance processing fees, etc
- FIR / MLC charges
- Others (non-insurance, items not related to treatment)
- All Items mentioned as exclusions in the policy
Claims Dos & Don'ts
- Make sure to fill up the correct mobile number in the pre-authorisation form
- Non-payable items and co-payment charges have to be borne by the insured
- In case of cashless denial, the insured has to pay the hospitalisation expenses
- In case of planned surgery, send the pre-authorisation form in advance(but not before 15 days from the admission date)
- All claims to be submitted within 21 days from the Date of Discharge (DOD)
- Post hospitalisation claims may be submitted within 81 (60 + 21) days from Date Of Discharge
- Use the website to access the claims tracker, network hospital list, e-card and various other information and services
- Do not refer network list of any other service provider
- Do not submit the claim documents at any local ICICI Lombard office
- Always keep a photocopy of the claim documents submitted to ICICI Lombard
- All claim forms should be duly and completely filled
Status Descriptions
Claims may be Approved or Rejected or Queried:
Approved Cases - Settlement letter and the cheque in favour of the proposer is sent to the mailing address mentioning approved and disallowed amount and reasons.
Queried Cases - Query letter is sent to the insured requesting submission of additional documents/information. Two query reminders are also sent within a span of 15 days each; failure to revert within 45 days of initial query leads to closure of the claim. Closure of a claim is not equivalent to rejection. Closed cases may be reopened if adequate documents are provided.
Rejected Cases - Rejection letter is sent to the insured mentioning sufficient grounds as per the terms and conditions of the policy.
Required Documents
- Duly filled claim form (signed by the insured and the treating doctor)
- Discharge summary (with details of complaints and the treatment availed)
- Final hospital bill (detailed breakup) along with interim bills
- Payment receipts
- Doctor’s consultation papers
- All investigation reports (e.g. blood report, X-ray, sonography, MRI, etc.)
- All pharmacy bills supported by doctor's prescriptions
- Implant sticker / invoice, if used (e.g. Lens details in cataract case, stent details in angioplasty)
- Medico legal certificate (MLC) and / or FIR for all accident cases
- For miscellaneous charges - detailed bills with supporting prescription of the treating doctor
- Copy of health card
- Any other related documents
Note: All documents should be original
Required Documents
- Duly filled claim form (signed by the insured and the treating doctor)
- Discharge summary (with details of complaints and the treatment availed
- Final hospital bill (detailed breakup) along with interim bills
- Payment receipts
- Doctor's consultation papers
- All investigation reports (e.g. blood report, X-ray, Sonography, MRI, etc.)
- All pharmacy bills supported by doctor's prescriptions
- Implant sticker / invoice, if used (e.g. lens details in cataract case, stent details in angioplasty)
- Medico legal certificate (MLC) and / or FIR for all accident cases
- For miscellaneous charges - detailed bills with supporting prescription of the treating doctor
- Copy of health card
- Any other related documents
Note: All documents should be original
Status Descriptions
Claims may be Approved or Rejected or Queried:
Approved Cases - Settlement letter and the cheque in favour of the proposer is sent to the mailing address mentioning approved and disallowed amount and reasons.
Queried Cases - Query letter is sent to the insured requesting submission of additional documents/information. Two query reminders are also sent within a span of 15 days each; failure to revert within 45 days of initial query leads to closure of the claim. Closure of a claim is not equivalent to rejection. Closed cases may be reopened if adequate documents are provided.
Rejected Cases - Rejection letter is sent to the insured mentioning sufficient grounds as per the terms and conditions of the policy.
Claims Dos and Don'ts
- Make sure to fill the correct mobile number in the pre-authorisation form
- Non-payable items have to be borne by the insured
- In case of cashless denial, the insured has to pay the hospitalisation expenses
- In case of planned surgery, send the pre-authorisation form in advance(but not before 15 days from the admission date)
- All claims to be submitted within 21 days from the date of discharge (DOD)
- Post hospitalisation claims may be submitted within 81 (60 + 21) days from Date Of Discharge
- Use the website to access the claims tracker, network hospital list, e-card and various other information and services
- Do not refer network list of any other service provider
- Do not submit the claim documents at any local ICICI Lombard GIC Ltd. office
- Always keep a photocopy of the claim documents submitted to ICICI Lombard GIC Ltd.
- All claim forms should be duly and completely filled
Standard Payments and Exclusions
Payments include:
- Accommodation charges - room rent (as per eligibility)
- ICU charges (wherever applicable)
- Treating doctor fees (e.g. - surgeon charges, visit fees, consultation fees, etc.)
- Nursing charges
- Anesthesia and anesthetist charges
- Operation theatre charges (wherever applicable)
- Investigation charges
- Pharmacy bills
- Consumables
- Implant(s) charges (wherever applicable) - e.g. stents, lens, etc.
Exclusions:
- Ambulance charges (unless specified in policy)
- Administration charges
- Admission / registration fees, file / records management charges
- Service / surcharges
- Bed booking / reserving charges
- Food and beverages
- Soaps, toiletries and laundry
- Patients’ attendant charges
- Special nurse / attendant charges
- Telephone / photocopy / courier / insurance processing fees, etc.
- FIR / MLC charges
- Others (non-insurance, items not related to treatment)
- All Items mentioned as exclusions in the policy
Required Documents
- Duly filled claim form (signed by the insured and the treating doctor)
- Discharge summary (with details of complaints and the treatment availed
- Final hospital bill (detailed break-up) along with interim bills
- Payment receipts
- Doctor’s consultation papers
- All investigation reports (e.g. blood report, X-ray, sonography, MRI, etc.)
- All pharmacy bills supported by doctor's prescriptions
- Implant sticker / invoice, if used (e.g. lens details in cataract case, stent details in angioplasty)
- Medico legal certificate (MLC) and / or FIR for all accident cases
- For miscellaneous charges - detailed bills with supporting prescription of the treating doctor
- Copy of health card
- Any other related documents
Note: All documents should be original
Status Descriptions
Claims may be Approved or Rejected or Queried:
Approved Cases - Settlement letter and the cheque in favour of the proposer is sent to the mailing address mentioning approved and disallowed amount and reasons.
Queried Cases - Query letter is sent to the insured requesting submission of additional documents/information. Two query reminders are also sent within a span of 15 days each; failure to revert within 45 days of initial query leads to closure of the claim. Closure of a claim is not equivalent to rejection. Closed cases may be reopened if adequate documents are provided.
Rejected Cases - Rejection letter is sent to the insured mentioning sufficient grounds as per the terms and conditions of the policy. Note: All documents should be original
Claims Dos and Don'ts
- Make sure to fill up the correct mobile number in pre-authorisation form
- Non-payable items and co-payment charges have to be borne by the insured
- In case of cashless denial, the insured has to pay the hospitalisation expenses
- In case of planned surgery, send the pre-authorisation form in advance (but not before 15 days from the admission date)
- All claims to be submitted within 21 days from the date of discharge (DOD)
- Post-hospitalisation claims may be submitted within 81 (60 + 21) days from date of discharge
- Use the website to access the claims tracker, network hospital list, e-card and various
- other information and services
- Do not refer network list of any other service provider
- Do not submit the claim documents at any local ICICI Lombard office
- Always keep a photocopy of the claim documents submitted to ICICI Lombard
- All claim forms should be duly and completely filled
Standard Payments & Exclusions
Payments include:
- Accommodation charges - room rent (as per eligibility)
- ICU charges (wherever applicable)
- Treating doctor fees (e.g. - surgeon charges, visit fees, consultation fees, etc.)
- Nursing charges
- Anesthesia and anesthetist charges
- Operation theatre charges (wherever applicable)
- Investigation charges
- Pharmacy bills
- Consumables
- Implant(s) charges (wherever applicable) – e.g. stents, lens, etc.
Exclusions:
- Ambulance charges (unless specified in the policy)
- Administration charges
- Admission / registration fees, file / records management charges
- Service / surcharges
- Bed booking / reserving charges
- Food and beverages
- Soaps, toiletries and laundry
- Patients’ attendant charges
- Special nurse / attendant charges
- Telephone / photocopy / courier / insurance processing fees, etc.
- FIR / MLC charges
- Others (non-insurance, items not related to treatment)
- All items mentioned as exclusions in the policy
Required Documents
- Duly filled claim form (signed by the insured and the treating doctor)
- Discharge summary (with details of complaints and the treatment availed
- Final hospital bill (detailed breakup) along with interim bills
- Payment receipts
- Doctor’s consultation papers
- All investigation reports (e.g. Blood report, X-ray, sonography, MRI, etc.)
- All pharmacy bills supported by doctor's prescriptions
- Implant sticker / invoice, if used (e.g. lens details in cataract case, stent details in angioplasty)
- Medico legal certificate (MLC) and / or FIR for all accident cases
- For miscellaneous charges - detailed bills with supporting prescription of the treating doctor
- Copy of health card
- Any other related documents
Note: All documents should be original
Status Descriptions
Claims may be Approved or Rejected or Queried:
Approved Cases - Settlement letter and the cheque in favour of the proposer is sent to the mailing address mentioning approved and disallowed amount and reasons.
Queried Cases - Query letter is sent to the insured requesting submission of additional documents/information. Two query reminders are also sent within a span of 15 days each; failure to revert within 45 days of initial query leads to closure of the claim. Closure of a claim is not equivalent to rejection. Closed cases may be reopened if adequate documents are provided.
Rejected Cases - Rejection letter is sent to the insured mentioning sufficient grounds as per the terms and conditions of the policy.
Claims Dos and Don'ts
- Make sure to fill up the correct mobile number in the pre-authorisation form
- Non-payable items have to be borne by the insured
- In case of cashless denial, the insured has to pay the hospitalisation expenses
- In case of planned surgery, send the pre-authorisation form in advance (but not before 15 days from the admission date)
- All claims to be submitted within 21 days from the date of discharge (DOD)
- Post hospitalisation claims may be submitted within 81 (60 + 21) days from date of discharge
- Use the website to access the claims tracker, network hospital list, e-card and various other information and services
- Do not refer network list of any other service provider
- Do not submit the claim documents at any local ICICI Lombard GIC Ltd. office
- Always keep a photocopy of the claim documents submitted to ICICI Lombard GIC Ltd.
- All claim forms should be duly and completely filled
Standard Payments & Exclusions
Payments include:
- Accommodation charges - room rent (as per eligibility)
- ICU charges (wherever applicable)
- Treating doctor fees (e.g. - surgeon charges, visit fees, consultation fees, etc.)
- Nursing charges
- Anesthesia & anesthetist charges
- Operation theatre charges (wherever applicable)
- Investigation charges
- Pharmacy bills
- Consumables
- Implant(s) charges (wherever applicable) – e.g. stents, lens, etc.
Exclusions include:
- Ambulance charges (unless specified in policy)
- Administration charges
- Admission / registration fees, file / records management charges
- Service / surcharges
- Bed booking / reserving charges
- Food & beverages
- Soaps,toiletries & laundry
- Patients’ attendant charges
- Special nurse / attendant charges
- Telephone / photocopy / courier / insurance processing fees, etc
- FIR / MLC charges
- Others (non-insurance, items not related to treatment)
- All Items mentioned as exclusions in the policy
Get answers to common queries about complete health insurance
What do you mean by annual sum insured?
What do you mean by waiting period?
The duration only after which a claim can be made is called the waiting period.
If I increase my policy Sum Insured at the time of renewal, do any waiting periods apply?
What do you mean by pre-existing disease?
Any condition, aliment or injury or related condition(s), for which you had signs or symptoms and/or were diagnosed and/or received medical advice/treatment within 48/24* months prior to the first policy with the insurance company is called a pre-existing disease. (*as per selected plan)
What are the covers offered under Basic Hospitalisation?
It refers to payment of the in-patient hospitalisation expenses such as boarding and nursing expenses, intensive care unit charges, surgeon’s/doctor’s fee, anesthesia, blood, oxygen, operation theatre charges etc. that you would incur during hospitalisation for a minimum period of 24 consecutive hours.
What are the covers offered under Day Care Surgeries/Treatments?
It refers to payment of the Medical Expenses that you would incur while undergoing Specified Day Care Procedures/Treatment (as mentioned in the Day Care Surgeries list), which require less than 24 hours hospitalisation.
What are the covers offered under Pre and Post Hospitalisation Expenses?
It refers to payment of the Medical Expenses that you might incur immediately 30 days before and 60 days after hospitalisation.
What are the covers offered under Critical Illness?
It refers to payment of a fixed amount (up to Sum Insured) upon diagnosis of covered major illnesses and mentioned medical procedures.
Covers offered under critical illness/medical procedures are Cancer, Coronary, Artery By-pass graft surgery, Myocardial Infarction (Heart Attack), End Stage Renal Failure, Major Organ Transplant, Stroke, Paralysis, Heart Valve Replacement Surgery and Kidney failure.
What parameters are considered for calculating the premium?
- Cover opted (Individual / Floater)
- Age of senior most member
- Sum Insured selected
- Sub limit (if selected)
- Optional covers (add-ons chosen)
What is the procedure for reimbursement settlement?
All the claims have to be intimated 48 hours prior to hospitalisation and within 24 hours post admission in case of emergency
- Intimate claim by sending SMS 'HEALTHCLAIM' to 575758 (charge – 3 per SMS) or calling our toll free number 18002666 or email us at ihealthcare@icicilombard.com
- Send your duly filled (and signed by you as well as your treating doctor) claim form and required documents to us
- We will review your claim request (as per policy terms and conditions)
- On approval, we will settle your claim (as per policy terms and conditions) and reimburse the approved amount to you
What is the process for claim?
The claim process involves 3 steps
- Claim Intimation
- Claim Processing
- Claim Payment/Closure
Claim can be intimated through various modes:
- Call Center
- Walk in
- Fax
- Letter
- SMS
What are the steps for cash settlement
Only available at network hospitals. Pre-authorisation request to be made at least 48 hours before a planned hospitalisation and within 24 hours of emergency hospitalisation Steps involved
- Admission in network hospital
- Fax the pre-authorisation form along with relevant documents (Investigation reports, Previous consultation papers if any, Cashless ID, Photo ID)
- We review your claim request (as per policy terms and conditions)
- On approval, we settle your claim (as per policy terms and conditions) with the hospital after completion of all formalities
Who should be contacted to make a claim?
The ICICI Lombard claims management team or customer service should be contacted.
What if I want to renew my health insurance policy after one year?
We will be sending you a renewal notice informing you of the expiry of your health policy via courier.
What is a Health Card?
A Health Card is a card that you get along with your policy. It is similar to an identity card. This card entitles you to avail cashless hospitalisation at any of our network hospitals.
How does a Health Card function in case of a 2-year (auto renewal) policy?
In case of a 2-year (auto renewal) policy, you will be issued a single card, which will be valid for the entire policy period. The health card need not be renewed or re-issued during the policy tenure.
What are the benefits of a health card?
A health card mentions the contact details and the contact numbers of the Third Party Administrator (TPA). In case of a medical emergency, you can call on these numbers for queries, clarifications and for seeking any kind of assistance.
Moreover, you need to display your health card at the time of admission into the hospital.
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Listen to our customers
ICICI Lombard General Insurance Ltd. is one of the largest private sector general insurance company in India offering insurance coverage for motor, health, travel, home, student travel and more. Policies can be purchased and renewed online as well. Immediate issuance of policy copy online.
ICICI trade logo displayed above belongs to ICICI Bank and is used by ICICI Lombard GIC Ltd. under license and Lombard logo belongs to ICICI Lombard GIC Ltd assigned by Northbridge Financial Corporation solely for the territory of India. Insurance is the subject matter of the solicitation. The advertisement contains only an indication of cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. ICICI Lombard General Insurance Company Limited, ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400025. Reg. No.115. Fax no - 022 61961323. CIN: L67200MH2000PLC129408.