Supplement your Health Insurance with the Health Booster Cover
Secure yourself from surging medical costs and unexpected health issues with the Super Top-Up Health Booster cover. Because your health deserves more!
7 reasons to buy ICICI Lombard Health Booster
What is deductible?
Deductible is a cost-sharing requirement under a health insurance Policy that provides that the insurer will not be liable for a specified rupee amount in case of indemnity policies and for a specified number of days/hours in case of hospital cash policies which will apply before any benefits are payable by the insurer. A deductible does not reduce the sum insured.
You can redeem the wellness points earned through the below mentioned activities for OPD benefits at any of our network hospitals:
Wellness Points:
- Gym/Yoga membership for 1 year - 2,500
- Participation in events like marathon/cyclathon etc. - 2,500
- Preventive risk assessment - 500 points per test
- Use free health check-up coupons - 1000
- Online HRA surveys - 250
*Each wellness point will be equivalent to ₹0.25
What is reset benefit?
For plans with deductible of ₹3 lakhs and above, we shall 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 due to previous claims in that policy year.
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.
a) For reimbursement claims: We shall make the payment of admissible claim (as per terms and conditions of the 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."
Healthcare in India
Fitness and technology are now intrinsically connected, technology aiding a healthier lifestyle is fast gaining momentum in India.
See MoreUnderstand your Health Booster policy coverage
Your policy covers:
- In-patient treatment: Medical expenses for hospitalisation as an in-patient for a minimum period of 24 consecutive hours
- Day care treatments: 150 medical expenses incurred by you while undergoing specified day care treatment (as mentioned in the day care surgeries list), which require less than 24 hours hospitalisation
- In-patient AYUSH treatment: Expenses for Ayurveda, Unani, Siddha and Homeopathy (AYUSH) treatment only when the treatment 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
- Donor expenses: Hospitalisation expenses, as incurred by the organ donor for undergoing organ transplant surgery for your use, are covered up to sum insured
- Pre and post hospitalisation: Medical expenses incurred by you, immediately up to 60 days before and up to 90 days after your hospitalisation covered up to sum insured
- Domestic road emergency ambulance cover: The reasonable and actual expenses up to 1% of your sum insured, maximum up to ₹5,000 per event, incurred by you on availing ambulance services offered by a hospital/ambulance service provider in an emergency condition
- Relationships covered: Self, spouse, dependent children, brother, sister, dependent parent, grandparents, grandchildren, mother-in-law, father-in-law, son-in-law, daughter-in-law, dependent brother-in-law and dependent sister-in-law
- Wide range of annual Sum Insured (5 lakhs to 50 lakhs) and flexible deductible options (3,4,5 lakhs) to suit your needs
- Individual and Floater cover for the family
- Lifetime renewability
- Policy Period: Available in one, two or three year policy period options(10%, 12.5% discount on 2yrs, 3yrs policy)
- Floater option: Covering up to 2 Adults and 3 Children in a single policy
- Eligibility: This policy can be offered to an individual with minimum age of 6 years under an individual policy. However children aged 3 months to 5 years can be insured under a floater plan only. No restriction on maximum entry age
- Pre-existing diseases: Pre-existing diseases will be covered immediately after 2 years of continuous coverage under the policy since the issuance of the first policy. The waiting period will be adjusted by the number of years the insured has spent in the base policy
- Tax Benefit: Avail tax saving benefit on premium paid under health section of this policy, as per section 80D of Income Tax act, 1961 and amendments made thereafter
- Cashless Hospitalisation: Avail cashless hospitalisation at any of our network providers/hospitals. List of these providers/hospitals is available on our website
- Pre-policy medical checkup: No medical tests will be required for insurance cover below the age of 46 years and upto sum insured of ₹10 Lakhs
- Free look period: Policy can be cancelled by giving a written notice within 15 days of receipt.
- Domiciliary Hospitalisation Cover: Medical expenses incurred by you during your domiciliary hospitalisation upto sum insured
- Reset Benefit: For plans with deductible of ₹3 lakhs and above, we shall 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 due to previous claims in that policy year
- Wellness Program: Wellness program intends to promote, incentivize and reward you for your healthy behavior through various wellness services.
- Claim Service Guarantee: Get a quick response for cashless claims in 4 hours and reimbursement claims in 14 days
- Enjoy tax benefits: Now have fun with the tax deduction benefits on the premium paid for you, spouse and dependent children
Optional add-on covers:
OPTIONAL COVER 1
Hospital Daily Cash: We shall pay a fixed amount of 1,000 (as per Silver option) for each and every completed day of hospitalisation, if such hospitalisation is at least for a minimum of 3 consecutive days and subject to a maximum of 30 consecutive days per policy year.
Read MoreRead less
Your policy does not cover
Deductibles
We shall not be liable for the deductible amount as specified against the plan opted. We are not liable for any payment unless the hospitalisation medical expenses exceed the deductible. No deductible shall be applicable for optional covers.
Read MoreRead less
Health Booster
IRDAI/HLT/ICICI/P-H/V.I/31/15-16
Misc 140
Check your eligibility for Health Booster
- If you are above 18 years of age, you can buy the Health Booster 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 45 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
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 Health Booster
What do you understand by the term pre-existing disease?
Pre-existing Disease means any condition, ailment 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 months prior to the first policy issued by the insurer.
What do you mean by co-payment?
Co-payment refers to the amount expected to be paid by you for medical services covered by the plan.
What do you mean by immediate relatives?
An immediate relative would mean your spouse, dependent children and dependent parents.
What tax benefit do I get for making premium payments?
The premium you pay for yourself, your spouse, your dependent children and dependent parents, up to the limit of Rs. 25,000 (Rs. 30,000 for those aged 60 years or more), excluding service tax and education cess, is eligible for deduction under section 80D. This deduction is eligible under the prevailing tax laws, which are subject to change as per change in tax laws.
What does my Health Booster policy cover?
Health Booster offers varying degrees of coverage. Please refer to the Key information sheet in this booklet to learn more about your policy coverage.
What is Deductible?
It is the amount over which Health Booster gets activated. Any claim under deductible amount will not be reimbursed under this policy. A deductible does not reduce the Sum Insured.
What is the difference between Top Up & Super Top Up?
For Top Up Plan, Deductible will apply for each and every hospitalization except for claims made for Any one illness. In case of an accident where more than one member of a family is hospitalized, deductible will apply on the aggregate claim amount.
For Super Top Up Plan, Deductible will apply on aggregate basis for all hospitalization expenses during the policy year. The deductible will apply on individual basis in case of individual policy and on floater basis in case of floater policy
What are the limits for Pre and Post Hospitalization Expenses?
IIt refers to the payment of the medical expenses incurred by you immediately 60 days before and 90 days after hospitalization.
What is Wellness Program?
Wellness Program intends to promote, incentivize and reward you for your healthy behavior through various wellness services. Also, undergoing various wellness activities makes you earn wellness points which will be tracked by us. You can later redeem these wellness points as per our redemption terms and conditions.
What all benefits do I get from wellness program?
Other than reward points that you can redeem, you will also be entitled for various wellness services like medical advice, dietician & nutritional counseling, free health check-ups, medical concierge services etc.
What do you mean by premium?
The amount paid to avail the covers in the policy is called premium.
Will the premium be the same when I renew my policy?
Your premium depends on your age and the extent of coverage you have opted for in your policy.
- If you move to a higher age band at the time of renewal, the premium will change as per new age band. In case of an individual policy, the age of individual is checked. For floater policies, age of the senior most member is considered.
- If, at the time of renewal, you upgrade your product to a higher sum insured, add on covers or make changes to the number of people covered, your premium will change.
How can I file a claim?
If you need to make a claim, you must intimate us in any of the following ways:
A) Call us at our 24*7 customer care toll free number 1800 2666
B) Text message HEALTHCLAIM to 575758 (charged at Rs. 3 per SMS)
C) Email us at ihealthcare@icicilombard.com
Do ensure that you intimate us of a planned hospitalization at least 48 hours before admission. In the case of an emergency, we must also be informed within 24 hours of admission. You can download claims forms from our website - www.icicilombard.com
How can I track my claim for current claim status details?
Once a claim is submitted, its status can be tracked on our website. You can log in to your personal section on our website - www.icicilombard.com - and check for the claim status.
How soon can I file a hospitalization claim on my policy?
A) There is a waiting period of 30 days from the start of the first time you buy the policy before which a claim cannot be made for any illness, except for hospitalization due to injury or accident.
B) Apart from this, there are some illnesses for which you cannot make a claim for the first 2 years (refer to Part 2 of the policy wordings for this list).
C) Additionally, in the case of claims relating to pre-existing illnesses, you cannot make a claim for first 2 years.
What is the difference between a cashless and a reimbursement claim?
Cashless and reimbursement are two different ways to settle a claim:
A) Cashless claim is a claim where we pay the agreed claim amount directly to the hospital. You need not to pay the hospital for the claim amount. You are required to inform us about the procedure or treatment and send us all the related paper work.
B) Reimbursement claim is a claim where you settle the bill with the hospital and then send us the relevant documents. We will reimburse you for the agreed claim amount.
How can I renew my policy?
You can renew your policy either by paying the renewal premium online or by calling us at our toll free number 1800 2666. Alternatively, you may also visit your closest ICICI Lombard branch.
What is the procedure for increasing the Sum Insured (SI) at the time of renewing the policy?
Sum insured can be increased at the time of renewing the policy either online or by visiting our branch. It is important to note that fresh waiting period will be applicable to enhanced SI from the date of enhancement, but not to the base sum insured.
Can I add or remove family members from this policy?
Yes, you can add family members to your policy at any time by paying additional premium as applicable. However, removal can be done only at the time of renewal. The additions cannot increase the policy limit to more than 2 adults and 3 children. In the case of an individual policy, the insured cannot be replaced by any other person. Please note that fresh waiting period will be applicable to the person added.
I had not declared a pre-existing disease when I had bought the policy earlier. Can I do so now? What is the impact on my policy?
Any pre existing disease (PED) not declared at the time of policy inception will be considered as non disclosure of the material facts and may lead to policy cancellation. To avoid this, all material facts related to PEDs should be declared before the policy issuance. However, should you need to declare any PED after policy issuance, please visit our branch office. The acceptance of the PED will be subject to our underwriting guidelines.
Reviews and Ratings
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.