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Group health insurance

  • Group health insurance Exclusively crafted health plans for your employees
  • Group health insurance Simple, affordable, and customized insurance
  • 40,000 +

    Policies issued

  • 1.8 Cr +

    Lives insured

  • 99.49%

    Claims settled

As on December 31, 2023

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Group health insurance
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What is group health insurance?

Group health insurance, as the name suggests, offers coverage to a group of people. It generally covers employees of a company or members. A group health insurance policy plays a vital role in ensuring employees' well-being by offering financial protection against medical expenses.

Affordability is a significant benefit of group health insurance. The premium of group health plans tends to be lower than individual health insurance plans. This makes it a cost-effective option for both employers and employees.

Group health insurance plans generally offer extensive coverage for various medical expenses. This includes hospitalisation, surgeries, medications and even post-hospitalisation expenses for certain days. Some plans may also offer coverage for outpatient treatments.

Group health insurance has no pre-existing condition exclusions. Unlike individual health plans that may impose waiting periods or exclusions for pre-existing conditions up to a certain number of years, group policies usually cover all employees regardless of their health history. With this, employees with pre-existing health ailments can have hassle-free access to the healthcare they need.

Many companies offer group health insurance as part of their employee benefits package. They bear the premium for this policy. This not only reduces the financial burden on employees but also demonstrates the employer's commitment to their well-being.

Employers buy group health insurance plans depending on the number of employees. At ICICI Lombard, we offer a simple, affordable, and customised group health insurance plan for your employees.

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Group health insurance

Why is group health insurance important
for employers and employees?

Here's how a group health insurance policy benefits employers and employee:

  • Group health insurance Group health insurance For Employers
  • Group health insurance Group health insurance For Employees

  • Cost-effective coverage

    Group health medical insurance plans generally command lower premiums than individual plans. This is because risk is distributed across a broader pool of employees. This makes a group health insurance policy cost-effective for employers, especially for small and medium-sized companies.

  • Tax Benefits

    Contributions towards corporate health insurance premiums qualify for tax deduction under section 37(1) of the Income Tax Act. This results in a substantial reduction in your tax liability.

  • Extensive coverage

    Many group health insurance plans offer extensive coverage to you and your family. This ensures access to vital healthcare services without significant out-of-pocket expenses.

  • No waiting period

    With corporate health insurance, there is no waiting period. The coverage starts as soon as you enroll. It ensures you do not have to bear hospitalisation expenses for certain conditions personally.

  • Coverage for family at zero cost

    With a group health insurance policy, you can extend coverage to your entire family hassle-free. This weeds out the need to purchase separate policies for each family member, leading to significant cost savings.

  • Preventive care services

    Several group health insurance plans offer coverage for preventive care services at little to no cost. This encourages employees to actively maintain their health and well-being. It reduces the likelihood of more serious health ailments in the future.

Who should buy group health insurance?

It is vital for organisations of all sizes, ranging from small, medium-sized enterprises to large corporations.

Group health insurance

Small businesses

Group health insurance can offer multiple benefits for small businesses with approximately 20 to 50 employees. These companies often have limited resources. They may not have the financial flexibility to provide extensive health benefits to their employees. Group health insurance for small businesses allows them to offer cost-effective health solutions to their employees. This helps them attract and retain the best talent by providing valuable healthcare benefits that go a long way in boosting employee satisfaction and loyalty.

Group health insurance

Medium businesses

Medium-sized firms with around 250 employees also benefit significantly from corporate health insurance. While they generally have more resources than small businesses, they still face similar challenges when providing competitive benefits packages to employees. Group insurance policy enables them to provide robust healthcare coverage without incurring high costs.

Group health insurance

Large businesses

Large businesses are companies that have with more than 250 employees. Though they have greater financial muscle for employee benefits, group mediclaim policy is an essential cog in the wheel of their benefits package. They often use it as part of their broader employee wellness initiatives to promote a healthy workforce. This policy goes a long way in helping them scale their business and evolve as a dominant player. After all, a healthy workforce is imperative for an organisation’s growth and sustainability.

 

Features of ICICI Lombard’s group health insurance policy

With our group medical insurance policy, you get the following benefits:

Group health insurance

10,200+ network hospitals

We have 10,200+ network hospitals across India where your employees can get cashless treatment. We have tied up with leading health institutions across India. Whether your employees reside in urban centers or remote locations, they are likely to find flexibility to provide extensive health benefits to their employees.

Group health insurance

Tele consultations

This is another significant benefit of our group health insurance policy. We offer unlimited general physical consultations for routine health issues by a qualified doctor. Your employees can avail of this facility by dialling +91 124 4498757. challenges when providing competitive benefits packages to employees. Group health insurance enables them to provide robust healthcare coverage without incurring high costs.

Group health insurance

Health assistance services

Our group health insurance policy goes beyond covering medical expenses by offering health assistance services. This service supports you in all your health-related needs. Whether searching for a specialist, scheduling an appointment with essential cog in the wheel of their benefits package. They often use it as part of their broader employee wellness initiatives to promote a healthy workforce. This policy goes a long way in helping them scale their business and evolve as a dominant player. After all, a healthy workforce is imperative for an organisation’s growth and sustainability.

 
Group health insurance

In-house claims processing

One of the standout features of our group medical insurance policy is the provision for cashless settlement. By seeking treatment at our network of hospitals, your employees can avail the necessary medical services immediately without having to depend on any third-party administrator.

Group health insurance

Wellness programmes

Our group medical insurance policy allows your workforce to choose a range of wellness plans to suit their needs. These plans promote proactive health management and focus on preventive care and overall well-being.

Read more

What is covered under a group health insurance policy?

Our group health insurance provides coverage for the following.

1

Pre and post-hospitalisation

Our group health insurance policy covers pre and post-hospitalisation expenses. This means not only the costs of your hospital stay are covered, but also the expenses you bear before and after your hospital visit.

2

Pre-existing diseases

Group health insurance coverage for pre-existing diseases ensures your employees with prior health issues aren't left unprotected. It offers peace of mind and fosters a sense of security within the workforce. They feel reassured knowing their health needs are addressed despite pre-existing ailments.

3

Maternity expenses

Our group health insurance policy offers coverage for maternity expenses to your employees. This is a significant benefit for those planning to start or expand their families. It covers pre and post-natal expenses and offers coverage to the baby from day one. This not only offers access to quality healthcare services but also eases financial strain.

4

In-patient department expenses

Our group health insurance plan provides comprehensive coverage for in-patient department expenses, including room charges, doctor's fees, medical tests, surgical procedures, medications administered, etc., during hospital stays. It safeguards your employees against high costs associated with hospitalisation, requiring a minimum of 24 hours' stay.

5

Ambulance charges

Our policy covers ambulance charges that can be significantly high. These charges depend on various factors, including distance travelled, type of ambulance, and level of medical care provided. Coverage for ambulance charges ensures well-rounded financial protection.

6

Day care expenses

Day care expenses are those for which your employees need to stay in hospitals. They are done within a few hours or less than a day. Costs associated with such treatments can be pretty high, and coverage for them ensures peace of mind and holistic healthcare.

Read more

Difference between group health insurance and individual health plan

The table captures the key differences between them on various parameters:

Aspect Group health insurance Individual health plan
Meaning Covers a group of people Covers an individual
Who is insured? Employees and their family Only the individual
Purchaser and premium payment Employers Individual
Control over plan Limited control Full control
Coverage for pre-existing diseases From day one Usually after a few months or years
No claims bonus Not available Available
Coverage duration As long as you are employed with the company Needs to be renewed yearly
Group health insurance

How to buy group health insurance policy from ICICI Lombard?

Follow these steps to purchase the policy:

  • Enter your corporate details here
  • Provide your mobile number, pin code, email ID and the name of your company
  • Click on 'Proceed To Buy'
  • Follow the instructions that appear to buy the policy

What is the claiming process for a group health insurance policy?

The claim process from a group health medical insurance plan is simple.

All you need to do is:

1

Inform the insurer promptly. Use the various channels of communication. The earlier you inform, the better it is.

2

Submit the claim form and the necessary documents, including copies of reports, bills, and discharge summaries.

3

The insurance company will process the claim based on the claim form, documents provided, and the policy's terms and conditions

Ensure you know your insurer's claims process after you buy the policy.

Group health insurance
Group health insurance

Buy group health insurance policy

Documents required for buying group health insurance policy

You need to provide certain basic and essential documents to buy a group health medical insurance. The common documents you need to provide are:

  • Address and Identity proof, which could include your voter's card, Aadhaar card, passport, driving licence, etc.
  • PAN card copy
  • Income proof, including IT returns of your business
  • Copy of business registration
  • Recent photographs (passport or stamp size)
  • Employee details

Check with the insurer regarding any additional documents that you need to provide. Make sure you provide all the documents requested by your insurer. Failure to do so can result in application rejection. Also, ensure that the documents are in proper condition where everything is legible.

ICICI Lombard Group Health Insurance Articles

How Group Health Insurance Covers Pre- Existing Conditions
How Group Health Insurance Covers Pre-Existing Conditions

Insurance companies in India offer a range of health plans to meet different customer requirements and pocket, and group health insurance is one of them. As the name suggests, this policy covers the medical bills of a group of people, such as the employees or members of an organisation. While a group health insurance policy offers wide coverage and many benefits to policyholders, coverage against pre-existing conditions is an important benefit it offers.

07 Jan, 2025
Top Reasons Employees Aren't Using Their Group Health Insurance
Top Reasons Employees Aren't Using Their Group Health Insurance

Group health insurance is one of the biggest benefits employers give to their employees, but shockingly, not enough employees take full advantage of it. So to protect their workforce, most employers put substantial investment into these plans, but the employees miss out on it for multiple reasons. Let’s look at why employees aren’t taking advantage of their group health insurance and what can be done to fix this, as well as the challenges ahead.

07 Jan, 2025
Strategies To Reduce Group Health Insurance Premiums
Strategies to Reduce Group Health Insurance Premiums

A company's group health insurance can be a complex undertaking for businesses of all sizes. With healthcare costs on the rise and employee needs changing, it's critical to find cost-effective ways to cut without sacrificing quality coverage. Ensuring that top talent is attracted and retained requires group health insurance, which often accounts for a substantial amount of a company's budget.

19 Sep, 2024
Read more articles

Frequently asked questions - Group health insurance policy

  • Generic
  • Cover
  • Premium
  • Claims
  • Policy

What is group health insurance?

Group medical insurance covers a group of people. It's typically offered by employers to their employees.

Which group health insurance is the best in India?

You need to consider various parameters before buying a group health coverage. Consider the insurer's claim settlement ratio, customisation options, sum insured offered, etc., before buying a plan.

Who can take group health insurance?

A business entity needs at least 10 employees to buy a group health insurance plan.

What is the maximum age for group health insurance?

The maximum age differs across plans. Several health insurance companies offer plans up to the age of 65 years.

Is COVID 19 covered under ICICI Lombard’s group health insurance policy?

Covid 19 is covered subject to minimum 24 hr of in-patient.

When should I get a group health insurance policy for my employees?

Employers can initiate a request for quotation of the Group Health Insurance policy for their employees at any point of time. The employer has to specify the coverage requirement and a quote shall be given to them.

Our workplace has only 10 to 15 members. can I still buy a group health insurance policy for them?

Who all can be covered in a group health insurance policy?

Group health insurance is categorised in 2 categories:
  • Employer-employee - Employees along with their spouse, children and parents are covered
  • Non-employer-employee – The enrolled are covered

How to get group health insurance for my small business?

Group Health Insurance can be bought through ICICI Lombard's Group health Insurance policy where we cover up to 500 lives. Premium is decided subject to coverage, demography and claim experience.

Can I have corporate health insurance and an individual health insurance policy both at same time?

Yes, you can you have corporate health insurance and individual health insurance at the same time.

What are the limitations of a group health insurance?

Group Health Insurance policy is customised and tailor made and the policies are designed as per the client’s requirements. Therefore, there are no limitations.

How is a group health insurance different from an individual health insurance?

Group Health Insurance is a collective insurance an organization buys for the benefit of its employees and employee’s dependents. The organization may tailor a plan or select a pre-planned insurance policy from an insurance company. Individual health insurance is one that an individual purchase for himself or their dependents.

What employers should look for when buying a group health insurance policy in india?

While buying the Group Health Insurance, the employer should take in consideration the coverage provided by the insurance company, the services offered and the company's claims process, this will make insurance policy buying more feasible and convenient.

Why should you take group health insurance for your employees?

While buying Group Health Insurance, employers should see the coverage provided by the insurance company, services offered and the company's claims process, this will make insurance policy buying more feasible and convenient.

Will I have to pay a penalty if I don’t provide health insurance to my employees?

There is no penalty.

Can the policy be transferred from one insurance provider to another provider without losing the benefits?

Yes, at the time of renewal of the policy for next tenure.
Read more

What is the initial waiting period for ICICI Lombard Group Health Insurance?

No waiting period

What is a waiting period?

Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered

What’s not covered in group health insurance provided by ICICI Lombard?

Treatment on trial/experimental basis and any device/instrument/machine contributing/replacing the function of an organ; Holter Monitoring are outside the scope of the policy.

What is covered in group health insurance by ICICI Lombard?

BASIC COVERAGE- HOSPITALIZATION
  • Any illness which requires a minimum 24 hrs of hospitalisation will be covered under group health insurance up to sum insured.
  • Apart from hospitalisation, any day care procedure which does not require minimum 24 hours of hospitalisation and are included in our standard Daycare list are covered. Refer to ICICI Lombard official website for day care list.
  • We have a sum insured ranging from 50,000 to 10 lakhs.
ADD ON
  • Maternity expense- which include pre-post-natal care of 30 and 60 days respectively and delivery expenses for 2 living children. Limit under maternity is customise as per customer requirement
  • Cost of Prescribed External Medical Aid- The Company will reimburse the charges incurred by the insured during the policy period on account of procuring medical prosthetic or artificial devices or any medical equipment including but not limited to hearing aids, spectacles, contact lenses.
  • Baby Day One- This add-on will cover medical expenses incurred on the “new born baby” only as an in-patient in hospital for a maximum period up to 91 days.
  • Critical illness cover-The Company will pay the sum insured for this add-on, in case Insured is diagnosed as suffering from one or more of the Critical Illnesses for the first time in life, during the Policy Period.
  • Corporate floater- A floater of fix amount (1L to 10L depending on customer requirements) will be provided to cover the medical expense over and above the SI.
  • Ambulance Cover- Ambulance charges would include transportation cost to the nearest hospital in case of life-threatening emergency conditions.
  • Health Check-up- The company by way of this add-on, will cover the cost of health check-up incurred by the Insured for medical examination undergone being a requirement from the employer. Such medical examinations are generally conducted to understand the health status of the employee.
  • Disease sublimit- By way of this add-on, the company can introduce sub-limits on certain diseases based on the claim experience and the requirement of the Insured. The limit is customise with respect to customer requirement
  • Domiciliary Hospitalisation- Due to unavailability of bed in nearby hospital or patient is not physically or medically fit to go to a hospital, can avail this add on for treatment at his home.
  • Room Rent, nursing charges, consultation fee, diagnostic fee etc- This add-on restricts the coverage for respective heads up to a specified amount. In cases, where the claim amount exceeds this amount, the entire admissible claim amount which includes various hospital bills etc, will be reduced in the proportion which the eligible room rent limit bears to the actual room rent.
  • Virtual OPD- Include Tele consultation and Video consultation
  • Wellness and Preventive care- By way of this add-on the insured can avail any or all of the below mentioned:
    1. Health Risk Assessment
    2. Health Check-up's (add-on of report evaluation service)
    3. Medical Centre Management
    4. Diet & Nutrition Plans
    5. Online Doctor Chat
    6. Health Camps - on campus
    7. Expert Sessions - on campus
    8. Second Opinions: Domestic and International markets
    9. Discounted offerings - on health and wellness services ( Eg Gyms, Diagnostic)
    10. Disease Management Programs: Eg Diabetes, Healthy Heart
    11. PHR - Personalized Health Records
    12. Health & Wellness Reminder Services
    13. Health Concierge Desk
    14. Others

The limit under Add on can be customized

What is room rent capping in group health insurance (group mediclaim)?

Room rent can range from 1% of the sum insured to actuals for normal and ICU. The room rent charge depends on what the employee wants to opt for.

What is a pre-existing disease? are pre-existing diseases covered in standard health insurance?

Pre-existing disease is covered under the Group Health Insurance. The term ‘Pre-existing Disease’ means any condition, ailment or injury or illness or related condition (s) for which the insured had developed signs or symptoms, and/or were diagnosed and/or received medical advice/treatment, within 48 months prior to the first Policy with the company.

What is “health check-up” facility?

Health check-up facility is provided from the vast network hospitals across multiple locations in India.

What is maternity benefit coverage under the group health insurance?

Maternity Benefit covers the pre and post-natal expenses. It covers the pre (30 days) and post (60 days) hospitalisation and delivery expenses. The monetary limit is customised depending on the requirement of the employer.

Is abortion covered under the group health policy?

Abortion is covered, subject to prescription from doctor & under a critical condition during pregnancy. Voluntary abortion is not covered under the policy.

Does the policy provide coverage to a new born baby under maternity coverage?

NNew born babies can be covered under the policy if the add-on cover is opted for. This addon cover includes hospitalisation expense of new born baby from day 1 up to full sum insured or maternity limit.

Is congenital disease covered under the group health insurance?

Internal congenital is covered under the policy. External congeniality is covered only in life threatening situations subject to a minimum of 24 hours of hospitalisation.

Is treatment through AYUSH Medicine covered under the policy?

Yes, subject to minimum 24 hours of hospitalisation on in-patient (IPD) basis and is covered only in government recognized AYUSH hospital.

Do I have to undergo medical tests to avail this health cover?

Medical tests are not required to avail Group Health Insurance.

Is there any age limit?

Employee and spouse are covered upto age of 65 years, Children are covered upto 25 years of age and parents upto age limit of 80 years. Employee and spouse should be minimum 18 yrs.
Read more

What is group insurance premium?

Group insurance premium is the money paid to the insurance company offering the group insurance plan.

Who pays the premium in a group health plan?

It's the employer who pays the premium for a group health insurance plan.

How is the group insurance premium calculated?

The employees can avail the benefit of the coverage for his/her dependants under the Group Health Insurance. Dependants include spouse, children up to 25 years of age and parents up to 80 years of age.

What happens to the policy coverage after a claim is filed?

Policy coverage will be extended up to expiry date of the policy subjected to availability of sum insured.

What is the maximum number of claims allowed over a year?

There is no limit on number of claim admissibility

How to avail cashless treatment?

Insured to get admitted in network hospital

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Hospital to send Cashless Request to ICICI Lombard Health Claims teams

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Process is done at ICICI Lombard Health Claims teams

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Decision to Approve/Query/Reject is taken

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Insured to pay non-payables & get discharge

  • Insured to submit Health Card Copy and Photo ID Proof at Hospital Insurance Desk.
  • Hospital will send the cashless request to ihealthcare through Web/email upon admission recommendation from Hospital Doctor. Insured needs to check the pre-authorization note and duly sign the same.
  • Post receipt of Cashless Request from Hospital, ihealthcare team to check the medical admissibility and accordingly Approve/Query/Reject the request.
Insured will be notified via SMS/email at all events of Cashless Hospitalisation. A call will be made if the cashless request has been queried/rejected. (Subject to availability of insured/dependants contact details)
  • In case of planned admission insured/dependents can reach out to hospital for cashless approvals in advance
  • In case of emergency during admission insured/dependents can approach Hospital TPA desk for Cashless request.

Whom do I call at the time of emergency hospitalization?

You call our customer support number 1800 2666 (Available 24 x 7)

What to do if I am admitted to non-network hospitals?

Claim will be paid on reimbursement basis and below is the reimbursement process.

Insured Hospitalized in non-network hospital

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Payment to Hospital & collect original documents from hospitals

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Submit original document to ICICI Lombard Health Claims

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Claim process done by ICICI Lombard Health Claims

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Claim settled on reimbursement basis

Documents to be submitted for Reimbursement
  • Duly filled Claim form including NEFT form for Electronic Funds Transfer & Cancelled Cheque Copy
  • Discharge Summary (with details of complaints and treatment availed)
  • Final Hospital Bill (detailed break-up) along with interim bills & payment receipts
  • All investigation reports (Original Blood Reports, X-Ray Reports, Sonography, CT Scan, MRI etc
  • All Pharmacy bills supported by Doctor’s prescriptions
  • Implant Sticker / Invoice, if used (eg: Lens details in Cataract Case, Stent details in angioplasty)
  • Medico Legal Certificate (MLC) and or FIR for all accident cases
Claim Submission Process
  • Insured to collect all the claim documents during discharge.
  • Claim to be submitted within 30 days from date of discharge.
  • Claim form can be downloaded from our website www.icicilombard.com
  • Claim Status can be tracked Online or by sending an SMS to 575758
Insured need to dispatch the reimbursement claim documents to below mentioned address:
CLAIMS TEAM ICICI LOMBARD HEALTH CARE ICICI LOMBARD GIC LTD, ICIC BANK TOWER, PLOT NO:12 FINANCIAL DISTRICT, NANAKRAM GUDA, GACHIBOWLI, HYDERABAD. PIN CODE: 500032
  • In case of any claim related query, insured can write to us at ihealthcare@Icicilombard.com
  • Or can contact @ our Toll Free Number 1800 2 666 (In-house Call Centre)

What are the documents required for claiming?

Original bills for hospitalization, diagnostic, pharmacy, room rent and all the bills related to hospitalization duly signed by the employee and the hospital authority
Read more

How is the premium for group health insurance policy calculated?

Premium is calculated based on employee’s demography, claim experience of past 2-3 years and coverage provided to the client

What are the Advantages of Group Health Insurance?

Pre-existing disease (PED) is covered under Group Health Insurance, as compared to a waiting period which is applicable in individual health policies. Other coverages can be customized as per client requirement.

Are the dependents covered under ICICI Lombard’s group health insurance?

The employees can avail the benefit of the coverage for his/her dependants under the Group Health Insurance. Dependants include spouse, children up to 25 years of age and parents up to 80 years of age.

Is policy valid Pan India?

The coverage of the policy is valid in India and employees, dependents can avail the facility of network hospitals.

Ratings and reviews

  • Nisha Sharma
  • Clickr Estore Pvt Ltd

Best Service: ICICI Lombard is one of the best insurance providers. We have got the group health insurance policy for the organization and have also availed the services. With the help of ICICI SME - Arjun Mulka, the process has been all the more easy and smooth. He provides a quick resolution and has been very helpful throughout. Availing the group policy insurance services were hassle free and my organization has benefited from it. It offers a variety of policies and you can choose the one that suits you.

  • Aamir Baig
  • Mech Field

It was a good experience! Buying a policy and getting a claim both the process were smooth with ICICI Lombard. Their service team is helpful. My request was entertained on time.

  • Govind
  • Sri Kripa Stones And Granites Pvt Ltd

Prompt reply - If I ever have a question or concern. I just have to pick up the phone and get my answers.

Very prompt and pleasant to work with. Best plan: - We have recently got group health insurance for our employees from the ICICI Lombard and it is the best plan for our employees. We really like the plans.

  • Jesse
  • Martin Luther Christian University

We are pleased with the service provided by ICICI Lombard group health insurance from the initial contact to date. ICICI Lombard has given us the information and choices we needed and the employees are fantastic at addressing queries. We are happy to provide this testimonial to their high standard of professional services.

  • Prachi Dua
  • NucleusTeq Consulting Pvt Ltd

We recently took the group health insurance policy from the SME website of the ICICI Lombard. It has a good policy which provides several benefits at one place. Our claim settlement process was very smooth.

The service and training we got for understanding the portal was clear.

  • Push Pandey
  • Golden Wheel Parts & Lubricants

As I can say that during the period of my interaction with your system and team members specially with Mr Abhishek as he was my point of contact. I would like to say that he is the one guy who always listens attentively and reverts promptly with good behaviour towards us. As well as your process for whether it is Inland declaration submission or claim intimation on web portal is very user friendly which leads to the ease of mind that any person from our organization can handle it in given point of time. So, keep up the good work as it is going on and surely if any suggestions will come in future, we would to love share with you all.

  • Mayuri Sutar
  • Dalwin Marine Turbo Engg Pvt Ltd

ICICI Lombard Service is Very good and staff also co-operative. Thank you very much ICICI Lombard.

  • Prachi Dua
  • NucleusTeq Consulting Pvt Ltd

We recently took the group health insurance policy from the SME website of the ICICI Lombard. It has a good policy which provides several benefits at one place. Our claim settlement process was very smooth.

The service and training we got for understanding the portal was clear.

  • Pratikshya Behera
  • Jeeva Organic Pvt Ltd

It's very difficult to find an insurance company when you make a claim. If you never make one, they are all wonderful. However, if you do make a claim then you find out the real truth. Some are much better than others. Many will try to wriggle out of paying by using small print by saying you are not covered this or that or you are under-insured so they won't make a full pay-out. ICICI Lombard is one of the best. I can give examples; at the time of on boarding, one of our employees met with an accident. Then ICICI Lombard & the team help us to pass through the situation starting from Hospitalization to Discharge. It is totally hassle-free.

  • Shivangi Shrivastava
  • Empenofore Tech Pvt Ltd

We are associated with ICIC| Lombard for GHI Product last year and the process has been seamless. Claims are easy to access for employees, and representatives for the company are helpful too!

  • S Kachhara
  • Thermodynamic Engineers Pt Ltd

We have recently taken group insurance policy for our employees from ICICI Lombard. It is providing health care benefits at nominal cost through it's widely spread 6500+ network hospitals. The health plans are very well framed and can be customised to the need of all. Thank you ICICI Lombard team.

  • Ankush Katwal
  • Ramada by wyndham

Recently, I applied for the claim for my child as he was admitted in Max Dehradun and I would really like to appreciate that the claim has been settled within 4-5 hours of time after I claimed it. Well I had claimed before also when I used to have different company, but they took lot of time, but ICICI Lombard really takes care of their customers very well. And previous time when I claimed it, it was having lots of hassles to get the claim settled but with ICICI Lombard the claim settlement process was hassle free and the customer care team is very active and responsive. I will make sure that I will recommend ICICI Lombard to my nears and dears. Also looking forward to see the same from ICICI Lombard to keep this as it is.

  • Sunil
  • Advantiqs Technologies

Great assistance in getting the best GHI policy. The team will go above and beyond the call of duty to help customers with their health insurance needs. Always on top of everything. Above and beyond on the customer service.

  • Sharad
  • Ombre By Harsheen Jamm

I really appreciate to all of your effort to get us properly insured, it allows me to sleep well knowing that my team is very well protected. I really commend you for the exceptional service that you are doing for your clients on behalf of ICICI LOMBARD. Throughout the procedure of purchasing policy, you were very prompt in answering my questions and concerns & you have excellent knowledge to get matters resolved quickly.

  • Afzal
  • System Air Conditioning Pvt. Ltd.

Recently we have bought Group Health Insurance for our employees from sme.icicilombard.com. The plans available on the website are tailor-made and budget-friendly.

  • Sreedhar
  • Galton Pharmaceuticals Pvt. Ltd.

We were in the process of purchasing Group Health Insurance for our employees, in the meantime we got a call from Lombard from Ms.Pankhuri, we have decided to continue with ICICI. In the process, we got a good price quotation on insurance. Good responses and quick replies from ICICI team. As Queries also resolved accordingly. Got Customized Plans in Room/ICU and maternity benefits etc. We are so happy to associate with ICICI Lombard and expedite the same in the future.

  • Aasheesh
  • Noovosoft Technologies LLP

We got group health insurance for our employees from the ICICI Lombard and it very much covers everything as per our requirements.

  • Mani
  • BigThinkCode Technologies

We recently insured our employees with ICICI Lombard Group Health Insurance, as it has the most benefits for employees. The ICICI teams' interactions and responsiveness are commendable.

Group health insurance
Product Product Code UIN no.
Group Health Insurance 4016 ICIHLGP24019V062324
Group Health insurance 4015 ICIHLGP24018V052324

Disclaimers:

Note: waiting period and pre-existing diseases shall be in exceptional cases as per the terms and conditioned mentioned in the policy wordings.

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We are renewing the existing policy

Group health insurance

Disclaimer : Any misinformation may result in policy cancellation

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Protect your business with expert advice from our trusted team.

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*Source: Times of India

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