Health Insurance - Buy Online Medical Insurance Plans & Mediclaim in India | ICICI Lombard
×
Get health insurance on the go
Install
 
 
 
x

Please enter your details

Please enter the name
+91 Please enter the mobile number
Please select the product
(Please enter words below)
(Please enter words below)
x

Live Chat

May I help you?

Begin Chat
Please select atleast one member
21 years and above
- +
Adult 1 DOB
DOB is required
Adult 2 DOB
DOB is required
Please select no. of childrens
Kid(s) (3 months - 20 years)
- +
Please enter valid mobile number
Please enter valid email id
  • I agree to the Terms and Conditions
  • To manage your WhatsApp preferences click here
Please select atleast one member
Adult(s) - 21 years & above
- +
Please select no. of childrens
Kid(s) (3 months - 20 years)
- +
Please select DOB
Please select DOB
Please enter valid mobile number
Please enter valid email id
  • I agree to the Terms and Conditions
    Please accept terms & conditions
  • To manage your WhatsApp preferences click here
Please enter valid mobile number
Please enter valid email id
  • I agree to the Terms and Conditions
  • To manage your WhatsApp preferences click here
Imp: All hospitalisation expenses related to COVID-19 covered. Please refer to the FAQ section below.

7 reasons to buy ICICI Lombard Health Insurance

  • Save on your taxes

    Enjoy tax deduction benefits on the premium amount paid for yourself, spouse, dependent children and parents

  • Cashless medical care, always accessible

    Use your Health ID Card to get cashless medical treatment at our 5025+ network hospitals

  • Be assured of timely finance during medical emergencies

    Get cashless approval within 4 hours to cover your medical expenses, and avail the treatment you need

  • Be assured in times of hardships

    Get coverage against Accidental Death and Permanent Total Disablement

  • Secure wellness, health and maternity expenses

    Add-on cover for Outpatient Treatment, Wellness and Preventive Healthcare, and Maternity Benefit

  • Get ample security with our plan

    Top-up to enhance sum insured and supplement your existing cover

  • Fast and efficient claim settlement

    With in-house claim settlement, we assure you quick and easy claim settlement without communicating with any third-party service providers

FAQs in relation to COVID-19 cover under retail Health Insurance policies

Will my existing health insurance policy cover hospitalization expenses on account of COVID-19?

Yes, hospitalization expenses on account of COVID-19 will be covered under the policy in accordance with the policy terms and conditions.

How can I intimate my claim after hospitalization?

Claim intimation can be done online on IL Health Care or using our mobile app, IL Take Care. Scanned copies or photographs of all claim related documents can be uploaded in the app.

Further, the Insured is required to furnish/courier hard copies of all requisite claim documents at his/ her own expense to the below mentioned address:

ICICI Lombard Healthcare,
ICICI Bank Towers,
Plot No. 12, Financial district,
Nanakramguda, Gachibowli,
Hyderabad- 500032

Are any waiting periods applicable to claims under COVID-19?

In case your policy has an Outpatient Treatment Cover, then waiting periods are not applicable. A claim under Outpatient Treatment Cover can be made in accordance with the claims procedure mentioned in the policy wordings.

In case of hospitalization on account of COVID-19, the hospitalization expenses incurred will be covered provided the illness is contracted after completion of 15 days in case of a fresh policy. In case of a policy that has been renewed continuously without a break or in case of policies that have been ported in to ICICI Lombard, the 15 day condition will not be applicable.

Will I be allowed to enhance my sum insured?

Sum insured enhancement will be allowed based on medical assessment in accordance with the underwriting guidelines. However, such sum insured enhancement will be done only at the time of renewal.

Will the expenses towards COVID-19 vaccination be covered in case such vaccine is manufactured?

The expenses towards vaccination will be covered in case the policy has Outpatient Treatment Cover.

Are the expenses on medicines and diagnostic tests incurred during medically advised home isolation due to COVID-19 covered?

In case your policy has an Outpatient Treatment Cover, then these expenses will be covered in accordance with the policy terms and conditions.

Will the policy cover expenses due to quarantine?

In case the quarantine is in a hospital on the advice of a Medical Practitioner, then the medical expenses incurred will be covered in accordance with the policy terms and conditions. However, expenses incurred on account of self-quarantine or quarantine at home will not be covered.

Will the policy cover hospitalization in a country other than India?

No. The geographical scope of the policy is limited to India.

Will my travel history abroad affect the admissibility of claim under the policy?

So long as the hospitalization is in India, the travel history will not affect the admissibility of claim under the policy.

What are the expenses incurred for COVID-19 that will not be covered under my policy?

The non-payable expenses as listed by IRDAI will not be covered under your policy.

Will my family members be covered for expenses on account of COVID-19?

Yes, provided that they are covered under ICICI Lombard Health Insurance policy.

Are the consultations with a Medical Practitioner and diagnostic tests in relation to COVID-19 covered under my Health Insurance policy?

In case your policy has an Outpatient Treatment Cover, then all consultations with a Medical Practitioner and diagnostic tests as advised by a Medical Practitioner are covered. A claim under Outpatient Treatment Cover can be made in accordance with the claims procedure mentioned in the policy wordings.

Further, in case there is hospitalization on account of COVID-19 and the same has been paid under the policy, then all expenses related to COVID-19 incurred on account of consultations with a Medical Practitioner and diagnostic tests as advised by a Medical Practitioner in the 30 day period prior to date of admission and 60 day period after date of discharge will be covered in accordance with the policy terms and conditions.

Get a Quick Quote