Hospitalisation, pre-hospitalisation and post-hospitalisation expenses are covered under Arogya Sanjeevani Policy, ICICI Lombard.

Family floater insurance is a single health insurance policy that will cover one or more members of your family. They can be your legally wedded spouse, dependent parents and parents-in-law, and dependent children in the age group of 3 months to 25 years. It doesn’t cover children above 18 years of age who are financially independent.

The floater option easily allows you to add up to 2 adults and 3 children (above 3 months of age) all under one policy. You can get your immediate family members covered (legally wedded spouse, dependent parents, parents-in-law and dependent children) for the same sum insured. If you want to add a new family member, you can do so only at the time of renewal.

The expenses for overseas treatments are not covered under Arogya Sanjeevani Policy, ICICI Lombard.

Maternity expenses like treatment of pregnancy and childbirth related complications are not covered under Arogya Sanjeevani Policy, ICICI Lombard.

Yes, hospitalisation expenses for COVID-19 will be covered under Arogya Sanjeevani Policy, ICICI Lombard as per the policy terms and conditions.

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

The floater option easily allows you to add up to 2 adults and 3 children (above 3 months of age) all under one policy. You can get your immediate family members covered (legally wedded spouse, dependent parents, parents-in-law and dependent children) for the same sum insured. If you want to add a new family member, you can do so only at the time of renewal.

The expenses for overseas treatments are not covered under Arogya Sanjeevani Policy, ICICI Lombard.

Maternity expenses like treatment of pregnancy and childbirth related complications are not covered under Arogya Sanjeevani Policy, ICICI Lombard.

Under section 80D of the Income Tax Act, you can avail tax benefits for premiums paid towards your health insurance policy. The following table explains total tax deduction for only assesse, spouse, dependent children and parents (whether dependent or not):

Under section 80D of the Income Tax Act, 1961 you’re allowed to claim a deduction of ₹25,000 per year for the premium paid on health insurance of self, spouse, parents or children. The deduction allowed for senior citizens is ₹50,000.
Click here to know more about the tax benefits of health insurance .

Cover opted (Individual / Floater)
Age of senior most member
Sum Insured selected
Sub limit (if selected)

You can contact us on our toll-free number on 1800 2666 or forward an SMS "HEALTHCLAIM" to 575758 to receive a call back. To avail cashless service use the health card at any network hospital. For cashless emergency hospitalisation, we need to be contacted within 24 hours of hospitalisation.

Cashless facility is available only at the ICICI Lombard cashless network hospitals. In case of planned hospitalisation, you must contact us two days prior and in case of an emergency, within 24 hours of hospitalisation.

If your claim is rejected, you can ask the reason for such rejection. If you’re not convinced, you can contest the decision. A claim can be rejected for several reasons like an incomplete waiting period, incorrect information provided and delay in making a claim.

Claims Settlement Ratio is not published by IRDAI, the insurance regulatory body for general insurance companies. This parameter is only used for life insurance companies. The general insurance companies are judged by their Incurred Claims Ratio, or ICR, which is the total value of claims paid to the total premium collected in a given year. ICICI Lombard settled 1.54 million claims in FY 2017-18.

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

The claim process involves 3 steps
• Claim Intimation
• Claim Processing
• Claim Payment/Closure

Claim can be intimated through various modes:

• Call Center
• Walk in
• E-mail
• Fax
• Letter
• SMS

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

The ICICI Lombard claims management team or customer service should be contacted.

ICICI Lombard has tie-ups with over 6500+ leading hospitals across the country. This is to ensure the best service and round-the-clock assistance for our policyholders. Being in the network, these hospitals come with the cashless hospitalisation facility. Click here to check the hospital network.

Lifelong renewability is a facility assured to an individual to enjoy the lifelong protection of a health insurance cover without any restrictions or age bar. This helps the insured to not only meet sudden medical expenses but also enjoy health protection for a longer time.

For young families, a floater insurance policy is more economical than opting for multiple individual policies. The insurance premium is lower, and a higher coverage amount is more affordable in floater insurance, as compared to individual insurance.

A health card contains the details of the health insurance policy and is issued with the policy. It also contains the contact details and numbers of third-party administrators (TPA), which you can contact during a medical emergency for assistance, queries or clarifications.

You can avail the benefit of cashless hospitalisation at the cashless network hospitals on producing the health card.

If you wish to switch your current insurance to Arogya Sanjeevani Polic, ICICI Lombard, you need to provide us your application, a duly filled Portability form and support them with complete documentation at least 45 days prior to the renewal date of your existing policy.

You are required to pay the renewal premium before the due date of the policy, failing which your health insurance policy will expire. However, we offer a grace period of 30 days from the expiry of the policy.

You can renew your policy online hassle-free.

We will be sending you a renewal notice informing you of the expiry of your health policy.