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Since your motor insurance policy has expired, your policy cover would start 3 days after the policy is issued.
Get basic coverage at an affordable premium
Secures medical costs for AYUSH treatment
Your hospital bills for alternative treatments like Ayurveda, Yoga, Unani, Siddha and Homeopathy are covered.
Avail tax benefit
As per section 80D, you can save up to ₹25,000 in taxes on securing yourself, your dependent parents and children, and up to ₹50,000 if you are a senior citizen.
Speedy approvals for your claims
With a customer care team that works round the clock, your cashless claims are bound to be settled faster.
99.8% health claim settlement ratio (FY19)
Our robust processes help settle a higher number of claims. So if you make a claim, rest assured your claims will be handled smoothly.
Enjoy extra sum insured on every claim-free year
Get 5% additional sum insured as a Cumulative Bonus up to a maximum of 50% on every claim-free year. You don’t have to pay an extra premium for the additional sum insured.
Receive cashless medical care at your nearby hospital
Our wide network of more than 6025 hospitals ensures you get quality medical care at the right time in your vicinity.
Choose a sum insured that you are comfortable with
From ₹1 Lakh to ₹5 Lakh, choose how much you want as your sum insured. Depending on what you choose, your premium will vary.
You are eligible to avail this standard health insurance plan if:
Please note that if your children are above 18 years of age and are financially independent, they will be ineligible for coverage in the subsequent renewals
Duly filled Claim form (signed by the Insured and the treating doctor)
Discharge summary (with details of complaints & the treatment availed
Final Hospital Bill (detail 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 supporting with doctor 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 - detail bills with supporting prescription of the Treating doctor
Copy of Health card
Any other related documents
Note: All documents should be Original
Claims may be Approved or Rejected or Queried:
Approved Cases - Settlement letter and the cheque in favour of the proposer is sent at 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.
Make sure to fill up the mobile number in 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
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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
Doctor’s consultation papers
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
Non-payable items and co-payment charges have to be borne by the Insured
Use the website to access the claims tracker, network hospital list, e-card and various
other information and services
Do not submit the claim documents at any local ICICI Lombard office
Always keep a photocopy of the claim documents submitted to ICICI Lombard
Implant(s) charges (wherever applicable) – e.g. Stents, Lens, etc.
Deductions include:
Arogya Sanjeevani Policy, ICICI Lombard is an ideal choice if you are looking for a health plan that provides coverage for the basic health needs. It is a standard policy that will have your back in times of a medical emergency. You can also extend its benefits to your family (spouse, dependent parents and children). It covers you for pre and post hospitalisation expenses and room charges, doctor or special consultant’s fees, medicine bills during your hospitalisation for more 24 hours. Your day care procedures are also taken care of by this policy. Since the policy comes with plans that only differ with respect to sum insured and their respective premiums, having your pick becomes much easier. The sum insured begin just ₹1 Lakh onwards and you can choose plans up to ₹5 Lakh. Thus, this policy cuts down your confusion and keeps you well prepared for all the most basic health needs. You can avail cashless medical care, lifelong renewability benefit, cumulative bonus of 5% on sum insured, ambulance cover, In patient AYUSH Treatment (Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homeopathy), and dental and cataract treatment with it.
All the benefits mentioned here are indicative, for complete and detailed information on features, terms and conditions kindly read policy wordings carefully.
Get admitted in any of our network hospitals
Send us a fax of your pre-authorisation form and relevant documents
Our ICICI Lombard Health Care team reviews the claim and accepts, rejects or raises a query
Your claim is settled by the ICICI Lombard Health Care team
Upon discharge, pay all hospital bills and collect all original documents of treatments and expenses undergone
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)
ICICI Lombard Health Care reviews your claim request and accordingly will approve, query or reject the same (as per policy terms and conditions)
ICICI Lombard Health Care settles the claim (as per policy terms and conditions) and reimburses the approved amount
Get admitted in any one of the TPAs network hospitals
Fax the pre-authorisation form along with relevant documents (Investigation reports, Previous consultation papers, Cashless ID, Photo ID)
Your service provider reviews your claim request and accordingly will approve, query or reject the same
Your service provider settles the claim (as per policy terms and conditions) with the hospital after completion of all formalities
Mail the duly filled (and signed by insured and treating doctor) claim form and required documents to your service provider (TPA)
Your service provider settles the claim (as per policy terms and conditions) and reimburses the approved amount
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
Does Arogya Sanjeevani Policy, ICICI Lombard cover COVID-19?
Yes, your hospitalisation expenses for COVID-19 are covered under Arogya Sanjeevani Policy, ICICI Lombard.
What’s the maximum age limit for Arogya Sanjeevani Policy, ICICI Lombard?
Why do I need health insurance?
How does it help to buy health insurance at a young age?
How much health policy coverage do I need?
What coverage do I get with the Arogya Sanjeevani Policy, ICICI Lombard?
Hospitalisation, pre-hospitalisation and post-hospitalisation expenses are covered under Arogya Sanjeevani Policy, ICICI Lombard.
What is a family floater insurance?
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.
How many new family members can I add to my current floater?
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.
Is overseas treatment for an illness covered?
The expenses for overseas treatments are not covered under Arogya Sanjeevani Policy, ICICI Lombard.
Will Arogya Sanjeevani Policy, ICICI Lombard pay for maternity expenses?
Maternity expenses like treatment of pregnancy and childbirth related complications are not covered under Arogya Sanjeevani Policy, ICICI Lombard.
Will Arogya Sanjeevani Policy, ICICI Lombard cover hospitalisation expenses for COVID-19?
Yes, hospitalisation expenses for COVID-19 will be covered under Arogya Sanjeevani Policy, ICICI Lombard as per the policy terms and conditions.
How can I intimate my claim for Arogya Sanjeevani Policy, ICICI Lombard after hospitalisation?
Is any waiting period applicable under Arogya Sanjeevani Policy, ICICI Lombard for COVID-19 claim?
Will the expenses towards COVID-19 vaccination be covered in case such vaccine is manufactured?
Are the expenses on medicines and diagnostic tests incurred during medically advised home isolation due to COVID-19 covered?
What is the starting premium for an adult under Arogya Sanjeevani Policy, ICICI Lombard?
The premium for Arogya Sanjeevani Policy, ICICI Lombard starts at ₹4025 for 1 Adult with ₹1 lakh sum insured.
How much premium qualifies for tax benefits?
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):
Is the premium exempted from Income Tax?
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 .
What parameters are considered for calculating the premium?
Cover opted (Individual/Floater) Age of senior-most member Sum Insured selected
Is this product priced according to tier/location?
The premium for this product is not affected by the location of the policy holder.
Whom do I call at the time of emergency hospitalisation?
You can contact us on our toll-free number 1800 2666 or 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.
Do I have to pay any amount while claiming under Arogya Sanjeevani Policy, ICICI Lombard?
Yes, 5% of the claim amount is to be paid by you as per the co-pay clause under Arogya Sanjeevani Policy, ICICI Lombard.
What do I do if my claim is rejected?
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.
What is the Claim Settlement Ratio for ICICI Lombard Health Insurance?
Our claim settlement ratio for health is 99.8% (FY19).
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.
What are the sum insured options provided under Arogya Sanjeevani Policy, ICICI Lombard?
The annual sum insured options range between ₹1 lakh to ₹5 lakhs for Arogya Sanjeevani Policy, ICICI Lombard.
Can I get a higher sum insured under Arogya Sanjeevani Policy, ICICI Lombard?
If you need a policy with a sum insured higher than ₹5 lakhs then Arogya Sanjeevani Policy, ICICI Lombard is not the right pick for you. Explore our higher sum insured plans here.
What is the tenure for Arogya Sanjeevani Policy, ICICI Lombard?
Your health is covered for 1 year under Arogya Sanjeevani Policy, ICICI Lombard.
Do I need to undergo a pre-medical check-up while buying Arogya Sanjeevani Policy, ICICI Lombard?
No, you don’t have go for a pre-policy medical check-up if your age is below 45 years. However, a pre-policy medical check-up is compulsory if your age is 45 years or above. Your medical examination will be done at our designated diagnostic centres. We will return the cost incurred for the test in case your proposal for Arogya Sanjeevani Policy, ICICI Lombard is accepted.
Are all the major corporate hospitals on the network?
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.
“Extremely happy. Very satisfied with your express settlement of claims.My experience with you is unique as compared with others. I... ”
Dilip V Bhide - Nagpur - Proposer
“You can say that I am big 'fan' of ICICI Bank. This is one of the main reasons, I went to ICICI Lombard for my health insurance and 2-wheele... ”
Pawan Kabra - Surat
“Appreciate your quick response to my recent follow up for my insurance policy. I got my policy certificate within hours of the same day. ”
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“Your service support and network is very good. Also your disease covered is also reasonable. ”
Gaurang Desai - Goa - Manager Manufacturing, Tulip group
“Thanks for the very quick and immediate settlement of my hospital expenses reimbursement claim on 17th Feb 2016, Even though it took some ti... ”
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“I am happy with the services offered by ICICI Lombard General Insurance Company. I have medical policies from different companies for my fam... ”
Ashish Shah - Entrepreneur - Mumbai
“I am quite amazed to buy a policy from ICICI Lombard. There was no paperwork, no health check-up, no cheque payments, no reminder calls etc.... ”
Ajit Deshpande - Software Engineer - Pune
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