Question 1

How would I benefit by buying health insurance at a young age?

Accepted Answer

Buying health insurance at a young age is a prudent decision as it provides several significant benefits like lower premium. Purchasing insurance at 25 years of age benefits the insured with a lower premium amount, as insurers are aware that people are comparatively more fit in their 20s than in their 40s, and are less likely to fall sick due to a strong immune system. The low premium is subject to change however, and is not fixed. It can be changed for various reasons, such as change in age slabs or product and even revision in tax laws. To know more,click here.

Question 2

What’s the maximum age limit for a complete health insurance plan?

Accepted Answer

There is no maximum entry age limit to apply for a complete health insurance plan. However, there are some conditions:
&#9675 Applicant should be 18 years of age
&#9675 Minimum age for children is 91 days (floater option) and 6 years (individual cover)
&#9675 Applicants more than 46 years of age will have to undergo medical tests

Question 3

How much health insurance coverage do I need?

Accepted Answer

The amount of coverage needed is based on several deciding factors like current age, health conditions, family medical history, family members and their health conditions, ability to pay premium and hospital preferences
After considering these factors, an individual decision needs to be made. You can contact us for assistance.

Question 4

Why do I need health insurance?

Accepted Answer

Health insurance protects you from the financial burden of unexpected, high medical costs and is critical in maintaining your and your family’s health, both physical and financial.
It covers medical expenses incurred during hospitalisation for more than 24 hours and provides the benefits of free health check-ups and cashless hospitalisation.
Click here to read more about the benefits of health insurance

Question 5

Do I need to purchase a separate Health Insurance Policy even if my employer is covering me in a Group Health Insurance Plan?

Accepted Answer

Group Health Insurance Plan provided by an employer isn’t sufficient or effective in covering your health needs. It usually doesn’t offer the needed coverage and doesn’t provide add-ons, tax benefits, no claim bonus or flexible coverage. Moreover, if you lose your job, you’ll lose the policy coverage too. Hence, it is advisable to have a comprehensive health policy in addition to the group health plan

Question 6

What is No Claim Bonus (NCB)?

Accepted Answer

In case you have made no claim during the policy period, except as an outpatient, the sum insured amount of your policy will increase by a fixed percent – this is called No Claim Bonus. It is transferable and can be carried forward to the next policy tenure.

Question 7

What do you mean by annual sum insured?

Accepted Answer

The annual (basic) sum insured is the maximum amount that an insurance company will pay you, according to the insurance contract, in the event of a claim.

Question 8

What do you mean by waiting period?

Accepted Answer

The duration only after which a claim can be made is called the waiting period.

Question 9

If I increase my policy Sum Insured at the time of renewal, do any waiting periods apply?

Accepted Answer

Yes, waiting periods will be applicable afresh in relation to the amount by which the Sum Insured has been enhanced.

Question 10

What do you mean by pre-existing disease?

Accepted Answer

Any condition, aliment or injury or related condition(s), for which you had signs or symptoms and/or were diagnosed and/or received medical advice/treatment within 48/24* months prior to the first policy with the insurance company is called a pre-existing disease. (*as per selected plan)

Question 11

What is the difference between a family floater and critical illness or hospital cash insurance?

Accepted Answer

Family floater insurance is a single health insurance policy that will cover all the members of your family (max 2 adults and 3 children).
Critical illness insurance provides a fixed compensation (up to sum insured) on diagnosis of a critical illness like cancer.
Hospital cash insurance provides a fixed amount of compensation on a daily basis for the period of treatment in a hospital or nursing home.

Question 12

Can I add a new family member to my current floater?

Accepted Answer

Yes, the floater option easily allows you to add upto 2 adults and 3 children (above 3 months of age) all under one single policy and premium amount. You can get your immediate family members covered (self, spouse, dependent parents, dependent children, brothers and sisters) for the same sum insured. In the event of a new family member, you can include them only at the time of renewal.

Question 13

What if I undergo treatment for any illness overseas?

Accepted Answer

Unless covered under appropriate Extension/ option covers, ICICI Lombard is not liable to make any payment, under this Policy, for any illness that has been treated outside India. Treatments taken outside the country fall under permanent exclusions.
We shall cover expenses only for those treatments that have been taken at any hospital within India.

Question 14

Will I get covered for my pre-existing illnesses?

Accepted Answer

Pre-existing illnesses/conditions will be covered immediately after 2 years of continuous coverage under the policy, if the policy is issued for the first time with ICICI Lombard.
Read more to learn about insurance cover for pre-existing conditions .

Question 15

How do I know if an institute for AYUSH treatment is covered by ICICI Lombard?

Accepted Answer

AYUSH treatment will be covered by ICICI Lombard only when treatment is undertaken in a government hospital or in any institute recognised by the government and/or accredited by Quality Council of India/National Accreditation Board of Health. Treatment taken at a healthcare facility which is not a hospital, is excluded.
To know more about the AYUSH cover, click here .

Question 16

Do I need to undergo a medical check-up while buying a health insurance policy?

Accepted Answer

No pre-policy medical check-up is required for health insurance cover below the age of 45 years and sum insured up to ₹ 10 lakhs. For those above the age of 45 years, the cost of the pre-policy medical check-up at designated centers would be paid for by the company.

Question 17

What are the covers offered under Basic Hospitalisation?

Accepted Answer

It refers to payment of the in-patient hospitalisation expenses such as boarding and nursing expenses, intensive care unit charges, surgeon’s/doctor’s fee, anesthesia, blood, oxygen, operation theatre charges etc. that you would incur during hospitalisation for a minimum period of 24 consecutive hours.

Question 18

What are the covers offered under Day Care Surgeries/Treatments?

Accepted Answer

It refers to payment of the Medical Expenses that you would incur while undergoing Specified Day Care Procedures/Treatment (as mentioned in the Day Care Surgeries list), which require less than 24 hours hospitalisation.

Question 19

What are the covers offered under Pre and Post Hospitalisation Expenses?

Accepted Answer

It refers to payment of the Medical Expenses that you might incur immediately 30 days before and 60 days after hospitalisation.

Question 20

What are the covers offered under Critical Illness?

Accepted Answer

It refers to payment of a fixed amount (up to Sum Insured) upon diagnosis of covered major illnesses and mentioned medical procedures.
Covers offered under critical illness/medical procedures are Cancer, Coronary, Artery By-pass graft surgery, Myocardial Infarction (Heart Attack), End Stage Renal Failure, Major Organ Transplant, Stroke, Paralysis, Heart Valve Replacement Surgery and Kidney failure.

Question 21

How much premium qualifies for tax benefits?

Accepted Answer

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

Question 22

Is the premium exempted from Income Tax?

Accepted Answer

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 .

Question 23

What parameters are considered for calculating the premium?

Accepted Answer

Cover opted (Individual / Floater)
Age of senior most member
Sum Insured selected
Sub limit (if selected)
Optional covers (add-ons chosen)

Question 24

Whom do I call at the time of an emergency hospitalisation?

Accepted Answer

You can contact us on our toll free number on 1800 2666 or forward an SMS "HEALTHCLAIM" to 575758 to receive 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.

Question 25

If I avail cashless facility, will you pay the entire amount, or will I be required to bear part of the bill at the hospital?

Accepted Answer

If I avail cashless facility, will you pay the entire amount, or will I be required to bear part of the bill at the hospital?
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.

Question 26

What do I do if my claim is rejected?

Accepted Answer

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. .
Read more to learn about the reasons behind claim rejection .

Question 27

What is the Claims Settlement Ratio for ICICI Lombard general insurance?

Accepted Answer

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. 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.

Question 28

What is the procedure for reimbursement settlement?

Accepted Answer

All the claims have to be intimated 48 hours prior to hospitalisation and within 24 hours post admission in case of emergency
&#9675 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
&#9675 Send your duly filled (and signed by you as well as your treating doctor) claim form and required documents to us
&#9675 We will review your claim request (as per policy terms and conditions)
&#9675 On approval, we will settle your claim (as per policy terms and conditions) and reimburse the approved amount to you

Question 29

What is the process for claim?

Accepted Answer

The claim process involves 3 steps
&#9675 Claim Intimation
&#9675 Claim Processing
&#9675 Claim Payment/Closure

Claim can be intimated through various modes:
&#9675 Call Center
&#9675 Walk in
&#9675 E-mail
&#9675 Fax
&#9675 Letter
&#9675 SMS

Question 30

What are the steps for cash settlement

Accepted Answer

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
&#9675 Admission in network hospital
&#9675 Fax the pre-authorisation form along with relevant documents (Investigation reports, Previous consultation papers if any, Cashless ID, Photo ID) 
&#9675 We review your claim request (as per policy terms and conditions) 
&#9675 On approval, we settle your claim (as per policy terms and conditions) with the hospital after completion of all formalities

Question 31

Who should be contacted to make a claim?

Accepted Answer

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

Question 32

Are all the major corporate hospitals on the network?

Accepted Answer

ICICI Lombard has tie-ups with over 6500+ leading hospitals across the country. This is to ensure 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 .

Question 33

What does lifelong renewability mean?

Accepted Answer

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.

Question 34

What is beneficial for me - floater insurance or an individual insurance?

Accepted Answer

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.

Question 35

What is a Health Card and what are its benefits?

Accepted Answer

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.

Question 36

How do I switch to ICICI Lombard insurance when I have another ongoing insurance cover?

Accepted Answer

If you wish to switch your current insurance to any of ICICI Lombard plans, 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.

Question 37

What should I do if my policy expires?

Accepted Answer

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.

Question 38

What if I want to renew my health insurance policy after one year?

Accepted Answer

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

Question 39

What is a Health Card?

Accepted Answer

A Health Card is a card that you get along with your policy. It is similar to an identity card. This card entitles you to avail cashless hospitalisation at any of our network hospitals

Question 40

How does a Health Card function in case of a 2-year (auto renewal) policy?

Accepted Answer

In case of a 2-year (auto renewal) policy, you will be issued a single card, which will be valid for the entire policy period. The health card need not be renewed or re-issued during the policy tenure.

Question 41

What are the benefits of a health card?

Accepted Answer

A health card mentions the contact details and the contact numbers of the Third Party Administrator (TPA). In case of a medical emergency, you can call on these numbers for queries, clarifications and for seeking any kind of assistance.
Moreover, you need to display your health card at the time of admission into the hospital.

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Information on erstwhile Bharti AXA health insurance
Bharti AXA GIC is now a part of ICICI Lombard

Better Together

What if I am an erstwhile Bharti AXA health insurance customer?

Why should I go for ICICI Lombard Complete Health Insurance policy?

Complimentary health checkup

Wellness program

Quick claim settlement

Network hospitals

Impressed already? Get your quote for ICICI Lombard Complete Health Insurance here.

How can I renew my erstwhile Bharti AXA health insurance?

Below are the steps to renew your policy

How can I claim under my erstwhile Bharti AXA health insurance?

Frequently asked questions for the existing customers of erstwhile
Bharti AXA health insurance.

If I have a health policy under the name of erstwhile Bharti AXA General Insurance, which branch should I visit post-transaction?

What if I have raised the claim request before the demerger? Will the transaction have an impact on it?

Has the process of resolving grievances changed following the demerger? If yes, who should I contact if I have a complaint as a customer?

Will this transaction influence my existing health insurance benefits such as pre-existing cover, cumulative bonus etc.?

In whose name should I write the cheque while renewing my health insurance policy?

Will the terms and conditions of my health insurance policy be changed as a result of the merger?

Do I have to apply for a new policy document or will the one I already have under the name of Bharti AXA General Insurance be valid after the transaction?

Is it possible to pay my Bharti AXA health insurance premiums online?

What if I want to make any changes in my erstwhile Bharti AXA health policy? Will I be allowed to do so?

Yes, you, as well as other policyholders holding health insurance policies under the name of Bharti AXA General Insurance, can request modifications by contacting our executives on our toll-free number 1800-103-2292 or writing to us at customersupportba@icicilombard.com.

What network hospitals option do I have as an existing customer of erstwhile Bharti AXA General Insurance?

Being a customer of erstwhile Bharti AXA General Insurance, is there any way I can contact the ICICI Lombard support team?

Bharti AXA health insurance policyholders can reach us through any of the following methods:

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