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Get cashless approval within 4 hours* with ICICI Lombard’s ​Complete ​Health ​Insurancemsg

With ICICI Lombard’s Complete Health Insurance policy, you are assured cashless approval within 4 hours. This lets you avail timely medical services without worrying about the finances, at any of our 3600+ network hospitals.

7 reasons to buy ICICI Lombard Complete Health Insurance

  • member

    Enjoy tax benefits

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

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    Secure wellness, health and maternity expenses

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

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    Get free value-added services

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    In addition to coverage benefits of your policy, you also get access to an online chat with a doctor, free health check-ups and e-consultations to help you stay fit and healthy

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    Secure health costs for as long as you live

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    With our lifetime renewal facility, there is no upper age limit to your policy. Continue to renew it and stay protected from medical expenses

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    Now reset your sum insured up to 100%

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    Once in a policy year, your sum insured amount will be reset up to 100%

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    Get cover for alternative therapies with AYUSH

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    Get covered for Ayurveda, Unani, Siddha and Homeopathy (AYUSH) treatment while you are hospitalised

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    We guarantee on time claim service

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    Get a quick response: for cashless claims in 4 hours and reimbursement claims in 14 days

critical_illness

Cashless Hospitalisation Facility For Your Health Insurance Claim

Read Article
tax_benefit

Tax Deduction of Health Insurance Premium

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Why ​Do ​You ​Need ​Critical ​Illness ​Insurance?

Medication and treatment costs for critical illnesses can be huge; however, a bit of prudent planning helps.

See More
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Understand your Complete Health Insurance policy coverage

Your policy covers:

  • Medical expenses incurred during hospitalisation for more than 24 hours, including room charges, doctor/surgeon’s fee, medicine bills, etc.
  • Medical expenses incurred 30 days prior and 60 days post hospitalisation
  • Day-care expenses for advanced, technological medical surgeries and procedures requiring less than 24 hours of hospitalisation (including dialysis, radiotherapy and chemotherapy)
  • Pre-existing diseases, but after 2 years / 4 years of continuous coverage with the Company*
  • Life Long Renewability: The policy provides life - long renewal
  • Floater Benefit: Floater cover to get family (self, spouse, dependent parents, dependent children, brothers and sisters) covered for the same sum insured under a single policy by paying one premium amount. Any individual above 3 months of age can be covered under the policy provided 1 adult is also covered under the same policy
  • Additional Sum Insured: An Additional Sum Insured of 10% of Annual sum insured provided on each renewal for every claim free year up to a maximum of 50%. In case of a claim under the policy, the accumulated Additional Sum Insured will be reduced by 10% of the Annual Sum Insured in the following year
  • Policy period: Option of choosing 1 or 2 year policy period under various plans offered
  • Cashless Hospitalisation: Avail cashless hospitalisation at any of our network providers / hospitals. A list of these hospitals / providers is available on our website www.icicilombard.com
  • Free Health Check - up: The customer is entitled for a Free Health Check - up at designated centers. The coupons would be provided to each Insured for every policy year, subject to a maximum of 2 coupons per year for floater policies
  • Tax Benefit: Avail tax deduction on premium paid under health insurance policy as per applicable provisions of Section 80D of Income Tax Act, 1961 and amendments made there to
  • Pre - Policy Medical Check - up: No medical tests will be required for insurance cover below the age of 46 years and Sum Insured up to `10 Lakhs
  • Free Look Period: Policy can be cancelled by giving written notice within 15 days of receiving the policy
  • Reset benefit: We will reset up to 100% of the Sum Insured once in a policy year in case the sum insured including accrued additional Sum Insured (if any) is insufficient as a result of previous claims in that policy year
  • In Patient AYUSH Treatment: Expenses for Ayurveda, Unani, Siddha and Homeopathy (AYUSH) treatment only when it has been undergone in a government hospital or in any institute recognised by the government and / or accredited by Quality Council of India / National Accreditation Board on Health
  • Emergency Ambulance Cover: Reimbursement up to `1,500 per hospitalisation for reasonable expenses incurred on availing an ambulance service offered by a hospital / ambulance service provider in an emergency condition
  • Wellness Program: Our wellness program intends to promote, incentivise and reward you for your healthy behavior through various wellness services. All the activities as mentioned in the desired section help you earn wellness points which will be tracked by us

Optional add-on covers:

Optional Cover 1

Sum Insured(`)   3 lacs/ 4 lacs/5 lacs 7 lacs/ 10 lacs
Hospital Daily Cash `1,000 per day `2,000 per day

Hospital Daily Cash: A certain amount (as per the plan chosen) will be paid for each and every completed day of hospitalisation, if such hospitalisation is atleast for a minimum of 3 consecutive days and subject to maximum of 10 consecutive days.

Convalescence Benefit: A benefit amount of `10,000 per insured once during the policy period will be paid in case of hospitalisation arising out of any injury or illness as covered under the policy, for a period of consecutive 10 days or more.

Optional Cover 2

Outpatient Treatment Cover: Reimbursement for the medical expenses incurred as an Outpatient (OPD).

Maternity Benefit: Reimbursement for medical expenses incurred for delivery, including a cesarean section, during hospitalisation or lawful medical termination of pregnancy during the policy period. The waiting period for maternity cover is 3 years. The cover shall be limited to 2 deliveries / terminations during the period of insurance. Pre - natal and Post - natal expenses shall be covered under this benefit. This cover is applicable only for floater plan having Self and Spouse in the same policy.

New Born Baby Cover: The new born child can be covered under this policy during hospitalisation for a maximum period upto 91 days from the date of birth of the child. This cover will be provided only if maternity cover is opted.

Wellness and Preventive Healthcare: All the expenses pertaining to routine health check - ups and for other wellness and fitness activities taken by you will be reimbursed.

Optional Cover 3

Critical Illness Cover: The customer can opt for Critical Illness Cover covering specified Critical Illnesses / medical procedures like Cancer of Specified Severity, First Heart Attack - of Specified Severity, Open Chest Cabg, Stroke Resulting in Permanent Symptoms, Permanent Paralysis of Limbs, Kidney Failure Requiring Regular Dialysis, Major Organ / Bone Marrow Transplant, Multiple Sclerosis with Persisting Symptoms, Open Heart Replacement or Repair of Heart Valves, Coma of specified severity. A benefit amount is paid up on the diagnosis of the chosen critical illness.

Donor Expenses: Reimbursement up to `50,000 for such medical expenses as incurred by the organ donor for undergoing any organ transplant surgery for your use.

*Conditions apply

Voluntary Deductible

Notwithstanding anything to the contrary in the Policy, it is hereby expressed and agreed that You have voluntarily opted for a Deductible, as specifically appearing in the Policy Schedule, in consideration for a reduction in premium amount payable for this Policy.

Deductible will be applicable for each and every Claim during the Policy Year before it becomes payable by Us under the Policy. Subject otherwise to the terms, conditions and exclusions of the Policy.

Refer to the Policy Wordings document to understand exactly what all your policy covers, so you can benefit from it better.

Your policy does not cover:

  • An illness that you contract within 30 days of the starting date of your policy, except those that are incurred as a result of an accident. This clause is not applicable on the subsequent renewals.

For the first 2 years, some diseases like cataract, hernia, stone in the urinary system and others will not be covered.

Exclusions valid for the first 2 years

Treatment of the following diseases/illness/ailments

  • Cataract #
  • Benign prostatic hypertrophy
  • Myomectomy, hysterectomy unless because of malignancy
  • Hernia and hydrocele
  • Fissures and/or fistula in anus, hemorrhoids/piles
  • Joint replacement, unless due to accident
  • Sinusitis and related disorders
  • Stone in the urinary and biliary systems
  • Dilatation and curettage, endometriosis
  • All types of skin and all internal tumours/cysts/nodules/polyps of any kind, including breast lumps, unless malignant
  • Dialysis required for chronic renal failure
  • Surgery on tonsils, adenoids and sinuses
  • Gastric and duodenal erosions and ulcers
  • Deviated nasal septum
  • Varicose veins/varicose ulcers

If the policy is renewed with us for two consecutive years, the above diseases / illness / ailments will be covered from the third year.

# Any claim for cataract treatment shall not exceed ` 20,000 per eye, during each policy year after 2 years from the policy start date.

## 4 years for sum insured up to ` 2 lakhs.

Pre-existing diseases, non-allopathic treatments and some other expenses are permanently excluded from being covered.

Permanent exclusions

  • Any illness/ disease/ injury/ pre-existing disease before the inception of the policy. However, this exclusion ceases to apply if the policy is renewed with the company for two consecutive years for sum insured of `3, 4, 5, 7, 10 lakhs and ` 2 lakhs if the policy is renewed for 4 consecutive years
  • Non-allopathic treatment, pregnancy and childbirth related complications, cosmetic, aesthetic and obesity related treatment
  • Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs as well as intentional self-injury
  • War, civil war or breach of law
  • Naturopathy treatment, acupressure, acupuncture, magnetic and other such therapies
  • Treatment taken outside the country
  • Any expenses arising out of domiciliary treatment

It’s always a good idea to be aware of what is excluded from your policy; so make sure you read the Policy Wordings

Read More

ICICI Lombard Complete Health Insurance
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Check your eligibility for Complete Health Insurance

  • If you are above 18 years of age, you can buy the Complete Health Insurance policy for yourself and your family members, children and parents
  • If you want your child to be covered under the family floater, your child should be more than 3 months of age and in case you are buying an individual policy for your child, he or she should be more than 6 years of age
  • A policy bought to cover children aged between 3 months to 5 years, should necessarily cover at least one adult too
  • Children have to be more than 91 days old to be eligible for the policy
  • If you are buying the policy for an individual who is more than 46 years of age, he or she will need to undergo a medical test at our designated diagnostic centres
  • You can avail income tax benefits under Section 80D, only on policies bought for self, spouse, parents and dependent children

ICICI Lombard Complete Health Insurance

ICICI Lombard Complete Health Insurance is one of the best family floater health insurance policies in India. ICICI Lombard Complete Health Insurance is a comprehensive plan designed to cover your and your family’s health care expenses during planned or emergency hospitalizations and treatments. It offers health insurance for senior citizens, along with add-on* covers such as Outpatient Treatment, Wellness and Preventive Healthcare and Maternity & New Born Baby Cover.

ICICI Lombard Complete Health Insurance covers various healthcare expenditures to ensure your family’s well-being for you to enjoy a secure, stress-free life. Avail Cashless Hospitalization, Floater Benefit, Lifelong Renewability, Tax- Benefit**, Free Health Check-up coupons, Emergency Ambulance Cover, In patient AYUSH Treatment (Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homeopathy), and Wellness Program.

*Available on payment of additional premium

** Tax disclaimer: Deduction under section 80D is as per applicable provisions of the Income Tax Act, 1961 and amendments made thereto

All the benefits mentioned here are indicative, for complete and detailed information on features, terms and conditions kindly read policy wordings carefully.

Explore our simple, hassle-free claims process

Cashless Claims

Reimbursement Claims

Other Third Party Administrator Claims – Cashless

Other Third Party Administrator Claims – Reimbursement

  • NOTE:

    • 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

    Get answers to common queries about complete health insurance

    • GENERAL
    • COVER
    • PREMIUM
    • CLAIMS
    • POLICY

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

    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.

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

    There is no maximum entry age limit to apply for a complete health insurance plan. However, there are some conditions:

    • Applicant should be 18 years of age
    • Minimum age for children is 91 days (floater option) and 6 years (individual cover)
    • Applicants more than 46 years of age will have to undergo medical tests

    How much health insurance coverage do I need?

    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.

    Why do I need health insurance?

    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 .

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

    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

    What is No Claim Bonus (NCB)?

    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.

    What do you mean by annual sum insured?

    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.

    What do you mean by waiting period?

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

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

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

    What do you mean by pre-existing disease?

    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) 

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

    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.

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

    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.

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    What if I undergo treatment for any illness overseas?

    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.

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    Will I get covered for my pre-existing illnesses?

    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 .

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

    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 .

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

    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.

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    What are the covers offered under Basic Hospitalisation?

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

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

    It refers to payment of the Medical Expenses that you might incur immediately 30 days before and 60 days after hospitalisation.
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    What are the covers offered under Critical Illness?

    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.

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    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):

    Description
    Medical Insurance paid for self, spouse and dependent children (in ₹)
    Medical Insurance paid for parents (whether dependent or not) (in ₹)
    Total deduction under section 80D(in ₹)
    All are under the age of 60 years 25,000 25,000 50,000
    I. Assessee and family are under the age of 60 years
    II. Parents are above the age of 60 years
    25,000 50,000 75,000
    Assessee and parents have attained or are above the age of 60 years 50,000 50,000 1,00,000
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    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 .

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    What parameters are considered for calculating the premium?

    Cover opted (Individual / Floater)
    Age of senior most member
    Sum Insured selected
    Sub limit (if selected)
    Optional covers (add-ons chosen)
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    Whom do I call at the time of an emergency hospitalisation?

    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.

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    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?

    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.

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    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. .

    Read more to learn about the reasons behind claim rejection .

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

    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.

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    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

    • 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
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    What is the process for claim?

    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
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    What are the steps for cash settlement

    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
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    Who should be contacted to make a claim?

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

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    Are all the major corporate hospitals on the network?

    ICICI Lombard has tie-ups with over 3600+ 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 .

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    What does lifelong renewability mean?

    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.

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

    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.

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    What is a Health Card and what are its benefits?

    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.

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

    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.

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    What should I do if my policy expires?

    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.

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

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

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    What is a Health Card?

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

    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.

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    What are the benefits of a health card?

    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.

    Reviews and Ratings

    1527 reviews

    Write a review
    1. Sultana Khan | Feb 27, 2019
      3
      The sales staff at ICICI Lombard is always ready to help, no matter what the issue. I was facing some difficulty navigating the website. As soon as I got in touch with one of your executives, the problem was resolved and I was able to make my purchase. Kudos to the entire team for their professionalism.
    2. Utla Sri Nataraja Venkata Rama Chandra Prabhu | Feb 27, 2019
      4
      My interaction with your representative was fantastic. He convinced me to buy the health insurance policy in the first instance itself by explaining features and benefits like life long renewability and emergency ambulance cover. I am totally satisfied with his services.
    3. Tanushree | Feb 26, 2019
      5
      It was very helpful talking to your representative. She was polite, courteous, knowledgeable, and explained things quickly and properly. The whole process was taken care of within minutes. Thanks a lot, ICICI Lombard.
    4. Sharad Jha | Feb 26, 2019
      5
      It was a great experience interacting with your salesperson. He held knowledge like no other member of the support staff and was able to translate it in a way that made it easy for me to grasp the intricacies of the health insurance plan. Very nicely done.
    5. Harshal Joshi | Feb 25, 2019
      5
      I have two words for your insurance advisor: helpful and knowledgeable. Not only did she know exactly what she was selling, but she also knew how to make the customer feel heard and understood. Her confidence and competence convinced me to go ahead and purchase the plan. Well done!
    6. Kinnari Pandya | Feb 25, 2019
      4
      I had the good fortune of speaking to an awesome executive from ICICI Lombard. She told me all that I needed to know about the mediclaim policy and directed me through every step. I am really thankful for employees like her who make customers' lives easier.
    7. Vipin Kumar | Feb 24, 2019
      4
      I would like to appreciate your agent for the good service, great communication, and fast claim settlement. Thank you for the excellent team work and positive attitude. You are the real partner in need, ICICI Lombard.
    8. Vaibhav Gawari | Feb 24, 2019
      4
      I spoke to your customer care executive over the phone and was impressed by her knowledge. She gave me all the information I needed to make the right decision and buy a health insurance policy that works for me. Thank you for understanding and explaining benefits like life long renewability and cashless hospitalisation.
    9. Ravikumar | Feb 23, 2019
      5
      I can't thank your representative enough for the excellent support she provided when I was looking to buy a health insurance policy. She went beyond her call of duty and made sure I was completely comfortable with the plan inclusions. Seriously well done.
    10. Leela Prasanna | Feb 22, 2019
      5
      I was fortunate to receive excellent support and explanation of the nitty-gritties while buying my mediclaim policy. Thanks to the agent, I now know all about features like reset benefit, free look period, and emergency ambulance cover. Good job!
    11. Siva Kumar Singamsetty | Feb 21, 2019
      4
      The representative was very helpful in answering my queries related to three different health policy renewals. She displayed high levels of energy throughout the call and was empathetic to my needs. She showed a sense of ownership by addressing concerns about the corrections needed in the policy. She's an asset to the organisation. Quite professional and knows her job 100%.
    12. Naresh Kumar Agarwal | Feb 20, 2019
      4
      My experience with ICICI Lombard was good enough to convince me to renew my health insurance policy with them and not any other provider. Please arrange to dispatch my renewal policy card and document on my recently updated address. Thanks a lot.
    13. Suman Kalyan Majumdar | Feb 19, 2019
      5
      Your agent was very patient and helpful. I was thoroughly impressed by her service. Suggestion: please start allowing automatic renewals for existing customers who haven't made a claim as it saves time and effort. It is also important for security and tax purposes.
    14. Amitabh Arunkumar Sen | Feb 18, 2019
      5
      Your customer care associate was very helpful and enthusiastic while guiding me towards the right policy. She explained features like floater benefit, lifelong renewability, and free look period without being prompted. I look forward to a long and healthy association with ICICI Lombard.
    15. Kalyanaraman Raju | Feb 17, 2019
      4
      The agent was knowledgeable, gave clear answers, behaved in a professional manner, and displayed great patience. She helped a senior citizen renew his health insurance policy without showing any signs of haste or restlessness when faced with queries. I am grateful for her support.
    16. Jhuma Patra | Feb 16, 2019
      4
      Incredible service provided by your advisor. I can't describe how easy it was to get a health insurance policy from ICICI Lombard that covers everything important. Thanks a lot. I expect the same quality of service in the future.
    17. Sujit Kumar Mandal | Feb 15, 2019
      5
      ICICI Lombard has an excellent support staff that actually cares about the customer's problems and needs. The agent I spoke to was nice and helpful throughout the whole process of buying a suitable health insurance policy for me and my family.
    18. Aditya Kumar Singh | Feb 14, 2019
      5
      The executive I interacted with helped me buy a good health insurance plan. She provided all the necessary information and put my requirements above everything else. I am highly satisfied with her customer-centric approach and service. Thanks a lot!
    19. Manesh Pillai | Feb 13, 2019
      4
      The representative was professional and patient in dealing with my issues. I was able to find a better deal on the health insurance policy through my interaction with him. Well done, and thanks a lot!
    20. Chhavi Sadh | Feb 12, 2019
      5
      Very professional and helpful. The agent was able to solve my queries while conferencing with other departments and staying on call with me to renew the policy. He also directed me to the right people for raising requests. Thanks for the great customer service. A delightful experience as compared to other insurance companies.
    21. Dushyant Malhotra | Feb 11, 2019
      4
      Your insurance advisor was very nice and informative. She gave out each and every detail of the policy and was ready with answers to all my follow-up questions. I wish her all the best for her future.
    22. Bhavesh Gharat | Feb 10, 2019
      5
      I bought a mediclaim policy for family recently and was looking forward to receiving my policy card and certificate. The agent made it happen in no time and without a fuss. Appreciate all the help.
    23. Neelam Gujral | Feb 09, 2019
      5
      I got the required information from the agent, which helped me make the right call about the kind of mediclaim policy I wanted for my family. He gave me a detailed description of all the inclusions that come with the plan, such as cashless hospitalisation and reset benefit.
    24. Jàgan Reddi | Feb 08, 2019
      4
      The information provided by the salesperson was pretty straightforward and easy to grasp. I would like to appreciate her for her pleasant demeanour, positive attitude, and clear communication, which helped me understand benefits like in patient AYUSH treatment and wellness programmes. Thanks a lot.
    25. Rohit Kumar | Feb 07, 2019
      5
      The agent possessed excellent knowledge of products and had the right approach when it came to explaining the mediclaim policy. The overall transaction was more than satisfactory. I am glad to be a part of the ICICI Lombard family.
    26. T.V. Prasad Babu | Feb 06, 2019
      5
      Your insurance advisor was rather competent. He was able to explain all the details of the policy clearly and resolve my queries without hesitation. He was very polite, which made my interaction with him a pleasant one. Thanks a lot.
    27. R.M. Manju | Feb 05, 2019
      4
      The sales executive I spoke with provided all the knowledge she had about the product. She outlined every feature and benefit, including lifelong renewability, free look period, and emergency ambulance cover. Overall, a good interaction.
    28. Vilma Vinjo | Feb 04, 2019
      5
      Renewing my health insurance policy with ICICI Lombard was an absolute breeze. The individual I spoke with was very patient and guided me through the process. Really happy with my experience.
    29. K. Senthil Kumar | Feb 03, 2019
      5
      My entire interaction with ICICI Lombard's customer service team was absolutely amazing! The executive I spoke to spent a lot of time explaining all the benefits of the health insurance policy to me, including the life long renewability feature. A 5-star experience!
    30. Vigneshwara Bhatta | Feb 02, 2019
      4
      Purchasing a health insurance policy from ICICI Lombard was super easy, all thanks to the help of the excellent customer care team. The representative I spoke with explained all the benefits to me, especially the family floater benefit. She was really efficient and good.
    31. Md. Gousuddin | Feb 01, 2019
      5
      I had a number of queries regarding ICICI Lombard's health insurance policies. Thankfully, the customer care executive I spoke with was able to answer every single one of them. He was incredibly polite and very cooperative. He explained the various options available to me and recommended the best option based on my requirements. Thanks!
    32. Anita Shah | Jan 30, 2019
      5
      Purchasing health insurance from ICICI Lombard was a simple and easy process. The customer care employee I spoke to had a wealth of knowledge about the product and even detailed the importance of taking add-on cover for outpatient treatments as well. I was able to get the information required and make a decision very quickly. Thanks.
    33. Sunil Kumar | Jan 29, 2019
      4
      I have to commend the employee who explained all the important details of the family floater health plan to me. He was very prompt in responding to me and gave me proper explanations for all my doubts. Thanks a lot.
    34. Naleen Razdan | Jan 28, 2019
      4
      In order to better understand the health insurance renewal process, I contacted ICICI Lombard's customer centre. The interaction I had with them was incredibly helpful. They explained the renewal process to me and I'm very happy with the service I received.
    35. Raveendra Reddy Padala | Jan 27, 2019
      5
      While looking for a good health insurance policy, I had the good fortune of connecting with ICICI Lombard's customer care team. The employee's pleasant demeanour and professionalism impressed me greatly. The way she explained the health insurance policy to me convinced me that this was the right decision.
    36. Ram Charan | Jan 26, 2019
      5
      Your executive was an excellent speaker and great at her job. It didn't take her very long to convince me of the benefits of buying your health insurance policy, such as reset benefit, free look period, and emergency ambulance cover among many others. I am satisfied with the service.
    37. Paresh | Jan 25, 2019
      1
      I have updated my payment details for online policy renewal, but there hasn’t been a response from your website yet. Hope to hear from your team soon and have the same hassle-free experience I did when I was buying the mediclaim policy.
    38. Srinivas Rao Adimulam | Jan 24, 2019
      4
      Your representative did an excellent job of answering my queries. She also took the time to walk me through all the inclusions of the mediclaim policy, such as cashless hospitalisation and reset benefit. My feedback is positive.
    39. Anupama Karkera | Jan 23, 2019
      5
      Excellent service. Both your agents who helped me out were professional, prompt, and precise in all their follow-ups. They even provided me with the correct guidance to make the best choice in health insurance. I am happy to have chosen ICICI Lombard.
    40. Samir Saini | Jan 22, 2019
      4
      Thanks to the timely follow-up from your customer service representative, I was able to renew my health insurance policy on time. She gave me the space and time to make the decision on my own. The information she provided about the renewal was also accurate.
    41. Mayank | Jan 21, 2019
      5
      The guidance I received from the salesperson was proper, and the features and benefits of the health insurance plan were explained in great detail. She even took the time to resolve my queries and make sure we were on the same page. I am happy with the service rendered by ICICI Lombard.
    42. Vijay | Jan 20, 2019
      4
      The sales executive helped me a lot while renewing my mom's mediclaim policy. She guided me each and every step of the way, even while processing the payment. Grateful to her and ICICI Lombard for all the efforts.
    43. Tanushree Singh | Jan 19, 2019
      5
      The professional and friendly behaviour of the customer care executive made the policy-buying process a lot smoother than it otherwise would have been. Her explanations were seriously helpful and guided my decisions. Thanks to her, I was able to buy the best mediclaim policy for family.
    44. S.S. Mhaskar | Jan 18, 2019
      4
      Excellent support and guidance by your executive. She was thoroughly knowledgeable about the health insurance plans at ICICI Lombard and took me through features and benefits like life long renewability and emergency ambulance cover. Grateful for all the help.
    45. Anshul Rohatagi | Jan 17, 2019
      5
      The staff at ICICI Lombard provides excellent support to customers. I was given all the right information regarding the mediclaim policy for family and was guided through the entire payment process right till the end. Great job!
    46. Francis | Jan 16, 2019
      5
      Hi. I wanted to share my experience with ICICI Lombard. Your agent was really good in terms of explaining the features and benefits of the medical insurance. He familiarised me with inclusions like life long renewability, floater benefit, and free look period. Congrats on a job well done!
    47. Vindhya Prakash Srivastava | Jan 15, 2019
      4
      From what I could gather in my brief interaction with your representative, she really understands the ins and outs of the product. She was able to answer all my queries to satisfaction and guide me to the best health insurance plan. I appreciate the suggestions she gave, as they were perfectly suited to my requirements.
    48. Neeraj Kumar | Jan 14, 2019
      4
      I had to renew my health insurance policy, so I got in touch with ICICI Lombard's customer care team. The representative offered great support. She explained the entire process to me, allowing me to complete the transaction very quickly.
    49. Deval Ravindra Nanavati | Jan 13, 2019
      5
      I bought health insurance from ICICI Lombard, and I am absolutely satisfied with the kind of service I received from the customer care team. The executive I spoke with carefully explained the health insurance benefits, making me feel completely at ease with my purchase.
    50. V. Gurudatta Prasad | Jan 12, 2019
      5
      I was looking for a good health insurance policy, and I'm glad I found ICICI Lombard. The customer service representative explained the policy to me in great detail. He mentioned the additional covers I could benefit from, such as outpatient treatment and preventative healthcare. He was so convincing, I bought the policy on the spot!
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      “My 2 year daughter was admitted in the hospital due to high fever and this was my first experience with ICICI Lombard claim and I have to te... ”

      Joe Cherian - Regional Manager - Chennai

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      “Appreciate your quick response to my recent follow up for my insurance policy. I got my policy certificate within hours of the same day. ”

      Haridas Fopalan - Senior Purchasing Officer Ali & Sons Contracting Co. LLC Abu Dhabi

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      “Good and timely response for claim settlement. Contrary to the agents who are behind the customer for policies and run away from responsibil... ”

      Prafulla Sarode - CSA Elcom Innovations Pvt. Ltd. Faridabad

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      “No.1. General Insurance Company, which has no lengthy process to clear the claims. Hope it will continue for years & years. All the best. ”

      Ajay Vrindavan Gupta - Operation Manager Seshaasai Business Forms Pvt. Ltd. Mumbai

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      “I like the customer friendly policies and the employee friendly environment ”

      M T Cosca - Education Promotion Services INCIDE Academy Nagercoil

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      “We have good experience up till now. Good feed back. ”

      Kanu Parekh - Owner Yogi Plastics - Sangli

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      “Your service support and network is very good ”

      Gaurang Desai - Manager manufacturing Tulip Group Goa

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      “I have been a customer of ICICI Lombard and very happy with the service provided and cashless hospitalisation with no worries and now I have... ”

      Shamin Mohan - Proprietor Preciaso world of interiors Kochi

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      “Extremely pleased with ICICI Lombard and cannot thank the support staff enough for smooth cashless hospitalization of my son and subsequent ... ”

      Satyanarayan Dash - Sr. Manager Zee Entertainment Enterprises Ltd Kolkata

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      “I have had one experience recently (January-February 2016) with ICICI Lombard. Based on this one experience my comment is as follows: Though... ”

      Sudheer Mehta - Baroda

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      “I am associated with you since 4 years. During this period I did not face any problem. My policies are getting renewed immediately, the clai... ”

      Jaweed Aslam Ahmed Shaikh - Technical Project Manager Mumbai

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      “Excellent service..strict timelines..flawless..I would never change my policy even if I have to pay a few extra bucks. Already referred to v... ”

      Ravindra Choudhary - Sales Manager - American Express New Delhi

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      “E​xtremely h​appy. V​ery ​satisfied ​with your express ​settlement of claims. My ​experience ​with you is ​unique ​as compared with others. ... ”

      Dilip V Bhide - Nagpur - Proposer

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      “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-wheeler... ”

      Pawan Kabra - IT Professional - Surat

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      “Thanks for the very quick and immediate settlement of my hospital expenses reimbursement claim on 17th Feb 2016, Even though it t... ”

      R Krishnamoorthy - Bangalore - Retired Deputy General Manager, BSNL

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      “Good experience as positive and prompt response received. Expect to maintain and further improvement in meeting needs. ”

      Ashish Roy Chowdhury - CEO Burnpur Cement Ltd Kolkata

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      “I renewed my health and motor policy on icicilombard.com and it was a seamless experience. On my previous policy, I had registered a claim l... ”

      Belson Coutinho - Vice President - Jet Airways (India) Ltd - Mumbai

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      “It has been a great feeling to be a customer of ICICI Lombard. I have their complete health insurance policy and I am happy with it. This is... ”

      Anshul Thakur - Manager Maruti Suzuki,Delhi

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      “I was looking for tax saving options a couple of weeks back and one of my friend suggested health insurance. Since I already have a health i... ”

      Aditya Mishra – Lawyer Mumbai

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      “I found out about ICICI Lombard from my friend and looked up their website. I read about mediclaim policy and called them on 1800 2666 to kn... ”

      Gaurav Yadav - Manager at TheBooks

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      “I landed on your website while researching for medical insurance and was impressed by the benefits of your health insurance. I called the ca... ”

      Janmang Davda - Product Manager Mumbai

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      “I bought your health policy last year and it was good experience at that time. This year I raised a claim due to minor accident and your sta... ”

      Abhishek Parikh - Co-founder at The Bundlers

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      “I was looking for a health insurance policy for my parents and took a quote on icicilombard.com. The team followed up with me regularly and ... ”

      Raghav Grover - Manager – Client Solutions at Aspiring Minds Gurgaon

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      “One of my colleagues suggested that ICICI Lombard has a good policy when it comes to health/mediclaim insurance. I did my research and found... ”

      Arnab Sinha - Manager at Bluestar

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      “The service from the call center and the team is praise worthy. They convinced me to go for health booster product so that I can increase my... ”

      Sushant Kaw- Vice Chairperson at Gnaritas Fest

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      “I researched for a health insurance scheme on the internet and read about Complete Health Insurance offered by ICICI Lombard. The product fe... ”

      Nikunj Gulati - Deputy Manager - Exide Life Insurance Mumbai

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      “The product complete health insurance is suitable for an individual like me who has just started working. I was satisfied with the inclusion... ”

      Pushpendra Parashar - Relationship Manager HFFC Kolkata

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      “One of my friends introduced me to the concept of health insurance and I am glad he did as this one of the best investment I have made in my... ”

      Pratul Mahajan - Take over Manager Club Mahindra Mumbai

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      “I am already a customer of ICICI Lombard for a long time. I have health, car and two wheeler insurance with them. Last year I had a baby gir... ”

      Sandesh Jadhav -Marketing Manager -Mumbai

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      “ICICI Lombard has one of the best health policies available. I did a lot of comparison over the last year and found this to be the best one.... ”

      Saurabh Vaity – Marketing Manager Ahmedabad

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      “I am satisfied with the plan I have taken from ICICI Lombard for my health insurance. It has covered my young family. The service is good an... ”

      Hafiiz Shaikh – Mumbai

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      “I have just started working and read about tax planning. For my tax saving I decided to buy an ICICI Lombard health insurance policy. The bu... ”

      Kamlendra Singh – Mumbai

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      “While researching for mediclaim policies online, I came across complete health insurance and health booster from ICICI Lombard. After going ... ”

      Jai Dhonde – Gati Mumbai

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      “I was researching online for health insurance top up policy to increase sum assured for my existing policy which is through my firm. I read ... ”

      Aman Sharma - Reliance Communications Mumbai

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      “Since I am newly married, I researched for a lot of health policies which would cover me and my husband. Spoke to the team at icicilombard.c... ”

      Soniya Sanap - Senior Research Manager Kantar Worldpanel Mumbai

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      “I believe in natural treatment for diseases and illness and feel that anything can be cured using Ayurveda. It came as an instant delight wh... ”

      Neha Patel - Associate Manager Nielsen Mumbai

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      “I had a great call with the team at Lombard on the toll free number. They explained all inclusions and exclusions of their health policy whi... ”

      Pravin Kumbhar - Deputy Manager at Ashida Electronics Mumbai

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      “I have used ICICI bank site for online purchase of Health Insurance for my family. It was a nice experience and I enjoyed it. I could get de... ”

      P.D. Kulkarni - Bank Manager - Mumbai

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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

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      “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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      ICICI Lombard General Insurance Ltd. is one of the largest private sector general insurance company in India offering insurance coverage for motor, health, travel, home, student travel and more. Policies can be purchased and renewed online as well. Immediate issuance of policy copy online.
      ICICI trade logo displayed above belongs to ICICI Bank and is used by ICICI Lombard GIC Ltd. under license and Lombard logo belongs to ICICI Lombard GIC Ltd assigned by Northbridge Financial Corporation solely for the territory of India. Insurance is the subject matter of the solicitation. The advertisement contains only an indication of cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. ICICI Lombard General Insurance Company Limited, ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400025. Reg. No.115. Fax no - 022 61961323. CIN: L67200MH2000PLC129408.
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