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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

    1573 reviews

    Write a review
    1. Alok Gupta | Mar 26, 2019
      5
      Excellent discussion with the agent from ICICI Lombard. It led to me buying the health insurance policy because I was confident in her judgement and understanding of my needs. I would like to rate her 10 out of 10 for the wonderful support.
    2. Rakesh Kumar Tiwari | Mar 26, 2019
      4
      The executive was clear in her communication. She knew the product well and convinced me to enhance my sum insured with her logic. This is the first time someone from the organisation spoke to me with clarity about the product. I'm sure whatever is explained to me will appear in the policy document, which I am yet to check.
    3. Manoj Kumar V. Bhatt | Mar 25, 2019
      5
      I am highly impressed with the service rendered to me by your sales agent. He behaved in a professional manner throughout our interaction and listed enough upsides of the policy to convince me to make the purchase. He also had excellent communication skills, which made my decision easier.
    4. Josh K.J. | Mar 24, 2019
      5
      It was nice talking to your customer care executive. He was encouraging and understanding. I got all my doubts cleared and am happy about the product I purchased. Thanks for the support from your team, ICICI Lombard.
    5. Geetanjali Rao Sambangi | Mar 24, 2019
      5
      Your agent helped me out with the process of buying a new health insurance policy. He also clarified my doubts and explained all the features and benefits. I specifically bought the plan because it offers in patient AYUSH treatment and emergency ambulance cover.
    6. Pralay Krishna Mazumder | Mar 23, 2019
      4
      Very good way of explaining the details of the health insurance policy. The advisor gave me all the information I needed to make a decision. I am happy to have chosen ICICI Lombard as my insurance provider. Thanks for all the help.
    7. Nishant Donde | Mar 23, 2019
      4
      Excellent service provided by the representative. Our interaction went really well and cleared all my doubts about the health insurance cover. By the end, I was convinced to buy it based on merits like cashless hospitalisation and life long renewability.
    8. Marimuthu G. Velalar | Mar 22, 2019
      5
      I received flawless support from your salesperson when I approached ICICI Lombard to buy a health insurance policy. He was completely supportive of my needs and helped me fufil them by advising me on the right plan. My overall experience with him as well as the organisation was worthy of five stars.
    9. Vaishnavi Sawant | Mar 22, 2019
      5
      Had one of the best experiences ever with the customer care department of an organisation. The agent was very precise while giving out information about the mediclaim policy and made sure the one he persuaded me to buy aligned with my requirements. Please continue serving people with the same enthusiasm and care.
    10. Arnold Donovan | Mar 21, 2019
      4
      Very helpful interaction. I learned everything I needed to know about the health insurance policy before making a decision. The agent was polite, friendly, and incredibly supportive. Happy to have ICICI Lombard as my insurance provider.
    11. Solomon | Mar 21, 2019
      4
      Good experience at ICICI Lombard. The agent listened to me and understood my needs before making any suggestions about the mediclaim policy. I am glad that it was a wonderful interaction. Thanks a lot.
    12. Virender Goel | Mar 20, 2019
      5
      Had a very good interaction with your representative. She explained all the details very well. I had a few queries about the process, but it didn't take her very long to resolve them. I appreciate her service.
    13. B. Prabhakar | Mar 20, 2019
      4
      Excellent interaction. She was confident in her knowledge and provided all the answers I was looking for. Her communication skills and intelligence helped me believe that this was the right plan for me.
    14. Kumar Avishek | Mar 19, 2019
      5
      The agent helped me buy the health insurance policy in a hassle-free way. I genuinely never expected to buy a comprehensive plan with such ease, but thanks to him, I was able to get my whole family insured in practically no time. Thank you for convincing me and supporting me through the process.
    15. Jogesh Niwalkar | Mar 19, 2019
      5
      Generally, I don't write reviews. But people like the executive at ICICI Lombard deserve words of appreciation. She was very polite and patient. I believe she is an asset to your organisation. Thanks for all the support.
    16. Srinivas Nagaraja | Mar 18, 2019
      5
      I had a good interaction with your representative regarding the health insurance policy. He was able to explain the product details clearly, which helped me decide to buy it. He also called me back whenever I had a query prior to issuing the plan. I will not hesitate in recommending ICICI Lombard for insurance.
    17. Tanveer | Mar 18, 2019
      5
      I had a very informative discussion with your salespersons regarding the mediclaim policy for family. They were willing to explain each and every inclusion at length and spend as much time as it took to satisfy my queries. I am impressed by their diligence and confident in their ability.
    18. Ravi Ranjan | Mar 17, 2019
      4
      I am satisfied with the service provided by your agent. She made sure I wasn’t confused about any of the policy features and benefits and clarified all my doubts in an instant. I couldn’t have asked her for more. Great job!
    19. Raju | Mar 16, 2019
      5
      The executive was a nice guy. We had a fantastic interaction, during which he shared his knowledge about the inclusions and exclusions of the policy. He was transparent, polite, and an utter professional with a friendly attitude. Looking forward to more discussions like this.
    20. Adibabu Vemavarapu | Mar 15, 2019
      5
      Very happy with your team member who convinced me to buy the health insurance policy. He had good knowledge on the products and provided me with all the information I needed. Thank you so much for the support and guidance.
    21. Abhishek Parihar | Mar 15, 2019
      5
      My experience with the agent who sold me the health insurance policy was very satisfying. He explained several plans in great detail and knew everything there was to know about each product. He really impressed me with his brilliance and made the purchase process easier.
    22. Palash Patra | Mar 14, 2019
      5
      I think ICICI Lombard's iHealth policy is the best product in the market. I would like to request a few upgrades, such as organ donor, air ambulance, good health returns, and regular health check-ups. Thank you for guiding me to this plan. Keep it up. 
    23. Shekhar | Mar 14, 2019
      4
      The agent showcased her excellent communication skills during hour interaction about the health insurance policy. She was articulate while telling me about features and benefits like free look period, life long renewability, and cashless hospitalisation. Thanks for getting me in touch with her.
    24. Sourabh Banerjee | Mar 13, 2019
      5
      The agent at ICICI Lombard was extremely knowledgeable and had a good attitude towards me as well as his job. It was a pleasure to interact with him and learn about the various terms and inclusions of the policy. 
    25. Kumar Ganesh | Mar 13, 2019
      5
      I was living with the misconception that I didn't need a health insurance policy because I was fit and fine. However, after talking to you agent, I am glad to have a cover. She gave me a fabulous explanation of the product, because of which I made the purchase. Superb work, deserves a pat on the back.
    26. Ajju Antony | Mar 12, 2019
      5
      Initially, the agent helped me clear my queries about the health insurance policy and its add-on covers. Once I opted for them, they were not reflecting in the plan. I went to her with the problem and she explained the way around it immediately. Thanks for the swift response.
    27. Vishal Palla | Mar 12, 2019
      4
      Your representative was extremely helpful in buying insurance for my parents. The way he communicated inspired confidence in the company and made me feel at ease. He was a major part of my decision to go ahead with ICICI Lombard. The best part was he followed up even after the sale to help with other formalities. Overall, a great experience.
    28. Vishwanath P. | Mar 11, 2019
      5
      Your representative was very good at providing information related to the health insurance policy and telling me about its benefits. She was polite, clear, and overall an excellent salesperson. I truly enjoyed talking to her.
    29. Jagnarayan R. Chowdhary | Mar 11, 2019
      5
      I am quite satisfied by the information shared by your executive. He told me explicitly about the importance of inclusions such as cashless hospitalisation, reset benefit, and free look period. Grateful to him and the organisation for simplifying a complex procedure.
    30. Himanshi P. Chaurasia | Mar 10, 2019
      4
      The service I received from your customer support employee was good. She clarified all my doubts and acquainted me with important features and benefits of the health insurance policy such as cashless hospitalisation and emergency ambulance cover. Wonderful assistance, thank you.
    31. Gargie Rajmohan | Mar 09, 2019
      5
      The representative I interacted with is testament to the fact that having a good product is not enough unless the salesperson knows what to do. He knew exactly what to do and how to approach me, which is why I am now the proud owner of a health insurance policy that fits my needs. Thanks for all the help.
    32. Ravindar Asani | Mar 09, 2019
      4
      Your website was easy to browse and quick in usability. I was even able to contact one of your agents and get some help on the purchase of the health insurance policy. Congratulations on a job well done!
    33. Kumarasamy Manickavasagam | Mar 08, 2019
      5
      My interaction with the representative was good. He was patient throughout the call and answered all my queries in great detail without batting an eyelid. He was competent, smart, and a professional through and through. Really appreciate it.
    34. Deepika | Mar 07, 2019
      5
      The executive seemed very helpful on the call. She answered all my queries in a satisfactory manner and guided me through the process of purchasing health insurance on the website. I would like to rate her service 5 stars.
    35. Kumar Saket | Mar 07, 2019
      5
      Thanks to the proactive nature of the agent, I was able to get my health insurance renewed on time. My conversation with him was polite and informative. The organisation is lucky to have people like him who understand and care about customers.
    36. Vishal Parikh | Mar 06, 2019
      5
      Good response. I would like to express my gratitude to the customer care employee who helped me get the health insurance. He was wonderful to talk to and extended me every courtesy in the book. I am sure he is an asset to the organisation and deserves all the appreciation. Thanks a lot.
    37. Jayanti Vaidyanath | Mar 05, 2019
      4
      Your representative was very professional, helpful, and supportive. He solved all my problems and gave me expert advice on the matter of buying health insurance. Congrats on a job well done!
    38. Dipak Kolambe | Mar 05, 2019
      4
      Great experience. All the information I needed was provided by the agent and the customer interaction was very good. ICICI Lombard trains their employees well and it shows in the way they interact.
    39. Mandeep Singh Makkar | Mar 04, 2019
      5
      Your representative has been very helpful and responsive during my wellness claim and renewal process of the health insurance policy. She even reacquainted me with features and benefits like emergency ambulance cover and life long renewability. I would like to thank her and rate her service 10 out of 10.
    40. Trevor | Mar 04, 2019
      5
      The executive was clear in his conversation with me. He was knowledgeable, patient, and a good resource for all the information I needed about the health insurance policy. In the end, I was able to make an educated choice.
    41. Bhawani Shankar Panda | Mar 03, 2019
      4
      It was a nice experience to talk to the agent from ICICI Lombard. She has good knowledge of the available products and their features and benefits. She helped me in choosing the best mediclaim policy for my mother. Well done!
    42. Ambalal Chawda | Mar 03, 2019
      4
      Way to go! I was very happy with the way the agent handled my transaction. She used her incredible knowledge and communication skills to convince me to buy the health insurance plan and gave me excellent suggestions. I appreciate it.
    43. Rahulkumar Kalubhai Mer | Mar 02, 2019
      5
      Excellent service. I had the good fortune of connecting with one of your top executives and talk about the features and benefits of the mediclaim policy. She listened to me patiently, understood my requirements, and then advised me accordingly. Her knowledge and communication skills made me trust her judgement and follow her advice.
    44. Sujith E. Job | Mar 01, 2019
      5
      My experience of purchasing a health insurance policy from ICICI Lombard was smooth and really easy, thanks to the competence of the executive. He made sure I understood the key features and benefits of the plan, such as cashless hospitalisation and coverage for day-care expenses. He was patient with me throughout the interaction. Thanks, appreciate it.
    45. Tapas Varshney | Feb 28, 2019
      4
      Good experience. The salesperson offered her support till the end of the transaction and provided me with all the possible solutions to my issues. It took me 2-4 days to finalise the mediclaim policy, but I got a great response from her. Thank you.
    46. Rajiv Singh | Feb 28, 2019
      4
      Your agent had great convincing power along with an in-depth knowledge of the product as well as the market. Her command over the language, combined with her selling skills, made this interaction a productive one. I thank her from the bottom of my heart for her support.
    47. 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.
    48. 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.
    49. 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.
    50. 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.
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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. ”

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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... ”

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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. ”

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

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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 ”

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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

      member

      “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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