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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

    1472 reviews

    Write a review
    1. Ajmaluddin Sheikh | Jan 07, 2019
      4
      The executive was very helpful in answering all my questions about the policy. She assisted me throughout the day with multiple calls for clarifying my doubts. Above all, she was a wonderful person to talk to. Polite and professional. I am sure she is one of your best employees and has been appreciated abundantly in the past. Thank you.
    2. Harish Siripuram | Jan 05, 2019
      5
      Your customer care representative gave me a prompt response when I reached out for information regarding the mediclaim plan. She explained how the claim process works if one faces any health issues. She also told me about benefits like free look period and wellness programme. Thank you.
    3. Dilip Karthikeyan | Jan 04, 2019
      4
      Your customer service executive explained the nitty-gritties of the health insurance plan very well. Thanks to him, I fully understand features like life long renewability, floater benefit, and cashless hospitalisation. Another good thing about him is that he was prompt in calling me and punctual during follow-ups.
    4. Sambit Paul | Jan 01, 2019
      4
      I had a nice interaction with your executive. She was well aware of the policy's inclusions and exclusions and made sure she passed that knowledge to me before I made the purchase decision. The staff at ICICI Lombard cares about customer experience more than making a sale, and that's why I'm happy to stick with this company.
    5. Praveen Singh | Dec 31, 2018
      5
      It was good talking to your representative. She explained everything about the health insurance plan ICICI Lombard offers, especially features like life long renewability, additional sum assured, and emergency ambulance cover. Good luck to her!
    6. Rupesh Yadav | Dec 30, 2018
      5
      The agent was able to resolve my issue very patiently and without a hassle. I am extremely thankful to ICICI Lombard for providing me with such commendable customer service. Keep it up!
    7. Ashwani Yadav | Dec 29, 2018
      4
      My interaction with your representative was effective in making me want to purchase the health insurance plan. She did not leave out a single policy detail and helped me understand exactly what I was signing up for with utmost transparency. She even guided me through the payment process at the end. Kudos.
    8. Tondapu N. Surendra | Dec 28, 2018
      5
      The explanation of the new health insurance policy was very good. Your agent was highly proficient in clarifying all my questions and walking me through the details of the plan. I look forward to enjoying benefits such as in-patient AYUSH treatment and free look period.
    9. Siddharth Chaturvedi | Dec 27, 2018
      4
      Your insurance advisor was very friendly and understanding of my concerns. I had some confusion with the mention of PEDs in my policy document, and she was prompt in connecting me with the back office support executive. Hope my grievance will be resolved soon. Overall, I am fully satisfied by her response during the call.
    10. Arijeet Neogi | Dec 24, 2018
      5
      I found the service by the customer care executive at ICICI Lombard to be quite excellent. He has given me no reason to complain. From the explanation of the features and benefits of the policy to the support extended during the payment process, everything was perfect. Thanks a lot.
    11. Vatsal Upadhyaya | Dec 23, 2018
      5
      I'm absolutely thrilled that I chose ICICI Lombard for my health insurance plan. I was put in touch with a customer service executive who provided me with excellent service. He took the time to explain the benefits of cashless care as well. It was a great interaction.
    12. Sunil Garg | Dec 22, 2018
      4
      My experience with your agent was nothing but pleasant. She knew her job well. She helped me with the renewal of my health insurance policy and was able to convince me to opt for a Personal Protect policy for my daughter. Kudos!
    13. Shefali | Dec 21, 2018
      5
      The agent I spoke to at ICICI Lombard about their health insurance plans gave me a thorough explanation and took me through the features and benefits point by point. Thanks to her, I understood the policy and its advantages, like life long renewability and cashless hospitalisation, very well.
    14. N. Anush Kumar | Dec 20, 2018
      4
      ICICI Lombard’s health insurance plan provides customers with impressive benefits like no other. That’s why I always renew my plan without any hesitation. I regularly avail the free health check-ups provided by my plan.
    15. Milind Shinde | Dec 19, 2018
      4
      All my issues were resolved without a hitch by the customer care agent. I had many doubts regarding the terms and conditions, but my worries are now dispelled. I am impressed by the emergency ambulance cover provided by this plan.
    16. Brian Dsouza | Dec 16, 2018
      5
      I purchased cashless health insurance for me and my wife separately 7 years ago. For the last 7 years, I did not file any claims. ICICI Lombard increased my limit each year. This year, my wife had to be hospitalised. Thanks to ICICI Lombard, I did not have to worry about the medical bill of approximately 2 lakhs.
    17. J.S. Murthy | Dec 15, 2018
      5
      ICICI Lombard’s health insurance is very good as it covers almost all important aspects. I have health problems and have been visiting various ayurvedic and homeopathy clinics. No other plan offers alternative treatment coverage, but thanks to ICICI Lombard, I don’t need to worry about my bills anymore.
    18. Benazir Miller | Dec 14, 2018
      4
      I renewed my health insurance as I always trust ICICI Lombard as my provider. I have even recommended other people to choose this policy. One of the many benefits of this plan is lifelong renewability.
    19. Neeraj Pandit | Dec 13, 2018
      5
      The overall support provided by your agents was good. I wanted a plan that’ll include cashless hospitalisation and ICICI Lombard provides just that. I was extremely relieved to know this and so I immediately purchased the health policy.
    20. Delin Belliappa Machamada | Dec 12, 2018
      5
      My dad was required to undergo chemotherapy and our previous health insurance didn’t cover this. I was bitterly disappointed and discontinued my previous plan. However, thanks to ICICI Lombard's health plan, my father’s needs are being accommodated.
    21. Sourav Kayal | Dec 11, 2018
      4
      My previous experience with your customer care agents was not a fulfilling one. However, the agent who spoke to me recently provided me with excellent service. His explanation about the benefits of the policy was very informative. I was happy to know that there are no medical checkups required for this insurance.
    22. Sunil Dave | Dec 10, 2018
      5
      The renewal of the existing health policy was smooth and the agent from the customer care team was very helpful. I decided to re-sign with ICICI Lombard because of the free health checkup provided by this plan and the excellent service they always extend.
    23. Jay Mittal | Dec 09, 2018
      4
      It was a pleasant experience talking to your customer service manager who was very courteous and extremely knowledgeable. All my questions were answered beautifully and within no time. I like the tax benefits provided by my plan.
    24. Anjay Kumar Singh | Dec 08, 2018
      5
      My experience with the ICICI Lombard customer care executive was great. It was a joy talking to him. I am happy that their mediclaim insurance policy covers medical expenses during hospitalisation for more than 24 hours. My sincere thanks to the team!
    25. Kritika | Dec 04, 2018
      5
      I must say that ICICI Lombard really knows how to treat their customers well. The insurance advisors hired by them are simply awesome and know the various plans very well. I found their health policy attractive because of the tax benefits associated with it.
    26. V. Srinivas Nikhil | Dec 03, 2018
      4
      All my doubts were clarified by the agent, who was very polite and patient. He demonstrated excellent listening skills and completely understood my needs and preferences. I wanted coverage for outpatient treatment and this was the prime reason for choosing this policy.
    27. Animitra Chakravarti | Dec 02, 2018
      4
      I already had an existing health insurance with ICICI that was due for renewal. The customer service assistant was very helpful and provided apt guidance through the process. This plan is the best because of the efficient claim-settlement method.
    28. Amit Vyas | Dec 01, 2018
      5
      The conversation with the agent was very helpful. He was really polite and took the time to understand my needs thoroughly. Thanks ICICI for offering me the perfect health plan with tax benefits.
    29. Rangarajan | Nov 30, 2018
      5
      Thank you ICICI Lombard for providing me with the perfect health insurance policy without any hassles. The application process was very efficient and quick. I will request my friends to always purchase their health insurance from ICICI.
    30. Sandeep Singhal | Nov 29, 2018
      5
      It was an awesome experience talking with the ICICI Lombard agent. She explained the plan very well and did not leave out even the smallest details. I am very satisfied with the mediclaim policy as it offers accessible cashless medical treatment when most needed.
    31. Rituparna Borah | Nov 28, 2018
      5
      I am really impressed by the excellent customer care service provided by the ICICI Lombard executives. Their health insurance policy provides customers and co-dependents with tax benefits. Upon hearing this, I immediately decided to opt for this plan.
    32. Renita Gonzales | Nov 27, 2018
      4
      The agent on the phone was terrific and provided me top-notch service. It was a very helpful interaction. This policy has add-on covers for wellness and preventive healthcare and outpatient treatment. Many other insurance plans don’t offer such good coverage. Very satisfied.
    33. Ashish Singh Bhandari | Nov 26, 2018
      5
      I had many doubts regarding the health insurance policy. But the customer service provided by the agent was exceptionally good and made the important points of the policy crystal clear. This plan provides accidental death coverage, which is very useful.
    34. Praveen Pratap Singh | Nov 25, 2018
      4
      Your customer service agent was wonderful at explaining all the details about this policy, its benefits and some cons, too. I was very impressed by the way she held no details back and was very transparent in her approach.
    35. Ishwinder Singh Madan | Nov 24, 2018
      5
      Your agent was very helpful and provided all the information needed to purchase the health policy online. And not just that, he even helped me through the transaction process. I really cannot thank him enough.
    36. M.V. Chalapathi Rao | Nov 23, 2018
      5
      Your agent explained all the benefits that your mediclaim policy covers like life-long renewability, cashless hospitalisation, and floaters. She was very crisp and clear and did not try to hide or cross-sell anything, which I am really grateful for. Thank you.
    37. Sekh Umar | Nov 22, 2018
      5
      ICICI Lombard provides excellent customer service and amazing schemes. Before buying the medical insurance from them I was not so sure, but the agent updated me about all their benefits such as cashless hospitals and even cashless approvals within 4 hours that allow one to avail timely medical services. This made me extremely happy, so I bought the policy right away.
    38. Surajit Joarder | Nov 21, 2018
      5
      I have never received such an excellent service by any company representative before. Your agent resolved all my concerns with a lot of patience and even helped me till the very end of the buying process. I would rate her 10/10.
    39. Rani Suresh | Nov 20, 2018
      4
      I wanted to buy health insurance for my mother, but couldn't decide upon a good policy. Then, I called your customer service where your agent not only helped me pick the right scheme for her, but also gave me a wonderful quote for the same. Excellent service.
    40. Gaurav Kumar | Nov 19, 2018
      5
      Your insurance advisor was very soft-spoken and friendly. He gave me all the details about health insurance like floaters, free-value services, tax benefits, and more. I am glad I got a chance to speak with such an informative agent.
    41. Mrinal Dubey | Nov 18, 2018
      4
      I have been doing business with ICICI Lombard for a very long time. So when I had to buy a mediclaim policy, I knew I didn't have to go far. I called them to learn all about the policy and as usual, the customer care executive was very supportive and helped me through the entire process. Superb service.
    42. Pravin Kumar Gosangi | Nov 17, 2018
      5
      Purchasing health insurance online from ICICI Lombard was a real dream. The process was quick and easy, and the customer service executive I spoke with was incredibly helpful. She explained all the details of the policy to me over a call, making it easy for me to choose the right policy. Thanks!
    43. Bhawana Narula | Nov 16, 2018
      5
      I would like to thank the customer care executive I spoke with for being so patient and kind. He was professional during our exchange and took the time to explain the benefits of the health policy in great detail. Purchasing the plan was an absolute breeze with his support. Thank you.
    44. Sanjayakumar Sarangi | Nov 15, 2018
      5
      Hi. I had a query. I wanted to know if my father, who is a 72-year-old ex-army personnel and has only one kidney, is eligible for your family health insurance coverage. Do get back to me on this as soon as possible. It will be of great help. Thanks and regards.
    45. Anil Kumar Dubey | Nov 14, 2018
      4
      Kudos to the entire customer care team at ICICI Lombard. I needed to purchase health insurance, and the experience I had was phenomenal. The individual I spoke to had great knowledge about the product, and shared all the benefits with me. Really great work!
    46. Vikas Anand | Nov 11, 2018
      5
      I was lucky enough to speak with somebody from ICICI Lombard's customer service team. She was a true professional, and was highly knowledgeable about the medical insurance policy I enquired into. Definitely a great addition to the team.
    47. Gulshan Kumar | Nov 10, 2018
      4
      The agent I spoke with was a very effective communicator. She was dedicated and helpful, and took the time to explain the policy to me in great detail. I was especially pleased to learn more about how I could save taxes with health insurance. Thanks for the help.
    48. Umesh Maithana | Nov 09, 2018
      5
      I truly believe that the service I received from ICICI Lombard is far better than any other company in the market. Purchasing mediclaim was incredibly easy, and I'm truly satisfied with the product, especially the cashless benefit. Keep up the good work.
    49. Rashmi Saxena | Nov 08, 2018
      4
      I was lucky to be connected with a truly helpful customer service executive. She had in-depth knowledge about the product and explained all the benefits, including the add-ons that I should pick. With her guidance, I was able to purchase a health policy that fits my needs. Thanks!
    50. Madhubabu Diyyana | Nov 07, 2018
      5
      The process of purchasing health insurance from ICICI Lombard was almost as quick and easy as their claims process. I was able to complete my transaction very easily, and I would like to express my sincere gratitude to the customer care representative who took the time to explain how the cashless claim facility works!
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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

      member

      “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

      member

      “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

      member

      “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

      member

      “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

      member

      “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

      member

      “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

      member

      “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

      member

      “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

      member

      “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

      member

      “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

      member

      “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

      member

      “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

      member

      “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

      member

      “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

      member

      “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

      member

      “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

      member

      “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

      member

      “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

      member

      “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

      member

      “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

      member

      “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

      member

      “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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