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: &#9675 Applicant should be 18 years of age &#9675 Minimum age for children is 91 days (floater option) and 6 years (individual cover) &#9675 Applicants more than 46 years of age will have to undergo medical tests

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)

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.

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.

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.

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 .

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 .

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.

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.

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.

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.

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.

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

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 .

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)

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.

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.

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 .

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.

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 &#9675 Intimate claim by sending SMS 'HEALTHCLAIM' to 575758 (charge – 3 per SMS) or calling our toll free number 18002666 or email us at ihealthcare@icicilombard.com &#9675 Send your duly filled (and signed by you as well as your treating doctor) claim form and required documents to us &#9675 We will review your claim request (as per policy terms and conditions) &#9675 On approval, we will settle your claim (as per policy terms and conditions) and reimburse the approved amount to you

What is the process for claim?

The claim process involves 3 steps &#9675 Claim Intimation &#9675 Claim Processing &#9675 Claim Payment/Closure Claim can be intimated through various modes: &#9675 Call Center &#9675 Walk in &#9675 E-mail &#9675 Fax &#9675 Letter &#9675 SMS

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

Who should be contacted to make a claim?

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

Are all the major corporate hospitals on the network?

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

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.

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.

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.

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.

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.

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.

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

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.

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.

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What is ICICI Lombard Health AdvantEdge policy?

No one plans to fall sick but most people will need medical care at some point in their life. Right from the first doctor’s visit, to the lab tests, and pharmacy bills, the mounting expenses pertaining to full treatment can be burdensome. To help you in your illness and wellness journey, ICICI Lombard's Health AdvantEdge is a holistic policy designed to cater to your healthcare needs at all stages.

This policy is one of the few healthcare products that offers all-round wellness and preventive care benefits. Some of the value-added services under the Wellness program include reward points for inculcating healthy habits. Under this cover, the policyholder can also avail services such as video/tele consultation, pharmacy and diagnostic services, online chat with doctors, second opinion, and more.

The policy also has benefits such as pre-existing disease cover flexibility, domestic and air ambulance and convalescence benefit. It provides an additional cover against 20 critical illnesses including cancer. These add-ons also include maternity insurance for both mother and the newborn baby for SI above 5 Lakhs.

Top reason to buy ICICI Lombard Health AdvantEdge policy

Restore benefit for sum insured	Guaranteed cumulative Bonus
24x7 video/telephone consultation	Convalescence benefit
Health rewards	Pre-existing disease cover^O
Domiciliary hospitalization	Domestic Air Ambulance
Personal accident	Maternity cover
New born baby and vaccine cover	Bariatric surgery cover

ICICI Lombard Health AdvantEdge Insurance policy add-on benefits

Customise your health insurance policy for your family with our ready-made set of add-ons*.

Maternity Benefit

Covers the costs of maternity care expenses of expecting mothers and their new-born With this add-on, prepare yourself for the additional medical costs of pregnancy and child delivery: - Covers maternity expenses of up to 10% of base SI subject to a maximum of 10L after an initial waiting period of 9 months. - This add-on applies to any female insured who has opted for 3 years policy term between the age of 18 to 45 yea₹. For policy tenure of lesser than 3 years, you can purchase this policy at renewal. - New-born cover protection -Covers twice the maternity cover limit medical expenses for new-born (from day 1 to day 90 days) if they are diagnosed with some life-threatening or congenital ailment. - If the maternity benefit is not claimed in 3 years, the next 3 years' maternity premium is waived. - Ectopic pregnancies are not covered

Sum Insured Protector

Covers the added health care expenses due to increasing costs of medical treatment Health insurance is becoming more expensive over the yea₹. Protect your health plan's Sum Insured against rising inflation by linking the Sum Insured under the base plan to the Consumer Price index (CPI).
With this add-on, your plan's Sum Insured will be increased cumulatively at each renewal based on the inflation rate in the previous year. The inflation rate is calculated as the average CPI of the entire calendar year published by the Central Statistical Organisation (CSO). The % increase will be applicable only on the Annual Sum Insured of the policy and not on the Additional Sum Insured or any other benefit, leading to an increase in the Sum Insured.
In case, you opt out of Sum Insured Protector Cover at the time of renewal, all the accrued amount under the Sum Insured Protector Cover in the policy till date will be reduced to zero.

Co-payment Option to choose 10% or 20% co-pay

Co-pay or co-payment is defined as a contribution made by the policyholder towards the cost of medical treatment, they claim under their health policy. Copayment is a good choice if you are young and less prone to falling sick or contracting diseases. With this benefit, you can choose a 10% or 20% co-payment in your health insurance claim.
There are two copay in policy one is optional cover named as “Co-payment” and second is Zonal copay if you are taking treatment in other zone than the policy purchase zone

Teleconsultations

Unlimited teleconsultations, available 24x7 with health care professionals for routine & emergency health concerns
We will arrange consultations and recommendations for emergency or everyday health issues by a qualified healthcare professional via phone, video call or other virtual means.

What is BeFit Cover?

Health insurance doesn't have to just be there for the big concerns. It's often those tiny niggles that can cause worry. With our #UnbelievableButTrue BeFit cover, discuss whatever's on your mind with a general physician, specialist or super-specialist doctor online (available 24x7) or at the clinic. BeFit covers all your everyday health needs that does not require hospitalisation.

You can avail cashless services even for the little health hiccups, including:

Doctor consultations	Pharmacy costs
Lab tests	Physiotherapy sessions
Diet & nutrition e-consultation	Minor procedures

BeFit is a new approach to wellbeing designed to help you be your best every day. Since it’s a rider, it can only be availed with a base stand-alone health insurance policy from ICICI Lombard by paying an additional premium.

Did you know?

In India, doctor consultations, pharmacy and lab tests expenses account for nearly 62% of healthcare costs.

What does ICICI Lombard BeFit cover?

Here’s how our wellbeing services can be there for you

Inclusions
Exclusions

24x7 e-consultation

BeFit gives access to Medical Practitioner via audio, video, online portal, chat or mobile application.
Lab Test and Minor Procedure Cover

Feel better fast with timely diagnosis and minor procedures that require no hospitalisation, as listed in the plan. We will cover the costs of the lab tests and minor procedures our network medical practitioner recommends.
Pharmacy Cover

Give yourself one less thing to worry about with cashless coverage for medicines and medical consumables when you are unhealthy or injured. BeFit covers the cost of medications prescribed by our network medical professional based on the plan opted.
Physiotherapy *

It is easy to push joint and muscle pain to the bottom of the list, but neglecting an ache can stock problems for later. With BeFit cover, receive coverage for assessment, diagnosis and treatment of your bone and joint conditions from our network of physiotherapists.
e-Counselling *

Bring out your best self with mental health virtual support sessions via our IL Take Care app. Get help in dealing with issues ranging from personal and lifestyle imbalance, stress, anxiety, pre-marital counselling, parenting and child care, speech impairment, psychological/mental illness problems and more.
Wellbeing Program

Get access to healthcare that rewards and promotes your physical and mental wellbeing via a digital platform. Our wellbeing rewards programme helps you achieve your desired health goals with guidance from a personalised health coach service on the IL Take Care app.

Health Management Program

The Health Management Program is designed to ensure regular monitoring of your health and timely intervention with a concrete plan for corrective measures in case of any decline in your health status.
Diet and Nutrition e-consultation (avail up to unlimited e-consultation for each year)*

Access one-to-one diet and nutrition consultations with a registered network dietitian who can help you improve your health and wellbeing, including working with special dietary needs due to health conditions such as gluten or lactose intolerance.
Preventive Care

Adults aged 21 years and above covered under the BeFit cover can avail of a routine and preventive health check-up once a year at our network providers anytime during the policy period on a cashless basis.
Health Assistance (HAT)

We will help you get quick information to better understand your health condition by answering any queries related to health and service providers on our dedicated helpline number.
Ambulance Assistance

If urgent medical attention is required, we will assist you in facilitating transportation to the nearest hospital or any clinic or nursing home for medically necessary treatment.

* Disclaimer: Limits on consultations as per plan opted to apply.

1.
All exclusions mentioned in the Base Product will apply to the BeFit Cover unless otherwise stated and covered in the BeFit Cover policy wordings.

2.
ICICI Lombard will not make any payment for claims caused by, arising from or in any way attributable to any of the following unless expressly stated to the contrary in this BeFit cover policy wordings:

Medical Exclusion

a. Inpatient treatment and daycare treatments are not covered under this product.

b. Rest Cure, rehabilitation and respite care: Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. This also includes:

Custodial care either at home or in a nursing facility for personal care such as help with activities of daily living such as bathing, dressing, moving around either by skilled nurses or assistants or non-skilled persons.

Any services for terminally ill people to address physical, social, emotional, and spiritual needs.

Non-medical Exclusion:

Any items or treatment specified in the excluded expenses (non-medical) listed in the policy wordings, unless specifically covered under the BeFit cover.

Medical Exclusion

a. Inpatient treatment and daycare treatments are not covered under this product.

b. Rest Cure, rehabilitation and respite care: Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. This also includes:

Custodial care either at home or in a nursing facility for personal care such as help with activities of daily living such as bathing, dressing, moving around either by skilled nurses or assistants or non-skilled persons.

Any services for terminally ill people to address physical, social, emotional, and spiritual needs.

Non-medical Exclusion:

Any items or treatment specified in the excluded expenses (non-medical) listed in the policy wordings, unless specifically covered under the BeFit cover.

Note:

All exclusions mentioned in the Base Product will apply to the BeFit cover unless otherwise stated and covered in the BeFit Cover policy wordings. ICICI Lombard will not make any payment for claims caused by, arising from or in any way attributable to any of the following unless expressly stated to the contrary in this BeFit cover policy wordings:

Policy documents: Befit Cover Policy Wording

Why should you buy BeFit Cover?

Unbelievable but true! BeFit is first of its kind health insurance cover that provides:

Out-patient services

Avail comprehensive cashless health services that do not require hospitalisation via the IL Take Care app.

24x7 teleconsultation
Physical doctor consultation
Pharmacy
Routine diagnostics & minor procedures
Physiotherapy sessions

Preventive Healthcare

Get a healthcare plan that's created to keep you in the pink of your health.

Health risk assessment
Preventive Care
Medical Vault
Chat with health experts
E-counselling
Diet & nutrition e-consultation

Wellbeing

Earn wellbeing points and redeem discounts in the premium or against other health-related offers.

Wellbeing activities
Wellbeing tasks
Fitness challenge & events
Personal Health coach

Value Added Services

Build healthy habits and get rewarded for living healthy while saving on healthcare expenses.

Deals & discount
Health Assistance services
Emergency ambulance assistance

How to avail of cashless claim services for BeFit Cover?

To avail of cashless service, you will need to

Download

Download the IL Take Care app from the App store/Playstore.
Register

Once downloaded, the policyholder is required to complete the registration and login to the home page.
Claim

On the home page, click on the respective service icon to avail cashless benefits of the BeFit policy.

How to buy the BeFit Cover?

Since it’s a rider, it can only be availed with the following base health insurance policy from ICICI Lombard

Health AdvantEdge Avail BeFit Cover

ICICI Lombard’s Health AdvantEdge policy provides you with extensive coverage during a medical emergency. The medical policy gives you access to a wide range of cashless hospitals nationwide.

Know more

ICICI Lombard Health Booster Avail BeFit Cover

Health Booster policy makes your health insurance more potent. It is a super top-up plan that acts as a backup in case your base plan gets exhausted. You can also purchase a Health booster plan with ICICI Lombard without having a base plan.

Know more

Arogya Sanjeevani Policy BeFit Cover - Coming soon

Arogya Sanjeevani Policy, ICICI Lombard is a health plan that takes care of your basic healthcare needs. It comes at an affordable premium with flexible sum insured options starting from ₹1 lakh.

Know more

Why do our customers love us?

And we think you will too

6500+ network hospital* partners

for hassle-free consultations

Completely cashless policy

Access cashless healthcare from your smartphone

24x7 customer support

Call or Chat 27x4 with experienced call centre representatives for any queries

Get your questions regarding BeFit Cover answered

General
Cover
Policy
Premiums
Claims

What is BeFit Cover?

ICICI Lombard BeFit Cover provides coverage for OPD requirements on a cashless basis. BeFit covers expenses across physical and virtual consultation by general, specialist and super-specialist doctors as well as physiotherapy sessions. This cover also caters to other out of pocket expenses such as pharmacy, minor procedures, routine diagnostics and wellness programs. Since this is a Cover, BeFit can only be availed along with a base policy from ICICI Lombard.

What are the base policies with which BeFit Cover can be availed?

Health AdvantEdge
Arogya Sanjeevani Policy
ICICI Lombard Health Booster

What are the benefits of BeFit Cover?

Outpatient consultation

Covers expenses of physical consultations with a general medical practitioner, specialist or super-specialist doctor in a policy year.

Physiotherapy

Covers expenses of physiotherapy sessions with a medical practitioner during the Policy Period

Pharmacy cover

Covers expenses of medicines, drugs, and medical consumables, prescribed by a medical practitioner under our cashless network up to a pre-defined sum.

E-counselling

Covers expense of e-counselling availed for mental health virtual support sessions via our IL Take Care app.

Diet and Nutrition e-consultation

Covers expense of diet and nutrition e-consultation via the IL Take Care app

Teleconsultation

Covers the expense of teleconsultations with a doctor via calls, video or chat option on the IL Take Care app.

Preventive Healthcare

Fee medical check-up once a year for adults aged 21 years and above included in the policy

Ambulance Assistance

Covers facilitating ambulance assistance service in case of urgent medical attention

What are the relationships that can be covered in a single BeFit Cover policy?

Self, Spouse, Dependent children, Dependent Grandchildren, Dependent parents, Dependent Parents in law, Siblings and grandchildren.

What covers does the BeFit Cover offer?

Outpatient consultation
Routine Diagnostic and Minor Procedure Cover
Physiotherapy
Pharmacy cover
E-counselling
Diet and Nutrition e-consultation
Teleconsultation
Preventive Healthcare
Ambulance Assistance

What are the minimum and maximum entry ages to avail of the BeFit Cover?

The minimum entry age for an individual is 6 years. Children between the ages of 3 months to 5 years can be insured under a floater plan only. The maximum entry age shall be restricted to 65 years. The max age for dependent children under a floater policy is 20years.

What is the maximum age limit for renewal of the policy?

There is no maximum age limit for renewal. Policy buyers can renew at any age once availed.

What is the maximum number of members that can be added to a single policy?

A maximum of 5 members can be added in a single policy, on a family floater basis - 2 adults and a maximum of 3 dependent children can be included.

What are your Premium rates?

The premium rates are based on the sum insured and the base coverage selected along with the policy's tenure. You can calculate the premium using our calculators.

How to claim under the BeFit Cover policy?

To avail of cashless service, you will need to

Download the IL Take Care app from the App store/Playstore.
Once downloaded, the policyholder is required to complete the registration and log in to the home page.
On the home page, click on the respective service icon to avail cashless benefits of the BeFit policy.

How are the claims paid?

All benefits under this Cover can be availed on a cashless basis only.

Reviews and ratings

4.6
Our customers have rated us
Based on 1,802 reviews

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.

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.

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.

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.

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!

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.

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.

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.

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!

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.

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.

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.

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.

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.

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.

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!

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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!

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Product	Product Code	UIN no.
Health AdvantEdge	4193	ICIHLIP23075V032223
BeFit Rider	4180	ICIHLIP21569V012021

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a.	Inpatient treatment and daycare treatments are not covered under this product.
b.	Rest Cure, rehabilitation and respite care: Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. This also includes:

	Custodial care either at home or in a nursing facility for personal care such as help with activities of daily living such as bathing, dressing, moving around either by skilled nurses or assistants or non-skilled persons.
	Any services for terminally ill people to address physical, social, emotional, and spiritual needs.

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What is ICICI Lombard Health AdvantEdge policy?

Top reason to buy ICICI Lombard Health AdvantEdge policy

ICICI Lombard Health AdvantEdge Insurance policy add-on benefits

Maternity Benefit

Sum Insured Protector

Co-payment Option to choose 10% or 20% co-pay

Teleconsultations

What is BeFit Cover?

What does ICICI Lombard BeFit cover?

BeFit gives access to Medical Practitioner via audio, video, online portal, chat or mobile application.

Feel better fast with timely diagnosis and minor procedures that require no hospitalisation, as listed in the plan. We will cover the costs of the lab tests and minor procedures our network medical practitioner recommends.

Give yourself one less thing to worry about with cashless coverage for medicines and medical consumables when you are unhealthy or injured. BeFit covers the cost of medications prescribed by our network medical professional based on the plan opted.

It is easy to push joint and muscle pain to the bottom of the list, but neglecting an ache can stock problems for later. With BeFit cover, receive coverage for assessment, diagnosis and treatment of your bone and joint conditions from our network of physiotherapists.

Get access to healthcare that rewards and promotes your physical and mental wellbeing via a digital platform. Our wellbeing rewards programme helps you achieve your desired health goals with guidance from a personalised health coach service on the IL Take Care app.

The Health Management Program is designed to ensure regular monitoring of your health and timely intervention with a concrete plan for corrective measures in case of any decline in your health status.

Access one-to-one diet and nutrition consultations with a registered network dietitian who can help you improve your health and wellbeing, including working with special dietary needs due to health conditions such as gluten or lactose intolerance.

Adults aged 21 years and above covered under the BeFit cover can avail of a routine and preventive health check-up once a year at our network providers anytime during the policy period on a cashless basis.

We will help you get quick information to better understand your health condition by answering any queries related to health and service providers on our dedicated helpline number.

If urgent medical attention is required, we will assist you in facilitating transportation to the nearest hospital or any clinic or nursing home for medically necessary treatment.

* Disclaimer: Limits on consultations as per plan opted to apply.

1. All exclusions mentioned in the Base Product will apply to the BeFit Cover unless otherwise stated and covered in the BeFit Cover policy wordings.

2. ICICI Lombard will not make any payment for claims caused by, arising from or in any way attributable to any of the following unless expressly stated to the contrary in this BeFit cover policy wordings:

a. Inpatient treatment and daycare treatments are not covered under this product. b. Rest Cure, rehabilitation and respite care: Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. This also includes:

Any items or treatment specified in the excluded expenses (non-medical) listed in the policy wordings, unless specifically covered under the BeFit cover.

a. Inpatient treatment and daycare treatments are not covered under this product. b. Rest Cure, rehabilitation and respite care: Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. This also includes:

Any items or treatment specified in the excluded expenses (non-medical) listed in the policy wordings, unless specifically covered under the BeFit cover.

Why should you buy BeFit Cover?

Out-patient services

Preventive Healthcare

Wellbeing

Value Added Services

How to avail of cashless claim services for BeFit Cover?

To avail of cashless service, you will need to

Download

Register

Claim

How to buy the BeFit Cover?

Health AdvantEdge Avail BeFit Cover

ICICI Lombard Health Booster Avail BeFit Cover

Arogya Sanjeevani Policy BeFit Cover - Coming soon

Why do our customers love us?

6500+ network hospital* partners

Completely cashless policy

24x7 customer support

Get your questions regarding BeFit Cover answered

What is BeFit Cover?

What are the base policies with which BeFit Cover can be availed?

What are the benefits of BeFit Cover?

What are the relationships that can be covered in a single BeFit Cover policy?

What covers does the BeFit Cover offer?

What are the minimum and maximum entry ages to avail of the BeFit Cover?

What is the maximum age limit for renewal of the policy?

What is the maximum number of members that can be added to a single policy?

What are your Premium rates?

How to claim under the BeFit Cover policy?

How are the claims paid?

Reviews and ratings

4.6

Tapas Varshney

Rajiv Singh

Sujith E. Job

Rahulkumar Kalubhai Mer

Bhawani Shankar Panda

Ambalal Chawda

Mandeep Singh Makkar

Trevor

Jayanti Vaidyanath

Dipak Kolambe

Vishal Parikh

Deepika

Kumar Saket

Kumarasamy Manickavasagam

Gargie Rajmohan

Ravindar Asani

Himanshi P. Chaurasia

Vishwanath P.

Jagnarayan R. Chowdhary

Ajju Antony

1.
All exclusions mentioned in the Base Product will apply to the BeFit Cover unless otherwise stated and covered in the BeFit Cover policy wordings.

2.
ICICI Lombard will not make any payment for claims caused by, arising from or in any way attributable to any of the following unless expressly stated to the contrary in this BeFit cover policy wordings:

a. Inpatient treatment and daycare treatments are not covered under this product.

b. Rest Cure, rehabilitation and respite care: Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. This also includes:

a. Inpatient treatment and daycare treatments are not covered under this product.

b. Rest Cure, rehabilitation and respite care: Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. This also includes: