Where can I find the list of network hospitals?
You can make use of our easy and convenient Find Network Hospital tool to find a network hospital that
is closest to your location. Just select the state and city and press Search, and the tool will auto-populate a list of our network hospitals in the place of your choice.
How can I switch my current insurance to ICICI Lombard?
If you wish to switch your existing insurance to any ICICI Lombard plan, please provide your application and a duly filled portability form along with your previous policy documents. Kindly share these at
least 45 days before the renewal date of your existing policy.
What if I’m admitted to a hospital that doesn’t come in the list of ICICI Lombard network hospitals?
ICICI Lombard has a strong network of 9500+ Healthcare providersC, pan-India, through which we offer cashless facilities for your treatment. However, if you take treatment outside the network,
then you can file a claim with us and we will reimburse your expenses as per the policy terms and conditions.
How can I renew my policy?
You can renew your policy either by paying the renewal premium online or by calling us at our toll-free number 1800 2666. Alternatively, you may also visit your closest ICICI Lombard branch.
Can I add or remove a family member to this policy?
Yes, the floater option easily allows you to add up to 2 adults and 3 children (above 3 months of age) 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. You can include a new member or delete a member only at the time of renewal.
How do I know if an institute for AYUSH treatment is covered by ICICI Lombard under this policy?
We reimburses expenses for AYUSH treatment, only when you receive it from a Government Hospital. You can also undergo treatment at any Institute that’s recognised by the Government and/or accredited by
the Quality Council of India/National Accreditation Board on Health.
What if I undergo treatment for any illness overseas?
We will not be able to cover expenses for overseas treatment. Currently, we cover treatment taken in India only.
What does Deductible mean?
It is the amount over which Health Booster top-up health insurance policy gets activated. We shall not be liable for any payment unless your medical expenses exceed the deductible. A deductible does not
reduce the sum insured.
What are the limits for pre and post hospitalisation expenses?
It refers to the payment of the medical expenses you incur immediately 60 days before and 90 days after hospitalisation.
What is Wellness Program?
Under our Wellness Program, we issue reward points for certain wellness activities, such as joining a gym, running a marathon, etc. You can redeem your points against outpatient treatment expenses. Other
than reward points that you can redeem, you also get wellness services like medical advice, dietician & nutritional counselling, free health check-ups, medical concierge services etc. Read more
here.
What is rehabilitation?
Rehabilitation is a treatment designed to facilitate your recovery from injury, illness, or disease to as normal a condition as possible. Only the rehabilitation services provided by a certified
practitioner will be considered under our top-up health insurance policy. This benefit is applicable under Temporary Total Disablement (TTD) Rehabilitation add-on cover.
Will all my premium go to waste at the end of the policy term, if I don’t fall sick?
If no claim has been made during the policy period, your sum insured will increase by a fixed percentage at the time of the policy renewal. You are eligible for 10% increase in sum insured at renewal,
subject to a maximum of 50%, for every claim-free policy period.
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 |
Will my premium be the same when I renew my policy?
Your premium depends on your age and the extent of coverage you have opted for in your policy.
If you move to a higher age band at the time of renewal, the premium will change as per new age band. In case of an individual policy, we check only your age. For floater policies, we consider the age of
the senior-most member.
If, at the time of renewal, if you upgrade your product to a higher sum insured, add covers or make changes to the number of people covered, your premium will change.
How can I calculate the premium for this product?
Please refer the rate chart for checking premium for this policy
How can I file a health insurance claim?
If you need to make a claim, please intimate us in any of the following ways:
Do inform us about a planned hospitalisation at least 48 hours before admission. In the case of an emergency, please inform us within 24 hours of admission.
How can I track my claim for current claim status details?
Once a claim is submitted, its status can be tracked on our website. You can log in to your personal section here and check for
the claim status.
How soon can I file a hospitalisation claim on my policy?
A) There is a waiting period of 30 days from the start of the first time you buy the policy. In case of hospitalisation due to injury or accident, you will be covered from day 1.
B) Apart from this, there are some illnesses for which you cannot make a claim for the first 2 years (refer to Part 2 of the policy wordings for this list).
C) Additionally, in the case of claims relating to the disclosed and accepted pre-existing illnesses, you cannot make a claim for first 2 years.
What is the difference between a cashless and a reimbursement claim?
Cashless and reimbursement are two different ways to settle a claim:
A) Cashless claim is a claim where we pay the agreed claim amount (subject to approval) directly to the hospital. You need not pay the hospital for the claim amount. You need to inform us about the
procedure or treatment and send us all the related paperwork.
B) Reimbursement claim is a claim where you settle the bill with the hospital and then send us the relevant documents. We will reimburse you for the agreed claim amount as per the policy terms and
conditions.
What is the difference between Top-Up & Super Top-Up?
For a Top-Up Plan, a Deductible will apply for every hospitalisation except for claims made for any one
illness. In case of an accident where more than one member of a family is hospitalised, deductible will apply on the aggregate claim amount.
For a Super Top-Up Plan, a Deductible will apply on aggregate basis for all hospitalisation expenses during the policy year. The deductible will apply on individual basis in case of individual policy and
on floater basis in case of a floater policy.
Can I cancel my Health Booster policy and get a refund?
We provide a 15-day free look period for Health Booster. If you cancel the policy within this period, we will provide a full refund of your premium.
After the free look period, you may cancel this policy by giving us 15 days written notice by registered post, and then we shall refund premium on short term rates for the unexpired policy period.
Can the annual sum insured be increased?
Yes, you can increase your sum insured either online or at our branch (at the time of renewing the policy). This is, however, subject to the underwriters’ approval and subject to additional premium. Also,
a fresh waiting period will apply to your enhanced limit from the effective date of such enhancement.
I had not declared a pre-existing disease when I had bought the policy earlier. Can I do so now? What is the impact on my policy?
Any pre-existing disease (PED) not declared at the time of policy inception will be considered as non-disclosure of the material facts and may lead to policy cancellation. To avoid this, please declare
all material facts related to PEDs before the policy issuance. However, should you need to declare any PED after policy issuance, please visit our branch. The acceptance of the PED will be subject to our
underwriting guidelines.
What happens if I don’t renew my policy on time?
We provide a grace period of 30 days from the expiry of the policy. Beyond this period, you lose your renewal benefits, including additional sum insured and free health check-up coupons. You will have to
apply for a fresh policy post the grace period.