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 6700+ Healthcare providers*, 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 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.