What is co-payment in health insurance?

Co-pay in health insurance is a clause, wherein the insured agrees to bear a specific portion of the incurred medical expenses. It is usually a fixed percentage of the claim amount, which the policyholder pays at the time of a claim.

Why do people choose co-pay in health insurance?

Opting for co-pay health insurance helps the policyholders to reduce their premium outgo for the policy. Even though they might have to bear a portion of the claim amount themselves, co-pay in health insurance can prove beneficial in the long run by significantly lowering the premium amount.

How do I know my co-payment liability at the time of claim settlement?

To know your co-payment liability at the time of claim settlement, you can refer to your policy document. It contains all the details regarding the policy's co-payment clause, including the percentage at which it is levied, whether you're required to pay it or not, etc.

Is co-pay levied on cashless hospitalisation?

Policyholders are generally not required to pay anything upfront while availing treatment at a network hospital. At the time of discharge, the policyholder has to pay for his/her share of the expenses as specified in the co-pay clause, along with the non-payables' cost.

Are the policies with co-pay clauses cheaper?

Yes. The health insurance policies with co-pay clauses are cheaper as it reduces the financial liability of the insurer. Also, the claim amount is divided between the insurance company and the policyholder, which results in reduced premiums.

Should I take a policy with co-pay?

Before opting for a co-payment health insurance policy, you must consider various factors such as your current financial situation and health conditions. You must ensure that you have adequate finances to pay your share of healthcare expenses before buying the policy. Also, if you're healthy and maintain an active lifestyle, opting for a health insurance policy with a co-pay clause could turn out to be beneficial for you. On the other hand, if you're susceptible to illnesses, we recommend going for a health plan without the co-pay clause.

Where can I get the policy copy?

You can access your motor or health policy copy by downloading our IL TakeCare App using the below link http://onelink.to/qybrem Alternatively you can also WhatsApp us on 7738282666 using keyword Download Policy or click on the link below https://wa.me/message/N4YO6ARPBTSRG1

How do I make changes in the existing policy?

You can use our self care option for making changes in your Retail (motor or health) policy by sending us an WhatsApp on <> using keyword Change your policy details or click on the link below https://wa.me/message/PCLRVLJHGXWME1 Alternatively you can also use our MYRA bot by click on the link below https://www.ilgi.co/6936CB3B26

How do I renew my health or motor policy?

You can use our self care option for renewing your existing Retail ICICI lombard (motor or health) policy by sending us an WhatsApp on 7738282666 using keyword Renew my existing policy or click on the link below https://wa.me/message/Q4PCC4RHVIOWJ1 Alternatively you also download my IL Takecare App using below link for renewing existing policies http://onelink.to/qybrem

What is the process for health claim?

In case of a planned hospitalisation or emergency services, use your Health ID Card at any of our network hospitals and avail cashless service. Download our IL TakeCare app and access the claim section to know more or you may call your service provider helpline number printed on your health cashless claim card for assistance.

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If you are an existing policyholder of erstwhile Bharti AXA General Insurance, please call us on 1800-103-2292 or write to us on customersupport@icicilombard.com.

Registered Address

ICICI Lombard House

414, P.Balu Marg,
Off Veer Sawarkar Marg,

near Siddhivinayak Temple, Prabhadevi

Mumbai-400025.

Customer Support

ICICI Lombard General Insurance Co. Ltd.

Ground floor- Interface 11,

Sixth floor- Interface 16 , Office no 601 & 602,

New linking Road, Malad (West),

Mumbai - 400064.

Toll Free: 1800 2666

Alternate Contact No. 86 55 222 666 (Chargeable)

For Crop insurance,
Toll free No. 1800 266 9725

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Now, call us at our toll free number 1800 2666 (accessible even from your mobile phone) to meet all your insurance related needs and queries

Category	Contact For & Accessibility	Toll free/Chargeable	Contact No.
For policy purchase, service and claims	Accessible within India	Toll free	+1800 2666
Alternate no. for policy purchase, service & claims	Accessible from J&K/International numbers	Chargeable	+91 40 6627 3505
NRI customers	Policy purchase USA/UK/Canada/Other Countries	Chargeable	+91 40 6627 3505
International Travel Insurance	Policy extension when customer is in International location Claim intimation from USA and Canada Claim intimation from rest of the world (excluding USA and Canada) Claim intimation from India	Chargeable Chargeable Chargeable Toll free	+91 40 6627 3505 +1 844 871 1200 +91 124 4498778 +1800 102 5721
Grievance redressal		Toll free	+1800 2666
Crop Insurance	Pradhan Mantri Fasal Bima Yojana	Toll free	+1800 266 9725
Senior citizens		Toll free	+1800 2666

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ICICI Lombard General Insurance Company Limited is one of the leading 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 Ltd and is used by ICICI Lombard General Insurance Company Ltd under license and Lombard logo belongs to ICICI Lombard General Insurance Company Ltd. 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.
Email ID - customersupport@icicilombard.com