A to Z about ICICI Lombard Health Insurance | Buy Now

ICICI Lombard GIC Ltd. is one of the Leading Indian general insurance providers. Over 26.2 million policies had been issued, with 1.86 million claims settled. They provide general insurance coverage to safeguard you and your family from unanticipated events. ICICI Lombard can cover your company, personal, and project duties in India’s rural and urban areas.

Why choose ICICI Lombard Health Insurance?

  • Facilitates cashless treatment: You won’t have to worry about finding money to pay your medical bill while you’re in the hospital. If the hospital is in your health insurance network(6300+ Network Hospitals), your health insurance provider will deal directly with them.
  • Quick Claim Intimation: You will receive your claim as soon as possible and you can also check on their website by just entering some quick information.
  • Complete Hospitalization cover: It covers expenses of all your health concerns and also pre and post-hospitalization expenses.
  • Free health checkups every year: every year at the time of your policy renewal you will get free coupons for your health checkup.
  • 24*7 Customer care facility: ICICI Lombard provide a 24*7 customer care facility. You can call or email and chat with them from their website. 
  • Claim Tax Benefit: Section 80D of the Income Tax Act of 1961 allows you to claim a tax deduction for health insurance premiums.
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Types of ICICI Lombard Health Insurance plans?

1. Complete Health Insurance Plan

The ICICI Lombard Complete Health Insurance policy safeguards you against unanticipated medical expenses. It’s comprehensive, that covers the majority of your medical needs. It offers a family floater option, allowing you to ensure your complete family under one policy.

What is covered under this plan?

  • Hospitalization
  • Pre-post Hospitalization
  • Ambulance charges up to Rs.1500
  • Free health checkups
  • Daycare facilities
  • Domiciliary hospitalization(condition-based)
  • Ayush treatment
  • No claim bonus- up to 50% extra added to the sum insured
  • Air ambulance cover 
  • Worldwide cover
  • Donor expenses 
  • Reset benefit
  • Wellness program 
  • Pre-existing disease 
  • Cashless hospitalization
  • Lifelong renewability 
  • Befit Rider

2. Health Booster Plan

Health Booster is a super-top-up health insurance plan that pays your medical expenditures.

Consider the case of a patient who is admitted to the hospital and receives a bill for Rs. 15 lakhs. His health insurance policy has a limit of only ten lakhs. So, what’s the next step? He would have to pay Rs. 5 lakhs himself. This is when a Health Booster coverage comes in handy. 

This type of policy allows you to ensure a larger sum for a lower price. It increases the value of your health insurance without putting pressure on your budget.

What is covered under this plan?

  • In-patient treatment
  • Daycare treatments
  • AYUSH treatment
  • Donor expenses
  • Pre and post hospitalization
  • Road ambulance cover- up to 1% of sum insured or Maximum Rs.5000.
  • Pre-existing diseases
  • Domiciliary hospitalization cover
  • Pre-existing diseases
  • Floater benefit (2 adults and 3 children)
  • Reset benefit
  • Cashless hospitalization
  • Lifelong renewability 
  • Wellness program 
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3. Arogya Sanjeevni Plan

ICICI Lombard’s Arogya Sanjeevani Policy is a health plan that covers your basic healthcare needs. It has a low premium and a variable sum insured option starting at Rs. 1 lakh.

What is covered under this plan?

  • In-patient Hospitalization
  • Pre and post hospitalization
  • AYUSH treatment
  • Daycare treatments
  • Road ambulance cover-up to Rs.2000
  • Cataract Treatment
  • Floater benefit 
  • Reset benefit
  • Lifelong renewability

Permanent exclusions of  ICICI Lombard Health Insurance plans

  • Treatment for difficulties associated with pregnancy and childbirth, as well as cosmetic, aesthetic, and obesity-related issues.
  • Conflict, civil war, or a violation of the law are all examples of violations of the law.
  • Treatments such as naturopathy, acupressure, acupuncture, magnetic therapy, and others are available.
  • Treatment that was received outside of the country.
  • Expenses incurred as a result of domiciliary treatments.

How to Claim your Health Insurance Plan?

  • Cashless Claims( only if you select their network hospital among 6300+ you can avail cashless claims)
    • Select hospital and fill the pre-authorization form.
    • Submit your form and wait for our reply.
    • If the request is accepted, a person can be admitted, the company will settle expenses directly with the hospital.
  • Reimbursement Claims( if you don’t choose a hospital from their network list)
    • Admit the person to the hospital and pay all the costs that occur.
    • Collect all of your bills and documents required, file a claim with the company for reimbursement.
    • Wait for the approval till your documents verify.
    • Your expenses will be paid after approval.

Contact Details

Call – +1800 2666  (24×7 service available)

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E-mail – customersupport@icicilombard.com 

Official Website –  ICICI Lombard

FAQS

1). What is Befit Rider?

Befit covers your physiotherapy appointments, as well as physical and virtual consultations with general, specialist, and super-specialist doctors. This plan also covers pharmacy, minor procedures, routine diagnostics, and wellness programs, among other out-of-pocket charges.

2). Children of what age can be included in health policy?

You can include your children in your policy if they are between the ages of 90 days and 20 years. After 90 days, newborns can be enrolled in the policy.

3). Is my current plan covers COVID-19?

Yes, COVID-19-related hospitalization charges will be paid under the health insurance policy, subject to the terms and circumstances of the policy.

4). What is the annual sum insured?

The highest amount that an insurance company will pay you in the case of a claim during a policy year is known as the annual (basic) sum insured.

5). What is the waiting period?

A waiting period is the time limit after which you can file a claim. ICICI Lombard waiting period is mentioned below:

  • For unintentional hospitalization, there is no waiting period. 
  • All claims, except accidental hospitalization, have a 30-day deadline. 
  • Also before the diseases are covered for two years. These disorders must be disclosed at the time of application and accepted by us for policies with a sum insured of  3 lakh or more. 
  • For a conventional list of diseases and procedures, it takes two years.

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