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Comprehensive health policy
Comprehensive policy for the whole family. Comes with exclusive benefits like no room rent capping, no co-payment, OPD cover & lifelong renewability. Coverage starts from ₹5 lakh for a monthly premium as low as ₹542*. The monthly premium mentioned for ICICI Lombard Complete Health Insurance is the policy base premium calculated based on a persona of an individual with age of 21 years.
Standard health policy
Standard policy for your primary healthcare needs. Ideal for those who need a starter health insurance policy on an individual or family basis. Coverage ranges from ₹1 to ₹5 lakh.
Increase your existing
Super top-up policy to enhance your existing health coverage. Covers your medical expenses when your basic insurance plan falls short. Coverage goes up to ₹50 lakh. cover value
Accident protection
Accident protection policy. Gives coverage against death or permanent total disablement (PTD) due to an accident. Coverage goes up to ₹25 lakh.
#No medical tests will be required for insurance cover below the age of 46 years and sum insured up to ₹10 lakh. *As on June 30, 2022.
You can avail timely medical services without worrying about finances at any of our 6500+ network hospitals. Please note that all 6500+ network hospitals may not have isolation wards or testing facility for COVID-19. However, we have included relevant government hospitals and private hospitals in our network list that provide the aforementioned facilities. As the situation evolves and COVID-19 related hospital facilities expand, we will be updating the lists to reflect the same. In light of recent events, we’ve also taken the following steps to ensure your claim experience remains as smooth as possible:
Click on the links below to view detailed list of facilities. We will be making changes to the lists provided as the situation develops.
Enjoy tax benefits
Enjoy tax deduction benefits on the premium amount paid for yourself, spouse, dependent children
Secure wellness, health and maternity expenses
Add-on cover for Outpatient Treatment, Wellness and Preventive Healthcare and Maternity Benefit
Get free value-added services
In addition to coverage benefits of your policy, you also get access to an online chat with a doctor, free health check-ups and e-consultations to help you stay fit and healthy.
Secure health costs for as long as you live
With our lifetime renewal facility, there is no upper age limit to your policy. Continue to renew it and stay protected from medical expenses.
Now reset your sum insured up to 100%
Once in a policy year, your sum insured amount will be reset up to 100%
Get cover for alternative therapies with AYUSH
Get covered for Ayurveda, Unani, Siddha and Homeopathy (AYUSH) treatment while you are hospitalized.
We guarantee on time claim service
Get a quick response: for cashless claims in 4 hours and reimbursement claims in 14 days.
For e.g. A premium of Rs. 25,000/- is fully deductible under Section 80D of the Income Tax Act. You would save Rs. 7725/- on your tax payable at maximum tax slab.
Key Points to note:
This is an add-on cover, to be purchased separately, if desired.
Maternity and New Born Baby Cover:
Wellness and Preventive Healthcare and Outpatient Treatment Cover:
The reset will trigger only for claims within the same policy year excluding the first claim, and if it is unrelated to the illness/disease/injury for which a claim has been paid in that policy year for the same person.
Expenses covered for Ayurveda, Unani, Siddha and Homeopathy (AYUSH) treatment only when it has been undergone in a government hospital or in any institute recognized by the government and / or accredited by Quality Council of India/ National Accreditation Board on Health.
a)For Reimbursement Claims: We shall make the payment of admissible claim (as per terms & conditions of Policy) OR communicate non admissibility of claim within 14 days after you submit a complete set of documents & information in respect of the claim. We shall pay 1% interest over and above the rate defined as per IRDA regulations 2002. b)For Cashless Claims: If you notify pre-authorization request for cashless facility through any of our empanelled network hospitals along with a complete set of documents & information, we will respond within 4 hours of the actual receipt of such pre-authorization request with approval or rejection or query seeking further information. In case of delay in response by us beyond the time period, we shall be liable to pay Rs.1,000 to the insured.
Yes, hospitalization expenses on account of COVID-19 will be covered under the policy in accordance with the policy terms and conditions.
Claim intimation can be done online on IL Health Care or using our mobile app, IL Take Care Scanned copies or photographs of all claim related documents can be uploaded in the app. Further, the Insured is required to furnish/courier hard copies of all requisite claim documents at his/ her own expense to the below mentioned address: ICICI Lombard Healthcare, ICICI Bank Towers, Plot No. 12, Financial district, Nanakramguda, Gachibowli, Hyderabad- 500032
In case your policy has an Outpatient Treatment Cover, then waiting periods are not applicable. A claim under Outpatient Treatment Cover can be made in accordance with the claims procedure mentioned in the policy wordings. In case of hospitalization on account of COVID-19, the hospitalization expenses incurred will be covered provided the illness is contracted after completion of 15 days in case of a fresh policy. In case of a policy that has been renewed continuously without a break or in case of policies that have been ported in to ICICI Lombard, the 15 day condition will not be applicable.
Sum insured enhancement will be allowed based on medical assessment in accordance with the underwriting guidelines. However, such sum insured enhancement will be done only at the time of renewal.
The expenses towards vaccination will be covered in case the policy has Outpatient Treatment Cover.
In case your policy has an Outpatient Treatment Cover, then these expenses will be covered in accordance with the policy terms and conditions.
In case the quarantine is in a hospital on the advice of a Medical Practitioner, then the medical expenses incurred will be covered in accordance with the policy terms and conditions. However, expenses incurred on account of self-quarantine or quarantine at home will not be covered.
No. The geographical scope of the policy is limited to India.
So long as the hospitalization is in India, the travel history will not affect the admissibility of claim under the policy.
The non-payable expenses as listed by IRDAI will not be covered under your policy.
Yes, provided that they are covered under ICICI Lombard Health Insurance policy.
In case your policy has an Outpatient Treatment Cover, then all consultations with a Medical Practitioner and diagnostic tests as advised by a Medical Practitioner are covered. A claim under Outpatient Treatment Cover can be made in accordance with the claims procedure mentioned in the policy wordings. Further, in case there is hospitalization on account of COVID-19 and the same has been paid under the policy, then all expenses related to COVID-19 incurred on account of consultations with a Medical Practitioner and diagnostic tests as advised by a Medical Practitioner in the 15 day period prior to date of admission and 60 day period after date of discharge will be covered in accordance with the policy terms and conditions.
Running & Jogging Tips to Run for Longer Time
Medication and treatment costs for critical illnesses can be huge; however, a bit of prudent planning helps.
*Conditions apply
Refer to the Policy Wordings document to understand exactly what all your policy covers, so you can benefit from it better.
For the first 2 years, some diseases like cataract, hernia, stone in the urinary system and others will not be covered.
If the Policy is renewed with us for two consecutive years, the above diseases / illness / ailments will be covered from the third year. If these are pre-existing diseases at the time of inception of the policy, the same will be covered after the two years ## onwards, subject to continuous renewal of the policy with us.
#Any claim for Cataract treatment shall not exceed Rs. 20,000 per eye, during each Policy Year after 2 years from the Policy start date.
##4 years for Sum Insured 2 Lacs.
Pre-existing diseases, non-allopathic treatments and some other expenses are permanently excluded from being covered.
It’s always a good idea to be aware of what is excluded from your policy; so make sure you read the Policy Wordings
Duly filled Claim form (signed by the Insured and the treating doctor)
Discharge summary (with details of complaints & the treatment availed
Final Hospital Bill (detail breakup) along with interim bills
Payment Receipts
Doctor's consultation papers
All investigation reports (e.g. Blood report, X-ray, Sonography, MRI, etc.)
All pharmacy bills supporting with doctor prescriptions
Implant sticker / invoice, if used (e.g. lens details in cataract case, stent details in angioplasty)
Medico Legal Certificate (MLC) and / or FIR for all accident cases
For miscellaneous charges - detail bills with supporting prescription of the Treating doctor
Copy of Health card
Any other related documents
Note: All documents should be Original
Claims may be Approved or Rejected or Queried:
Approved Cases - Settlement letter and the cheque in favour of the proposer is sent at the mailing address mentioning approved and disallowed amount and reasons.
Queried Cases - Query letter is sent to the insured requesting submission of additional documents/information. Two query reminders are also sent within a span of 15 days each, failure to revert within 45 days of initial query leads to closure of the claim. Closure of a claim is not equivalent to rejection. Closed cases may be reopened if adequate documents are provided.
Rejected Cases - Rejection letter is sent to the insured mentioning sufficient grounds as per the terms and conditions of the policy.
Make sure to fill up the mobile number in pre-authorisation form
Non-payable items have to be borne by the Insured
In case of cashless denial, the Insured has to pay the hospitalisation expenses
In case of planned surgery, send the pre-authorisation form in advance ( but not before 15 days from the admission date)
All claims to be submitted within 21 days from the Date of Discharge (DOD)
Post hospitalisation claims may be submitted within 81 (60 + 21) days from Date Of Discharge
Use the website to access the claims tracker, network hospital list, e-card and various other information and services
Do not refer network list of any other service provider
Do not submit the claim documents at any local ICICI Lombard GIC Ltd office
Always keep a photocopy of the claim documents submitted to ICICI Lombard GIC Ltd
All claim forms should be duly and completely filled
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Payments include:
Accommodation Charges - Room Rent (as per eligibility)
ICU Charges (wherever applicable)
Treating Doctor fees (e.g. - Surgeon charges, Visit fees, Consultation fees, etc.)
Nursing Charges
Anesthesia & Anesthetist charges
Operation Theatre charges (wherever applicable)
Investigation charges
Pharmacy bills
Consumables
Implant(s) charges (wherever applicable) - e.g. Stents, Lens, etc.
Exclusions include:
Ambulance charges (unless specified in policy)
Administration charges
Admission / Registration fees, File / Records Management charges
Service / Surcharges
Bed booking / Reserving charges
Food & Beverages
Soaps , Toiletries & Laundry
Patients’ Attendant charges
Special Nurse / Attendant charges
Telephone / Photocopy / Courier / Insurance Processing Fees, etc
FIR / MLC charges
Others (non-insurance, items not related to treatment)
All Items mentioned as exclusions in the policy
Doctor’s consultation papers
Rejected Cases - Rejection letter is sent to the insured mentioning sufficient grounds as per the terms and conditions of the policy. Note: All documents should be Original
Non-payable items and co-payment charges have to be borne by the Insured
Use the website to access the claims tracker, network hospital list, e-card and various
other information and services
Do not submit the claim documents at any local ICICI Lombard office
Always keep a photocopy of the claim documents submitted to ICICI Lombard
Implant(s) charges (wherever applicable) – e.g. Stents, Lens, etc.
Deductions include:
Get admitted in any of our network hospitals
Send us a fax of your pre-authorisation form and relevant documents
Our ICICI Lombard Health Care team reviews the claim and accepts, rejects or raises a query
Your claim is settled by the ICICI Lombard Health Care team
Upon discharge, pay all hospital bills and collect all original documents of treatments and expenses undergone
Mail the duly filled (and signed by insured and treating doctor) claim form and required documents to your service provider (ICICI Lombard Health Care or TPA)
ICICI Lombard Health Care reviews your claim request and accordingly will approve, query or reject the same (as per policy terms and conditions)
ICICI Lombard Health Care settles the claim (as per policy terms and conditions) and reimburses the approved amount
Get admitted in any one of the TPAs network hospitals
Fax the pre-authorisation form along with relevant documents (Investigation reports, Previous consultation papers, Cashless ID, Photo ID)
Your service provider reviews your claim request and accordingly will approve, query or reject the same
Your service provider settles the claim (as per policy terms and conditions) with the hospital after completion of all formalities
Mail the duly filled (and signed by insured and treating doctor) claim form and required documents to your service provider (TPA)
Your service provider settles the claim (as per policy terms and conditions) and reimburses the approved amount
Cashless Facility is only available at hospitals in our cashless network.
In case of Planned Hospitalisation contact your service provider two days prior to admission.
In case of Emergency Hospitalisation contact your service provider within 24 hours of hospitalisation.
For intimating the claim, please call our 24x7 toll free number 1800 2666 or SMS ‘HEALTHCLAIM’ to 575758 (charge – ₹ 3 per SMS) or email us at ihealthcare@icicilombard.com. Please send the relevant documents to : ICICI Lombard Health Care, ICICI Bank tower, Plot No. 12, Financial District, Nanakramguda, Gachibowli, Hyderabad -500 032
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 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.
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’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:
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.
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.
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
What is the difference between a family floater and critical illness or hospital cash insurance?
What are the covers offered under Pre and Post Hospitalisation Expenses?
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 .
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?
Will I get covered for my pre-existing illnesses?
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 parameters are considered for calculating the premium?
What is the procedure for reimbursement settlement?
What is the process for claim?
What are the steps for cash settlement
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?
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.
What- is a Health Card?
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.
“Extremely happy. Very satisfied with your express settlement of claims.My experience with you is unique as compared with others. I wish your... ”
Dilip V Bhide - Nagpur - Proposer
“You can say that I am big 'fan' of ICICI Bank. This is one of the main reasons, I went to ICICI Lombard for my health insurance and 2-wheele... ”
Pawan Kabra - Surat
“Appreciate your quick response to my recent follow up for my insurance policy. I got my policy certificate within hours of the same day. ”
Haridas Fopalan - Abu Dhabi - Senior Purchasing Officer, Ali & Sons Contracting Co. LLC
“Your service support and network is very good. Also your disease covered is also reasonable. ”
Gaurang Desai - Goa - Manager Manufacturing, Tulip group
“Thanks for the very quick and immediate settlement of my hospital expenses reimbursement claim on 17th Feb 2016, Even though it took some ti... ”
R Krishnamoorthy - Bangalore - Retired Deputy General Manager, BSNL
“Fine service and feed back is good online renewal must be made easy. ”
E Prakash Chennai Employee SBI
“I have used ICICI bank site for online purchase of Health Insurance for my family. It was a nice experience and I enjoyed it. I could get de... ”
P.D. Kulkarni - Bank Manager - Mumbai
“I am happy with the services offered by ICICI Lombard General Insurance Company. I have medical policies from different companies for my fam... ”
Ashish Shah - support-manager - Mumbai
“I am quite amazed to buy a policy from ICICI Lombard. There was no paperwork, no health check-up, no cheque payments, no reminder calls etc.... ”
Ajit Deshpande - Software Engineer - Pune
“My 4 year old son was recently diagnosed with acute lymphocytic leukemia which is a type of blood cancer. Doctors in Lucknow immediately ref... ”
Raj Pathak
“Saksham helps new joinees to gain knowledge on industry, products and ICICI Lombard’s processes in depth from their seniors. Every interacti... ”
Harsh M
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