It is the amount over which Healthcare Plus Policy gets activated. Any claim under the deductible amount will not be reimbursed under this policy.

In this case the claim amount can go up to INR 11 Lakhs. The initial INR 3 Lakhs will be covered by you or the base policy. INR 8 Lakhs over that will be reimbursed under HCP.
In the above case, if your claim is for less than INR 11 Lakhs, say, for example, INR 7 Lakhs, the initial 3 Lakhs deductible will be covered by you or the base policy and the remaining 7-3=4 Lakhs will be covered by the Healthcare Plus policy. Your Healthcare Plus policy will have 8-4=4 Lakhs balanced Sum insured that you can use for health claims arising in the balance policy period.

No. Your Healthcare Plus Policy gets triggered when a single claim amount is more than the deductible amount.

This is because of the increase in the deductible amount. The probability of claim reduces with an increase in the deductible amount.

The premium rates are based on the sum insured opted for, the coverage selected and the tenure of the policy. You can calculate the premium using our calculators.

You can call our call centre and buy this product on the phone.
Also, you can make secure premium payments with your VISA, Master or AMEX Credit card.

In case of a planned hospitalisation or emergency services, use your Health ID Card at any of our network hospitals and avail cashless service. Call your service provider helpline number printed on your health cashless claim card for assistance.

The claims for Healthcare Plus Policy are serviced by our very own claims processing portal. It has always been our endeavour to provide the best policy and services to our valued customers. In-house claim servicing is one of our initiatives towards this commitment.
In case of emergency or planned hospitalization, just use your health ID card at network hospitals and avail of cashless services..
Call our 24-hours-toll-free number 1800 2666 for complete assistance.

In case of a Cashless hospitalisation, the claim can be of two types:
Planned:
Where the member of the covered family is aware of the hospitalisation 2-3 days in advance. In case of planned hospitalisation, call our 24-hours-toll-free number 1800 2666 for complete assistance. Fax/submit the required documents. E.g. Doctor’s certificate, medical bills etc.
Emergency:
In case of emergency or unplanned hospitalization, just use your health ID card at ICICI Lombard Healthcare network hospitals and avail of cashless services. Call our 24-hours-toll-free number 1800 2666 for complete assistance.

A service provider is a specialised health service provider rendering a variety of services like networking with hospitals, arranging for hospitalisation, claim processing and documentation. Service providers can be a third party or a separate specialised department of the Insurer. For instance, ICICI Lombard Healthcare is such a specialised department of ICICI Lombard General Insurance company.

Please click here for your policy document.
I want to change my DOB in the policy documents. It is printed incorrectly on the documents.
A DOB change may affect the premium. Please call us on our toll free number (1800 2666) or visit our nearest branch with the policy details for the same.
I want to rectify the proposer name/insured name in the policy documents.
Please call us on our toll free number (1800 2666) or visit our nearest branch with the policy details for the same.
I want to rectify/change my address in the policy documents.
Please call us on our toll free number (1800 2666) or visit our nearest branch with the policy details for the same.
I want to rectify the gender of proposer/insured in the policy document.
Please call us on our toll free number (1800 2666) or visit our nearest branch with the policy details for the same.
I want to add more family members in my existing insurance policy.
Please note that the addition of a member is not allowed during the policy tenure. It can be done only at the time of renewal, subject to the terms and conditions of the policy and the underwriter’s review. However, you can buy a new policy for the additional member at any time.
I want to remove one of the insured persons from my existing policy.
Please note that removal of any member is not allowed during the policy tenure. It can be done only at the time of renewal.
I want to increase/decrease the sum insured of my health policy.
Please note that the increase/decrease of the sum insured is not allowed during the policy tenure. It can be done only at the time of renewal, subject to the terms and conditions of the policy and the underwriter’s review.
I want to rectify the relationship in my policy document.
Rectification in relationship is subject to your declaration of the same at the time of buying the policy (on the proposal form or over the call). We will be able to rectify this only after matching and verifying the details with the proposal form or call. Please call us on our toll free number (1800 2666) or visit our nearest branch with the policy details for the same.
I want to exclude/include a pre-existing disease in the policy.
Please call us on our toll free number (1800 2666) or visit our nearest branch with the policy details for the same.

Changing the date of birth on your policy document may affect your premium. You need to visit our nearest branch to get this change incorporated.

• Please call us on our toll free number (1800 2666) with your policy details
• You could also visit our nearest branch to get this rectification done