Overview
In this year of health complications spreading around the world, ICICI Lombard health insurance proves to be the best insurance offering a wide range of plans to suit any customer. The terms of the policy are flexible, premium payment, rides, treatment coverage, and hospital networks altogether make it the best health plan.
List of best Health Insurance products from ICICI Lombard Health Insurance:-
- ICICI Lombard Health Insurance
- ICICI Lombard Health Booster
- ICICI Lombard Personal Protect Insurance Policy
- Disease Management Program
- Aarogya Sanjeevani Policy
- Corona Kavach Policy
ICICI Lombard Health Insurance :-
This plan is an all-out health care coverage arrangement that means to give inclusion to the proposer as well as his/her family. Inclusion choices are likewise adaptable. Clients can decide to make their cover more exhaustive by picking to cover basic sicknesses notwithstanding the fundamental arrangement.
| Entry age | The minimum entry age is 6 years according to individual policy and there is no limit to the maximum entry age. With the floating plan, babies are covered between 3 months and 5 years old. |
| Policy period | 1 or 2 years, as per plans. |
| Renewability | Lifetime |
| Medical Screening | No kind of health check is necessary until the age of 46(age of last birthday) and the sum is issued up to 10 lakh. |
| Floater benefit | Under the same plan, the insured individual, spouse siblings, sister dependent children, and dependent parents all are covered by the floater cover. The cover is paid for with a single premium. Children over the age of 3 months are eligible for coverage as long as at least one adult is included in the plan. |
| Sum Insured | Based on his/her specific insurance needs the consumer can select a sum insured between Rs.3 lakh and Rs. 50 lakh. Additional insurance coverage: 10% increase in sum assured for each year without a claim; maximum of 50% awarded at renewal. If a customer files a claim, the total additional sum insured would be reduced by 10% the next year. |
| Premium | It is dependent on the level of coverage you have chosen. |
| Coverage | Coverage for hospital stays Expenses incurred after and before being admitted to the hospital. Treatments for daycare include Treatments based on Ayurveda, Yoga, and Naturopathy (AYUSH) in Benefit from a reset Sum insured in addition Ambulance service in an emergency Checkups are provided for free. Program for well-being |
| Add-on covers | Hospital cash on a daily basis Maternity leave Benefits of Recovering At-home nursing Coverage for newborns Coverage for outpatient therapy As part of a compassionate visit, a family member will be given an air travel allowance. Checkups for wellness and prevention Expenses for donors Coverage for critical illnesses Coverage for medical evacuation Accident Insurance for Individuals |
ICICI Lombard Health Booster :-
The Health Booster plan presented by ICICI Lombard is a very top-up protection item that broadens inclusion for sicknesses and costs that are not covered under the base arrangement. The item is great for clients who are hoping to shield themselves from flooding clinical expenses and phenomenal clinical issues.
| Entry age | The least section age is 6 years for individual arrangement. Kids who matured from 3 months to 5 years can benefit from protection under the floater strategy. There is no restriction on the most extreme section age. |
| Renewability | Lifetime |
| Medical screening | Medical underwriting is required for a private who is quite 46 years aged or choosing Sum Insured quite Rs.10 lakh or both |
| Basis | Each member has his or her own cover |
| Coverage | To fit your demands, there are sum insured amount options ranging from Rs.5 lakh to Rs.50 lakh, as well as adjustable deductible alternatives (Rs.3 lakh, Rs.4 lakh, and Rs.5 lakh). Hospital Convalescence Benefit & Daily Cash Personal Accident Coverage, Temporary Total Disablement (TTD) Rehabilitation Coverage, and Repatriation of Remains are all optional. |
ICICI Lombard Personal Protect Insurance Policy :-
The Personal Protect Policy from ICICI Lombard provides coverage for Accidental Death and Permanent Total Disability (PTD). Terrorism is also covered by the ICICI Lombard Personal Protect Insurance Policy. Accidental Hospitalization Expenses and Accidental Hospital Daily Allowance are optional coverages.
| Eligibility | To purchase the policy, the buyer must be between the ages of 18 and 65. The policy can also be purchased for your spouse, children, or parent |
| Basis | Individual |
| Medical screening | Medical examination of each individual is not required. |
| Coverage | The policyholder can pick from Rs.3 lakh, Rs.5 lakh, Rs.10 lakh, Rs.15 lakh, Rs.20 lakh, and Rs.25 lakh as the sum covered. The plan provides coverage all across the world. The claim process is simple and requires little documentation. The buyer can purchase the coverage online and pay for it in installments. |
Arogya Sanjeevani Policy :-
The insurer pays your medical expenditures if you are hospitalized under the terms of the policy. The Arogya Sanjeevani Policy covers basic healthcare requirements. A floater system is used to provide coverage.
| Eligibility | Individuals between the ages of 18 and 65 are eligible to purchase the policy. Children who are dependent between the ages of three months and twenty-five years. |
| Renewability | On a permanent basis |
| Basis | Floater |
| Coverage | Hospitalization in a ward Treatment for dental problems Plastic Surgery is a type of surgery that involves the Treatment of cataracts Procedures for daycare Hospitalization both before and after Look around for free. Period You have 15 days from the day you received the insurance to file a claim. |
| Freelook period | Within 15 days from the date, you have received the policy. |
Corona Kavach Policy :-
The Corona Kavach policy is a Covid-specific policy that provides coverage during a global pandemic. Hospitalization charges for Covid-19 therapy are covered under the coverage.
| Eligibility | Individuals between the ages of 18 and 65 are eligible to purchase the policy. |
| Sum insured | Insurance coverage ranges from Rs.50,000 to Rs.5 lakh. |
| Renewability | Not applicable |
| Inclusions | Hospitalization on an inpatient basis The cost of an intensive care unit Treatment at home Floater advantage Post-hospitalisation Expenses for ambulances Pre-hospitalisation Cash cover for the hospital on a daily basis |
| Exclusions | Expenses for OPD Any treatment costs incurred outside of the United States Expenses for diagnosis Medicines that haven’t been given by a doctor |
Network Hospitals:-
ICICI Lombard Health Insurance has a large network of over 3,600 network hospitals in various locations across India. You can search for network hospitals by state, city, or area.
Examples of Network Hospitals in Major Cities:
| CITY | HOSPITAL’S NAME |
| Kolkata | Columbia Asia Hospital |
| Delhi | National Heart Institute |
| Banglore | Manipal Hospital |
| Chennai | Fortis Malar Hospital |
| Mumbai | Hinduja Hospital |
ICICI Lombard Health Insurance-Reviews:
ICICI Lombard’s iHealth Plan is a comprehensive plan designed to cover your health-related expenses during those tough times, lowering your financial stress and maybe limiting the negative consequences on your health. If you’re unsure about the coverage, go with the base plan and top up the sum insured with a super top-up plan at a low cost. Healthcare Plus, a Super Top Up plan from ICICI Lombard, protects you against medical bills if your current health insurance coverage is insufficient.
ICICI Lombard Health Insurance Customer Service Benefits:
Customer service:-ICICI Lombard is committed to a customer-centric service approach, among other things.
Claim Settlement:-ICICI Lombard had issued over 13.87 million policies and settled over 3.41 million claims as of March 31, 2015. This is a result of their outstanding claim settlement track record.
Technologically Sound: The company is regarded for being technologically advanced, and it has also won the Asia Insurance Technology Award 2014 for “Best Mobile Application.”
ICICI Lombard Health Insurance’s incurred claim settlement ratio for F.Y.2018-19 is 76 percent.
ICICI Lombard Health Insurance: Why Should You Choose It?
Claim Settlement in a Flash: Cashless claims are settled in as little as four hours after they are submitted. Within 14 days, demands for reimbursement are resolved.
Lifelong Renewability: This feature ensures that you will be qualified for health insurance anytime you need it. – Up to 100% of the reset sum insured: On claims made within the same insurance year, the predetermined sum covered is restored once every policy year, up to 100 percent. The reset sum insured applies to injuries and illnesses unrelated to the paid claim.
Alternate Medical Treatment:-Expenses for alternative medical therapies such as Ayurveda, Unani, Siddha, and Homeopathy (AYUSH) in government hospitals, government-authorized hospitals, or those approved by the Quality Council of India.
Coverage Benefits:-Preventive healthcare coverage, maternity, and newborn baby coverage, and other coverage advantages are available as add-ons to the base plan, depending on the policyholder’s specific needs.
Value-Added Services:- Consultations with expert medical practitioners, free health check-ups, and other value-added services are available.
Tax Benefits:- Under Section 80C of the Income Tax Act of 1961, tax benefits can be obtained on annual premiums paid for health insurance policies.
Claim process of ICICI Lombard health insurance:-
There are two methods for filing a claim under a health insurance policy: cashless and reimbursement. To put it another way, if you want to make a cashless claim, you must go to a network hospital of the insurance company that is serving your coverage. To receive therapy, you must first obtain authorization through the procedures outlined and in the prescribed form. In the event of a reimbursement claim, the insurance company must be notified according to their policies. After hospitalization, the policyholder must acquire documentation such as the claim form, discharge summary, prescriptions, and bills that must be presented for reimbursement.
You must notify ICICI Lombard within 24 hours of your admission if there are any emergencies. In the event of a planned emergency, the firm must be notified two days ahead of the hospitalization. ICICI Lombard’s 24-hour toll-free number 1800-2666 or SMS ‘HEALTH CLAIM’ to 575758 can be used to submit a claim (charge Rs 3 per SMS). You can also send an email to [email protected]. Send the essential documents to the registered address of the company.
Contact Information for Customers:
The following is the customer service contact information for ICICI Lombard Health insurance:
Registered Address:-ICICI Lombard House 414, P. Balu Marg, Off Veer Savarkar Marg, Near Siddhivinayak Temple, Prabhadevi, Mumbai – 400025
Customer Support:-ICICI Lombard General Insurance Co. Ltd. 401-402, Interface Bldg. No.11, Link Road, Malad (West), Mumbai – 400064
Email:-: [email protected]
1800 2666 (toll-free).
8655222666 is the contact number.
FAQ of ICICI Lombard health insurance:-
Which all hospitals are covered under ICICI Lombard’s cashless network?
Ans:- Cashless services are available at a network hospital. Click on the link to locate an ICICI Lombard network hospital near you, https://www.icicilombard.com/cashless-hospitals
What is hospital daily cash?
Ans:- If a person is hospitalized for at least three consecutive days (up to a maximum of ten consecutive days), a specific benefit amount is paid for each completed day of hospitalization. This is referred to as hospital daily cash.
How many times can one claim Hospital daily cash?
Ans:- A policy year’s worth of hospital daily cash can only be claimed once. It is restored every year as part of a multi-year policy.
Will selecting critical illness and donor expenses cover all insured?
Ans:- The policy covers a maximum of two persons (up to the age of 60). Children are unprotected.
How can I approach ICICI Lombard for portability?
Ans:- You are welcome to visit any ICICI Lombard branch. It is also feasible to achieve portability by contacting their individual agents, corporate agents, and brokers. Only like-to-like insurance, such as basic to basic or top-up to top-up, are transferable.
Where should I send my documents for making claims?
Ans:- ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhi Vinayak Temple, Prabhadevi, Mumbai – 400025 is the company’s registered address. ICICI Lombard’s 24-hour toll-free number 1800-2666 or SMS ‘HEALTH CLAIM’ to 575758 can also be used to make a claim notification (charge Rs 3 per SMS).