ICICI Health Insurance

What is Covered?

1. Hospitalisation cover  
2. Post & pre hospitalisation costs  
3. Day care treatments cover  
4. AYUSH treatments at approved hospitals  
5. Reset benefit  
6. Additional sum insured  
7. Emergency ambulance cover  
8. Free health check-up  
9. Wellness programme 

Add-on Covers

1. Hospital daily cash
2. Maternity benefit
3. Convalescence benefit
4. Nursing at home
5. Newborn baby coverage
6. Outpatient treatment cover
7. Air travel allowance for family member as part of compassionate visit
8. Wellness and preventive health checkups
9. Donor expenses
10. Critical illness cover 
11. Medical evacuation coverage
12. Personal Accident Cover

ICICI Health Insurance Plans Details

1. ICICI Lombard Complete Health Insurance: 

The ICICI Lombard Complete Health Insurance plan is a total health insurance solution that aims to provide coverage to not just the proposer but also his/her family. Coverage options are also flexible. Customers can choose to make their cover more comprehensive by opting to cover critical illnesses in addition to the basic plan. 

2.  ICICI Lombard Health Booster: 

The Health Booster plan offered by ICICI Lombard is a super top-up insurance product that extends coverage for illnesses and expenses that are not covered under the base plan. The product is ideal for customers who are looking to protect themselves from surging medical costs and unprecedented medical issues. 

3. ICICI Lombard Personal Protect Insurance Policy: 

ICICI Lombard offers the Personal Protect Policy that provides coverage for Accidental Death and Permanent Total Disability (PTD). The ICICI Lombard Personal Protect Insurance Policy offers coverage for terrorism as well. An optional cover is offered for Accidental Hospitalisation Expenses and Accidental Hospital Daily Allowance. 

4. Arogya Sanjeevani Policy:  

Under the policy, in case you are hospitalised, the medical bills are paid by the insurer. Basic healthcare needs are covered under the Arogya Sanjeevani Policy. Cover is provided on a floater basis. 

5. Corona Kavach Policy: 

A Covid specific policy that provides cover during the global pandemic is the Corona Kavach policy. Under the policy, hospitalisation expenses are provided for Covid-19 treatment.   

Avail Tax Benefits with ICICI Lombard Health Insurance Policies

policyholders are liable to save tax under Section 80D of the Income Tax Act, 1961. Listed below are the tax deductions benefits of all ICICI Lombard health insurance plans. 

Value-Added Benefits Under ICICI Lombard Health Insurance Plans

1. Free value-added services offered by ICICI Lombard Health Insurance are: 
2. Free health check-up which includes medical examination, fasting blood sugar, urine routine, blood grouping and Rh, CBC, ECG, Hb%, PPBS – Post Prandial, and Total Cholesterol. 
3. Online chat with ICICI Lombard-appointed doctor. 
4. To help customers stay fit and healthy, benefit from the insurer’s value-added service - dietician and nutritionist consultation. 
5. Specialist consultation with one follow-up session. 
6. The in-house wellness and claim processing platform, ICICI Lombard Health Care, delivers multiple wellness initiatives and easy claim processing services. 
7. The Health Advisor facility is an online platform that enables customers to share their experiences about medical facilities and record reviews. 

ICICI Lombard Health Insurance Customer Care

ICICI Prudential Life Insurance Company Ltd. is one of India’s largest and most trusted insurance provider which was established in 2001 after a partnership between Prudential Corporation Holdings Limited, and ICICI Bank Ltd. Since its inception, the company has grown by leaps and bounds, and is now counted among the very best, in terms of its product offerings and quality of service, in the Indian general insurance space. Under its health insurance arm, ICICI offers a number of policies which are designed to meet varying customer needs. 

 You can Call at 1800-103-2292 or write to on customersupport@icicilombard.com

In addition to offering stellar products, ICICI also lays emphasis on providing its customers with friendly and dedicated round-the-clock support for resolution of queries, complaints and grievances. Customers can get in touch with the support representative not only via phone but also via email. They can call on the insurer’s toll-free helpline number which is accessible round the clock. Customers can also email their queries and grievances to the customer support team at the provided email address to receive a response shortly. Customers can also get in touch with the support staff by reaching out on their fax line numbers, or by mailing them at their registered office address as well. 

How to File a Health Insurance Claim with ICICI Lombard Insurance?

There are 2 types of claims a policyholder can make with ICICI Lombard Health Insurance: 

1. Cashless Claim: Visit a network hospital of ICICI Lombard Health Insurance and show the health card at the desk. The hospital will submit a pre-authorisation request form to the insurer. After verification, the insurer will approve or reject the request. Upon approval, the network hospital will proceed with the cashless treatment for the insured member and the insurer will settle the bills directly with the hospital. Upon rejection, the insured member can seek treatment and pay for the bills out of his or her pocket, then file a reimbursement claim after discharge. 

2. Reimbursement Claim: At the time of discharge, collect all the original medical documents from the hospital and submit it along with a duly-filled claim form to the insurer for a reimbursement claim of your medical expenses. The insurer shall settle the claim amount with the insured member within 15 days of receipt of all the relevant documents. The claim shall be approved or rejected as per the policy terms and conditions.