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ICICI Lombard Health Insurance

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Overview of ICICI Lombard Health Insurance

ICICI Health Insurance provides a variety of health insurance plans that cater to diverse customer needs. The plans offer flexibility in policy terms, premium payments, treatment coverage, and access to a wide network of hospitals. Additionally, customers can benefit from adding riders to their policy for added protection.

 

ICICI Lombard General Insurance Co. Ltd. is a strong player in the Indian general insurance industry, thanks to the collaboration of two separate entities. They provide insurance solutions for both individuals and companies, offering personal and business financial protection products. Their range of retail insurance solutions covers various areas such as auto insurance, travel insurance, personal accident coverage and health insurance.

 

ICICI Lombard General Insurance has consistently garnered recognition for its customer-centric approach and innovative solutions at various award forums, reflecting the trust the company’s customers have placed in it.

 

In 2016, ICICI Lombard was honoured with the Golden Peacock Award for Business Excellence and the Claim Service Leader Award, as well as the Technology Innovation Award at the Indian Insurance Awards. The previous year, in 2015, the company received the Golden Peacock Innovation Management Award and the E-Business Leader Award in the General Insurance category at the Indian Insurance Award.

 

Awards and Achievements in 2023

 

  • CX Strategy Summit & Awards for CX Technology Implementation and the Customer Experience Team of the Year
  • Assocham 14th Global Insurance Awards in ‘Highest Growth GI’ Category
  • CSR Times Awards for Niranjali Initiative in the Swachh Bharat category
  • Dun & Bradstreet BFSI Fintech Awards in Best Insurance Company in Non-Life Insurance sector category
  • Finnoviti Awards 2022 for our Face Scan feature of IL TakeCare App
  • Golden Peacock National Training Awards 2023
  • e4m Impact Influencer Awards ‘BeFit Campaign’ in the Best Influencer category
  • India Customer Excellence Summit & Awards 2022 for Best Innovation in CX, CX Leader of the Year
  • Kyoorius Creative Awards 2022 for our BeFit Campaign

 

Awards and Achievements in 2022

 

  • The company won 2 Gold at the ACEF Asian Leadership Awards for the “Combatting COVID-19” initiative and the #STOPTHEHELMETEXCUSE - Ride to Safety campaign.
  • The company won two awards at the Mid-Day Business Innovation Awards.
  • Recognized as a Superbrand showing dedication to delivering innovative insurance solutions. 
  • ICICI Lombard received a Leadership category rating by IiAS for Indin Corporate Governance in 2021. The score is based on the evaluation of S&P BSE 100 companies using the Indian Corporate Governance Scorecard framework. 
  • ICICI Lombard won the Quantic Awards for the Best Use of Technology in Customer Service in IL TakeCare App’s Face Scan feature. 
  • It won the E4M Prime Time Award for the Critical Illness CSR campaign, celebrating TV commercial excellence. 
  • ICICI Lombard received a Dream Team Award in the People category for Best Practice under Champions Investing, honouring corporate efforts and organizational culture. 
  • “Caring Hands” won the CSR Journal Excellence Award for Health & Sanitation, honouring Corporates & Individuals for social initiatives. 
  • ICICI Lombard received the “ET Best BFSI Brand of the Year” award under the Insurance Sector category for improving business models and investing in customer experience and innovation. 
  • IL TakeCare App Face Scn won Bronze at the IPRCC awards for the Best use of Innovation. 
  • National Feather Awards for the Best Use of IT in Healthcare recognizes outstanding contributions to the industry and society and its innovative Face Scan feature on IL TakeCare App earned this prestigious recognition. 
  • Received two awards at INKSPELL’s “Unlocked Awards 2022”. Best CSR initiative for #RestartRught Campaign and Best Innovation for “IL TakeCare App”. 
  • The company won the “ACEF Award” in the 11th ACEF Global Customer Engagement Awards for the successful use of technology in customer service. It recognizes extraordinary solutions to improve customer service. 
  • IL TakeCare Face Scan feature won the “Best Use of Technology in Customer Service” at the Finnoviti Awards 2022 organized by Banking Frontiers. 
  • The company won the “CX Technology Implementation of the Year” and “Customer Experience Team of the Year” at the 9th Edition CX Strategy Summit & Awards. 
  • Received 3 awards at the Customer FEST Awards 2022 by Kamikaze B2B Media: Most Innovative Technology Initiative of the Year”, “Best Customer Experience in Financial Sector - Non-Banking” and “Best Digital Customer Experience Initiative”. 
  • Voted Asia’s Most Trusted Brand in 2022 for insurance by Consumers Asia. 

 

Awards and Achievements in 2021

 

  • The company received the FICCI CSR Excellence Award for the “Best CSR Initiative-Non-Life Category” for the “Caring Hands” campaign. 
  • The company was awarded the “Best General Insurance Company” award at the 4th Annual Awards.
  • IL TakeCare App won the Gold Award in the “Most Effective App for Consumer” category. 
  • ICICI Lombard won the Dun & Bradstreet’s BFSI & Fintech Award for being India’s Leading General Insurance Company - Private.
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Key Features of the ICICI Health Insurance Company

Here are some of the key features of the ICICI Health Insurance company that you must be aware of.

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ICICI Lombard Health Insurance Contact Details

You may contact ICICI Health Insurance using the below-mentioned information if you have any queries about ICICI Health Insurance plans:

  • IL TakeCare App - Use the IL TakeCare app to manage insurance and wellness needs, while maintaining control over the policies.
  • Download the IL TakeCare App Ask RIA - Download the IL TakeCare APP and use RIA (Responsive & Intelligent Assistant) for seamless solutions.
  • Connect with RIA ICICI Lombard on WhatsApp - Chat with RIA ICICI Lombard on WhatsApp at 7738282666 for services and conversations.

ICICI Health Insurance Add-On Riders

Check out various riders available with ICICI Lombard health insurance plans:

ICICI Lombard Health Insurance Inclusions

  • Some plans cover hospital expenses during the policy year.
  • Insurance covers recommended daycare procedures and surgeries.
  • Health insurance covers pre-hospitalization expenses for 30 days before admission and post-hospitalization expenses for 60 days after discharge.
  • Health insurance covers in-patient AYUSH treatment in a government or accredited institution
     

ICICI Lombard Health Insurance Exclusions

  • Diagnostic costs are not covered unless in the policy or necessary for treatment.
  • Cosmetic or plastic surgery is not covered by ICICI health insurance but the same will be covered for burns, cancer, accidents or essential medical conditions.
  • Dangerous activities not covered by health insurance.
  • Substance abuse and its consequences.
  • Medical expenses resulting from the insured person’s criminal behaviour are not covered.
  • Health insurance does not cover over-the-counter dietary supplements.
  • Cost of medical procedures for contraception, terminating pregnancy and reproductive issues.
  • Dental procedures (will be covered only if caused by an accident).
  • Birth defects or congenital anomalies.
  • Unproven treatments and related costs.

ICICI Lombard Health Insurance Claim Process

The ICICI Lombard health insurance plan offers comprehensive coverage with an infinite claim amount and sum insured restoration benefit. Here's a step-by-step guide on how to file a claim under this policy.

Cashless Claim Process

Reimbursement Claim Process

  1. During hospitalization, show your ICICI Lombard e-health card and a government-issued ID card at any of the 6500+ network hospitals 
  2. TPA will help with the claim form and the ICICI Lombard team will handle the rest
  3. Your cashless claim will be assessed and you will receive an update about your treatment within 1 hour of the claim’s receipt
  4. At discharge, pay what is not covered by the policy and the rest will be settled by ICICI Lombard
  1. Pay the full bill amount at the non-network hospital and collect all the documents
  2. Submit your reimbursement claim through the IL TakeCre app, WhatsApp or by sending hospitalization documents with the filled claim form to the specified address
  3. ICICI will ensure your claim is processed and completed within 8 days of your registration
  4. Track your claim status through the IL TkeCre app, WhatsApp or the ICICI Lombard website

Documents Required to Buy ICICI Health Insurance

  • Age-proof documents are important to meet the age requirement for Health Insurance. Acceptable documents include Voter ID, PAN card Aadhar card, driving license or birth certificate.
  • Proof of identity is required from the insured individuals, such as Voter ID, passport, Aadhar card or driving license. Indian PAN cards are no longer accepted.
  • To issue health insurance, the company requires proof of address. Acceptable documents include ration cards, driving licenses, passports, rent agreements, PAN cards, Aadhar cards or utility bills.
  • Passport photos may be required by the insurer.
  • Medical reports depend on the insurer’s requirements.
  • Completed and signed proposal forms are required for proper processing.

Documents Required for ICICI Health Insurance Claim Process

  • Complete the claim form with your signature and ID proof.
  • Prescriptions for hospitalization, tests and medications.
  • Pharmacy bills, case papers and ambulance receipts are needed for invoice.
  • Insurance documents with the insured’s name, address and illness details.
  • Additional documents for claim settlement.

Best Health Insurance Plans In India

When it comes to the best health insurance, there is no “one-size-fits-all” policy. It is like choosing a Netflix or OTT plan - different plans offer different benefits and have different costs. However, this age is designed to meet the diverse needs of most users, making it a versatile and comprehensive health insurance comparison page.

It is essential to conduct a thorough comparison to find the policy that best suits your needs. We have created a comprehensive table of how some of the top mediclaim policies in India compare to others in the industry.

Insurance Provider Plan Name Coverage Type Sum Insured Range Age Limit (Adults) Important Parameters
Care Advantage Health Insurance Plan Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
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ICICI Elevate Health Insurance Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
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IFFCO Tokio Family Health Protector Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
Check Premium
Niva Bupa Aspire Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
Check Premium
Arogya Supreme Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
Check Premium
TATA AIG Medicare Lite Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
Check Premium

Frequently Asked Questions (FAQs)

A.

ICICI Lombard’s diverse range of health insurance plans in India is designed to shield individuals from the escalating expenses associated with medical treatment and hospitalization resulting from illness or accidents. The goals of their health insurance products are to provide financial security and peace of mind, ensuring that individuals can access quality healthcare without the burden of excessive costs. 

A.

ICICI Lombard provides a variety of health insurance plans that accommodate various requirements and financial capabilities:

  • Individual Health Insurance
  • Family Health Insurance
  • Senior Citizen Health Insurance
  • Critical Illness Insurance

A.

Yes, ICICI Lombard offers a comprehensive network of hospitals on their website, allowing policyholders to easily locate healthcare facilities in their vicinity that provide cashless claim settlement. This convenient feature enables customers to access quality medical care without having to worry about the financial aspect of the treatment.

A.

Yes, you can obtain a quote for an ICICI Lombard Health Insurance plan either on their official website or by consulting an insurance agent.

A.

ICICI Lombard Health Insurance offers a diverse range of health insurance plans to cater to the needs of individuals, families, women, senior citizens and persons with disabilities in India. Established in 2001, it is a prominent general insurance company resulting from a joint venture between ICICI Bank and Fairfax Financial Holdings.

A.

To file a claim with ICICI Lombard Health Insurance, follow these steps:

  1. Notify ICICI Lombard in advance of planned hospitalizations or within 24 hours of emergencies
  2. Cashless treatment at network hospitals or pay and claim at non-network hospitals when hospitalized
  3. Fill out and send the pre-authorization form and documents to the claims team
  4. Pay non-payable bills at discharge and ICICI Lombard will settle the authorized bill amount with the hospital

A.

To access your ICICI Lombard Health Insurance policy details, simply follow these steps:

  • Log into your ICICI Lombard online account
  • Contact the customer care and share your policy information
  • Go to the ICICI Lombard branch with your policy documents

A.

You can renew your ICICI Lombard Health Insurance policy in the following ways:

  • Online: Go to the ICICI Lombard website, log in and click on Renew
  • Offline: Contact the nearest ICICI Lombard branch or customer care for the renewal process

A.
  1. Go to ICICI Lombard’s official website and log in
  2. Click on the dashboard on the homepage to access your policy
  3. Go to “Support” and choose the same
  4. Click “Ask RIA” and select “Already a Customer”
  5. Click on “Download your policy” and provide the policy number, mobile number or Unique Health ID (UHID) for document retrieval

A.
  1. Contact ICICI Lombard’s customer service to cancel your policy either through helpline or the local branch
  2. Have the policy number and identification ready for cancellation
  3. Confirm that your policy has been cancelled and ask about any applicable refunds

A.
  1. Visit the ICICI Lombard website and log into your account
  2. Go to the claims section on the dashboard and click on it
  3. Choose the claim type, i.e cashless or reimbursement
  4. Complete the online claim form with your policy number, incident details and supporting documents
  5. Submit the completed claim for processing

A.
  1. Please visit the ICICI Lombard website and go to the claims section. You will be able to find and download the relevant claim form (IPD or OPD) from there
  2. Please make sure to enter your full name, complete address, and policy number when providing personal information
  3. Please provide treatment details, hospital name, and hospitalization dates for the claim
  4. Attach medical bills, discharge summaries, and required paperwork
  5. Submit the completed claim form online or at the branch

A.
  1. Please go to the ICICI Lombard homepage by visiting the ICICI Lombard website
  2. Locate the "Login" option at the top right corner of the page and click on it to proceed with the login process
  3. Please provide your registered mobile number and password to log in. If you're new here, you might need to sign up before proceeding
  4. After logging in, you will have the ability to easily handle your policy, submit claims, and retrieve necessary documents

A.

To check the status of your health insurance claim, follow these steps:

  1. To check the ICICI Lombard claim status, simply visit their official website
  2. Please provide either your Claim Number, AL Number, or Policy Number, as well as your mobile number, to check the status of your claim
  3. Please click on the "SEARCH" button to check the status of your claim. Alternatively, you can track your claims using either the WRN Number or the Claim Reference Number

A.

To download your ICICI Lombard Health Insurance card:

  1. Please visit the official ICICI Lombard website and locate the option to log into your customer account. Once you have found the login page, enter your credentials to access your account
  2. You can find the option for health insurance by navigating to the Health Insurance section in the menu
  3. Check the health insurance provider's website or mobile app for the option to download your health insurance card. You should be able to find it in a downloadable format, often as a PDF file.

A.

For reimbursement claims, follow these steps:

  1. Notify ICICI Lombard about the claim by contacting their customer service or using their online portal
  2. Ensure you gather all the essential documents needed, including medical bills, discharge summaries, and claim forms
  3. To submit your documents, you can either upload them on the ICICI Lombard online claim portal or send them via email to the designated address
  4. You can easily keep track of your reimbursement claim by using the claim tracking feature available on the website. This allows you to monitor the status of your claim and stay updated on its progress. Simply log in to your account and access the claim tracking section to view the current status of your reimbursement claim

A.

To make an online payment for your ICICI Lombard Health Insurance:

  1. Go to the ICICI Lombard Website and go to the payment section
  2. Please select the health insurance policy that best suits your needs
  3. Please provide the necessary information including your policy number and the payment amount to complete the payment process
  4. Please select your preferred payment method from the following options: credit card, debit card, or net banking
  5. Follow the instructions provided to complete your payment process

A.

Using your ICICI Lombard Health Insurance involves:

  1. Make sure to thoroughly read through your policy to understand which treatments and services are covered, as well as any specific exclusions
  2. Make sure to inquire about the hospital's affiliation with the ICICI Lombard network for cashless services before seeking treatment to avoid any inconvenience
  3. For a cashless claim, it is essential to notify the hospital about your insurance coverage upon admission. If you need to be reimbursed, please refer to the steps mentioned above

A.

Choosing the right ICICI Lombard Health Insurance policy depends on individual needs. It is important to consider factors such as:

  1. Comprehensive Coverage: When searching for medical insurance policies, prioritize those that offer extensive coverage for a variety of medical treatments. It is also beneficial to select policies that provide higher sum insured options, allowing for greater financial protection
     
  2. Network Hospitals: Find out the total number of network hospitals available for cashless treatment.
     
  3. Customer Reviews: Assess the insurer's reliability by reading customer reviews and checking claim settlement ratios.
     
  4. Additional Benefits: In addition to the core benefits, certain insurance policies may also provide additional perks such as wellness programs, bonuses for not filing claims, and coverage for pre-existing conditions after a waiting period
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