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ICICI Lombard Group Health Insurance Policy – Detailed Review

Oct 30, 2023

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Group Health Insurance Policy

ICICI Lombard Group Health Insurance Policy – Detailed Review
Contents

What is ICICI Lombard Group Health Insurance Policy?

ICICI Lombard General Insurance Company is a leading insurance company in India for Group Health Insurance Policy for employees.

ICICI Lombard Group Health Insurance Policy is a comprehensive Group Health Insurance Plan which provides health insurance coverage to employees and their family members for the hospitalization expenses incurred during the Policy Period.  ICICI Lombard Group Health Insurance Policy provides coverage for expenses incurred by the Insured towards Room Rent, Doctor’s Fees, Surgery, Medicines etc.

What is covered under ICICI Lombard Group Health Insurance Policy?

Coverage for Hospitalisation Expenses

ICICI Lombard Group Health Insurance Policy provides coverage for hospitalization expenses, including expenses for Room Rent, Doctor’s Fees, Nursing Charges, Pharmacy Charges, Surgery Charges, and other medical expenses incurred. ICICI Lombard Group Health Insurance Policy has a provision to provide a GMC Policy without any Room Rent Capping.

Coverage for Pre and Post-Hospitalization Expenses

In addition to Hospitalization Expenses, ICICI Lombard Group Health Insurance Policy Coverage includes cover for Pre and Post-Hospitalization Expenses incurred for the Insured Employee for a period of 30 days and 60 days respectively or 60 days and 90 days respectively.

Coverage for Pre-Existing Diseases

ICICI Lombard Group Health Insurance Policy covers Pre-Existing Diseases without any waiting period. This is a big benefit of ICICI Group Health Insurance Policy.

Maternity Benefits

ICICI Lombard Group Health Insurance Policy provides coverage for maternity expenses including pre and postnatal care, delivery expenses and new-born baby cover. The Policy reimburses maternity expenses upto Rs1 lakh if maternity coverage is opted for under the Group Mediclaim Policy. This is very helpful for female employees as well as spouses of male employees.

Coverage for Day Care Procedures

ICICI Lombard Group Health Insurance Policy covers a wide range of daycare procedures like cataract surgery and tonsillectomy that do not require hospitalization.

What are the Key Features of ICICI Lombard Group Health Insurance Plan?

ICICI Lombard Group Health Insurance Policy is comprehensive Group Health Insurance Policy providing the following coverages:

Cashless Claims Settlement

ICICI Lombard Group Health Insurance Policy offers Cashless Hospitalization facilities across a network of more than 6,500 network hospitals across India. The insured person can avail of cashless hospitalization by showing their E-Card at the network hospital. As a result, the employee does not have to pay any money out of his own pocket and the claim is directly settled by ICICI Lombard General Insurance Company with the Hospital.

You can view the list of ICICI Lombard network hospitals at this Link – ICICI Lombard List of Network Hospitals

Unlimited Teleconsultations and Wellness Programs

The Insured Employees can avail unlimited teleconsultations with General Physicians for routine health issues by calling the helpline number +91 124 4498757. ICICI Lombard also offers multiple wellness plans in its Group Mediclaim Policy.

Waiver of Waiting Periods

ICICI Lombard Group Health Insurance Policy offers waiver of Waiting Periods for Pre-Existing Diseases as well as Waiver of Waiting Period for claiming Maternity Benefit. This is a big advantage.

What are the Major Exclusions in ICICI Lombard Group Health Insurance Policy?

The major exclusions in ICICI Lombard Group Health Insurance Policy are as follows:

  • Change of gender treatments or plastic surgeries are not covered by the Policy
  • Expenses incurred for any treatment required due to injuries caused by participation as a professional in hazardous or adventure sports will not be covered by ICICI Lombard Group Health Insurance Policy
  • Expenses incurred for admission mainly for investigation or diagnostic purposes are excluded under the ICICI Lombard Group Health Insurance Policy
  • Expenses related to any admission primarily for enforced bed rest and not for receiving treatment.
  • Obesity and Weight Control Treatments are not covered by ICICI Lombard Group Health Insurance policy if such treatment does not specify the terms and conditions mentioned in the policy
  • ICICI Lombard Group Health Insurance Policy does not cover expenses for treatment for Injuries caused in wars, invasion, act of foreign enemy, etc

What are the Benefits of ICICI Lombard General Group Health Insurance Policy

  1. Affordable: ICICI Lombard Group Health Insurance Policy is affordable and the premiums are lesser than Individual Health Insurance Policies.
  2. Comprehensive Coverage: ICICI Lombard Group Health Insurance Policy provides comprehensive coverage for hospitalization expenses, including pre and post-hospitalization expenses, ambulance charges, and maternity benefits.
  3. Cashless Hospitalization: The policy offers cashless hospitalisation facilities across a network of more than 6,500 hospitals across India. This means that the Insured Employee can avail cashless treatment across all major hospitals in India and does not have to worry about arranging cash for hospitalization expenses.

What is the Claim Process for ICICI Lombard Group Health Insurance Policy?

There are 2 ways to make a claim under ICICI Lombard Health Insurance Policy: Reimbursement Claim and Cashless Claim. The claims process is as listed below:

ICICI Lombard Group Health Insurance Reimbursement Claims Process

  1. Intimate the Claim to the ICICI Lombard General Insurance Company by emailing at ihealthcare@icicilombard.com or by mailing at support@qian.co.in
  2. Submit following documents to the Insurance Company
    1. Duly filled and Signed Claim Form
    2. Photo ID and Address Proof of the Insured Person
    3. Hospital Bills and Pharmacy Bills
    4. All Diagnostic Laboratory Reports
    5. Discharge Card
  3. On receipt of the relevant documents, the Group Health Insurance Company will examine the details and then approve or reject the claim.

ICICI Lombard Group Health Insurance Cashless Claims Process

In the case of Cashless Claims Settlement, ICICI Lombard Insurance Company issues a Health E-Card to all the Insured Employees. The employee just needs to show the E-Card at any of the Network Hospitals of ICICI Lombard General Insurance Company and they will be able to avail cashless claim settlement. Thus, the employee won’t have to bear any of hospitalization expenses as the Group Health Insurance Company will directly settle the claim with the hospital.

What is the Eligibility Criteria for ICICI Lombard Group Health Insurance Policy?

ICICI Lombard General Insurance Company requires a minimum of 10 employees or 25 lives for its Group Health Insurance Policy. Usually, employers purchase ICICI Lombard Group Health Insurance Policy for Employees. However, other non-employee groups like customers of a bank, members of a club or a professional association can also purchase the Group Health Insurance Policy.

How to purchase ICICI Lombard Group Health Insurance Policy for Employees?

Qian is a licensed Group Health Insurance Broker and can assist you to purchase a Comprehensive Group Health Insurance Policy for Employees. Employers need to follow the below mentioned steps to purchase a ICICI Lombard Group Health Insurance Policy for employees:

Contact Qian: If you wish to purchase a ICICI Lombard Group Health Insurance Policy for Employees, contact the Group Health Insurance Team at Qian by mailing them at support@qian.co.in. Provide them with employee data such as employee name, age and gender.

Finalise Coverage and Quote: The second step is to finalize Group Health Insurance Coverage based on the budget and requirements. The team at Qian will provide you quotes from multiple Group Health Insurance Companies in India so that you can compare Group Health Insurance Plans amongst various insurance providers.

Onboard Employees: After purchasing ICICI Lombard Group Health Insurance Policy, the team at Qian will assist you with the onboarding process for employees, share E-Cards and also assist you with the entire Claims Process in Group Health Insurance Policy.

Is Medical Check-up Required Before Buying ICICI Lombard General Group Health Insurance Policy?

ICICI Lombard Group Health Insurance Policy does not require pre-medical check-up for any of the Insured Employees. This is a big advantage of ICICI Lombard Group Health Insurance Policy.

Download ICICI Group Health Insurance Policy Wordings

ICICI Group Health Insurance Policy Wordings can be downloaded at the following link:

ICICI Group Health Insurance Policy Wordings.pdf

Download ICICI Group Health Insurance Policy Claim Form

ICICI Group Health Insurance Policy Claim Form can be downloaded at the following link:

ICICI Group Health Insurance Claim Form.pdf

Buy ICICI Lombard Group Health Insurance Policy with Qian!

Today, purchasing a Group Health Insurance Policy is not an option but a necessity. ICICI Lombard Group Health Insurance Policy offers comprehensive coverage at very reasonable premiums.

At Qian, we can customize the features of Group Health Insurance Policy as per the needs and the budgets of the employer and also assist in providing a hassle-free claim settlement process.

If you wish to purchase a Group Mediclaim Policy for employees, you can email us at 📧 support@qian.co.in or call us on 📞 022-35134695. We would be glad to assist you.

  1. Group Health Insurance Policy for Employees
  2. What is Group Health insurance?
  3. What is an Employee Group Health Insurance Policy?
  4. What does a Group Health Insurance Policy cover?
  5. What is not covered under a Group Health Insurance Policy?
  6. How is a Group Health Insurance Policy different than an Individual Health Insurance Plan?
  7. What are the Key Features of a Group Health Insurance Policy?
  8. What are the add-on covers available under a Group Health Insurance Policy?
  9. What is the impact of Room Rent Limit on the claim amount payable under the Group Health Insurance Policy?
  10. Should employers opt for a Pre-Existing Disease Coverage from Day 1 in Group Medical Insurance Policy for employees?
  11. Does a Group Medical Insurance Policy provide Maternity Benefits?
  12. What are Waiting Periods under a Group Health Insurance Policy?
  13. What are the benefits of Group Health Insurance Policy for Employers?
  14. What are the benefits of Group Health Insurance Policy for Employees?
  15. Why should you purchase an Employee Group Health Insurance Policy for your organisation?
  16. How many employees do you need to purchase a Group Health Insurance Policy?
  17. Who is eligible for Group Health Insurance for Employees?
  18. Are Employer Group Health Insurance premiums Tax-Deductible?
  19. How much does a Group Health Insurance Policy Cost?
  20. Which are the leading Group Health Insurance Companies in India?
  21. How to purchase a Group Health Insurance Policy?
  22. What are the Documents required to make a claim under a Corporate Health Insurance Policy?
  23. Why should I Purchase a Group Health Insurance Policy through an Insurance Broker?
  24. Compare Plans from 20+ Group Health Insurance Companies and choose the Best Group Health Insurance Policy in India with Qian!
  25. FAQS
  26. Testimonials

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