ICICI Lombard Health Insurance – Features, Plans, Claims Process, Buy, Renew Policy, Quotes

ICICI Lombard Health Insurance

ICICI Lombard General Insurance Company is India’s leading Health Insurance Company offering a range of Health Insurance Plans and a vast hospital network. ICICI Lombard offers a wide range of Health Insurance Plans with Sum Insureds ranging from Rs3 lakhs to Rs3 Crores, various features such as No Claim Bonus, Restoration Benefits, Health Checkups etc. making them suitable for most people. ICICI Lombard has a strong network of more than 10000+ network hospitals enabling Policyholders to avail cashless claim settlement and a robust claims track record over the last 25 years, making the company a wise choice for Health Insurance. ICICI Lombard Health Insurance had an Incurred Claim Ratio of 82.57% as of March 2024 according to IRDAI Handbook of Insurance Statistics 2023-24

What are the Key Features of ICICI Lombard Health Insurance Plans?

The Key Features of ICICI Lombard Health Insurance Plans are as follows:

1. Comprehensive Coverage: ICICI Lombard Health Insurance Plans provide comprehensive coverage for Hospitalisation Expenses, Pre- and Post-Hospitalisation Expenses, Daycare Procedures, organ donor expenses, AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, Homeopathy) etc. Policy also provides coverage for Pre and Post-Hospitalisation Expenses, Daycare Procedures etc
2. Maternity & Newborn: Some Plans offers coverage for Maternity Expenses and Newborn Baby Coverage, subject to waiting period.
3. Cashless Hospitalization: ICICI Lombard has a network of 10,000+ hospitals across India which facilitate cashless claim settlement for policyholders.
4. Reset Benefits: Some ICICI Lombard Health Insurance Plans offer Unlimited Reset Benefits which automatically restores your Sum Insured to the Base Sum Insured after the first Claim.
5. Lifetime renewability: All ICICI Lombard Health Insurance Plans offer lifetime renewal ensuring access to healthcare for life.

How to Buy ICICI Lombard Health Insurance Policy?

The steps to buy a ICICI Lombard Health Insurance Policy with Qian are as follows:

1. Go to Qian Insurance Broking website <www.qian.co.in> and click on the Health Insurance icon
2. Fill the ‘Get a Free Quote Form’ by submitting your Name, Email ID and Mobile Number
3. An Expert Health Insurance Executive would reach out to you within 15 mins and take the relevant details like the People to be Insured and their Date of Births, Details of Pre-Existing Diseases, Sum Insured and Policy Features required and Premium Budget.
4. The executive will suggest multiple plans from ICICI Lombard based on your requirements and budget.
5. Finalise the Plan and submit necessary documents such as ID proof, Address Proof etc.
6. Pay the premium using net banking, UPI, credit/debit card or wallet.
7. The policy will be emailed to your registered email ID.

How to Renew ICICI Lombard Health Insurance Policy?

The Process to renew ICICI Lombard Health Insurance Policy with Qian is as follows:

1. Contact Qian Insurance Broking or visit the nearest branch office of the Company.
2. Provide relevant details along with the details of the Policy
3. The Qian Insurance Team will assist you with renewal quotes and to submit relevant documents.
4. Pay the premium via cash, cheque or demand draft.
5. The Policy will be mailed to your address within 2 days

What are different Health Insurance Plans of ICICI Lombard General Insurance Company?

ICICI Lombard Health AdvantEdge Apex Plus Plan

ICICI Lombard’s Health AdvantEdge is a comprehensive Health Insurance Plan providing coverage for Hospitalization Expenses, Daycare Procedures, Pre and Post-Hospitalization Expenses, Preventive and wellness benefits etc. The Policy has an option choose between an Individual or Family Floater Health Insurance Policy option and provides various Sum Insured Options ranging from Rs5 lakhs to Rs3 crores. This policy offers comprehensive hospitalization coverage, coverage for Pre- and Post-Hospitalization expenses, Day Care Treatments etc.

Key Features of ICICI Lombard Health AdvantEdge Apex Plus Plan

1. ICICI Health AdvantEdge Policy provides cover for Hospitalization Expenses including Room Charges, Surgeon Fees, Medicines, etc. Pre and Post-Hospitalisation Expenses are also covered for 60 days - 180 days respectively
2. The Policy offers various Sum Insured Options available up from Rs5 Lakhs to Rs3 Crores
3. Minimum Entry age of 18 Years.
4. Day Care Procedures and Organ Donor Expenses are also covered.
5. No Room Rent Capping and No Co-Payment
6. Loyalty Bonus: The Policy offers a Loyalty Bonus of 20% per year subject to a maximum of 100% of the Base Sum Insured for every claim-free year. The Sum Insured does not reduce even in case of a Claim
7. Bariatric Surgery: Policy provides coverage for Bariatric Surgery upto the Sum Insured.
8. Maternity Coverage: The Policy offers coverage for Maternity Expenses as an Add-On Cover upto 10% of Base Sum Insured subject to a maximum of Rs1 lakh on payment of additional premium
9. Global Coverage: Policy provides Worldwide Cover for Sum Insured of Rs25 Lakhs and above for hospitalisation expenses including planned hospitalisation incurred outside India and anywhere across the world including USA and Canada. The Worldwide Cover has a Co-Payment Clause of 10%.
10. Waiting Period of 24 months for Pre-Existing Diseases
11. Waiting Period of 24 months for Specific Diseases
12. Waiting Period of 24 months for Maternity Coverage
13. Waiting Period of 24 months for Worldwide Coverage
14. Waiting Period of 24 months for Bariatric Coverage
15. Waiting Period of 90 Days for Diabetes, Hypertension or Cardiac Conditions unless they are Pre-Existing Diseases
16. Lifelong renewability of the Policy is allowed with no age restriction.

ICICI Lombard Health Elevate Insurance Plan

ICICI Lombard Elevate Plan provides comprehensive Health Insurance coverage for Hospitalization Expenses, Day Care Treatments, Pre and Post Hospitalization Expenses and AYUSH treatments. The Policy offers various Sum Insured Options ranging from Rs5 lakhs upto Unlimited Sum Insured.

Key Features of ICICI Lombard Elevate Health Insurance Plan

1. Policy provides coverage for Hospitalisation Expenses, Daycare Procedures and Pre and Post-Hospitalisation Expenses for 90 days and 180 Days respectively, Modern Treatment Methods, Daycare Procedures and AYUSH Treatment.
2. Loyalty Bonus: Policy provides a Loyalty Bonus of 20% of the Policy Sum Insured upto a maximum of 100% of the Annual Sum Insured at the end of each Policy Year irrespective of a claim being initiated in the Policy Year.
3. Restoration Benefit: Restoration Benefit provided unlimited times for Related and Unrelated Illnesses during the Policy Year. The Restoration Benefit can be triggered on partial or complete exhaustion of Sum Insured after the first claim during the Policy Year.
4. Policy provides coverage for Domiciliary Hospitalisation, Home Care Treatment and Organ Donor Expenses.
5. The Policy provides various covers such as Surrogacy Cover, Oocyte Donor Cover etcupto a maximum of Rs5 Lakhs
6. Bariatric Surgery: Policy provides coverage for Bariatric Surgery upto the Sum Insured after a Waiting Period of 24 months.
7. ICICI Lombard Elevate Plan provides various Add-On Covers such as Power Booster (Super Loyalty Bonus), Infinite Care, Jumpstart Benefit, Worldwide Cover, Maternity Cover, Claim Protector Cover, Inflation Protector Cover, Critical Illness Cover, Personal Accident Cover etc. which enhance Policy Coverage.
8. Add-On Covers: Policyholders can opt for various add-on covers to enhance Policy Coverage by paying additional Premium
   • Infinite Care: The Policy provides an Infinite Care Add-On cover where the medical expenses of Policyholder are covered without any limit on Sum Insured for any one claim during the lifetime of the Policy
   • Power Booster: The Policy provides a Power Booster Add-On cover where the Policy provides a Loyalty Bonus of 100% of Base Sum Insured at the end of each Policy Year irrespective of a claim being lodged in a Policy Year.
   • Jumpstart Cover: The Policy provides a Jumpstart Cover where the Waiting Period for Pre-Existing Diseases like Ashthma, Diabetes, Hypertension, High Cholestrol Obesity or Coronary Artery Disease is reduced to just 30 days and the coverage for these Pre-Existing Conditions starts from 31st Day.
   • Maternity Coverage: ICICI Lombard Elevate Plan provides Maternity Coverage as an Add-On Cover where the medical expenses for the delivery of a baby and/or expenses related to lawful termination of pregnancy in life threatening situation are covered up to 10% of the Annual Sum Insured upto a maximum limit of Rs1 Lakh. This cover is applicable only for Family Floater Policies and has a Waiting Period of 24 months. The Policy also provides an Add-On cover to reduce the Waiting Period for Maternity Expenses to 1 year.
   • Worldwide Cover: The Policy provides a Worldwide Cover on Cashless Basis for Hospitalisation Expenses incurred outside India and anywhere across the World including USA and Canada upto a maximum Sum Insured of Rs3 Crores. This cover has a Waiting Period of 24 months.
9. Waiting Period of 30 Days for Surrogacy Cover
10. Waiting Period of 90 Days for Critical Illness
11. Waiting Period of 24 months for Bariatric Surgery Cover
12. Waiting Period of 24 months for Worldwide Cover
13. Waiting Period of 24 months for Maternity Benefit Cover
14. Waiting Period of 36 months for Pre-Existing Diseases
15. Waiting Period of 24 months for Specific Diseases
16. Lifelong Renewal

ICICI Lombard Max Protect Health Insurance Plan – Premium Plan

ICICI Lombard MaxProtect is a comprehensive Health Insurance Plan providing coverage Hospitalization Expenses, Pre- and Post-Hospitalization Expenses, Daycare Procedures and Worldwide Medical Treatments. The Policy has a minimum entry age of 21 years and maximum entry age of 65 years.

Key Features of ICICI Lombard Max Protect Health Insurance Plan – Premium Plan ICICI Lombard Max Protect Health Insurance Plan offers Sum Insured Options ranging from Rs1 Crore to Unlimited Sum Insured.

1. ICICI Max Protect Health Insurance Policy provides cover for Hospitalization Expenses, Pre and Post-Hospitalisation Expenses coverage for 60 days - 180 days respectively, Daycare Procedures and Modern Treatment Methods upto a maximum Sum Insured of Rs1 Crore.
2. Loyalty Bonus: Policy provides a Loyalty Bonus of 20% of the Policy Sum Insured upto a maximum of 100% of the Annual Sum Insured at the end of each Policy Year irrespective of a claim being initiated in the Policy Year.
3. Reset Benefit: Reset Benefit provided unlimited times for Related and Unrelated Illnesses during the Policy Year. For Related Illnesses, hospitalisation should be 45 days after the date of discharge of the earlier claim. The Reset Benefit can be triggered on partial or complete exhaustion of Sum Insured after the first claim during the Policy Year.
4. Worldwide Cover: Policy provides Worldwide Cover for Sum Insured upto Rs3 Crores for hospitalisation expenses including planned hospitalisation incurred outside India and anywhere across the world including USA and Canada. The Worldwide Cover has a Waiting Period of 24 month. Pre- and Post-Hospitalisation Expenses are not covered under Worldwide Cover
5. Bariatric Surgery Cover: Policy provides coverage for Bariatric Surgery upto the Sum Insured after a Waiting Period of 36 months
6. Waiting Period of 36 months for Pre-Existing Diseases with an option to reduce Waiting Period for Pre-Existing Diseases to 24 months
7. Waiting Period of 24 months for Specific Diseases
8. Waiting Period of 24 months for Worldwide Cover
9. Waiting Period of 36 months for Bariatric Surgery Cover
10. Lifetime Renewal

ICICI Lombard Activate Booster Super Top-Up Health Insurance Plan

ICICI Lombard Activate Booster is a Super Top-Up Health Insurance Policy which provides additional coverage over and above a basic Health Insurance Plan at reasonable premiums. The Policy offers high Sum Insured and also a Waiver of Deductible feature which allows you to convert your Super Top- Up Policy to a Base Policy if the Entry Age is less than 50 years. The Plan is offered in 2 Variants: Plan A and Plan B.

Key Features of ICICI Lombard Activate Booster Super Top-Up Health Insurance Plan

1. ICICI Lombard Activate Booster Plan offers various Sum Insured options ranging from Rs10 lakhs to Rs3 Crores with Deductible options ranging from Rs3 lakhs to Rs20 lakhs. Deductible is the threshold limit above which the Super Top-Up policy pays out the Claim.
2. The Policy covers hospitalisation expenses, Pre- and Post-Hospitalisation Expenses Coverage for 90 days and 180 Days, Domiciliary Hospitalization Expenses, Organ Donor Expenses, Domiciliary Hospitalisation Expense, Bariatric Surgery etc.
3. Jumpstart Cover: The Policy provides a Jumpstart Add-On Cover where the Waiting Period for Pre-Existing Diseases like Ashthma, Diabetes, Hypertension, Hyperlipidemia, Obesity or Coronary Artery Disease is reduced to just 30 days and the coverage for these Pre-Existing Conditions starts from 31st Day.
4. BeFit Cover: The Policy provides a BeFit Add-On Cover where the Policy pays for OPD Expenses, Pharmacy Expenses, Physiotherapy and Diagnostic Expenses on a Cashless Basis through ICICI Lombard Mobile App.
5. Claim Protector: Claim Protector Add-On Cover pays for non-payable items like Gloves, Syringes, Masks upto the Policy Sum Insured
6. Inflation Protector Cover: The Inflation Protector Cover increases the Policy Sum Insured at the time of renewal at a rate of inflation in the previous year.
7. Waiting Period of 90 days for Diabetes, Hypertension and Cardiac Conditions unless they are Pre-Existing Conditions.
8. Waiting Period of 36 months for Pre-Existing Diseases. The Policy has an option to reduce the Waiting Period for Pre-Existing Diseases to 24 months/12 months on payment of additional Premium.
9. Waiting Period of 24 months for Specific Diseases. The Policy has an option to reduce the Waiting Period for Specific Diseases to 12 months on payment of additional Premium.
10. Waiting Period of 24 months for Bariatric Surgery
11. Lifetime Renewal

ICICI Lombard Health Booster Super Top-Up Health Insurance Plan

ICICI Lombard Health Booster is a Super Top-Up Health Insurance Policy which provides additional coverage over and above a basic Health Insurance Plan at reasonable premiums. The minimum entry age for ICICI Lombard Health Booster Super Top-Up Health Insurance Policy is 6 years and there is no Restriction on maximum entry age. Children between 3 months to 5 years can be covered under a Floater Plan.

Key Features of ICICI Lombard Health Booster Super Top-Up Health Insurance Plan

1. ICICI Lombard Health Booster Plan offers various Sum Insured options ranging from Rs 5 lakhs to Rs 50 lakhs with flexible Deductible options of Rs 3 lakhs, Rs 4 lakhs and Rs 5 lakhs. Deductible is the threshold limit above which the Super Top-Up policy pays out the Claim.
2. The Policy covers hospitalisation expenses without any sublimits. Pre- and Post-Hospitalisation Expenses Coverage for 60 days and 90 Days. The Policy also provides coverage for Domiciliary Hospitalization Expenses, Donor Expenses etc.
3. Loyalty Bonus: Policy provides a Loyalty Bonus of 10% of the Policy Sum Insured upto a maximum of 50% of the Annual Sum Insured at the end of each Policy Year irrespective of a claim being initiated in the Policy Year.
4. Reset Benefit: Reset Benefit provided once for Unrelated Illnesses during the Policy Year for Policy with a Deductible of Rs3 lakh and above. The Reset Benefit can be triggered on partial or complete exhaustion of Sum Insured after the first claim during the Policy Year.
5. Waiting Period of 24 months for Pre-Existing Diseases
6. Waiting Period of 24 months for Specific Diseases
7. Lifelong Renewal and Affordable Premiums

ICICI Lombard Golden Shield Senior Citizen Health Insurance Policy

ICICI Lombard Golden Shield Health Insurance Policy is a Senior Citizen Health Insurance Policy suitable for senior citizens aged 56 years and above. The Policy provides coverage for Hospitalization Expenses due to illness or injury, Day Care Procedures, Pre and Post-Hospitalization Expenses, Ambulance Charges etc. The Golden Shield Policy has a minimum entry age of 56 years.

Key Features of ICICI Lombard Golden Shield Senior Citizen Health Insurance Policy

1. The Plan offers various Sum insured Options ranging from Rs5 Lakhs - Rs 50 lakhs
2. The Policy provides coverage for Hospitalisation Expenses, Pre and Post-Hospitalisation Expenses for 60 days and 180 Days respectively, Modern Treatment Methods, Daycare Procedures etc.
3. ICICI Lombard Golden Shield Plan has a Room Rent Restriction of Twin Sharing Room for Sum Insured of upto Rs10 lakh and a Single Private AC Room for Sum Insured above Rs10 lakhs
4. Co-Payment: Policy has a 50% Co-Payment Clause on admissible Claim Amount on each and every Claim. The Insured has an option to reduce the Co-Payment to 40%/30%/20% by paying additional Premium.
5. Reset Benefit: Reset Benefit provided unlimited times for Unrelated Illnesses during the Policy Year while for Related Illness, the Reset Benefit is provided once during the Policy Year. The Restoration Benefit can be triggered on partial or complete exhaustion of Sum Insured after the first claim during the Policy Year.
6. Cumulative Bonus: 10% Guaranteed Cumulative Bonus on Base Sum Insured upto a maximum of 100% for every Claim-Free Year.
7. Policy has various Sub-Limits for Cataracts, Cerebrovascular and cardiovascular disorders, Cancer Treatments, Renal complications and disorders, Joint replacements and Robotic Surgery depending on the Sum Insured chosen
8. Waiting Period of 24 months for Pre-Existing Diseases
9. Waiting Period of 24 months for Specific Diseases
10. Lifelong Renewal

ICICI Lombard Arogya Sanjeevani Policy

ICICI Lombard Arogya Sanjeevani Policy is a standard Health Insurance policy which provides coverage for Hospitalisation Expenses, Day Care Procedures, Pre and Post-Hospitalisation Expenses and AYUSH treatment at affordable premiums. The Policy has a minimum entry age of 18 years and maximum entry age of 65 years.

Key Features of ICICI Lombard Arogya Sanjeevani Health Insurance Policy

1. Various Sum Insured Options available Rs50,000 to Rs10 Lakhs
2. ICICI Lombard Arogya Sanjeevani Policy provides cover for Hospitalisation Expenses, Pre- and Post-Hospitalisation Expenses, Daycare Procedures, Modern Treatment Methods etc.
3. Cumulative Bonus of 5% per year for every claim-free year, provided that the policy is renewed without a break every year, subject to a maximum of 50% of Sum Insured.
4. Room Rent Limit of 2% of Sum Insured subject to a maximum of Rs5000 per day for Normal Rooms and 5% of Sum Insured subject to a maximum of Rs10,000 per day for ICU Rooms
5. ICICI Lombard Arogya Sanjeevani Policy offers coverage for Modern Treatment Methods such as Balloon Sinuplasty, Deep Brain stimulation, Oral chemotherapy etc. upto a maximum of 50% of Policy Sum Insured.
6. The Policy provides coverage for Cataract Treatment upto 25% of Policy Sum Insured or a maximum of Rs40,000 per eye, whichever is lower, in one Policy Year
7. Co-Payment of 5% on each and every claim
8. Waiting Period of 36 months for Pre-Existing Diseases
9. Waiting Period of 24 months for Specific Diseases
10. Lifelong Renewal

What is the Claim Settlement Process with ICICI Lombard Health Insurance?

There are 2 ways to avail Claim Settlement with ICICI Lombard Health Insurance:

1. Cashless Claim Settlement
2. Reimbursement Claim Settlement

ICICI Lombard Health Insurance Claim Settlement Process – Cashless Claim Settlement

In order to avail Cashless Claim Settlement under the ICICI Lombard Health Insurance Policy, the Policyholder must follow the steps listed below:

1. Locate the nearest network hospital covered by the ICICI Lombard Health Insurance Policy to avail treatment
2. Inform ICICI Lombard about the hospitalization 3-4 days before in case of a planned hospitalization and within 4-5 hours in case of an emergency
3. Show the Health Card issued by the Insurance Company to the insurance desk at the hospital
4. Fill the Pre-Authorization Claim Form provided by the hospital
5. The Hospital sends the Pre-Authorization Claim Form to ICICI Lombard for Claim Settlement
6. The Insurance Company will inspect the details and inform the Insured about the approval or rejection of the Claim
7. Once the Claim gets approved, the hospital sends the expenses and receipts to the Insurer and the hospital gets reimbursed for the treatment expenses directly by ICICI Lombard General Insurance Company. The advantage of cashless claim settlement is that the Policyholder does not need pay any amount from his own pocket.

ICICI Lombard Health Insurance Claim Settlement Process – Reimbursement Claim Settlement

If the Policyholder chooses a non-network hospital, he will have to opt for Reimbursement Claim Settlement. The Reimbursement Claim Settlement is listed below:

1. Inform ICICI Lombard within 24 hours of admission to the hospital. The Company will provide the Policyholder with a Claim Intimation Number after the claim is raised so that the Claim Status can be tracked.
2. Make the payment to the hospital for the medical expenses incurred and keep original copies of all the Invoices.
3. Submit the required documents to ICICI Lombard General Insurance Company
4. The Insurance Company will verify the Claim Details, ask for additional documents if required and will approve or reject the Claim.
5. The approved Claim Amount gets credited directly to the Bank Account of the Insured

What are the documents Required for a Reimbursement Claim under a Health Insurance Policy?

The Insured needs to submit the following documents to ICICI Lombard to avail Reimbursement Claim Settlement under the Policy:

1. ID Proof, Policy Health Card and Address Proof
2. Duly Filled and Signed Claim Form
3. Pathology Reports
4. Medicine Prescriptions and Pharmacy Bills
5. Pre and Post-Hospitalisation Bills
6. Hospital Bills
7. Discharge Summary

Get Best Quotes for ICICI Lombard Health Insurance Policies with Qian!

ICICI Lombard has a reputation for fast claim settlement, a large hospital network, and customizable benefits make their Health Insurance Plans a wise choice. Qian is a licensed Insurance Broker with ICICI Lombard General Insurance Company. We can assist you with all Health Insurance Policies as well as Claim Settlement with ICICI Lombard. Get a Quote for ICICI Lombard’s Health Insurance Policy from Qian. You can reach out to us via email at insurance@qian.co.in or call us on 022-35134695. We would be glad to assist you