Health Insurance
ICICI Lombard
ICICI Lombard is a joint venture between India's ICICI Bank and Canada's Fairfax Holdings. It's one of the largest general insurance companies in India with products across motor, travel, home, and health, property insurances. It offers health insurance with sum insured of upto 50 lacs.
ICICI Lombard Health insurance plans
Golden Shield
The ICICI Lombard Golden Shield plan is a health insurance policy specifically designed for senior citizens aged 56 years and above. It provides coverage for pre- and post-hospitalization expenses of 60 and 180 days, respectively, daycare treatments up to SI, domiciliary hospitalization up to SI, and ambulance charges (including air ambulance). The plan offers a high sum insured range of ₹5 lakhs to ₹50 lakhs and includes features like annual health check-ups, cashless treatment at network hospitals, and a benefit reset option that restores 100% of the sum insured once during the policy term, in addition to the loyalty bonus of 10% up to 100% even if the claims are made.
Health Elite Plus
ICICI Lombard's Health Elite Plus is a comprehensive health insurance plan with coverage of up to ₹3 crore. It features unlimited reset of sum insured, worldwide coverage (for higher sum insured), air ambulance cover, and AYUSH treatment. The policy includes flexible add-ons like BeFit and Sum Insured Protector, making it ideal for individuals and families seeking extensive healthcare protection with customizable options.
Health AdvantEdge
ICICI LOMBARD Health Advantage is a plan built for people looking to cover outpatient consultations and expenses. It covers a bunch of OPD treatments, includes a critical illness rider and extends some protection for maternity expenses. If you’re looking for a plan that offers coverage for outpatient consultations, this could be a decent choice. However, ICICI Lombard’s claim settlement ratio is less than desirable and this is something you should keep in mind.
Max Protect Premium
The ICICI Lombard Max Protect Premium plan is a high-end health insurance offering designed to provide comprehensive coverage with international treatment options. It offers sum insured options from ₹1 crore to unlimited cover amount, and includes features like unlimited restoration of the sum insured, a loyalty bonus of 20% annually up to 100%, and coverage for advanced treatments such as robotic surgeries and stem cell therapy (up to SI or ₹1 crore, whichever is less). The plan also offers global coverage (up to ₹3 crore or the base cover amount, whichever is less), air ambulance services, and a claim protector feature, which provides coverage up to the cover amount for consumables and non-payable items, enhancing its appeal for those requiring international healthcare access.
Health Shield 360
ICICI Lombard's Health Shield 360 plan is a comprehensive group health insurance designed for bank account holders and other subsidiary customers. It offers extensive coverage for inpatient and outpatient hospitalization, pre- and post-hospitalization expenses, daycare procedures, and maternity benefits. The plan includes a short waiting period of just 30 days for pre-existing conditions, making it attractive for those seeking immediate coverage. Additionally, it provides worldwide coverage and features like unlimited reset benefits and cashless hospitalization at over 10,200 network centers.
Elevate
The ICICI Lombard Elevate plan is a cutting-edge health insurance policy designed to provide extensive coverage with unparalleled customization options. It offers sum insured options ranging from ₹5 lakhs to unlimited coverage, making it suitable for individuals and families with diverse healthcare needs. Key benefits include the Infinite Care, Jumpstart, and the Claim Protector add-ons. The plan also includes a surrogate & oocyte donor expenses up to 5L, wellness benefits which can provide up to 30% discount on renewal premium, bariatric surgery cover up to SI.
Max Protect Classic
The ICICI Lombard Max Protect Classic plan is a comprehensive health insurance offering designed to provide robust financial protection against medical expenses. It includes features such as unlimited restoration of the sum insured, loyalty bonuses that increase coverage by 20% annually (up to 100% of the base sum insured irrespective of the claims made), and coverage for advanced treatments (Maximum up to ₹ 1 crore), donor expenses, and domiciliary hospitalization up to SI. The plan offers sum insured options ranging from ₹1 crore to an unlimited amount, making it suitable for individuals and families seeking high-value protection.
iHealth Plus
The ICICI Lombard iHealth Plus plan is a comprehensive health insurance policy designed to offer enhanced protection with sum insured options ranging from ₹2 lakh to ₹10 lakh. It includes maternity benefits (with a 3-year waiting period) [maximum up to: Normal Delivery of ` 25,000/ Caesarian delivery of ` 50,000/ Pre-Post Natal ` 2,000 each depending on the SI opted for], outpatient consultation coverage up to a specified limit, cumulative bonuses [10% increase up to 50%] for claim-free years and no co-payment clause. The plan allows policyholders to choose any room type without restrictions and offers full restoration of the sum insured [once in a policy year for unrelated illness] after a claim, making it suitable for those seeking extensive and flexible health coverage.
Health Booster Super Top-up
The ICICI Lombard Health Booster Super Top-up plan is designed to provide an additional layer of health coverage beyond your existing base policy, with sum insured options up to ₹50 lakhs. It operates on a deductible model, covering cumulative medical expenses exceeding the deductible within a policy year. The plan offers flexibility in sum insured and deductibles, no room rent restrictions, and includes benefits like restoration of sum insured [ once in a policy year for unrelated illness], wellness programs, and coverage for AYUSH and domiciliary treatments.
iHealth
The ICICI Lombard iHealth plan is a versatile health insurance policy offering coverage with sum insured options starting from ₹2 lakh up to ₹50 lakh. It includes benefits such as pre-existing disease coverage after two years [4 years for SI 2L], daycare procedures, AYUSH, pre-post hospitalization cover [30-60 days respectively], ambulance charges [1,500 per event of emergency hospitalisation], and cumulative bonuses [10% increase up to 50%] for claim-free years. The plan allows policyholders to customize coverage with add-ons like hospital daily cash and critical illness benefits, making it suitable for individuals seeking flexible and reasonably priced health protection.
Health Shield 360 Retail
ICICI Lombard’s Health Shield 360 offers coverage of up to ₹3 crore. The policy also offers wellness programs with rewards for maintaining a healthy lifestyle, no room rent limits, and coverage for modern treatments. With flexible add-ons and lifelong renewability, it’s a good plan for those seeking extensive and customizable healthcare protection.
ICICI Lombard Health insurance claim process
ICICI Lombard claims can be of different types based on the hospital in which you are getting the treatment. If it’s part of ICICI Lombard's network hospitals, you can get a “Cashless claim” in which insurance company directly pays the bills to the hospital. But if your choice of hospital is not part of their network, then you have to pay the bills and apply for reimbursement claim. Here’s a brief process for both types of claims:
Cashless Claims
Inform the Hospital Desk
All network hospitals have an insurance desk. You can submit your policy copy (even soft copy works), ID proof, initial diagnosis report and the insurance desk will request the insurance company for “pre-authorization”. In case of planned treatments, you need to do this process 2 days before hospitalization
Insurer’s decision
Based on the provided documents, insurance company approve the claim and the hospital will start the treatment and they will co-ordinate with insurer for the treatment costs. In case of Cashless claim rejection, you can still go ahead with the treatment. In this case, you will need to pay the bills initially and can file for a reimbursement claim later
Discharge
If your cashless claim is approved, at the time of discharge, the insurance company will do the final settlement with the hospital and once that is sorted, you are good to go.
Reimbursement Claims
Inform the insurance company
For any planned treatments, you need to inform the insurance company 2 days before hospitalisation. In case of emergency, you can inform within 24 hours of admission. Insurance company will acknowledge the intimation.
Hospitalization
You need to submit a insurance claim form along with original copies of hospital bills, doctor consultation reports, and diagonstic reports.
File the claim
Within 30 days post discharge, you can initiate the claim online or at any of the registered offices of the insurance company. You need to fill a claim form and attach all the reports and bills.
Insurer’s decision
Based on the claim form and submitted documents, insurance company will settle the claims as per policy terms and conditions.
ICICI Lombard Health Insurance Renewal
Firstly, if you’ve purchased the policy online, you’ll always receive an intimation e-mail from the insurer around 30 days before the renewal date. The e-mail will have a renewal link that will directly take you to the page where you can make the payment and check policy details. And it’s done. You’ll receive the policy document via e-mail.
However, in case you choose to do it on your own, here’s what you need to do:
Visit the website
Visit the ICICI Lombard website and then go to the Renewal section here.
Enter details
You’d be asked to provide your current policy number which you can find in the policy soft copy. You may as well be asked to enter your mobile number, email ID, Date of Birth or policy expiry date.
Review and edit the policy details
Next, you’ll be able to see details of your new policy and the renewal premium you need to pay. Also, you’ll be given the option to make some changes related to sum insured, existing covered members, etc.
Complete the payment and it’s done
Once you confirm the details, you’ll be directed to the payment gateway. Once the payment is complete, you’ll receive your new policy soft copy via e-mail.
Few things to consider when renewing your ICICI Lombard health insurance policy
- If you want to increase your Sum Insured, now is the time. You can’t do it anytime during the year.
- If you didn’t make a claim in the past year, make sure you have been given a no-claim bonus if your policy offers it.
- If you want to add members like your spouse or kids, you have the option to do so only at the time of renewal. So do give this a thought.
Customer Reviews
View All
ICICI Lombard Customer Care
Need a human touch?
Talk to us and we will navigate the complex world of insurance together. It's free and we will never spam you. Pinky Promise!!!
