ICICI Lombard Health Insurance FAQs

In ICICI Lombard cancer is covered under critical illness. The eligibility for a critical illness plan or add-on is 18 years and above and the person should be an Indian resident.

Yes, since all critical illnesses that are covered, will come under cashless treatment, including cancer-related expenses.

Yes, alternative treatments are covered under the Aarogya Sanjeevani Policy. It covers all treatments and medications of AYUSH.

Yes, all cancer treatments are covered by ICICI Lombard Insurance Critical illness plans, which include radiation, chemotherapy, etc. Certain plans cover all these treatments, however, for further details, you can connect with an InsuranceDekho advisor.

Any modern treatments are excluded in most plans. However, exclusions differ according to the plans. To know more about the plan you can ask for assistance from an InsuranceDekho advisor.

Settlement of a claim is made within 15 days by ICICI Lombard Health Insurance.

The following documents are required while filing a claim are, original investigation report, final hospital discharge summary, FIR or post-mortem report (if happened), pharmacy bills and prescriptions, cancelled cheque or NEFT details for payment, original bills, receipts, indoor case paper, and duly filled claim settlement form, treating doctor’s reports, consultation reports, nature of operation performed, surgeon’s bills and receipts and test reports along with assisted doctor’s report.

Reach out to an InsuranceDekho advisor for any problem due to claim denial or rejection. The advisor will help you resolve the problem.

Critical illnesses like strokes, cancer, paralysis, kidney failure, myocardial infarction, open chest CABG, and first heart attack are a few critical illnesses covered by ICICI Lombard Health Insurance.

Critical illness can be bought as a standalone policy and as a rider in the current policy under ICICI Lombard Insurance.

If the policyholder is willing to pay an extra premium they will be provided with this benefit by ICICI Lombard Insurance.

Yes, if the policyholder has an add-on of critical illness in their family floater-based policy their family members will be covered.

The age restriction will vary from plan to plan as different plans may cover different critical illnesses.

A customer should be at least 18 years old to purchase an insurance plan with diabetes as coverage in ICICI Lombard Insurance plans.

If you are already diagnosed with diabetes while purchasing health insurance from ICICI Lombard then it will be a pre-existing problem. However, you cannot be denied a policy if you want to have diabetes as an add-on.

There is a waiting period of 2 years for pre-existing conditions in ICICI Lombard Insurance.

Yes, insulin and other diabetes medications are covered under ICICI Lombard Insurance plans.

Every plan differs in its inclusions and exclusions. There are a few plans which cover these expenses. However, for specific plan details, you can reach out to InsuranceDekho advisors.

There can be a maximum of 2 adults and 3 children in a policy. If the number of adults or number of children is more than 2+3, you need to buy a separate policy for the additional members.

Yes, ICICI Lombard offers Complete Health Insurance, which is a complete family health product. The policy covers your entire family in a single Mediclaim policy.

Yes, ICICI Lombard provides free health check-up at its designated centers under the family floater plan.

Yes, you can. ICICI Lombard offers a lifetime renewal facility with no age limit to the policy. You can renew it and keep your family protected.

There are many benefits: no medical tests for coverage below 46 years of age and the sum insured up to 10 Lakh, an additional 10% increase in the sum insured for every claim free year (maximum 50%), 1 or 2 year policy period, cashless hospitalisation at any network hospitals, etc.

ICICI Lombard family health insurance plan is the best choice for people planning to secure the health of self as well as families under a single sum insured amount. If you are an individual looking forward to buying a policy that insures the health of yourself, your spouse, dependent parents, dependent children, as well as brothers and sisters, go for Complete Health INsurance, the cost-effective family health insurance plan by ICICI Lombard.

If you wish to change the sum insured amount for your ICICI Lombard family health insurance policy, it would be best to wait for the policy renewal period to arrive. Please note that health insurance companies allow a change in sum insured at the time of renewal and not during the policy period.

ICICI Lombard family health insurance plan has multiple advantages to provide. An ideal family plan, Complete Health Insurance has a vast coverage to offer and that too at a low premium price. Lifelong renewability, cashless hospitalization, 100% reset of the base sum insured once in a policy year, additional sum insured option, wellness program, free health check-up, no pre-policy medical checkup below 46 years of age, 15 days free look period are some of the prime advantages associated with the family plan by ICICI Lombard. A key advantage of the plan is that it covers maternity & newborn baby expenses on an optional basis.

ICICI Lombard family health insurance or Complete Health Insurance grants cover for an inpatient hospitalization, 30 days pre & 60 days post hospitalization, daycare treatment/surgeries, inpatient AYUSH treatment, domestic road emergency ambulance expenses, along with optional cover for hospital daily cash, convalescence benefit, maternity & newborn baby expenses, nursing at home, OPD cover, critical illness cover, personal accident cover and more.

Under the ICICI Lombard family health insurance policy, the policyholder can avail tax benefits according to Section 80D of the Income Tax Act and amendments made.

ICICI Lombard’s toll free number is 1800-2666.

For individual plan, minimum entry age is 6 years, whereas for floater plan it is 3 months. There is no maximum exit age.

Medical underwriting is required for any insured member who is more than 45 years of age or has sum insured more than Rs. 10 Lakh or both. The medical tests can be conducted at any designated centers identified by ICICI Lombard.

In case of death (due to an accident) of the policyholder within the policy period, ICICI Lombard provides compensation to the nominee mentioned in your policy.

Anyone between 18-80 years of age is eligible for buying individual health insurance.

No, you don’t need to go for a pre-policy medical test when purchasing the Personal Protect Policy.

Any individual looking forward to securing their health through an affordable health insurance policy should buy ICICI Lombard individual health insurance plan. Individual health insurance by ICICI Lombard is an excellent option for those who want a wide sum insured range, no room rent capping, multiple coverage benefits, superior tax benefits and more. ICICI Lombard individual health insurance plan is the best support in times of medical emergencies.

If you want to make any changes to the sum insured amount of your ICICI Lombard individual health insurance, it is advisable to wait till the time of policy renewal. Health insurers do not allow any changes during a policy tenure. However, any changes made to the sum insured amount are welcome during policy renewal.

ICICI Lombard individual health insurance plan has numerous benefits to offer. Rs. 5 Lakh up to Rs. 50 lakh sum insured cover, no room rent capping, 100% sum insured reset, critical illness cover for people more than 60 years, no medical checkup below 46 years of age, 15 days free look period, cashless hospitalization, and lifelong renewability are some of the key advantages of the plan. One of the key advantages of the plan is that it covers a wide range of relationships including siblings, grandparents, etc.

ICICI Lombard individual health insurance plan provides cover for inpatient treatment, 60 days pre & 90 days post hospitalization cover, cover for 150 day care treatment, domiciliary treatment expenses, inpatient AYUSH treatment expenses, donor expenses, domestic road emergency ambulance expenses, reset benefit, and more. The policy also provides cover for pre-existing diseases after a waiting period of 2 years.

ICICI Lombard individual health insurance policy offers tax-saving benefits on premium paid, as per Section 80D of the Income Tax Act 1961 and the amendments made to that.

Yes, to get a child covered under the ICICI Lombard plan, he/she should be between 3 months and 5 years.

No. ICICI Lombard has no such a policy which covers only kids. The insurer has a policy for children, but at least one adult must be covered under the policy. Then, kids will be covered.

Yes, if you want your kid to be covered, his/her age should be more than 6 years of age.

Yes, provided that the age of your child is more than 3 months.

Parents looking forward to securing the health of their dependent children should buy ICICI Lombard kids health insurance plan. Health Booster Policy is the perfect plan that covers kids at a minimum entry age of 6 years under an individual sum insured basis. Children aged between 3 months up to 5 years can be insured under family floater only. A policyholder can cover maximum 3 children under this policy.

If you wish to change your sum insured amount for ICICI Lombard’s kids health insurance plan, it is recommended to do so at the time of renewal. Please note that any change in sum insured during the policy tenure is not allowed by health insurance companies, including ICICI Lombard.

There are many advantages of the Health Booster Policy, ICICI Lombard’s health insurance plan for kids. Lifetime renewability, cover for pre-existing diseases, free look period of 15 days, the sum insured reset benefit, wellness cover are a few key benefits of the policy. Some of the added advantages of the policy include an additional sum insured and complementary health check-up. One of the biggest advantages of the policy is that it provides cover for a wide range of relationships, including siblings and grandparents.

Health Booster Policy or ICICI Lombard kids health insurance policy provides cover for multiple benefits that include inpatient treatment, daycare treatment, pre & post hospitalization, inpatient AYUSH treatment, donor expenses, emergency road ambulance cover, and others. Moreover, the policy comes with various optional covers like critical illness cover, hospital daily cash, convalescence benefit and more.

Yes! A policyholder is eligible for tax deductions as per Section 80D of the Income Tax Act under their ICICI Lombard kids health insurance policy.

Maternity expenses are covered after a waiting period of 6 months to 9 policy years in ICICI Lombard Insurance.

Yes, you can purchase maternity health insurance while you are pregnant. However, you will not be covered for that specific pregnancy as maternity has a different waiting period is every plan.

Prenatal check-ups, delivery, and post-natal care are covered under ICICI Lombard maternity insurance.

A newborn baby's expenses are covered by ICICI Lombard Insurance it also includes babies born with congenital disease.

Yes, normal and cesarean deliveries are covered under the maternity benefit of ICICI Lombard Insurance.

By getting your parents covered by ICICI Lombard policies, your parents can have a healthy lifestyle during their sunset years. They can enjoy free health check-up, pre and post hospitalisation, cashless treatment, day care procedures, emergency road ambulance, Ayush treatment, and much more.

Yes, ICICI Lombard provides coverage for room charges. Not only this, but the insurer also covers medical bills, doctor/surgeon’s fee, etc.

You can find the network hospital links for cashless treatment at the official website of ICICI Lombard. If any doubt, call 7551-196-989.

Individuals belonging to any age group can buy ICICI Lombard health insurance for themselves or their parents. Complete Health Insurance is the ideal parent's health insurance for a policy buyer who wants extensive cover at a minimal premium price. A plan is a good option if you want to cover for daycare treatment, inpatient AYUSH treatment, as well as opd cover, critical illness cover, cover for nursing at home, medical evacuation expenses along other basic coverage expenses.

No, you cannot change the sum insured during your ICICI Lombard parents health insurance policy tenure. To make any changes in your sum insured amount, you should wait for the policy renewal time as ICICI Lombard does not allow changes in the sum insured during the policy period.

Complete Health Insurance, ICICI Lombard’s parents health insurance plan covers inpatient treatment, pre & post hospitalization, daycare treatment/surgeries, domestic road ambulance expenses, free health checkup, and more. Under optional coverage, the plan covers hospital daily cash amount, OPD cover, critical illness cover, donor expenses, personal accident cover, medical evacuation expenses, wellness & preventive healthcare, etc.

Yes, ICICI Lombard parents health insurance policy provides tax deductions for the policy premium paid as per Section 80D of the Income Tax Act, 1961.

ICICI Lombard does not offer any specific health insurance plans for athletes or people with active lifestyles.

A discount is available for a healthy person under the wellness program offered by ICICI Lombard Insurance. However, it will differ according to the terms in the policy.

ICICI Lombard does cover alternative therapies like Ayurveda and homeopathy under AYUSH. Aarogya Sanjeevani is one of the policies covering these treatments.

A policyholder can pay their premium in installments under ICICI Lombard insurance. However, it may differ in different plans.

There are time period when you can enjoy the portability facility. You are allowed to port your existing policy only when the existing policy reaches its renewal.

There are a few things you should watch out such as making sure there is no age restriction for renewal, try to renew such policies at the maximum renewable age possible, make sure whether the exclusions in your existing policy are covered by the insurer you want to switch to.

Yes, it is necessary to notify your old insurer whether you are going to shift with the name of insurer in written. Notify at least 45 days before your policy renewal so that your policy can be renewed without a break.

Before porting your health insurance policy with ICICI Lombard, make sure you have read terms and conditions of the ICICI Lombard, especially about the services for medical history, waiting period, sum insured, age, and quality of service.

The premiums for ICICI Lombard health insurance might vary depending on the plan you opt for. Moreover, this premium can also be affected by factors like age, pre-existing conditions (if any), lifestyle, etc.

Premiums and their payment process are different in every plan. However, monthly payment is available if it's a requirement for your chosen plan.

The amount of premiums depends upon the chosen plans, age, and add-ons (if any).

Yes, you can choose a deductible to lower your premium. There are a few types of deductibles that are available under ICICI Lombard, so you can choose according to your needs.

The grace period offers you the benefit of renewing your policy after the expiration date of the policy year.

You can renew your policy 15 days before the expiry date under the ICICI Lombard health insurance.

A policyholder can switch to a different plan only at the time of renewal in ICICI Lombard health insurance.

The sum insured can be adjusted during the time of renewal according to the needs of the policyholder in ICICI Lombard insurance.

Yes, ICICI Lombard offers a Complete Health Insurance Plan, which is suitable for senior citizens. The plan offers benefits to old-aged people along with add-on* covers.

Yes, the cashless facility is available for senior citizens. However, this is available on network hospitals of ICICI Lombard.

Yes, the expenses incurred in prenatal and postnatal are covered up to the defined limit.

ICICI Lombard senior citizen health insurance plan is a must-buy for senior citizens who want to remain financially stable at the time of an unexpected medical emergency. ICICI Lombard Rishtey Health Insurance is an ideal senior citizen policy that being comprehensive in nature provides financial assistance for various medical expenses that are otherwise too heavy on the pocket.

Since health insurance companies, including ICICI Lombard, do not allow a policyholder to make any form of the sum insured amount changes during the policy period, it would be best for you to change your sum insured at the time of policy renewal.

Rishtey Health Insurance, ICICI Lombard senior citizen health insurance plan provides cover for inpatient hospitalization expenses, pre & post hospitalization, nursing care, treatment expenses related to Swine Flu/H1N1 Influenza, advanced procedures & surgeries like chemotherapy, dialysis and others, daycare expenses, hospitalization expenses for treatment injury related to terrorist activities, etc.

Yes! Under ICICI Lombard senior citizen health insurance policy Rishtey Health Insurance, you can avail tax benefits in adherence to the IT Act, 1961.

Rishtey Health Insurance is one of the best ICICI Lombard’s senior citizen health insurance policies. As far as its advantages are concerned, there are many. Benefits of Rishtey Health Insurance policy include cashless hospitalization, access to more than 5,000 network hospitals for treatment purposes, cumulative bonus, sum insured enhancement, free health check-up, and more. A unique benefit provided by the policy includes reimbursement of the applicant’s airline expenses to visit insured parents in case the latter are under hospitalization due to medical emergencies.

The maximum limit on the amount that a policyholder can claim for a tax deduction on their premium is up to Rs. 25,000.

No, you can not claim tax benefits half-yearly. Tax benefits can only be claimed annually.

Yes, the availability to claim tax benefits for ICICI Lombard premiums through a Health Saving Account (HSA).

No, the tax benefits can not be claimed by NRIs on any insurance premiums. Only Indian residents can claim this benefit.

Yes, a claim for a pre-existing condition can be made but only after the waiting period of the condition is over. The waiting period for pre-existing conditions in ICICI Lombard is 2-4 policy years.

If the base plan coverage and top-up plan sum insured have been claimed by the policyholder then they have to cover the remaining amount by themselves.

Under ICICI Lombard, hospitalisation expenses outside India are covered only if there is an add-on in the policy. This add-on can be global consultations or international hospitalisation. However, this benefit is only available under specific plans.

Customizing a top-up plan with additional riders may differ in every plan depending on their terms and conditions.

ICICI Lombard’s women health insurance plan provides cover for an inpatient hospitalization, pre & post hospitalization, organ donor expenses, road emergency ambulance cover and more. The key coverage under the plan includes maternity benefit as well as newborn baby cover on an optional basis. Lawful termination of the pregnancy under the policy period is also covered by ICICI Lombard’s women health insurance plan. OPD cover, convalescent benefit, wellness and preventive healthcare, critical illness cover are some of the add-on covers provided by the policy.

Yes! A policyholder is eligible for tax benefits according to Section 80D of the Income Tax Act, 1961 for the premium paid for ICICI Lombard’s women health insurance plan.

ICICI Lombard’s women health insurance policy Complete Health Insurance features various benefits including extensive sum insured range, no medical screening required up to 46 years, easy & quick cashless claim settlement, and more. One of the key advantages of the plan is that it provides cover for maternity expenses as well as newborn baby cover (on an optional basis). The plan also comes with the lifelong renewability feature and provides value-added services as well. Multiple add-on covers like critical illness cover, OPD cover, hospital daily cash and more are a part of the plan.

Policy renewal time is the perfect time for getting any change done in the sum insured amount. It must be noted that all health insurance companies including ICICI Lombard do not permit a policyholder to make any sum insured changes during the policy period. So, if you want to increase or decrease your sum insured, it would be ideal to wait for the policy renewal time to arrive.