Check ICICI Lombard Health Insurance Status Online

ICICI Lombard has an extensive product portfolio, which includes health, motor, travel, rural or home insurance. The insurance products are specifically designed to offer complete insurance solutions to people of all ages, groups, and occupations. Targeting both individual and corporate clients, ICICI Lombard health insurance company has been consistently recognized for its innovative solutions and customer-centric approach. The company endeavors to provide customized insurance products to their customers.

After purchasing a health insurance policy from ICICI Lombard, it is important to keep checking the status of your policy to get information regarding your premium, bonus and  other benefits. Policyholders can find their eight-digit policy number on the first page of the policy document. This policy number can be used to get any information about the policy either online or from the customer care representative.

How to Check ICICI Lombard Health Insurance Policy Status Online

Highlighted below are easy steps you need to take to check your claim status online:

• Visit your health insurance provider’s web portal
• Navigate to its health insurance web page and click on the claim links to connect to the claim page
• On the claim page, you’ll find two headers’ options listed as ‘retail’ or ‘corporate’. Click on ‘retail’ tab
•  Here, you are required to enter your claim number and press proceed
• The real-time status of your claim request shall be displayed on the page

How To Check ICICI Lombard Health Insurance Claim Status Offline

The offline mode of checking one’s claim status is quite cumbersome but still, for those insured customers who prefer it over the online mode, please follow the steps given below:

• You need to visit the nearest branch of your insurer along with the health policy’s documents. The policy representatives there will guide you on your claim status. 
• Also, you can call on the toll-free numbers mentioned on the insurer’s website, drop them an inquiry on their official email i.d. The claim support executive on the call will ask you for details regarding your policy and its reference number which you must provide.    

For further assistance, you can connect with an InsuranceDekho advisor on call 075511 96989 or email us at support@insurancedekho.com  

Advantages Of Checking Policy Status 

Besides getting to know your ICICI Lombard health insurance policy’s claim status, you can even learn about the latest updates on its offers, premium plans, coverage benefits etc. You can renew your policy in due time as you check on its status from time to time. 

Common Errors and How to Fix Them

There are a plethora of reasons why medical claims get denied and it is very common too that an insured customer might face hurdles in the process of reimbursement but even if denied, one is advised to remain proactive in their efforts and reapply and appeal the decision. Mentioned below are some frequently addressed errors on claim ejection and the easy ways to solve them:

• Explore The Root Cause Of Claim Denial 
  • Thorough understanding of your policy’s terms and conditions is pertinent to know which diseases/medical conditions are covered and which are not covered under your bought health insurance plan
  • Whether there are loose ends reflecting on the policy documents submitted after filling in the details or if there are missing details in the form itself etc
  • Insured customer’s coverage is not subject to medical insurance as per the health plan
  • The health plan is no longer valid 
• Correction Of Documentation And Re-application
  • It is best advised that you review the documentation error and reapply after the necessary rectification needed in the policy and claim forms  
• Send A Re-appeal Letter To The Health Insurance Provider 
  • The claimant is guided to draft a compelling letter to his/her health insurance company to address which specific illnesses/medical conditions are involved; their faith and reason for availing that particular medical policy; providing tangible medical reports and supporting documents as a proof of their illness for which the claim is being filed 
•   Connect With Ombudsman For Further Assistance
  • As per Insurance Act Of 1938, every health insurance policyholder has a right to approach and seek express support from an Ombudsman who’s basically a government appointed policy official authorised to investigate the loopholes/concerns/grievances associated with a claim rejection. He mediates the conflict between an insured and insurer, verifies the facts and recommends the best course of action when a claim is denied. You are cautioned to safeguard your policy’s documents and supporting bills/reports/prescriptions etc to offer as evidence prior to approaching the Ombudsman 

Documents And Information Needed

Listed below is a checklist of the necessary documents required while filing your claim reimbursement for ICICI Lombard Health Insurance:

• Policy claim form duly filled, signed by the insured customer and his consulting medical practitioner
• Detailed breakup summary of your medical invoices/bills
• Discharge summary of the hospitalisation attached with the supporting medical documents like chief complaint/treatment plan received etc
• Treating doctor/medical practitioner’s consultation forms
• Payment invoices/receipt of bills 

Enumerated below is the key information required to facilitate filing of the claim process for ICICI Lombard Health Insurance:

An insured person has to inform his insurance providers 48 hrs prior to a planned hospitalisation and at least 24 hrs before an emergency situation demanding a hospitalisation. He/she has to provide the below mentioned list of papers to procure a Claim Intimation Service Request Number from ICICI Lombard Health Insurance which shall serve as a reference number too. The same reference number has to be provided in the claim reimbursement form during application process along with the following mandatory documents:

• UHID Number 
• Patient’s Name
• Health Policy Number 
• Caller’s Name
• Caller’s Contact No.
• Relation With The Concerned Proposer 
• Reason For Admission Into Medical Facility
• Expected Duration Of The Stay 
• Doctor’s Name 
• Name Of The Hospital
• Hospital’s State
• Hospital’s City
• Hospital’s Complete Address
• DOA

Note: An insured customer/his representative can connect with policy mentors or customer care staff at ICICI Lombard Health Insurance by dialling its toll free no. 1800 2666; alternatively sending an SMS ‘’HEALTHCLAIM’’ on 575758

Conclusion

ICICI bank has about 2000 branches in its network including its 1,100 micro-offices. As of June 30, 2011, ICICI Lombard General Insurance has a network of approximately 315 branches. ICICI Lombard issues instant policies and renewals through its website for retail insurance products such as Car Insurance, Two Wheeler Insurance, Travel Insurance, Health Insurance, and Home Insurance. Their online products are available through their websites directly.

Also Read: 

How To Claim Manipal Cigna Health Insurance

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FAQs

Ques 1.  Are pre-existing conditions/ailments covered under ICICI Lombard Health Insurance plans?

Ans.  No, pre-existing conditions and ailments whether or not declared on the policy documents are not covered under ICICI Lombard Health Insurance plans.

Ques 2.  What's the average claim settlement ratio (CSR) in case of ICICI Lombard Health Insurance?

Ans.  As per CSR statistics of FY 2021-2022, the total no. of claims settled over the total no. of individual claims received within 30 days determine the CSR and for ICICI Lombard Health Insurance, its ratio is 97.07%.

Ques 3.  Will an accidental cover be provided by ICICI Lombard Health Insurance under the hospitalisation expenses?

Ans.  Yes, but an additional premium needs to be paid for the same and the accidental hospitalisation insurance coverage will be granted to you for the expenses incurred during hospitalisation along with Daily cash allowance cover for each day’s hospitalisation expense.