Welcome to our support center

How can we help you?

Health Insurance

How to download insurance copy using policy number?

1. For queries or complaints related to ICICI Lombard, you may contact ICICI Lombard on 18002098888 (Toll-Free) or write to customersupport@icicilombard.com. For more details, you may visit the ICICI Lombard website, www.icicilombard.com .

2. For queries or complaints related to ICICI Prulife, you may contact ICICI Prulife on 1800222020 (Toll-Free) or write to lifeline@iciciprulife.com.
For more details, you may visit the ICICI Prulife website, www.iciciprulife.com .

What is Health Insurance portability?

Health insurance portability means that you have the freedom to switch from one insurer to another without losing any continuity benefit with respect to PEDs, waiting period and other time bound exclusions, earned in the previous health insurance policies, subject to continuous insurance in the previous years

Which diseases are covered under First 2 Years Exclusions in Complete Health Insurance Policy?

Following ailments / treatments would not be covered in the first two years of the Period of Insurance

• Cataract*
• Benign Prostatic Hypertrophy
• Myomectomy, Endometriosis, Hysterectomy unless because of malignancy
• All types of Hernia, Hydrocele
• Fissures &/or Fistula in anus, haemorrhoids/piles
• Arthritis, gout, rheumatism and spinal disorders
• Joint replacements unless due to accident
• Sinusitis and related disorders
• Stones in the urinary and biliary systems
• Dilatation and curettage Endometriosis
• All types of Skin and internal tumors/ cysts/nodules/ polyps of any kind including breast lumps unless malignant
• Dialysis required for chronic renal failure
• Surgery on tonsils, adenoids and sinuses
• Gastric and Duodenal erosions & ulcers
• Deviated Nasal Septum
• Varicose Veins / Varicose Ulcers
* After 2 years of continuous coverage with us, a sub-limit of ₹20,000 per eye will be applicable for sum insured less or equal to ₹5 lakh and ₹1 lakh per eye for sum inured greater than ₹5 lakh during each Policy Year.

If I go for reimbursement how will Claim Service Guarantee work in Health Booster Policy?

In case we fail to make the payment of admissible claim within 14 days, we shall pay 1% over and above the rate defined as per IRDA (Protection of Policyholder’s Interest) Regulations 2002

How long will ICICI Lombard take to settle my claim in Health Booster Policy?

Once all necessary documents have been sent to us and queries have been answered, we will process your claim. If you are availing of the cashless facility, your claim will be settled within 4 hours directly with the hospital. In case of a reimbursement facility, your claim will be settled through NEFT within 14 days of submission of all the required documents. We will provide you the benefit under claim service guarantee if there is a delay beyond these specified timelines as per the T&C stated for this feature. Please refer policy wordings for details.

What do you mean by Co-payment in Health Booster Policy?

Co-payment is a cost-sharing requirement under a health insurance Policy in which the policyholder/ insured will bear a specified percentage of the admissible claim amount. A Co-payment does not reduce the Sum Insured (SI).

What is the procedure to cancel the policy in Complete Health Insurance Policy?

You can cancel your policy by giving us a written notice of 15 days. Premium refund will be provided on a short-term basis for the unexpired policy period as per the rates detailed below, provided no claim has been payable under the policy. Policy Period Within 1 Month From 1 Month To 3 Months From 3 Months To 6 Months From 6 Months To 9 Months 9 Months To 12 Months 12 Months To 18 Months 18 Months To 21 Months 21 Months To 24 Months During 2ndYear 1 year 80% 60% 40% 20% 0% NA NA NA NA

What is the procedure to cancel the Health Booster policy?

The policy can be cancelled by giving a 15 days’ written notice. Premium refund will be on short-term basis for the unexpired policy period as per the rates detailed below, provided no claim has been payable under the policy.

What do you mean by Reimbursement in Complete Health Insurance Policy?

The amount paid back by the insurer for the expenses incurred by the insured is called reimbursement.

Can ICICI Lombard cancel my Health Booster policy before the expiry date?

We may cancel your policy in the case of misrepresentation, fraud, non-disclosure of material facts or non-cooperation of the insured/ policyholder. Prior to cancelling the policy, we will send a written notice to this effect through registered post, giving 15 days' notice to the policyholder.

If I go for reimbursement how will Claim Service Guarantee work in Complete Health Insurance Policy?

In case we fail to make the payment of admissible claim within 14 days, we shall pay 1% over and above the rate defined as per IRDA (Protection of Policyholder’s Interest) Regulations 2002.

What should I do if I want to insure more than 2 adults or 3 children under Complete Health Insurance Policy?

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

What do you mean by Date of Inception in Complete Health Insurance Policy

Date of Inception is the date from which the policy becomes valid.

Can extended family members be covered under my health policy?

Your policy is designed to cover your immediate family members, which can include your spouse, dependent children, brother(s), sister(s), dependent parent(s), grandparent(s), grandchildren, mother-in-law, father-in-law, son-in-law, daughter-in-law, dependent brother-in-law and dependent sister-in-law. However, the total number of people covered under the policy cannot exceed more than 2 adults and 3 children.

If I go for Cashless Hospitalisation how will Claim Service Guarantee work in Health Booster Policy?

In case of delay in response by ICICI Lombard beyond the time period of 4 hours (3 hours for enhancement, query & final bill), we shall be liable to pay ₹1,000 to the customer. Our maximum liability in respect of a single hospitalisation shall, at no time exceed ₹1,000.

In Health Booster Policy What do I get for my wellness points? Can I use them to get discounts while renewing my policy?

You can redeem your points against reimbursement of medical expenses like consultation charges, medicine and drugs, diagnostic expenses, dental expenses, wellness, preventive care and other miscellaneous charges not covered under any medical insurance, through our network providers. No discounts would be offered on premium amount on renewal against wellness points

What if I also have or intend to buy a medical policy of any other insurance company in Health Booster Policy?

It is as per choice, but you would have to intimate us of the same and the concerned insurance company

Does Complete Health Insurance Policy cover pre-existing diseases?

Yes, pre-existing diseases are covered after specified waiting period, provided the policy is renewed continuously for the same period with the Company.

In Complete Health Insurance Policy How many times can Hospital Daily Cash be claimed? Does it get restored every year in a multi-year policy? Is this amount over and above policy Sum Insured (SI)?

Hospital Daily Cash can be claimed once in a policy year and it gets restored every year in a multi-year policy. It is over & above Basic Policy SI.

What is the tenure for Complete Health Insurance Policy?

The policy tenure is either 1 year or 2 years.

In Complete Health Insurance Policy what are the covers offered under Day Care Surgeries/Treatments?

It refers to payment of the medical expenses incurred by the insured while undergoing Specified Day Care Procedures/Treatment (as mentioned in the Day Care Surgeries list), which require less than 24 hours hospitalisation

In the event of a claim already being made, if I want to renew my Complete Health Insurance Policy policy for the second year, do I have to pay the premium again?

Yes, you will be required to pay the premium again.

How many times can I claim Convalescence Benefits in Complete Health Insurance Policy?

You can claim Convalescence Benefits once in a year.

In Complete Health Insurance Policy Do I have to pay the difference if the actual expenses are more than the cover?

Yes. For example, if you have a cover of ₹10,000 for maternity and incur an expense of ₹15,000 then you will have to pay ₹5,000 by yourself.

What is the difference between individual and Floater options in Complete Health Insurance Policy?

Individual plan covers only one insured in a policy. Floater plan covers more than one insured (max 2 Adults and 3 Children) and provides one sum insured to all.

What are the tax benefits that can be availed on this in Complete Health Insurance plan?

Deduction u/s 80 D of Income Tax Act is available from taxable income for premium paid towards health insurance A) For self, spouse and dependent children - (Maximum ₹25,000) If you are 60 years and above - (Maximum ₹30,000) B) For Parent (s) (Maximum ₹25,000) * In case Parent(s) are resident senior citizen (Maximum ₹30,000)

What do you mean by Mandatory Cover in Complete Health Insurance Policy?

Mandatory Cover comes inbuilt in the plan. The customer does not have the option to exclude it from the plan.

What do you mean by Permanent Exclusion in Complete Health Insurance Policy?

The disease under Permanent Exclusions will not be covered in the Health Insurance plan.

What do you mean by Co-Payment in Complete Health Insurance Policy?

Co-Payment is a cost-sharing requirement under a health insurance policy, which provides that the policyholder/ insured will bear a specified percentage of the admissible claim amount. A co-payment does not reduce the Sum Insured.

What do you mean by Premium in Complete Health Insurance Policy?

The amount paid to avail the covers in the policy is called premium.