Welcome to our support center

How can we help you?

Health Insurance

How to download insurance copy using policy number?

Link

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?

Link
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

What is the procedure to cancel the Health Booster policy?

Link
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.

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

Link
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.

What all benefits do I get from the wellness programme in Health Booster Policy?

Link
Other than reward points that you can redeem, you will also be entitled for various wellness services like medical advice, dietician and nutritional counselling, free health check-ups, medical concierge services etc.

What do you mean by Premium in Health Booster Policy?

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

Will the premium be the same when I renew my Health Booster Policy?

Link

Your premium depends on your age and the extent of coverage you have opted for in your policy.

• If you move to a higher age band at the time of renewal, the premium will change as per the new age band. In case of an individual policy, the age of individual is checked. For floater policies, age of the senior-most member is considered.
• If, at the time of renewal, you upgrade your product to a higher sum insured, add on covers or make changes to the number of people covered, your premium will change.

What are the optional covers under the Health Booster plan?

Link
Hospital Daily Cash allowance and convalescence benefit, personal accident, total temporary disability, repatriation of remains and critical illness.

What is the process for claim in Complete Health Insurance Policy?

Link

• The claim process involves 3 steps
• Claim Intimation
• Claim Processing
• Claim Payment/Closure
• Claim Intimation

Claim can be intimated through various modes:
• Customer Care
• Walk in
• E-mail
• Fax
• Letter
• SMS

How can I track my current claim status in Health Booster Policy?

Link
Once a claim is submitted, its status can be tracked on our website. You can log in to your personal section on our website - www.icicilombard.com - and check the claim status.

Which diseases come under permanent exclusions of the Health Booster plan?

Link
Injury or diseases directly or indirectly attributable to war, invasion, act of foreign enemy, war like operations, cosmetics, aesthetics treatment unless arising out of accident. Cost of spectacles, contact lenses, and hearing aids (LASIK), dental treatment, or surgery of any kind unless requiring hospitalisation etc. (Refer policy wordings for details).

What is a non-premium bearing endorsement in Complete Health Insurance Policy?

Link
A non-premium bearing endorsement is the endorsement for which no additional premium is charged.

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

Link
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.

How can I cancel my Health Bosster policy before the expiry date?

Link

A) Free look period: You can cancel and return your policy within 15 days of receiving it by sending us the free look request form available on our website or by submitting written notice to the company either through registered post or from your registered e-mail address.

You can also call us on our toll-free number 1800 2666 and let us know if you would like to cancel the policy. If you avail of this feature, the premium will be returned to you.

B) If you wish to cancel the policy after the free look period but before the expiry date, you can do so by following the same process as above. We shall refund premium on the short-term rates (as specified in policy wordings Part III) for the policy period remaining.

C) Premium refund will be done through NEFT mode only, please send us a duly filled and signed NEFT form available on our website.

What is the wellness program in Health Booster Policy?

Link
Wellness programme intends to promote, incentivise and reward you for your healthy behaviour through various wellness services. Also, undergoing various wellness activities makes you earn wellness points which will be tracked by us. You can later redeem these wellness points as per our redemption terms and conditions

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

Link
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 an endorsement in Complete Health Insurance Policy?

Link
An endorsement is a written evidence of an agreed change in the policy. It is a document that incorporates changes in the terms of the policy. Additional premium will be charged as applicable.

What are the optional covers under Complete Health Insurance Policy ?

Link
1. Hospital daily cash allowance and convalescence benefit 2. Critical Illness and Donor Expenses

What is the tenure for Complete Health Insurance Policy?

Link
The policy tenure is either 1 year or 2 years.

How can I create my online account with ICICI Lombard to avail of these services?

Link

You can avail of these services through your personal login on our website.
a) Log on to www.icicilombard.com and click on the ICICI Lombard Healthcare option, which you will find under 'Claims & Wellness'

b) Go to the customer log in section and sign up to fill in and submit the form

c) You will get a reference number and message informing that your ID will be activated in 24 hours.

d) After you receive an e-mail with your login credentials, login to the system to avail the value added services available to you. With this online account, you can also access your policy certificate, policy information, claim forms, list of empanelled hospitals and more.

If you have any other question(s) or cannot access your account then please call us on our toll-free number 1800 2666 or e-mail us at customersupport@icicilombard.com.

Can extended family members be covered under my health policy?

Link
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.

Can I add or remove family members from Health Booster Policy?

Link
Yes, you can add family members to your policy at any time by paying additional premium as applicable. However, removal can be done only at the time of renewal. The additions cannot increase the policy limit to more than 2 adults and 3 children. In the case of an individual policy, any other person cannot replace the insured. Please note that fresh waiting period will be applicable to the person added

How does a Health Card function in case of a 2 years / 3 years (auto renewal) policy?

Link
In case of a 2 years / 3 years (auto renewal) policy, you will be issued a single card, which will be valid for the entire policy period. The health card need not be renewed or re-issued during the policy tenure.

I have received a health card along with the policy kit. Why do I need a health card?

Link
A health card is given to all the people insured in your policy. This card has all the details of the insured along with the policy number, policy start date and end date. You will have to produce this when you avail of the cashless hospitalisation facility. It should also be carried along with the free health check-up coupon if you are availing of this facility at a diagnostic centre

What benefits do I get by renewing my Health Booster Policy with ICICI Lombard?

Link

There are several benefits in renewing your policy with ICICI Lombard:

  • It ensures uninterrupted coverage for your health and medical treatment requirements.
  • You will earn a 10% cumulative bonus on your sum insured for every claim free renewal, subject to a limit of 50%. For example, a policy with a sum insured of ₹3 lakh will earn ₹30,000 for each year of not making a claim, up to ₹1,50,000 of cumulative bonus.
  • Each year, you will also earn your complimentary health check-up coupon.

If I have made a claim, does that affect the renewal of my Health Booster Policy?

Link
In case you have made a claim in the current year, you will not be eligible for no-claim bonus. However, if a claim is made in the subsequent years and no claim was made earlier, then 10% of base sum insured will be deducted at the time of next renewal from the additional sum insured accrued. However, at any renewal, your sum insured will not be less than the base sum insured for the policy.

What is claim service guarantee in Health Booster Policy?

Link
In case of delay in response by ICICI Lombard beyond the time period as stated for claims settlement, we shall be liable to pay the interest/benefit amount as per the claim service guidelines.

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

Link
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.

How soon can I file a hospitalisation claim in my Health Booster Policy?

Link

a) There is a waiting period of 30 days from the start of the first time you buy the policy, before which a claim cannot be made for any illness, except for hospitalisation due to injury or accident.

b) Apart from this, there are some illnesses for which you cannot make a claim for the first 2 years (refer to part 2 of the policy wordings for this list).

c) Additionally, in the case of claims relating to pre-existing illnesses, you cannot make a claim for first 2 years.

Do ensure that you intimate us of a planned hospitalisation at least 48 hours before admission. In the case of an emergency, we must also be informed within 24 hours of admission. You can download claims forms from our website - www.icicilombard.com.

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

Link
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