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General Insurance

How to download insurance copy using policy number?

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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 .

Can I renew my Two Wheeler policy online?

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Yes, you can renew your policy online, starting 60 days before the expiry of your existing policy.

How do I register my claim in Two Wheeler policy?

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Contact our Toll-free Helpline 1800 2666 to register your claim and get a claim number/ reference number. You can also directly register your claim online*, with our Lodge A Motor Claim service. * Please note that, as of now only accidental damage claims can be processed through the 'Lodge A Motor Claim' interface

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

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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 Cashless Hospitalisation how will Claim Service Guarantee work in Health Booster Policy?

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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.

I want to make changes in my Car Insurance policy

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Following changes are allowed in the policy

1. Name rectification:
• Please send an e-mail with the policy details at customersupport@icicilombard.com. You would be provided with a request number and the changes would be done
• You can click here to place a request
• You can also visit our nearest branch with the documents

Registration number/ Engine/ Chassis number rectification:
• Please send an e-mail with the policy details and a scanned copy of your RC book at customersupport@icicilombard.com. You would be provided with a request number and the changes would be done
• You can click here to place a request and upload a scanned copy of your RC book
• You can also visit our nearest branch with these documents

Address Rectification:
• Please send an e-mail with the policy details and the correct address details at customersupport@icicilombard.com. You would be provided with a request number and the changes would be done
• You can click here to place a request and upload a scanned copy of your address proof
• You can also visit our nearest branch with a request letter for address rectification

Address change:
• Please send an e-mail with the policy details and the correct address details at customersupport@icicilombard.com. You would be provided with a request number and the changes would be done
• You can click here to put in a request and upload a scanned copy of your address proof
• You can also visit our nearest branch with a request letter for address change

Change in model/Vehicle:
• Please visit our nearest branch with a copy of your RC book, request letter and policy documents. These changes might affect the premium charged, so please carry a cheque along.

Name transfer (Transfer of ownership):
• If you transfer your vehicle on some other person’s name, the insurance also needs to be transferred on the new owner’s name.
• To get the insurance transferred in the new owner’s name, please visit our nearest branch with:
1. Endorsed copy of Registration Certificate/ Form 29 and Form 30 along with seller request letter for transfer of ownership
2. Proposal form filled and signed by the new owner of the vehicle
3. Vehicle inspection report if the difference between the date of transfer and request for endorsement is greater than 14 days
4. These changes might affect the premium charged, so please carry a cheque along

Addition of LPG/ CNG kit/ Electrical/ Non-electrical accessories

Please visit our nearest branch with the following documents:
• Invoice copy of the CNG kit/ Electrical/ Non-electrical accessories and endorsed RC (with LPG/ CNG) or letter with the declaration value
• Request letter
• Cheque for paying the required premium

Addition of Anti-theft device:

Please visit our nearest branch with the following documents:
• Invoice copy of fitted device (ARAI approved) or letter with the declaration value
• Request letter

Change in RTO/ Registration:
• Please visit our nearest branch with the following documents:
1. Copy of your updated endorsed Registration Certificate (RC)
2. These changes might affect the premium charged, so please carry a cheque along

NCB Recovery/ Change:

Please visit our nearest branch with the following documents:
• Request letter from Insured
• Original NCB reserving letter from Previous Insurer
• Proof of sale of old vehicle

Addition of Hypothecation:
• Please send an e-mail with the policy details, a scanned copy of your request letter, your sanction letter from the financial institution and the endorsed copy of your Registration Certificate (RC) on customersupport@icicilombard.com. You would be provided with a request number and the changes would be done
• You can click here to place a request and upload the scanned copy of request letter, your sanction letter from the financial institution and the endorsed copy of Registration Certificate (RC)
• You can also visit our nearest branch with these documents

Change of Hypothecation:
• Please send an e-mail with the policy details, a scanned copy of Request Letter, your sanction letter from the new financial institution, NOC from the previous financial institution and the endorsed copy of Registration Certificate (RC) at customersupport@icicilombard.com. You would be provided with a request number and the changes would be done
• You can click here to place a request and upload the scanned copy of Request letter, your sanction letter from the new financial institution, NOC from the previous financial institution and the endorsed copy of RC
• You can also visit our nearest branch with these documents

Cancellation of hypothecation:
• Please send an e-mail with the policy details and a scanned copy of Request letter, your NOC letter from the financial institution documents and the endorsed copy of Registration Certificate (RC) at customersupport@icicilombard.com. You would be provided with a request number and the changes would be done
• You can click here to place a request and upload the scanned copy of Request letter, your NOC letter from the financial institution documents and the endorsed copy of RC
• You can also visit our nearest branch with these documents

Can I renew my motor policy online?

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Yes, you can renew your policy online, starting 60 days before the expiry of your existing policy. In case your vehicle insurance policy has already expired, our authorised surveyor will inspect the vehicle, before policy issuance. The policy would only be issued subject to a satisfactory inspection and submission of required documents.

What is the meaning of insurance?

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Insurance is a protection against the financial loss arising on the happening of an unexpected event. A person can avail this protection by paying a premium to an insurance company.

Is a medical test mandatory for everyone in Complete Health Insurance Policy?

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A medical test is mandatory for any insured member who is more than 45 years age.

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

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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 Health Insurance portability?

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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 does the Legal Liability cover for a paid driver include in Car Insurance Policy?

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A legal liability for a paid driver implies that if you have hired a driver to drive your vehicle and he meets with an accident while driving it, then the insurance company will provide compensation for his injury/ loss of life.

What is ARAI in Car Insurance Policy?

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ARAI stands for Automotive Research Association of India. If you have installed an ARAI approved anti-theft device in your vehicle, whose installation is dully certified by the agency, you can get a discount of 2.5% on the Own Damage (OD) premium subject to maximum of ₹500.

What is the procedure to cancel the Health Booster policy?

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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.

Can extended family members be covered under my health policy?

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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.

Who can take the Home insurance?

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The owner of the property (dwelling and contents) with insurable interest can insure an asset.

What are the documents required to cancel the Car Insurance policy?

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The documents required to cancel the policy by the customers are as follows
• Customer Request Letter
• Alternate policy proof (TP / Comprehensive)
• Original Policy Copy
• Sale proof of the vehicle or Sale Deed/Form 29&30 along with RTO acknowledgement. (in case of vehicle sold)
• NOC from financer if the vehicle is seized by the financerer.

What is the maximum entry age in Complete Health Insurance Policy?

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There is no maximum entry age.

What are the exclusions in Home Insurance policy?

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The company is not liable to make payment for:

• Any loss or damage caused by you or your domestic staff direct or indirect involvement in an attempted burglary
• Any loss or damage on account of loss of livestock, motor vehicles, pedal cycles, money, securities for money, stamp, bullion, deeds, bonds, bills of exchange, promissory notes, stock or share certificates, business books, manuscripts, documents of any kinds, ATM debit or credit cards, unless previously specifically declared by the company.
• Any loss or damage to any property that is illegally acquired, kept, stored which is subject to forfeiture.
• Any loss or damage occurring while your home is unoccupied for a period of more than 30 days consecutively and if you failed to inform the company about the same.

What are the covers offered under Pre and Post Hospitalisation Expenses in Complete Health Insurance Policy?

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It refers to payment of the medical expenses incurred by the insured, immediately 30 days before and 60 days after hospitalisation.

What is the duration under Garage cash cover in Car Insurance Policy?

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The duration for which the company will be liable for claim in respect of this add on will be considered from the day after the insured vehicle is delivered to the garage till the day immediately preceding the date of discharge or date of invoice for such repair as prepared by the garage, whichever is earlier.

What if I sell the property during the Home Insurance policy period?

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You can cancel the policy and take the premium back as per the refund grid.

What is the cost of the medical tests undergone by the insured in Complete Health Insurance Policy?

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Cost of the Pre Policy Medical Check-up for policy issuance is ₹800. The Company will pay 100% of the cost of the medical test. In case the health proposal is declined, medical cost will be deducted from the premium and the balance would be refunded.

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

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

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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 is the period of General Insurance policies?

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Typically, General Insurance contracts are for a one-year period only.

In Home Insurance policy how do I calculate the value of the structure?

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In home insurance policy, the structure of your home is insured for its reconstruction value (and not for the market value). This value is the cost incurred to reconstruct the home if it is damaged. On the other hand, market value of your home is a combination of cost of land, demand and supply scenario, etc. The sum insured is calculated by multiplying the built up area of your home with the construction rate per sq. feet, e.g. if the built up area of your home is 1000 sq. feet and the construction rate is ₹1800 per sq. feet, the sum insured for your home structure is ₹18,00,000

If my AC is damaged or is out of order due to a technical issue, is it covered in the Home Insurance policy?

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If the damage is caused due to the action of insured perils then it will be covered under the policy.

Can we offer Home insurance for a building, which is 45 years old?

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We offer a cover for the buildings not more than 50 years old.

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

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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.