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Health 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 .

Premium for Health insurance

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Premium for Health Insurance depends on age of the insured and sum insured choosen. To apply, please visit https://www.icicibank.com/Personal-Banking/insurance/health-insurance/complete-health-insurance.page?#toptitle

How do I apply for Health Insurance?

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ICICI Lombard offers Health Insurance according to different requirements. To apply, please visit https://www.icicibank.com/Personal-Banking/insurance/health-insurance/complete-health-insurance.page?#toptitle

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.

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.

cancel health insurance

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To cancel any existing Insurance policy, please call our Customer Care on 1860 120 7777

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.

How do I link my ICICI Lombard Health Policy online ?

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To link your ICICI Lombard Health Policy online, please login to ICICI Bank Internet Banking -> Investments and Insurance -> General Insurance -> Link Your Policy and enter the required 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

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).

Sum insured for health insurance

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Complete Health Insurance offers provide various Sum Insured option and can provide coverage up to Rs 10 lakhs. To apply, please visit https://www.icicibank.com/Personal-Banking/insurance/health-insurance/complete-health-insurance.page?#toptitle

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.

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

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There is no maximum entry age.

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.

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 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.

Renew Health Insurance policy

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You can renew your health insurance policy through a hassle-free online process. Please visit https://www.icicilombard.com/renew-policy#health

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.

Why are my health details asked for health insurance?

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The health information helps us understand your risk profile which means the risk you represent to the company financially. You should fully disclose your health details to avoid any difficulty while your nominee claiming the sum assured.

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.

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

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

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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.

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

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In case of delay in response by IL 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

Do I need to pay anything extra to get Reset benefit added in my Complete Health Insurance Policy?

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Absolutely not, this benefit is a default feature in all plans with Sum Insured (SI) of ₹3 lakh & above

Why are my height and weight asked for health insurance?

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Your height and weight details are asked to calculate your BMI, or Body Mass Index. BMI is an indicator of probable risk of long term diseases and health condition.

Does a higher cover mean preferential treatment in case of hospitalisation and claim?

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No, a higher cover does not entitle you to preferential treatment. Irrespective of the insurance cover you buy - either a` 2 Lakh cover or a ` 4 Lakh cover - you will get high quality service and treatment at our network hospitals.

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

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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

Do I need to intimate ICICI Lombard in case of any delay in claim settlement in Health Booster Policy?

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Absolutely not, as our systems are designed to pay the claim service guarantee amount directly to customers along with the reimbursement claim amount.

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

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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