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

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

Link
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?

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).

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.

Where can the medical tests be conducted to avail Complete Health Insurance Policy?

Link
The medical tests can be conducted at any designated centers identified by ICICI Lombard.

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 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 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 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 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 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.

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.

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 is the tenure for Complete Health Insurance Policy?

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

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

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

Link
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.

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 the maximum entry age in Complete Health Insurance Policy?

Link
There is no maximum entry age.

What is annual sum insured in Health Booster Policy?

Link
Annual sum insured denotes maximum amount of cover available during each policy year of the policy period. It includes your base sum insured and additional sum insured.

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

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

What all expenses are including in sub limit amount in Complete Health Insurance Policy?

Link
All the expenses including room rent, pre-post hospitalisation, etc related to treatment are capped up to the amount mentioned in the sub limit bracket.

What do you mean by annual sum insured in Complete Health Insurance Policy?

Link
The annual (basic) sum insured is the maximum amount that an insurance company will pay you, according to the insurance contract, in the event of a claim.

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

Can I file multiple claims in the year in Health Booster Policy?

Link
Yes, you may file multiple claims in the year, subject to the total amount of the claims not exceeding the sum insured of your policy, additional sum insured and reset benefit.

Is the claim amount subject to tax in Health Booster Policy?

Link
No, the claim amount you receive under your health policy is not subject to tax.

What should I do if I want to insure more than 2 adults or 3 children in Health Booster Policy?

Link
If the number of adults or number of children is more than 2 adult + 3 children, 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 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 are the steps for cash settlement in Complete Health Insurance Policy?

Link

Cash settlement is only available at network hospitals. Pre-authorisation request to be made -
• At least 48 hours before a planned hospitalisation and
• Within 24 hours of emergency hospitalisation

Steps involved-
• Admission in network hospital
• Fax the pre-authorisation form along with relevant documents (Investigation reports, Previous consultation papers if any, Cashless ID, Photo ID)
• Review of claim request by Company(as per policy terms & conditions
• Claim settlement by Company (as per policy terms & conditions) with the hospital after completion of all formalities

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