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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 .

cancel health insurance

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

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

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

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

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

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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).

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.

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

What do you mean by entry age and exit age in Health Booster Policy?

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The age eligibility for taking the policy is the entry age and the age after which you cannot take or renew the policy is the exit age.

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

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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.

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.

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

What is claim service guarantee in Health Booster Policy?

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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.

What do you mean by waiting period in Health Booster Policy?

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The duration only after which a claim can be made is called waiting period.

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

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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.

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.

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.

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

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

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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.

In the event of claim being already made, can the Health Booster Policy be renewed for the second year? Do I have to undergo medical a medical check-up again?

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Yes, the policy can be renewed for the second year and the medical check-up is not required again at the time of renewal. Medical check-up has to be taken only once, while taking a policy and only if you are 46 years of age or above.

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.

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.

Can I use this benefit to claim my previously unclaimed bills in Health Booster Policy?

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The reset benefit amount can only be used for all future claims within the same policy year, not related to the illness/disease/injury for which a claim has been paid in that policy year for the same person.

Do I need to pay anything extra to get resey benefit added in my policy in Health Booster Policy?

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Absolutely not, this benefit is a default feature in all plans with SI of 3 lakh & above.

How can I avail Reset benefit in Health Booster Policy?

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Our systems are designed to trigger this benefit automatically.

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

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

In Health Booster Policy Is a medical underwriting (tele-underwriting/ medical test) mandatory for everyone? Where can the medical tests be conducted?

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Medical underwriting is required for any insured member who is more than 45 years of age or has sum insured more than ₹10 lakh or both. The medical tests can be conducted at any designated centres identified by ICICI Lombard.

What is the minimum entry age for this policy? What is the exit age for Health Booster policy?

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Minimum entry age is 6 years for individual plan and 3 months for floater plan. There is no maximum exit age for this policy.

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

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