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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

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.

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.

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

How many members (family types) can be covered in Complete Health Insurance Policy?

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The insured has the option to cover from 1 Adult to 2 Adults & 3 Children.

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.

Would I receive confirmation on the changes done in the Health Booster Policy?

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Any changes made in the policy during the policy period will be made through an endorsement. All the endorsements will be confirmed with an endorsement letter, which is sent to the customer after the changes are made.

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.

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

Does Complete Health Insurance Policy cover pre-existing diseases?

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Yes, pre-existing diseases are covered after specified waiting period, provided the policy is renewed continuously for the same period with the Company.

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

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

What do you mean by pre-existing disease in Complete Health Insurance Policy?

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Any condition, ailment or injury related condition, for which you have signs or symptoms and/or were diagnosed and/or received medical advice/treatment within 48 months prior to the first policy with the insurance company, is called a pre-existing disease.

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

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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.

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

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.

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.

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 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.

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

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

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

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.

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.