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 .

How do I apply for Health Insurance?

Link
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?

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.

cancel health insurance

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

In the event of a claim already being made, if I want to renew my Complete Health Insurance Policy policy for the second year, do I have to pay the premium again?

Link
Yes, you will be required to pay the premium again.

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

What is the difference between Top Up & Super Top Up in Health Booster Policy?

Link
For a Top Up Plan, deductible will apply for every hospitalisation except for claims made for any one illness. In case of an accident where more than one member of a family is hospitalised, deductible will apply on the aggregate claim amount. For Super Top Up Plan, deductible will apply on aggregate basis for all hospitalisation expenses during the policy year. The deductible will apply on individual basis in case of individual policy and on floater basis in case of floater policy

Would I be able to avail of my medical & premium reimbursements in case my Complete Health Insurance Policy is rejected?

Link
In the event that your policy is rejected, you can definitely avail of premium reimbursements within 7 working days. However, we would not be able to reimburse your medical check-up expenses.

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

Renew Health Insurance policy

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

What benefits do I get by renewing my Health Booster Policy with ICICI Lombard?

Link

There are several benefits in renewing your policy with ICICI Lombard:

  • It ensures uninterrupted coverage for your health and medical treatment requirements.
  • You will earn a 10% cumulative bonus on your sum insured for every claim free renewal, subject to a limit of 50%. For example, a policy with a sum insured of ₹3 lakh will earn ₹30,000 for each year of not making a claim, up to ₹1,50,000 of cumulative bonus.
  • Each year, you will also earn your complimentary health check-up coupon.

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.

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 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

When do I have to renew in my Health Booster Policy?

Link
You should renew your policy prior to expiry date of your policy. We give you a grace period of 30 days after expiry date of the policy, within which you can renew the policy without making a fresh application. During this period, you will not be covered for any ailments or accidents but the same policy can be continued. However, it is best that you pay your renewal premium while your policy is still in force so that you can enjoy uninterrupted coverage.

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

Link
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.

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

Link
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.

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.

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

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

How soon can I file a hospitalisation claim in my Health Booster Policy?

Link

a) There is a waiting period of 30 days from the start of the first time you buy the policy, before which a claim cannot be made for any illness, except for hospitalisation due to injury or accident.

b) Apart from this, there are some illnesses for which you cannot make a claim for the first 2 years (refer to part 2 of the policy wordings for this list).

c) Additionally, in the case of claims relating to pre-existing illnesses, you cannot make a claim for first 2 years.

Do ensure that you intimate us of a planned hospitalisation at least 48 hours before admission. In the case of an emergency, we must also be informed within 24 hours of admission. You can download claims forms from our website - www.icicilombard.com.

What do you mean by the floater option in Health Booster Policy?

Link
In a floater option, a single policy under one Sum Insured covers all members of the family. For e.g., 2 adults, 2 adults and 1 child, 1 adult and 2 children, 2 adults and 3 children, 1 adult and 2 children, 1 adult and 1 child. The Sum Insured (SI) can be used by anyone in the family or all covered in the policy multiple times till the time the limit is exhausted.

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 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.

How do I link my ICICI Lombard Health Policy online ?

Link
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 the procedure for increasing the Sum Insured (SI) at the time of renewing the Health Booster policy?

Link
Sum insured can be increased at the time of renewing the policy either online or by visiting our branch. It is important to note that fresh waiting period will be applicable to enhanced SI from the date of enhancement, but not to the base sum insured.

In Health Booster Policy When can I apply for portability? Will I need to undergo medical check-up?

Link
You should apply 45 days prior to your renewal date. Yes, for ICICI Lombard's Health Insurance Plans you will need to undergo medical check-up as per the underwriting guidelines of the company.

Will I get the same SI as per my existing policy? What is the waiting period in Health Booster Policy?

Link
If we accept your proposal, you will get the same Sum Insured (SI) or the portable SI. The total SI of your policy will be as per the policy taken by you from us. The period during which the insurer will exclude coverage to PEDs and other time bound illnesses is referred to as the waiting period.

If I go for reimbursement how will Claim Service Guarantee work in Health Booster Policy?

Link
In case we fail to make the payment of admissible claim within 14 days, we shall pay 1% over and above the rate defined as per IRDA (Protection of Policyholder’s Interest) Regulations 2002

What is the difference between a cashless and a reimbursement claim in Health Booster Policy?

Link

Cashless and reimbursement are two different ways to settle a claim:

a) Cashless claim is a claim where we pay the agreed claim amount directly to the hospital. You need not pay the hospital for the claim amount. You are required to inform us about the procedure or treatment and send us all the related paper work.

b) Reimbursement claim is a claim where you settle the bill with the hospital and then send us the relevant documents. We will reimburse you for the agreed claim amount.

Will the premium be the same when I renew my Health Booster Policy?

Link

Your premium depends on your age and the extent of coverage you have opted for in your policy.

• If you move to a higher age band at the time of renewal, the premium will change as per the new age band. In case of an individual policy, the age of individual is checked. For floater policies, age of the senior-most member is considered.
• If, at the time of renewal, you upgrade your product to a higher sum insured, add on covers or make changes to the number of people covered, your premium will change.