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Health Insurance

How to download insurance copy using policy number?


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?

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 procedure to cancel the policy in Complete Health Insurance Policy?

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 Health Booster Policy?

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 come under permanent exclusions of the Health Booster plan?

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).

What is a non-premium bearing endorsement in Complete Health Insurance Policy?

A non-premium bearing endorsement is the endorsement for which no additional premium is charged.

What are the documents required for a claim in Complete Health Insurance Policy?


• Depending upon the circumstances of the case, additional information or additional documents can be asked for the settlement of the claim
• The documents should be in originals unless otherwise agreed by the Company
• Document in vernacular should be accompanied by the translation of the same in English and duly attested
• Copy of health card

List of Documents required:
• Duly completed Claim form signed by the insured and the Medical Practitioner
• Original bills, receipts and discharge certificate/card from the Hospital/Medical Practitioner
• Original bills from chemists supported by proper prescription
• Original investigation test reports and payment receipts
• Indoor case papers
• Medical Practitioner's referral letter advising hospitalisation in non-accident cases

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

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.

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


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.

How many times can a customer claim Convalescence benefits in Complete Health Insurance Policy?

A customer can claim Convalescence benefits once in a year.

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

A medical test is mandatory for any insured member who is more than 45 years age.

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


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.

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

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

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

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).

What is an endorsement in Complete Health Insurance Policy?

An endorsement is a written evidence of an agreed change in the policy. It is a document that incorporates changes in the terms of the policy. Additional premium will be charged as applicable.

In Complete Health Insurance Policy will I get paid in case the delay is from my end in providing necessary documents?

Unfortunately, the claim service guarantee feature is applicable in case of any delay from ICICI Lombard only.

Can the customer choose only one from Hospital Daily Cash and Convalescence benefits in Complete Health Insurance Policy?

No, both are bundled & have to be taken together. Customer can’t choose either of Hospital Daily Cash cover or Convalescence benefit cover

In Complete Health Insurance Policy How many times can donor expenses be claimed? Does it get restored every year in a multi-year policy? Is this amount over and above policy Sum Insured (SI)?

Donor expenses can be claimed up to ₹50,000 during a policy year and it gets restored every year in a multi-year policy. It is over & above Basic Policy SI.

In Complete Health Insurance Policy does a higher cover mean preferential treatment in case of hospitalisation and claim?

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 quality service and treatment at our network hospitals.

Can extended family members be covered under my health policy?

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?

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

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

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


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.

Are all policyholders eligible for a Health Card in Health Booster Policy?

Yes, all the policyholders are eligible for the Health Card as it is an important component of the policy.

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

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.

What is Reset benefit in Health Booster Policy?

For plans with Sum Insured (SI)/deductible of ₹3 lakh and above, we will reset up to 100% of the SI once in a policy year, in case the SI including accrued ASI (if any) is insufficient to make the claim.

What are the limits for Pre and Post Hospitalisation expenses in Health Booster Policy?

It refers to payment of the Medical Expenses incurred by the insured immediately, 60 days before and 90 days after hospitalisation.

What are the optional covers under the Health Booster plan?

Hospital Daily Cash allowance and convalescence benefit, personal accident, total temporary disability, repatriation of remains and critical illness.

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

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.

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

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.