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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 .

How does a Health Card function in case of a 2 years / 3 years (auto renewal) policy?

In case of a 2 years / 3 years (auto renewal) policy, you will be issued a single card, which will be valid for the entire policy period. The health card need not be renewed or re-issued during the policy tenure.

How long will ICICI Lombard take to settle my claim in Health Booster Policy?

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.

What are the optional covers under Complete Health Insurance Policy ?

1. Hospital daily cash allowance and convalescence benefit 2. Critical Illness and Donor Expenses

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

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

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

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

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

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

What are the tax benefits that can be availed on this in Complete Health Insurance plan?

Deduction u/s 80 D of Income Tax Act is available from taxable income for premium paid towards health insurance A) For self, spouse and dependent children - (Maximum ₹25,000) If you are 60 years and above - (Maximum ₹30,000) B) For Parent (s) (Maximum ₹25,000) * In case Parent(s) are resident senior citizen (Maximum ₹30,000)

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

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.

In Health Booster Policy How many times can Hospital Daily Cash or Convalescence benefit be claimed? Does it get restored every year in a multi-year policy? Is this amount over and above policy SI?

Hospital Daily Cash or Convalescence benefit can be claimed once in a policy year. Yes, it gets restored every year in a multi-year policy. It is over and above the basic policy sum insured.

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.

What are the benefits of a health card in Health Booster Policy?

A health card mentions the contact details and the contact numbers of the Third Party Administrator (TPA). In case of a medical emergency, you can call on these numbers for queries, clarifications and for seeking any kind of assistance. Moreover, you need to display your health card at the time of admission into the hospital

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 do you mean by Permanent Exclusion in Complete Health Insurance Policy?

The disease under Permanent Exclusions will not be covered in the Health Insurance plan.

What do you mean by period of the Complete Health Insurance policy?

Policy period is the period for which the policy is valid.

What do you mean by waiting period in Complete Health Insurance Policy?

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

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

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.

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.

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 high quality service and treatment at our network hospitals.

Can ICICI Lombard cancel my Health Booster policy before the expiry date?

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 can I cancel my Health Bosster policy before the expiry date?


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?

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 file multiple claims in the year in Health Booster Policy?

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.

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


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.

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

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

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.

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

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.