ICICI Lombard Health Insurance FAQs

ICICI Lombard Health Insurance

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5,025+ Network Hospitals

42,34,760 Policies Issued

Lifelong Renewability

78.32% Claim Settlement Ratio

In-House Health Claim Process

Coronavirus (COVID-19) Cover

Claim Settlement

  • What is a cashless claim?

    A cashless claim means you need not to pay to the hospital even a single penny from your pocket. You can file for a cashless claim if you avail treatment at a network hospital. You can avail the cashless claim during treatment at a network hospital. 

  • How can I file a cashless claim with ICICI Lombard?

    To file a cashless claim, intimidate the insurer about admission, get admitted at a network hospital, show your ID card at the hospital desk, fill in the pre-authorisation form and submit it. Once your application is approved, you can proceed with the cashless treatment and all bills will be directly settled by ICICI Lombard.  For more details, call InsuranceDekho at 1800-1205-698. 

  • Does ICICI Lombard offer reimbursement claim facility?

    Yes, ICICI Lombard offers a reimbursement claim facility. To get this claim, call the insurer at 1800-2666, get treatment at any hospital, collect all original documents from the hospital and send them to ICICI Lombard. Within 15 days of receipt of all the relevant documents, ICICI Lombard will settle the claim amount. For details, dial our toll-free number 1800-1205-698. 

  • What are the documents required for claim settlement process at ICICI Lombard?

    The list of documents includes claim form, original hospital bills, discharge summary, original discharge report, other reports like medicine bills along with a prescription, attending physician’s reports, diagnostic and test reports, surgeon’s reports, etc. and follow-up checkup reports if any.  

Critical Illness

  • Does ICICI Lombard has any health plan for critical illness?

    Yes, ICICI Lombard’s Health Booster comes with an add-on cover that can provide you with coverage for critical illnesses. 

  • Who can get benefits of ICICI Lombard critical illness product?

    Any adult up to the age of 62 can avail the benefits of the critical illness plan of ICICI Lombard.

  • What are the key benefits of ICICI Lombard’s critical health insurance product?

    Under its critical illness product, ICICI Lombard pays a lump sum amount on diagnosis of critical illness up to the extent of cover. However, it is subject to intimation within 30 days of such diagnosis. 

  • What are the illnesses covered by ICICI Lombard?

    The critical illnesses covered by ICICI Lombard are cancer, Kidney Failure, Stroke, Paralysis, major organ transplant, etc. 

Family Floater

  • What do you mean by floater option in ICICI Lombard health insurance plan?

    In a floater option, a single policy under one sum insured covers all the family. It can cover, 2 adults, 2 adults, and 1 child; 1 adult and 2 children; 2 adults and 3 children; 1 adult and 1 child. The sum insured can be used by anyone or all covered under the policy until the time the limit is exhausted.

  • Can I insure more than 2 adults or more than 3 children in my ICICI Lombard health insurance plan?

    There can be a maximum of 2 adults and 3 children in a policy. If the number of adults or number of children is more than 2+3, you need to buy a separate policy for the additional members.

  • Does ICICI Lombard have any family floater health insurance plan?

    Yes, ICICI Lombard offers Complete Health Insurance, which is a complete family health product. The policy covers your entire family in a single Mediclaim policy.

  • Does ICIC Lombard offer free health check-up under its family floater plan?

    Yes, ICICI Lombard provides free health check-up at its designated centers under the family floater plan. 

  • Can I renew the ICICI Lombard family floater policy for a lifetime?

    Yes, you can. ICICI Lombard offers a lifetime renewal facility with no age limit to the policy. You can renew it and keep your family protected. 

  • What are the Floater Benefits of ICICI Lombard?

    There are many benefits: no medical tests for coverage below 46 years of age and the sum insured up to 10 Lakh, an additional 10% increase in the sum insured for every claim free year (maximum 50%), 1 or 2 year policy period, cashless hospitalisation at any network hospitals, etc. 

General Information

  • How do I cancel ICICI Lombard policy?

    You can easily cancel your policy during free-look period, just fill up the form and visit any of the ICICI Lombard branches. Once request is processed, refund of premium amount will be provided after applicable deductions(in any) within 15 days.

  • What is the toll free number of ICICI Lombard General Insurance?

    ICICI Lombard’s toll free number is 1800-2666.

  • What is entry and exit age under ICICI Lombard health insurance plans?

    For individual plan, minimum entry age is 6 years, whereas for floater plan it is 3 months. There is no maximum exit age.

  • Is medical underwriting/medical test mandatory while purchasing ICICI Lombard health insurance? Where can the medical tests be conducted?

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

Help to Buy

  • Why should I buy ICICI Lombard health insurance policy?

    ICICI Lombard Health Insurance is a smart choice to secure yourself and your loved ones against medical contingencies. The plans offered provide comprehensive health coverage along with outpatient department (OPD) benefits, maternity cover and a host of wellness benefits. Also, there are various value added services that enable you to enhance the sum assured, in case of claim-free years.


  • Does ICICI Lombard offer any individual health insurance policy?

    Yes, ICICI Lombard offers health policy for individuals in the name of Personal Protect Policy. This policy covers uncertainties in your life, such as permanent total disablement or death due to an accident.

  • Who will get benefit after the death of the policyholder within the policy period?

    In case of death (due to an accident) of the policyholder within the policy period, ICICI Lombard provides compensation to the nominee mentioned in your policy.

  • Who is eligible for buying an individual health insurance policy at ICICI Lombard?

    Anyone between 18-80 years of age is eligible for buying individual health insurance.

  • Is pre-policy check-up required to own Personal Protect Policy?

    No, you don’t need to go for a pre-policy medical test when purchasing the Personal Protect Policy.


  • Does ICICI Lombard offer any plan for kids/children?

    Yes, ICICI Lombard has a policy for kids/children by the name of  Complete Health Insurance. 

  • My child is 4 months old. Can I buy ICICI Lombard health policy for him?

    Yes, to get a child covered under the ICICI Lombard plan, he/she should be between 3 months and 5 years. 

  • Does ICICI Lombard have any policy wherein only kids are covered?

    No. ICICI Lombard has no such a policy which covers only kids. The insurer has a policy for children, but at least one adult must be covered under the policy. Then, kids will be covered. 

  • Can I cover my child in an individual health plan?

    Yes, if you want your kid to be covered, his/her age should be more than 6 years of age. 

  • Can I cover my child in ICICI Lombard family floater plan?

    Yes, provided that the age of your child is more than 3 months. 


  • Is there maternity coverage in ICICI Lombard health insurance?

    There is add-on maternity cover available under a family floater ICICI Lombard Policy. The cover is available after 36 months of continuous coverage since start of the policy. The benefit is available for you and your spouse provided you both are covered under the same family floater policy.

  • Does ICICI Lombard have any plan that covers maternity expenses?

    Yes, ICICI Lombard offers Maternity Benefit. This is an add-on cover and you can purchase it separately if desired. 

  • What are the benefits of Maternity and New Born Baby Cover offered by the insurance company?

    These covers offer reimbursement facility for all medical expenses incurred in delivery - whether normal or a Caesarean section. The add-on cover of ICICI Lombard also covers hospitalisation or lawful medical termination of pregnancy during the policy period. 


  • I want to buy health insurance for my parents. Does ICICI Lombard have any policy that can cover my parents?

    Yes, Complete Health Insurance is the right option for you. Under this policy, ICICI Lombard can cover your parents’ health.

  • What are the benefits of ICICI Lombard health insurance for parents?

    By getting your parents covered by ICICI Lombard policies, your parents can have a healthy lifestyle during their sunset years. They can enjoy free health check-up, pre and post hospitalisation, cashless treatment, day care procedures, emergency road ambulance, Ayush treatment, and much more. 

  • Does ICICI Lombard cover room charges under its plans for senior citizens?

    Yes, ICICI Lombard provides coverage for room charges. Not only this, but the insurer also covers medical bills, doctor/surgeon’s fee, etc. 

  • Where can I find a list of cashless hospitals for my parents?

    You can find the network hospital links for cashless treatment at the official website of ICICI Lombard. If any doubt, call 1800-1205-698. 

Plan Coverage

  • Is there maternity coverage in ICICI Lombard health insurance?

    There is add-on maternity cover available under a family floater ICICI Lombard Policy. The cover is available after 36 months of continuous coverage since start of the policy. The benefit is available for you and your spouse provided you both are covered under the same family floater policy.

  • Does ICICI Lombard health insurance policy cover accidental death and permanent total disability?

    ICICI Lombard offers the Personal Protect Policy that provides coverage for Accidental Death and Permanent Total Disability (PTD). It also offers coverage for terrorism as well.


  • Can I port my health insurance from another insurer to ICICI Lombard?

    Yes, ICICI Lombard provides you the facility to transfer your policy from any health insurance to ICICI Lombard.

  • When can I port my health insurance policy?

    There are time period when you can enjoy the portability facility. You are allowed to port your existing policy only when the existing policy reaches its renewal.

  • What points should I consider before porting my health insurance policy?

    There are a few things you should watch out such as making sure there is no age restriction for renewal, try to renew such policies at the maximum renewable age possible, make sure whether the exclusions in your existing policy are covered by the insurer you want to switch to. 

  • Should I notify my old insurer whether I am going to port my policy?

    Yes, it is necessary to notify your old insurer whether you are going to shift with the name of insurer in written. Notify at least 45 days before your policy renewal so that your policy can be renewed without a break. 

  • I want to port my policy from other insurance company to ICICI Lombard. What should I consider to make sure I am doing a great job?

    Before porting your health insurance policy with ICICI Lombard, make sure you have read terms and conditions of the ICICI Lombard, especially about the services for medical history, waiting period, sum insured, age, and quality of service. 


  • What affects the health insurance premiums of ICICI Lombard?

    There certain things that affect your premium costs when buying health insurance at ICICI Lombard. These things are, age, location, tobacco use, plan category, pre-existing medical conditions, family history, etc. 

  • How can I pay the premium against my ICICI Lombard health insurance?

    Mainly, there are three ways to pay the premium. You can choose online service, cash option or through cheque. 

  • I have lost premium receipts. Does ICICI issue a duplicate premium receipt?

    Yes, ICICI can provide you with duplicate premium receipts. You can download it online by login your account at ICICI website or call us and we will email you the second copy of the premium receipt. 

  • Is any discount available on premium of ICICI health insurance policy?

    Yes, you can avail discounts in the premium of ICICI health insurance products. 

Senior Citizen

  • Why is health insurance important for Senior Citizens?

    There are several reasons to buy a Senior Citizen health insurance plan. During old age, chances of declining health status, declining income, higher catastrophic expenditure in health events increase. A good senior citizen health insurance product protects you from such issues during your old age. 

  • Is any health insurance plan available for senior citizens at ICICI Lombard?

    Yes, ICICI Lombard offers a Complete Health Insurance Plan, which is suitable for senior citizens. The plan offers benefits to old-aged people along with add-on* covers.

  • Is the cashless facility available for senior citizens?

    Yes, the cashless facility is available for senior citizens. However, this is available on network hospitals of ICICI Lombard. 

  • Are the expenses against pre-natal and postnatal covered?

    Yes, the expenses incurred in prenatal and postnatal are covered up to the defined limit.


  • Is any top-up available at ICICI Lombard?

    Yes, Health Booster by ICICI Lombard is one of the popular super top-ups. You can use it to secure yourself from unexpected health issues and surging medical costs.

  • Why should I buy ICICI Lombard super top-up?

    The super top-up of ICICI Lombard comes with man benefits such as you can get coverage for treatment at home, access to cashless medical care in your city, faster claim sentiment process, enjoy tax benefits and much more.

  • What things to consider when buying ICICI Lombard Top-up?

    When choosing a top-up plan, make sure to consider sufficient benefits, 
    Deductible, coverage, pre-exising disease cover, sub0limits, etc.

  • Does top-up plan of ICICI Lombard cover hospitalisation and inpatient treatment?

    Yes, the top-up of CICI Lombard provide cover for hospitalisation and inpatient treatment. 

ICICI Lombard Health Insurance Plan List

Name of PlanSum Insured
Complete Health InsuranceMin: 3 Months; Max: No Limit5 Lakh Get Quotes Now
Health BoosterMin: 3 Months; Max: No Limit5 Lakh Get Quotes Now
Rishtey Min: 3 Months; Max: 70 Years2 Lakh Get Quotes Now
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Get Quotes Now
Corona Kavach PolicyMin:1 Day; Max: 65 Years50,000 - 5 lakh Get Quotes Now
Corona Rakshak Policy Min: 18 Years; Max: 65 Years50,000 - 2.5 lakh Get Quotes Now

ICICI Lombard Health Insurance Top Up List

Name of PlanSum Insured
Health BoosterMin: 3 Months; Max: No Limit5 Lakh Get Quotes Now

Claim Process at ICICI Lombard Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 1-2 days prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 1-2 days prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

ICICI Lombard Health Insurance User Reviews

What users are saying
  • Good

    Very good policy.

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    Corona Rakshak Policy
    By Ashvajit Bhupal Patil
    On: Aug 26, 2020
  • Good coverage under plan

    Arogya Sanjeevani policy by ICICI Lombard offers me the best coverage features. This include cover for pr...

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    Arogya Sanjeevani Policy
    By Sayani Gupta
    On: Jun 18, 2020
  • Liked the plan very much

    The best thing about ICICI Lombard Arogya Sanjeevani Policy is that it is really easy to understand. Also, the...

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    Arogya Sanjeevani Policy
    By Rishabh Berlia
    On: Jun 16, 2020
  • Supportive staff at InsuranceD...

    There was some issue on my part when I was making online payment for my ICICI Lombard Arogya Sanjeevani Policy...

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    Arogya Sanjeevani Policy
    By Chestha Yadav
    On: Jun 13, 2020
  • I thank the team

    I really thank the team at InsuranceDekho who recommended me and helped me buy ICICI Lombard Arogya Sanjeevani...

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    Arogya Sanjeevani Policy
    By Nishtha Bhatt
    On: Jun 10, 2020
  • Very easy process to buy

    Buying ICICI Lombard Health Insurance from Insurance Dekho was a very easy task. It just took me a few minutes...

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    Arogya Sanjeevani Policy
    By Khushboo Gupta
    On: Jun 04, 2020
  • Magnificent coverage.

    Easy Health Premium has helped me a lot in covering my maternity expenses and newborn baby expenses. The plan ...

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    Easy Health Premium
    By Neeta Gupta
    On: Feb 13, 2020
  • Great plan in all terms.

    I bought this plan for my wife. She and I saved a lot of money with this plan and above all this, we managed t...

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    Easy Health Premium
    By Piyush Rao
    On: Feb 13, 2020
  • Awesome plan.

    This plan is a premium health insurance plan which provides some of the best coverage features and good amount...

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    Easy Health Premium
    By Shantanu
    On: Jan 30, 2020
  • Ideal policy

    When it comes to finding an ideal plan, anyone would opt for this. I wanted the best plan in the market and I ...

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    Easy Health Premium
    By Gaurav Aggarwal
    On: Jan 30, 2020

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