ICICI Lombard Health Insurance

While buying ICICI Lombard health insurance plans, you should be aware of the factors that determine the premiums. This will help you make an informed decision. Read about these factors below:

• Age: Age is an important factor that affects the ICICI Lombard health insurance premium. If you are young, you are more likely to stay fit and healthy and hence pay lesser health insurance premiums. But in case you plan to buy health insurance during a later stage in life, then your premiums will certainly be high as then you will be more vulnerable to illness and diseases.
• Pre-Existing Diseases: You have to undergo a medical test before purchasing ICICI Lombard health insurance policies where you will declare if you have any pre-existing diseases like asthma, diabetes, etc. In case you have it, then you will be required to pay a higher premium amount as you will be more likely to make a claim under your health insurance plan.
• Sum Insured Amount: Higher the sum insured amount, higher your health insurance coverage, and hence higher your insurance premium will be. So, choose your sum insured wisely but don’t go for so less that you are not even able to make the best use of your plan when in need.
• Profession: Yes, your profession affects your health insurance premium amount. You cannot be denied health insurance coverage on the basis of your occupation but the premium amount will increase or decrease accordingly. For instance, you will have to pay a higher premium amount if you are a stuntman/woman, a firefighter, or in armed forces due to the risk involved.
• Lifestyle Habits: Lifestyle habits such as smoking, drinking, etc. affect your health and hence your health insurance premium. As these habits are highly injurious to health, you will have a higher probability of seeking medical treatment for the same and therefore, will be required to pay a higher premium for the same.

ICICI Health Insurance is a popular choice for many when it comes to buying health insurance plans. The following makes ICICI mediclaim insurance a preferred choice among buyers:

• Wide Network of Hospitals: ICICI Lombard Health Insurance Company has tie-up with more than 7,500 network hospitals where you can enjoy cashless as well as reimbursement treatment. You can also check the details of ICICI Lombard hospital list on the website.
• Impressive Claim Settlement Ratio: With an impressive Claim Settlement Ratio of 93.10%, ICICI Lombard General Insurance is one of the most preferred choices of customers.
• Cashless Claim Settlement Within 4 Hours: ICICI Bank health insurance claims to settle claims within 4 hours, thereby keeping you stress-free.
• ICICI Lombard Wellness Program: ICICI Lombard Health Insurance offers you a wellness program, under which you can enjoy various services. These include online HRA (tool to evaluate your health status and quality of life), Disease Management services (DMS), Medical concierge services, and free health check-ups.

A network hospital is a hospital that a health insurance company has a tie-up with for mutual benefits. The policyholders can avail treatment at these hospitals without any hassle. ICICI Lombard Health Insurance has more than 7,500 network hospitals that offer you the best quality treatment. You can avail of cashless as well as reimbursement facility without any worry at ICICI Lombard network hospitals. To search for ICICI Lombard network hospitals in your vicinity, you can explore the company's official website.

Claim Settlement Ratio (CSR) is the ratio of claims settled by a health insurance company against the total number of claims admitted. CSR is one of the most important factors while selecting a health insurance company. It reflects how well the company settles claims.

ICICI Lombard Health Insurance has been consistent with a good Claim Settlement Ratio and hence is a promising insurance provider. It has a claim settlement ratio of 93.10% which indicates its efficiency in settling claims.

The following benefits make health insurance plans offered by ICICI Lombard General Insurance a smart choice for insuring your health:

• 100% Sum Insured Reset Feature: ICICI Lombard health insurance plans reset up to 100% of the base sum insured during a policy term if the sum insured is insufficient because of claims made previously during the year. This benefit can be once during a policy term.
• Free Value-Added Services: ICICI Lombard health insurance plans offer you free value-added services including specialist e-consultation, online chat with the doctors, health check-up, consultation on speech, audiology, and physiotherapy.
• Lifetime Renewability: There is no restriction on the age of the policyholder at the time of policy renewal under ICICI Lombard health insurance plans, this means, you can enjoy lifetime renewability benefit.
• Rewards For Health Habits: ICICI Lombard health insurance plans offer you rewards in the form of wellness points for following healthy habits. You can redeem these points later as per the terms and conditions. With wellness discounts, you can save on health insurance premiums.

Add-ons Available with ICICI Lombard Health Insurance Plans

Listed below are some of the add-ons you can include in your ICICI Lombard health insurance plan:

• Critical Illness Cover: This add-on provides coverage for critical illnesses such as open chest surgery, heart attack, kidney failure, and a few more.
• Hospital Cash Cover: This cover provides daily cash benefits to ensure coverage for your stay in the hospital.
• Donor Expense Cover: Depending on policy terms and conditions, you will also get coverage for organ donor expenses.
• Convalescence Benefit Cover: The Convalescence benefit cover provides a specified amount of money in case you are hospitalised for consecutive days.

ICICI Lombard health insurance plans cover you against the following healthcare expenses:

• In-Patient Hospitalisation Expenses: ICICI Lombard health insurance plans cover you against the hospitalisation expenses incurred during your stay at the hospital for more than 24 hours. These include expenses for nursing, boarding, room rent, ICU/ICCU, blood, oxygen, etc.
• Pre-hospitalisation And Post-Hospitalisation Expenses: If covered under ICICI Lombard health insurance plans, you won’t have to pay for pre-hospitalisation and post-hospitalisation expenses incurred for a specific number of days that vary from plan to plan.
• AYUSH Treatment: ICICI Lombard health insurance plans cover you against AYUSH systems of medicines. These include Ayurveda, Unani, Siddha, and Homeopathy. You can avail of these treatments at any government hospital or government recognised institutes up to sum insured limit.
• Daycare Treatment: Daycare treatments are those for which hospitalisation of at least 24 hours is not required. For instance, cataract, tonsillectomy, sinusitis, lithotripsy, etc. ICICI Lombard health insurance plans cover around 150 such daycare treatments.
• Road Ambulance Expenses: ICICI Lombard health insurance plans offer reimbursement for the expenses incurred on road ambulance offered by a hospital or ambulance service provider in case of an emergency.

What Are The Exclusions of ICICI Lombard Health Insurance Policy?

ICICI Lombard health insurance plans do not cover you against the following expenses:

• Experimental Or Unproven Treatments: Any treatment which is done solely for the purpose of experiment, investigation, or is unproven, is not covered under ICICI Lombard health insurance plans.
• Injuries Occurred Due To Participation In Adventure Sports: ICICI Lombard does not pay for any expenses incurred on injuries that occurred due to participation in adventure sports. For instance, paragliding, water sports, and many more.
• Dental Treatment: ICICI Lombard health insurance plans do not cover you against any dental treatment or surgery if not necessitated due to an injury.
• Treatment For Obesity: Weight management treatment and services and supplies are not covered under ICICI Lombard health insurance plans. These also include treatment for obesity (including morbid obesity).
• Treatment Taken Outside India: ICICI Lombard health insurance plans do not cover you for any treatment received outside the geographical boundaries of India.

Inclusions and exclusions listed above may vary with different health insurance plans offered by ICICI Lombard General Insurance.

ICICI Lombard health insurance plans can be purchased online as well as offline in a few simple steps. Read them below:

Buy ICICI Lombard Health Insurance Plan Online at InsuranceDekho

Step 1: Visit insurancedekho.com and click on the ‘health’ tab.
Step 2: Select Gender. Enter your Name and a valid Mobile number. You will receive One Time Password or OTP on the entered mobile number. Kindly enter the same.
Step 3: Select from the drop-down menu that ‘When do you want to buy the policy’. Click on the ‘View Quotes’ button.
Step 4: Select the family members you want to get insured. Click ‘Continue’.
Step 5: Select the age of the family members you want to get insured.
Step 6: Enter your email ID and City. Click ‘Submit and View Quotes’ to see the most relevant health insurance plans for you. Click on the one you want to purchase.
Step 7: Select the term of the shortlisted policy. Enter the required details. Make a payment.

Buy ICICI Lombard Health Insurance Plan Offline at InsuranceDekho

Buying ICICI Lombard health insurance offline from InsuranceDekho is even easier. You just need to call on the toll-free number 7551-196-989 any day between 9:30 AM to 6:30 PM. We are available all 7 days.
You may even write to us at customersupport@insurancedekho.com in case of any assistance required.

Renewing your health insurance plan is as important as buying it is. To renew your ICICI Lombard health insurance plans, follow the easy steps listed below:

Step 1: Visit the official website of ICICI Lombard General Insurance and navigate to the health insurance policy renewal page.
Step 2: Enter your details like mobile number and Email ID.
Step 3: Click on the ‘Renew Now’ tab.
Step 4: Check policy details and premium to be paid on renewal.
Step 5: Pay online via one of the payment modes available (credit card, net banking, etc.)
Your policy has been renewed successfully. You can download and take out a print of your policy from the official website of ICICI Lombard General Insurance.