Check ICICI Lombard Health Care Policy Details
Updated On Nov 15, 2023
ICICI Lombard Health Insurance is a prominent name in the Indian insurance industry, offering comprehensive health coverage to individuals and families. The company strongly focuses on customer’s well-being and provides various health insurance plans designed to cater to various healthcare needs. Their policies include cashless hospitalization, coverage for pre-existing conditions, and extensive network hospitals for easy accessibility. ICICI Lombard prioritizes customer convenience through online policy purchases and quick claim settlements. Read on to learn more about ICICI Lombard health insurance.
Table of Contents
- About ICICI Lombard Health Insurance
- A List of ICICI Lombard Health Insurance Plans
- Why Should You Buy Health Insurance with ICICI Lombard?
- Take Away
About ICICI Lombard Health Insurance
ICICI Lombard health insurance plans provide coverage for medical expenses incurred if the policyholder meets a health emergency. The company offers a variety of health insurance plans such as family health insurance, individual health insurance, senior citizen health insurance, women's health insurance plans, etc, so that the different health insurance needs of policyholders are easily met. ICICI Lombard health insurance plans also offer tax benefits under section 80D of the Income Tax Act, 1961
A List of ICICI Lombard Health Insurance Plans
Listed below are some of the popular health insurance plans that ICICI Lombard offers:
ICICI Health AdvantEdge
The ICICI Health AdvantEdge is a comprehensive health insurance policy that caters to policyholders’ health insurance needs at all stages of life. This plan offers multiple benefits such as maternity cover, sum insured protector, co-payment, teleconsultations, etc. The ICICI Lombard Health AdvantEdge plan is available on both individual and family floater basis. Moreover, the minimum age required to buy this plan is 18 years and the maximum entry age is 65 years. You can also enhance the plan benefits by including different riders such as critical illness cover, hospital cash cover, befit cover, and a lot more.
ICICI Lombard Max Protect
The ICICI Lombard Max Protect is a type of 1 crore health insurance policy. This means it has a sum insured of Rs. 1 crore and thus covers medical expenses to a large extent. In addition to the basic coverage like pre and post-hospitalisation, day care procedures, and others, this plan also includes coverage for worldwide medical treatment. The ICICI Lombard Max Protect has become one of the most-opted plans because it has high coverage at affordable premiums and even offers discounts such as multi-year policy, renewal discounts, etc to save on health insurance premiums.
ICICI Lombard Health Booster
Another popular health insurance plan that ICICI Lombard offers is the ICICI Lombard Health Booster. This is a super top-up plan that basically provides coverage when your basic sum insured shorts fall and you require more coverage. The sum insured option available in the ICICI Lombard Health Insurance plans ranges between Rs. 5 lakhs to Rs. 50 lakhs. Moreover, this healthcare plan also comes with a lifelong renewability feature.
ICICI Lombard Aarogya Sanjeevani
The ICICI Lombard Aarogya Sanjeevani is a family health insurance plan that secures the healthcare needs of your family at very affordable premiums. It can also be bought as an individual health insurance plan and has the flexibility to choose a sum insured between Rs. 1 lakh to Rs. 5 lakhs. Some of the benefits of buying the ICICI Lombard Aarogya Sanjeevani health insurance plan are cashless treatment, lifelong renewability benefits, AYUSH treatment, cataract treatment, daycare procedures, and a lot more.
ICICI Saral Suraksha Bima Health Insurance
The ICICI Saral Suraksha Bima Health Insurance is a type of insurance policy that provides coverage for both accidental death and disablement. It is basically a personal accident policy that ensures that you are protected in case an unexpected accident takes place. This plan provides coverage for both permanent and temporary disability. The minimum entry age to the ICICI Saral Suraksha Bima Health Insurance is 18 years and the maximum entry age is 70 years. You can also get additional coverage by paying an extra premium and getting the benefits of add-ons like education grants, hospitalisation expenses due to accidents, and a few more.
ICICI Lombard Golden Shield Health Insurance
The ICICI Lombard Golden Shield Health Insurance is a plan that is specially designed for senior citizens. A plan like this becomes important because the chances of getting ill during old age are high. The ICICI Lombard Golden Shield plan automatically restores the sum insured in case it gets exhausted. Some of the inclusions of this plan are pre and post hopitalisation expenses, cashless treatment, annual health check-ups, AYUSH treatment, and a lot more.
Why Should You Buy Health Insurance with ICICI Lombard?
As of now, there are a number of health insurance companies offering health insurance plans which makes it difficult to choose the right insurance company. Listed below are some of the reasons why you should buy health insurance with ICICI Lombard:
Network hospitals play a pivotal role in health insurance. These are medical facilities with which an insurance provider has a tie-up, allowing policyholders to avail of cashless treatments. When policyholders receive medical care at these network hospitals, the insurance company directly settles the bills, sparing the insured the financial burden. ICICI Lombard has tie-ups with over 7,500 network hospitals, enhancing accessibility to quality healthcare. Choosing network hospitals is a wise decision as it simplifies the claims process and offers peace of mind during medical emergencies.
Claim Settlement Ratio
Claim settlement ratio in health insurance refers to the insurer’s efficiency in settling health insurance claims. It is ideal to choose a company that has a high claim settlement ratio and ICICI Lombard has a CSR of 99.70%. This means that when you buy health insurance plans with ICICI Lombard, your claim request will be settled quickly.
ICICI Lombard also rewards policyholders with additional benefits for staying fit. With wellness benefits, ICICI Lombard policyholders can thus save on their health insurance premiums. For fit policyholders, rewards are given on the basis of which health insurance discounts are then offered.
When you buy ICICI Lombard health insurance plans, you can also include a number of add-ons in your plan. You will have to additional amount to include these add-ons and get additional coverage. Some of the add-ons available are hospi cash cover, maternity cover, etc.
Thus, if you are planning to buy a health insurance plan, then ICICI Lombard can be on your list. This is because the insurer offers a bunch of benefits and flexibility so that policyholders can get a health insurance plan that best suits their needs.
- Can I get family health insurance plans with ICICI Lombard?
Yes, family health insurance plans are available with ICICI Lombard.
- What is the claim settlement ratio of ICICI Lombard?
The claim settlement ratio of ICICI Lombard health insurance is 99.70%.
- What are some of the popular health insurance plans offered by ICICI Lombard?
Some of the popular health insurance plans that ICICI Lombard offers include Health AdvantEdge, Max Protect, Health Booster, etc.
- How many network hospitals are tied up with ICICI Lombard?
ICICI Lombard has tie-ups with over 7,500 network hospitals.