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Factors To Consider Before Buying ICICI Lombard Health Insurance Plans

Published On Jun 18, 2021 11:00 AM By InsuranceDekho

Buying a health insurance policy is an effective way to wisely invest your money and enjoy health benefits in return. Before buying a health insurance policy for yourself or your family, you must consider various plans from different companies and compare them. ICICI Lombard Health Insurance Plans are comprehensive and customer-friendly. These plans have been designed to meet the demands of the customers of different sections. ICICI Lombard Health Insurance has a good number of network hospitals and a better claim ratio. 

ICICI Lombard General Insurance company is one of the leading companies in the private sector insurance firms. This company has won numerous awards for its customer-centric approach and perfectly customized plans. The health insurance plans by ICICI Lombard Health Insurance offer attractive top-up plans and cater to the needs of its policyholders. 

About ICICI Lombard Health Insurance

ICICI Lombard Health Insurance is a part of ICICI Lombard General Insurance company which is a tie-up between ICICI Bank Limited and Canada-based Fairfax Financial Holdings Limited. Benefits of ICICI Lombard Health Insurance can be availed to meet the expenses of hospitalization either by reimbursement or through direct payments to the linked hospitals. Let us look at some of the features of ICICI Lombard Health Insurance: 

  • The insurer has a network of 5,025+ hospitals to provide cashless treatment to its customers. 
  • The claim settlement ratio of ICICI Lombard Health Insurance was 78.67% in FY 2019-20. 
  • It offers the lifelong renewability of policies to its customers.

Factors To Consider Before Buying ICICI Lombard Health Insurance Plans

Why Choose ICICI Lombard Health Insurance?

ICICI Lombard Health Insurance being a leading firm in the insurance market is a trustworthy and preferred choice among the insurers. The following reasons justify the reason to choose ICICI Lombard Health Insurance:

  • The company has a wide network of linked hospitals, which makes it easier for its policyholders to avail cashless treatment. 
  • It has an impressive claim settlement ratio and settles claims within 4-5 hours, without much documentation and effort. 
  • ICICI Lombard Health Insurance offers wellness programs. Under this program, various services like disease management, free health check-up, and medical concierge services are offered. 

Benefits of ICICI Lombard Health Insurance Plans

Provided the perks of being a policyholder of ICICI Lombard Health Insurance company, its policies also offer a wide range of services and benefits to its customers. Here are some of the benefits of purchasing an ICICI Lombard Health Insurance policy: 

  • Due to previously made claims, if the sum assured is insufficient, you can reset 100% of the sum insured in your policy. This benefit can be availed once in a policy term. 
  • There are no restrictions on the entry age of the insured. You can buy the policy at any time of your life. 
  • Certain free value-added services like online consultation from doctors, health check-ups, audiology, and physiotherapy are made available to its customers. 
  • A policyholder can get access to lifelong renewability of the policies at ICICI Lombard Health Insurance. 
  • ICICI Lombard Health Insurance offers you reward points for your healthy habits, which can be redeemed later as per the T&Cs. this initiative encourages people to stay healthy.

Types of ICICI Lombard Health Insurance Covers

ICICI Lombard Health Insurance offers different types of health insurance covers. The three standard types of health insurance policies offered are:

  1. ICICI Lombard Personal Protect Insurance 
  2. ICICI Lombard Healthcare Plus Insurance
  3. ICICI Lombard Complete Health Insurance  

You can get the specification of the above policies on the official website of ICICI Lombard Health Insurance and compare these plans to choose the best-suited one for yourself or your family.

Also Read: Best ICICI Lombard Health Insurance Plans to Buy in 2021

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You can either visit the official website online or approach the company branches to purchase a health insurance policy from ICICI Lombard Health Insurance. Make sure that you go through the policy-related documents carefully and know enough about the claim settlement process of the company. You can get the list of network hospitals of the health insurance company on their official website to get a cashless treatment facility. 

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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