Question 1

What are ICICI Lombard’s complaints per 10,000 claims?

Accepted Answer

Complaints per 10,000 claims are within IRDAI-accepted benchmarks, highlighting effective complaint resolution practices.

Question 2

What is ICICI Lombard's current Claim Settlement Ratio (CSR)?

Accepted Answer

ICICI Lombard has a Claim Settlement Ratio of 97.16%, reflecting efficient claims handling and reliable support for customers during medical emergencies.

Question 3

What is the Solvency Ratio of ICICI Lombard Health Insurance?

Accepted Answer

ICICI Lombard maintains a solvency ratio of 2.69, significantly above IRDAI’s minimum requirement, showcasing strong financial stability and uninterrupted claim-paying ability.

Question 4

What is ICICI Lombard’s Incurred Claims Ratio (ICR)?

Accepted Answer

ICICI Lombard maintains a healthy incurred claims ratio, ensuring financial sustainability while continuing to settle claims efficiently.

Question 5

What has been the recent trend in ICICI Lombard’s CSR?

Accepted Answer

ICICI Lombard has consistently maintained a high CSR over recent years, reflecting reliable and timely claim settlements.

Question 6

Where does ICICI Lombard rank among insurers on IRDAI parameters?

Accepted Answer

ICICI Lombard ranks among top insurers based on claim efficiency, financial strength, hospital network, and customer-centric products.

Question 7

Is ICICI Lombard expanding its hospital network?

Accepted Answer

Yes, ICICI Lombard continues to add hospitals to its cashless network, improving accessibility every year.

Question 8

Is ICICI Lombard’s solvency ratio above the industry average?

Accepted Answer

Yes, ICICI Lombard’s solvency ratio is higher than the industry average, reflecting strong financial discipline.

Question 9

What do IRDAI reports say about ICICI Lombard’s financial stability?

Accepted Answer

IRDAI reports highlight ICICI Lombard’s strong capital base, regulatory compliance, and consistent claims performance.

Question 10

How many claims has ICICI Lombard processed?

Accepted Answer

ICICI Lombard has processed 15 lakh+ claims, demonstrating extensive experience and strong policyholder trust.

Question 11

How is the cashless claim experience with ICICI Lombard?

Accepted Answer

Cashless claims are handled efficiently with good coordination, ensuring smooth hospital admissions during emergencies.

Question 12

How does ICICI Lombard’s premium growth compare with competitors?

Accepted Answer

ICICI Lombard shows steady premium growth due to innovative products, strong brand value, and effective distribution channels.

Question 13

Who is the regulatory body for ICICI Lombard Health Insurance in India?

Accepted Answer

ICICI Lombard Health Insurance is regulated by IRDAI, which ensures financial discipline, fair claim practices, and strong customer protection across India.

Question 14

For how long has ICICI Lombard been functioning in the insurance sector?

Accepted Answer

ICICI Lombard has been operating in India for over two decades, building trust through secure insurance solutions supported by strong financial expertise.

Question 15

How does ICICI Lombard compare with other major insurers?

Accepted Answer

ICICI Lombard stands out due to its high CSR, wide hospital network, quick claim settlements, strong digital services, and dependable 24×7 customer support.

Question 16

How is the premium calculated for ICICI Lombard health plans?

Accepted Answer

Premiums depend on age, sum insured, plan type, tenure, deductibles, and add-ons, which can be estimated using online premium calculators.

Question 17

Are major corporate hospitals part of ICICI Lombard’s network?

Accepted Answer

Yes, most major corporate and multi-specialty hospitals are included, though availability may vary depending on city and location.

Question 18

What is a family floater plan in ICICI Lombard?

Accepted Answer

A family floater plan covers multiple family members under a single shared sum insured, offering cost-effective and flexible coverage.

Question 19

Is overseas medical treatment covered by ICICI Lombard?

Accepted Answer

Overseas medical treatment is generally not covered unless specifically mentioned in the policy as part of international treatment benefits.

Question 20

Is ICICI Lombard health insurance valid across India?

Accepted Answer

Yes, ICICI Lombard health insurance provides nationwide coverage with access to a large cashless hospital network across India.

Question 21

What is the difference between base cover and add-ons?

Accepted Answer

Base cover includes essential hospitalisation costs, while add-ons enhance coverage with benefits like restoration, maternity, or critical illness cover.

Question 22

Does ICICI Lombard offer free annual health check-ups?

Accepted Answer

Yes, select ICICI Lombard plans include free annual preventive health check-ups after completion of the required policy tenure.

Question 23

What is the minimum solvency ratio prescribed by IRDAI?

Accepted Answer

IRDAI mandates insurers to maintain a minimum solvency ratio of 1.5 to ensure financial stability.

Question 24

How can I check ICICI Lombard’s IRDAI license?

Accepted Answer

ICICI Lombard’s IRDAI registration and license details can be verified on the official IRDAI website.

Question 25

What is ICICI Lombard’s Gross Written Premium (GWP)?

Accepted Answer

ICICI Lombard’s GWP is reported in IRDAI publications, reflecting its strong market presence and steady business growth.

Question 26

Does ICICI Lombard follow IRDAI waiting period guidelines?

Accepted Answer

Yes, ICICI Lombard strictly adheres to IRDAI guidelines for waiting periods related to pre-existing diseases and maternity benefits.

Question 27

What awards has ICICI Lombard received?

Accepted Answer

ICICI Lombard has received multiple awards for innovation, service excellence, and leadership in the health insurance sector.

Question 28

How many branches does ICICI Lombard operate in India?

Accepted Answer

ICICI Lombard has a widespread branch presence across India, complemented by strong digital service platforms.

Question 29

What is ICICI Lombard’s customer complaint ratio?

Accepted Answer

ICICI Lombard maintains a relatively low complaint ratio, indicating efficient grievance handling and high customer satisfaction.

Question 30

Is ICICI Lombard authorised to sell standalone health insurance?

Accepted Answer

Yes, ICICI Lombard is authorised to sell standalone health insurance products including individual, family floater, and super top-up plans.

Question 31

What digital services does ICICI Lombard offer?

Accepted Answer

ICICI Lombard offers digital services for policy issuance, renewal, claims tracking, document downloads, and hospital search via its app and website.

Question 32

How does ICICI Lombard handle policy renewals as per IRDAI norms?

Accepted Answer

Renewals are managed smoothly with reminders, grace periods, and continuity benefits, fully aligned with IRDAI regulations.

Question 33

How does ICICI Lombard handle grievances as per IRDAI guidelines?

Accepted Answer

ICICI Lombard follows IRDAI-prescribed grievance redressal processes with defined escalation levels and resolution timelines.

Question 34

Are ICICI Lombard plans available with maternity and newborn coverage?

Accepted Answer

Yes, ICICI Lombard offers maternity and newborn coverage under select plans, subject to specified waiting periods as mentioned in policy terms.

Question 35

Are there health insurance plans specifically for senior citizens?

Accepted Answer

ICICI Lombard offers senior citizen plans with higher entry age limits, focusing on hospitalisation coverage tailored to age-related healthcare needs.

Question 36

Are pre-existing diseases covered under ICICI Lombard plans?

Accepted Answer

Pre-existing diseases are covered after completion of the waiting period, provided full and accurate disclosure is made at the time of policy purchase.

Question 37

Does ICICI Lombard provide cashless hospitalisation?

Accepted Answer

Yes, ICICI Lombard provides cashless hospitalisation, allowing treatment at network hospitals without paying upfront hospitalisation expenses.

Question 38

How many network hospitals does ICICI Lombard have?

Accepted Answer

ICICI Lombard has a wide network of 10,600+ hospitals, offering cashless treatment across major cities as well as smaller towns.

Question 39

How can I check if my hospital is part of ICICI Lombard’s network?

Accepted Answer

Network hospital availability can be checked easily via ICICI Lombard’s website, mobile app, or by contacting 24×7 customer support.

Question 40

How quickly does ICICI Lombard settle cashless claims?

Accepted Answer

ICICI Lombard processes cashless claims quickly, ensuring smooth approvals for both planned treatments and emergency hospitalisations.

Question 41

How do I make a post-hospitalisation claim with ICICI Lombard?

Accepted Answer

Submit the reimbursement claim form along with medical bills, discharge summary, prescriptions, and reports within the policy-defined timeline.

Question 42

What should I do if my ICICI Lombard claim is rejected?

Accepted Answer

You may seek clarification, submit additional documents, or escalate the matter through ICICI Lombard’s grievance redressal mechanism.

Question 43

Will ICICI Lombard pay my entire hospital bill under cashless claims?

Accepted Answer

ICICI Lombard pays eligible medical expenses under cashless claims, while non-medical or excluded expenses must be borne by the policyholder.

Question 44

What details are required while intimating a claim?

Accepted Answer

You must provide the policy number, patient details, diagnosis, hospital name, and admission date when intimating a claim.

Question 45

What is the time limit for submitting reimbursement claims?

Accepted Answer

Reimbursement claims must generally be submitted within 30 days from the date of hospital discharge, as specified in policy terms.

Question 46

How can I check my ICICI Lombard claim status?

Accepted Answer

Claim status can be tracked through ICICI Lombard’s website, mobile app, or by contacting their 24×7 customer support team.

Question 47

Can I make multiple claims in one policy year?

Accepted Answer

Yes, multiple claims can be made during a policy year until the sum insured and applicable sub-limits are exhausted.

Question 48

How long does ICICI Lombard take to settle reimbursement claims?

Accepted Answer

Reimbursement claims are typically settled within a few working days after document verification.

Question 49

Does ICICI Lombard cover OPD expenses like doctor consultations?

Accepted Answer

OPD expenses are generally excluded, though select plans may offer limited OPD benefits under specific conditions.

Question 50

How do I port my existing policy to ICICI Lombard?

Accepted Answer

You can port your existing policy to ICICI Lombard at renewal while retaining waiting period benefits, as per IRDAI portability guidelines.

Cashless Network Hospitals in Kadapa

Because when you’re in a hospital bed or filling out forms at 2 am, You don’t need a helpline - you need humans who’ll stay till it’s sorted.

Because when you’re in a hospital bed or filling out forms at 2 am, You don’t need a helpline - you need humans who’ll stay till it’s sorted.

Network Hospitals by other insurers in Kadapa

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You stay client-facing. We take the operational weight.

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