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 ICICI Lombard Health Insurance

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ICICI Lombard Health Insurance

ICICI Lombard Health Insurance provides coverage for costs associated with receiving medical care for most diseases or injuries. An excellent health insurance provider to cover all of your medical needs. With coverage for hospitalisation, childcare operations, medical care at home (domiciliary hospitalisation), ambulance costs, pre and post-hospitalization, and more, ICICI Lombard Health Insurance plans offer comprehensive protection for you.

About ICICI Lombard Health Insurance

ICICI Lombard General Insurance's network includes more than 6,500 hospitals. The customer service team is readily available 24 hours a day via call and chat support, so customers may get assistance from them fast. Customers can quickly intimate claims through the IL Take Care app at the same time. To guarantee that all claims are paid promptly and without causing the customer any difficulty, ICICI Lombard maintains an internal claim settlement team. With 273 branches, ICICI Lombard is present all throughout the nation.

Why Should You Opt for ICICI Lombard Health Insurance?

Cashless Procedure: Cashless claims are settled quickly and easily, usually in less than four hours after the claim is registered. Claims for reimbursement are resolved in 14 days.

 

Lifelong Renewability: This feature guarantees that you'll be qualified for health insurance anytime you need it. Up to a 100% Reset Sum Insurance: On claims filed during the same policy year, the pre-determined sum insured is restored once, up to a maximum of 100%. For illnesses and injuries unrelated to the claim that has already been paid for, the reset sum insured is applicable.

 

Alternative Medical Medicines: Costs associated with alternative treatments such as Ayurveda, Unani, Siddha, and Homeopathy (AYUSH) treatments received at government hospitals, hospitals that have been granted authorization by the government, or facilities that are recognized by the Quality Council of India.

 

Additional Coverages: These coverage benefits can be added on top of the standard plan, depending on the specific requirements of policyholders. Examples include preventative healthcare coverage, maternity and newborn baby coverage, and others.

 

Value-added Services: These include free health checks, consultations with specialised medical professionals, and other services.

 

Tax Benefit: Section 80D of the Income Tax Act of 1961 allows for tax advantages to be claimed on annual premium payments made for health insurance policies.

Benefits of ICICI Lombard Insurance Plans

Customer service is one of the many things that ICICI Lombard is steadfastly committed to providing.

 

Incurred Claim Ratio: As of 2020-21, ICICI Lombard has an incurred claim ratio of 78% over 76.51% of the year 2018-19.

 

Technologically Sound: The business is well-known for being technologically advanced and has also won the 2014 Asia Insurance Technology Award for "Best Mobile Application."

Checklist before Buying ICICI Lombard Health Insurance

Effectiveness of the Coverage Provided

Health plans are created to satisfy the various demands and financial goals of their clients regardless of age, gender, etc. It is sometimes advised against choosing a health plan that covers the entire family and instead advises choosing one that covers each family member separately. Purchasing a plan that covers each member of the family separately can end up being more expensive overall. On the other hand, a family plan might not provide enough coverage for the whole family. Therefore, before committing to your plan, it is crucial that you verify the covered amount.

 

Exclusions from Coverage: 

 

Always pay close attention to the procedures, examinations, or diseases that your coverage does not cover. If you don't, you could find yourself footing a hefty charge after the procedure or paying for a therapy that is already covered.

 

Pre-existing Conditions: 

 

Pre-existing condition insurance requires a waiting time of at least a few years. So that you may make an informed decision, don't forget to verify the waiting period for the pre-existing condition you wish to be covered.

 

Network Hospitals: 

 

Verify that the names on the list of ICICI Lombard Network Hospitals correspond to those in your area or those you choose. Additionally, you will be able to benefit from cashless payments as a result, making hospitalisation simple.

 

Reimbursement Capping:

 

While making a decision, look into any applicable hospital daily cash restrictions, hospital room rent, and other related information.

Insurance Company Incurred Claim Ratio: 

An insurance company's incurred claim ratio reveals how effectively it handles claims. If you make a claim in the future, knowing your chances of having it resolved quickly will help you prepare for it. Before you buy a plan, familiarise yourself with the insurer's incurred claim ratio.

How to purchase ICICI Health Insurance at OneAssure

Book an appointment from our website www.oneassure.in and talk to our partner 

  1. Express your insurance needs, location, lifestyle details, and concerns if any

  2. Our partners will suggest a few curated plans for you

  3. You consult them on which one you should pick up

  4. Payment and registration

  5. Bam! Your lifetime insurance partner does the rest for you!

Types of ICICI Lombard Health Insurance cover

Consult your OneAssure partner at www.oneassure.in to get insights on the following plans offered. 

 

  1. ICICI Smart Super Health 

  2. ICICI Health AdvantEdge Royal & Apex

  3. ICICI Health Booster (Super top-up)

ICICI Lombard Health Insurance Renewal Process

In order to renew your ICICI health insurance, follow the steps mentioned below: 

 

  1. Visit the ICICI Lombard Health Insurance Company's website.

  2. Mention your date of birth and the name of your insurance provider's health plan.

  3. Press the "Proceed" button.

  4. Complete your online payment using one of the offered payment methods.

  5. You will receive a renewal certificate at the email address you have provided to ICICI Lombard Health Insurance.

ICICI Lombard Health Insurance Tax Benefits

Section 80D of the Income Tax Act provides tax deductions for medical expenditures made for the self and the family which can go from Rs.50,000 to Rs. 1,00,000.

Scenario
Medical insurance premium paid for Self, spouse and dependent children
Total deduction under IT Act Section 80D
Medical insurance premium paid forParents
Your parents & you < 60 years of age.
₹25,000
₹50,000
₹25,000
If both, you and your parents, are > 60 years of age.
₹50,000
₹1,00,000
₹50,000
If you and your family are < 60 years of age and your parents are > 60 years of age
₹25,000
₹75,000
₹50,000

ICICI Lombard Health Insurance Premium Calculation

You may determine the premium required for health insurance by using contacting our partner at www.oneassure.in. Simply input, our partners use your personal information and get quotes generated on oneassure partner app. They select the required coverage or sum assured, and the premium will be directly impacted. The cost of the health insurance policy increases with the level of coverage chosen.

Network Hospitals of ICICI Lombard General Insurance

With ICICI, you can access 6500+ network hospitals across India. For the complete list visit www.oneassure.in and scroll to the bottom. Through Network hospitals, you can avail yourself cashless claim settlement. In other words, you don't pay a single rupee from your pocket for medical bills.

Claim Process for ICICI Lombard Health Insurance Policy

If you are admitted to the hospital, you should contact your insurance provider at once to begin the claim procedure. Both cashless and reimbursement claims are possible. Let's take a look at the procedure:

  1. Submit the correctly filled in claim form after informing the insurance provider via the website or toll-free line.

  2. The hospital will verify and then deliver to the insurance company the required documentation that you have submitted.

  3. If you are admitted to a network hospital, the insurance company will pay the hospital immediately as part of the cashless claim payment after verification.

  4. If you are unable to be admitted to a network hospital or if your claim for cashless payment is denied for whatever reason, you will be entitled to payment under the reimbursement process

  5. For reimbursement, you will pay the hospital upon being discharged. However, you will be reimbursed after submitting the documentation and bill to the insurer.

Documents required to buy ICICI Lombard Health Insurance

You will need proof of identity such as Aadhar, PAN card, Driving license etc, proof of address and diagnostic medical tests if asked by ICICI

Documents required to claim ICICI Lombard Health Insurance

You should have specific paperwork on hand when filing maternity insurance claims to ensure a smooth process. The following are some of the documentation needed to file a claim, though the list varies by company.

 

  1. Duly filled claim form

  2. Policy documents

  3. Admission advice

  4. Discharge summary

  5. Fitness certificate

  6. KYC documents

  7. Consultation bill

  8. Original hospital bill

  9. Pharmacy bills

Documents Required in case of personal accident cover 

In the event of death

  1. Policy copy

  2. Claim form, properly completed and signed. The nominee must complete and sign the form.

  3. If necessary, certified copies of the F.I.R., death certificates, or inquest Panchnama

  4. If necessary, certified copies of the autopsy report

  5. Spot Panchnama certified copies, where applicable.

  6. any additional material that the ICICI Lombard Company requests.

Documents Required in case of personal accident cover

Permanent Disability

  1. Copy of the ICICI Lombard Health Insurance policy issued

  2. Claim form, properly completed and signed. The insured must complete and sign the form.

  3. Disability certificate from a district-authorized doctor that includes the percentage of disability.

  4. If necessary, certified copies of the Panchnama or the F.I.R.

  5. A recent snapshot of the customer demonstrates his disability.

  6. Original hospitalization-related bills, receipts, and discharge certificates from the hospital

  7. Original pharmacy invoices, valid prescriptions, true copy of test results, and payment receipts

Method of applying for Health Insurance Portability

  1. Apply for a portability request to the new insurance company from their website at least 45 days before the existing policy is due for renewal

  2. On receiving the portability request, the new insurer will offer a proposal & a portability form and give details of the various possible health insurance

  3. Choose a health plan that meets your needs, then send the new insurer the completed proposal and portability documents.

  4. In order to verify certain information, such as the applicant's claim history, medical records, etc., the new insurance firm will contact the prior insurer after receiving the forms with the relevant information or visit the IRDAI website.

  5. Within seven working days, the current insurer must provide all necessary information via the IRDAI's common data-sharing system. The decision to approve the porting request may be delayed by the new insurer in the event that this information is shared later than expected.

  6. Within 15 days of receiving all the information, the new insurer will determine whether to accept or reject the insurance. They will be forced to accept the portability application if a decision is not made within this time frame.

ICICI Lombard Health Insurance FAQs