• ICICI Lombard Health Insurance Claims Procedure

    Founded in the year 2001, ICICI Lombard was the result of a partnership between the India-based ICICI Bank Limited with the Canada-based Fairfax Financial Holdings Limited, a financial services organization. ICICI Lombard is one of India’s most prominent insurance player in the private segment which offers its services and products via its 221 branches that are located across India. In the health insurance segment, ICICI offers a number of health insurance policies, each of which is designed to fulfill all your healthcare needs. Along with their health insurance policies, ICICI also boasts of a robust claim filing and settlement process which is hassle-free and simple.

    Types of Health Insurance Claims:

    Health insurance claims can be filed as one of two types - cashless claims or reimbursement claims. A Cashless/Cashless Hospitalization/Cashless Treatment Claim will arise when the insured wishes to seek medical treatment at an ICICI Lombard network hospital. Under cashless treatment, the insured will not be required to pay the treatment/hospitalization bill, which will be footed by the insurance company upon successful verification of the claim. Cashless hospitalization can be availed for planned or emergency hospitalization. The other type of claim that can be made on a health insurance policy is a Reimbursement Claim. Under this claim, the insured must bear the costs of hospitalization/medical treatment, and later ask the insurance company to reimburse these costs.

    For 2015-16:

    Net Earned Premium (in lakhs INR) Net Claims Paid (in lakhs INR) Incurred Claims Ratio (Percentage)
    107460 88212 82.09

    Process for Cashless Claims:

    Cashless claims can be filed for planned and emergency hospitalization. In case of planned hospitalization, the insurance company must be informed at least 48 hours in advance while for emergency hospitalization, the insurer must be informed not later than 24 hours after hospitalization has taken place. Following are the steps to be followed to make a cashless claim.

    • You would first need to get in touch with the network hospital that provides cashless facility for ICICI Lombard health insurance. You need to ensure that you have your health card with you which would be issued by ICICI Lombard and seek admission for your treatment..
    • You need to intimate the cashless facility. Simply call the number mentioned on the card or the health insurance helpline number mentioned on the company website. For planned hospitalization make sure you reach out to the company 2 days prior to admission.
    • Submit the health card along with a proof of ID to the network hospital who in turn will conduct the verification of your credentials.
    • A pre-authorization form will be required to be filled in, from the hospital, where the attending doctor will have to sign it. This can be downloaded from the ICICI Lombard website but needs to be faxed to the insurance company along with relevant information.
    • The health insurance company will then communicate with the relevant bank to update the status of the claim made, which could be either be acceptance or rejection or possibly the request for additional information or documentation. You can check out the claim status on the website itself.
    • Once accepted, the medical bills and costs covered under the policy are settled by ICICI Lombard. But the things or expenses not covered under the health insurance have to be paid by you.
    • As a policy owner you need to verify and sign the original bills and at the same time keep a photocopy of the entire hospitalization record.

    Process for Reimbursement Claims:

    For filing a Reimbursement claim, here are the steps to be followed.

    • Inform ICICI Lombard when you are hospitalized.
    • Once your hospitalization/treatment is complete and you have paid the bills for the same, you must retain all bills and documents related to the treatment/hospitalization with you to file for the claim.
    • Submit the aforementioned bills and documents to ICICI Lombard for processing of the claim. If the treatment is covered under the scope of the terms of your policy and you have provided all the necessary documents, the insurer will process your claim and reimburse you for the amount of the bills, in accordance with the coverage of the policy.

    Documents Required for Claim Processing:

    • Claim Form: The claim form which needs to be filled with relevant details, signatures and finally be submitted.
    • Hospital Bills and Summary: All the original hospital bills, with stamps and signatures from the hospital have to be submitted.
    • The original discharge report has to be submitted as well.
    • All other originals reports related to the treatment (including medicine bills and investigation reports) has to be submitted.
    • The future line of treatment as well as follow-up check-ups by the relevant doctor should be sent as well.
    • If seeking treatment in a non-network or unregistered hospital, you need to get the details of the hospital on the official letterhead that includes the number of doctors, nurses and beds available.

    This Insurance Company has not partnered with BankBazaar.com. For more details, please visit its website/branch office. The trademarks, logos and other subject matters of intellectual property belong to their respective owners.

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    ICICI Lombard Health Insurance Claims Procedure Reviews

  • Page 1 of 31 1 2 3 4 5
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy with the ICICI Lombard general Insurance company. I am paying a premium 39000 per year. I do not have any claim experience with this policy. So far in terms of the features and benefits it is a recommendable policy to have. I pay the premium online.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 12, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the ICICI Lombard which is provided by the company. The company is paying the premium. It is a policy worth the money and I never had any claim experience with them. I'll have to wait and see how they respond to my claim request in future.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 11, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I've had taken a health insurance policy from the ICICI Lombard. I never had any claim experience with the policy. I'll have to wait and see how they respond to my claim requests in future. So far, I never had any issues with their services till date.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 07, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy from the ICICI Lombard. I pay a premium of 15000 Per year for 100000 Annual coverage. I do not have any claim experience. The policy offers full family protection under a small budget. Overall their services are good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 26, 2018
    • ICICI Lombard Health Insurance
      "Good experience with ICICI"
      0.5 5.0/5 "Blown Away!"
      I have taken the health insurance from ICICI Lombard and the response from there end was really good. They provide cashless facility and the claim experience was really good. The customer service and response is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 26, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy from ICICI Lombard . I do not have any claim experience with the policy. I make payments at the branch and the branch staff are really good and approachable. Overall I never had any issues with their services. Good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 24, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a Health Insurance polciy with the ICICI Lombard . I don't have any claim expereince with this policy. I pay a premium of 12000 per year for a coverage of 3 lacs for an year. Me and wife are covered under this policy. Overall I never had any issues with their services.
      Was this review helpful? 0
      , secunderabad
      Reviewed on May 20, 2018
    • ICICI Lombard Health Insurance
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      I have my health insured with ICICI LOMBARD from last 1 year, my premium amount gets auto deducted from the loan amount. I am not happy with the customer service as there was no proper information given about the health insurance. I have a coverage value of Rs 2.5 lakhs.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 18, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I've been using the ICICI Lombard health insurance for a while. I am paying 46000 for every two years. It has the cashless treatment and I am happy about the network list of hospitals. I've claimed this policy once for almost INR 30000. The claim process was very easy and hassle free. Overall I am happy with their service.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 16, 2018
    • ICICI Lombard Health Insurance
      "ICICI health insurance"
      0.5 4.0/5 "Great!"
      I hold a health insurance from ICICI Lombard and the policy coverage is for 3 lakhs. As this is a corporate insurance. Till now there is no claim experience. The provide both cashless and reimbursement facility.
      Was this review helpful? 0
      , ahmednagar
      Reviewed on May 16, 2018
    • ICICI Lombard Health Insurance
      " ICICI Lombard health insurance"
      0.5 3.5/5 "Pretty good"
      From ICICI Lombard i have taken a health insurance and the policy coverage is for 3 lakhs. The yearly premium is 38000 and if there is no claim experience then i can extend the policy up to 5 lakhs.Yearly i have to renew the policy with ICICI.They do the coverage for general and critical related health issues.
      Was this review helpful? 0
      , bhopal
      Reviewed on May 14, 2018
    • ICICI Lombard Health Insurance
      "Good experience for claim"
      0.5 5.0/5 "Blown Away!"
      I have taken a health insurance with ICICI LOMBARD and the its a family floater.The policy coverage is for 4 lakhs. Once i had a claim and the experience was good.I go for cashless treatment. The customer service and response was good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 13, 2018
    • ICICI Lombard Health Insurance
      "Better policy to use"
      0.5 5.0/5 "Blown Away!"
      I never got any claim experience from the ICICI Lombard health insurance policy. I got the health insurance policy from the ICICI Lombard general insurance around 4 yeas ago. This policy covers 3members in my family. There is no claim experience from this policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 11, 2018
    • ICICI Lombard Health Insurance
      "GOOD POLICY"
      0.5 4.5/5 "Excellent!"
      Using Icici Lambord for health insurance . This policy is best compared to other policy as i have compared to many policy regarding claim. Used to pay the payment on-line. Paying annual for this policy , there is good coverage, as there is no money had to pay for the medical expense . Their customer service and response is good.
      Was this review helpful? 0
      , chennai
      Reviewed on May 11, 2018
    • ICICI Lombard Health Insurance
      "ICICI lombard Health insurance"
      0.5 4.0/5 "Great!"
      I hold a health insurance from ICICI lombard general insurance and the premium amount is 13500 for 2 years. They do not have any health checkup on yearly basis. Still now there was no claim experience. We can claim up to 2.5 lakhs. This policy covers me an my wife.
      Was this review helpful? 0
      , thane
      Reviewed on Apr 27, 2018
    • ICICI Lombard Health Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      I have my health insured with ICICI lombard from last 2 years, the coverage value of this insurance policy is very less which is Rs 1 lakh. I am not aware of the premium amount as my company pays it. I do not have claim experience so far with this insurance policy.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 24, 2018
    • ICICI Lombard Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with ICICI lombard from last 2 years and it is one of the best insurance policy to use. They gave a coverage value of Rs 3 lakhs for this insurance. My claim experience was good and they covered 100% of the billed amount. I pay an insurance premium of Rs 16000-17000 every year.
      Was this review helpful? 0
      , jabalpur
      Reviewed on Apr 16, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I have a health Insurance with Icici. The benefits is for the whole family. The offers covers the top hospitals. But still now I have not claimed any service from Icici health insurance service. It was an good experience with Icici Health Insurance service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 12, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      The Health insurance policy is good to use with the ICICI Lombard. The customer support service is good with the ICICI Lombard. The documentation process was good with the ICICI Lombard and They offer the top hospitals which is helpful for me.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 05, 2018
    • ICICI Lombard Health Insurance
      "ICICI lombard didn't honour claim"
      0.5 1.0/5 "Really Bad"
      I had taken ICICI lombard mediclaim policy for about 10 years . When I was hospitalised , they didn't honour my claim . Worst they harassed me for so many documents . After submitting all documents they didn't pay . Since then I discontinued their policy
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 30, 2018
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