You need health cover regardless of what you take two at a time - pills or stairs.
  • 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 13 1 2 3 4 5
    • ICICI Lombard Health Insurance
      "Normal Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the ICICI Lombard. I am paying low premium, there hasn't been any claim experience with the policy so far. Considering the premium I pay it has been a normal experience with the policy so far.
      Was this review helpful? 1
      , udaipur
      Reviewed on Sep 11, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy with the ICICI Lombard, I am paying the premium and I do not have any claim experience with the policy so far. I'll have to wait and see how they respond to my claim requests in future. It has been a hassle free experience so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 11, 2018
    • ICICI Lombard Health Insurance
      "Normal Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the ICICI Lombard. I am paying a premium 280 per month, for me and family. I do not have any claim experience with the policy. The annual coverage 2.5 Lacs. It has been a hassle free experience with the policy so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 05, 2018
    • ICICI Lombard Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      This insurance policy had been taken through the company which i am working and it is a good beneficial policy where they also have cashless treatment. There are many hospitals which are covered in my locality as well. There has not been any claims made so far and there has not been any hassles so far.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Sep 03, 2018
    • ICICI Lombard Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My health is insured with ICICI Lombard from last 121 years and it is one of the good policy to use. I pay a premium of Rs 5800 for this insurance policy and it covers only individual. My claim experience was good, they covered 90% and it was cashless treatment. The coverage valye is up to Rs 4-5 lacs.
      Was this review helpful? 1
      , mumbai
      Reviewed on Aug 21, 2018
    • ICICI Lombard Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with ICICI Lombard from last 3 years, i am not aware of the premium amount as my company pays it . The coverage value for this insurance policy is for Rs 2 lakhs and it is a family coverage. I have no claim experience so far with this insurance policy.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Aug 21, 2018
    • ICICI Lombard Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with ICICI Lombard from last 2 months, i am happy with the coverage value of this insurance policy and they cover up to Rs 4 lakhs. I have no claim experience so far with this insurance policy and i pay a premium of Rs 10000 for this insurance policy.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Aug 17, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I've a health insurance policy with the ICICI Lombard. I am paying a premium of 22000 for the entire family per year. I do not have any claim experience with the policy so far and I'll have to wait and see two they respond to my claims in case if I will have any.
      Was this review helpful? 1
      , new delhi
      Reviewed on Aug 13, 2018
    • ICICI Lombard Health Insurance
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had taken this insurance policy long time back. I had not yet made any claims, i had been making all the payments online and it had been easy. The premium amount was okay and the medical coverage also had been good. There has not been any hassles faced so far.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Jul 27, 2018
    • ICICI Lombard Health Insurance
      "They must inform the terms and conditions properly"
      0.5 2.0/5 "Expected more"
      In my office, they have provided the health insurance. I'm not interested on this health insurance. Its not at all useful and they are deducted the unnecessary charges for that. I don't have any claim experience so far. I don't know the benefits of the policy. I can use the card in many of the hospitals.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jul 26, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've taken a health insurance policy from the ICICI Lombard for my parents. I am paying a premium of 14000 each for the parents a year. I do not have any claim experience with the policy so far. I am paying the premium online.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 25, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the health insurance policy from the ICICI Lombard for a while now. I am paying a premium of 7000 Per year, The policy offers coverage for only me. There are no issues and I do not have any claim experience with the policy so far.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 25, 2018
    • ICICI Lombard Health Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      I'm paying the premium amount of Rs. 11000 per year. I have taken this health insurance for my family. I have never had a claim experience with this policy. I can avail the claim amount of 3 lakhs maximum. Its easy to claim the policy. The hospital list was good. Cashless treatment is also available.
      Was this review helpful? 1
      , gurgaon
      Reviewed on Jul 25, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've an employer provided health insurance policy with the ICICI Lombard. The company is paying the premium. It offers of a coverage of 2 lacs for me annually. I do not have any claim experience with the policy. So far there hasn't been any issues with the policy. I'll have to wait and see how they respond to my claims in future if I'll have any.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 17, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I've a health insurance policy from the ICICI Lombard which is provided by the Company. The company is paying the premium. It covers almost all treatments, I do not have any claim experience with the policy. I'll have to wait and see how they respond to my claim in case if I'll have any.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 11, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the ICICI Lombard health insurance policy for a while. This policy is for me and my mother. I never had any claim experience with the policy. Overall I never faced any issues with their services. I'll have to wait and see how they respond to my claims in future.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 04, 2018
    • 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
    Common Loader Icon
    Page 1 of 13 1 2 3 4 5

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.