ICICI Lombard Health Care Corona Kavach Policy

ICICI Lombard Corona Kavach Policy Coverage

The ICICI Lombard Corona Kavach Policy covers the following:

1. The sum insured as per the policy certificate will be provided as a lump sum amount
2. Health assistance (value added service) will be provided through the dedicated health assistance team. This includes the following:
   1. Provision of options for network providers
   2. Provision for second opinions
   3. Provision of knowledge in regard to the ailments and all possible methods of treatment
   4. Help to identify a specialist or hospital to proceed with the treatment

What is not covered under the ICICI Lombard Corona Kavach Policy

The following are not covered under the ICICI Lombard Corona Kavach Policy:

1. The diagnosis for COVID-19 has to be confirmed through tests prescribed by government authorities. Any other test results will not be acceptable.
2. The insured should not have travelled to any affected area outside the geographical borders of India after 31 December 2019.
3. Any claims which are placed within the first 14 days from the effective date of the policy inception will not be entertained.
4. Claims will not be entertained if the insured has a history of quarantine and/or diagnosis of COVID-19 before the policy is put into effect or within 14 days of the waiting period.
5. The expenses for treatments done outside the geographical boundaries of India will not be covered.
6. OPD expenses will not be covered under the policy.
7. Expenses for diagnosis of any problems other than the one for which you are undergoing the treatment will not be covered under the policy.
8. Hospitalisation expenses in relation to the diagnosis and evaluation of the disease will not be covered under the policy.
9. Expenses in regard to dietary supplements and products which have not been prescribed will not be covered.
10. Expenses in regard to nature cure clinics and spas will not be covered under the policy.

How to Buy ICICI Lombard Corona Kavach Policy?

In order to buy the ICICI Lombard Corona Kavach Policy, you can follow any one of the methods mentioned below.

Online Purchase: You can buy the ICICI Lombard Corona Kavach Policy online by visiting the official website of ICICI Lombard at www.icicilombard.com.

Step 1: Navigate to the ‘Corona Kavach Policy, ICICI Lombard’ option under the Products tab from the main menu.

Step 2: Enter your ‘Full Name’, ‘Mobile Phone Number’, and ‘email ID’ in the fields provided on the webpage.

Step 3: Check the box against the terms and conditions of the policy.

Step 4: Click on the ‘Proceed’ button under the form.

Step 5: ICICI Lombard will connect with you accordingly and help you through the process.

Alternatively, you can also visit the nearest ICICI Lombard branch office and enquire and buy the policy as per your requirement.

How to Place a Claim under ICICI Lombard Corona Kavach Policy?

You can place a claim under the ICICI Lombard Corona Kavach Policy through three different methods. You can opt for one of the following methods:

1) Cashless Emergency Process:

You can avail cashless claims through ICICI Lombard when the insured is admitted in a network hospital of the insurance provider.

2) Reimbursement Claim Process:

The reimbursement claim process can be used when the insured is not being admitted in a network hospital. In this case, the bill is settled by you and the receipts have to be submitted to ICICI Lombard for the reimbursement of the claims.

3) Cashless Planned Process:

Alternatively, you can opt for the cashless planned process for settling the medical expenses.

For any of the three methods of claim settlement, you will be required to follow the steps mentioned below:

Step 1 – Intimation of the claim

Step 2 – Processing of the claim

Step 3 – Settlement of the claim

You can proceed with the claim settlement process by:

1. Visiting the nearest branch office of ICICI Lombard Health Care
2. Calling the toll-free number 1800 2666
3. Writing an email to customersupport@icicilombard.com
4. Sending an SMS 'HEALTHCLAIM' to 575758
5. Sending a fax to ICICI Lombard at 022 61961323