ICICI Lombard Health Insurance Review : Today we will learn in detail about ICICI Lombard Health Insurance Benefits, Plan, Hospital List, Renewal, and Claim Status within this information.
Today we will do a full review of ICICI Lombard General Insurance Company , so that the policyholder will get all the information he needs before purchasing ICICI Lombard Health Insurance.
ICICI Lombard Health Insurance Review in Hindi | ICICI Medical Insurance in Hindi | ICICI Lombard Health Insurance 2023
ICICI Lombard General Insurance Company is one of the best companies providing Health Insurance Policy in a private sector.
This insurance company gives the option to purchase insurance policy not only for family or personally, but also to business companies for their employees. Which is generally done by very few insurance companies.
You can buy the policy online from the official website of ICICI Lombard Health Insurance Company and can renew it as well.
What is ICICI Lombard? , What is ICICI Lombard?
ICICI Lombard General Insurance Company is one of the leading private sector life insurance companies (Health Insurance Company) within the country of India. It is a joint venture of both ICICI Bank Ltd. Handing and Fairfax Financial Holding Ltd. Company (based in Canada).
ICICI Lombard General Insurance Company has been offering a variety of innovative products over the years to suit the needs of all its policyholders.
ICICI Lombard General Insurance Company offers general insurance products in a wide variety of sectors such as – health, car, two wheeler, travel, business etc.
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The best insurance plans offered by ICICI Lombard General Insurance are known for providing quality services along with comprehensive coverage. Through this information, we will know in detail about ICICI Lombard Health Insurance Plan .
Like what are the benefits of this scheme? How much coverage is provided by the plan? And what are the eligibility conditions for purchasing ICICI Lombard Health Insurance?
Types of ICICI Lombard Health Insurance –
Today, in this post, we are going to provide the necessary information, coverage etc. of the best ICICI Lombard Health Insurance Plans offered by ICICI Company. So that in future it will be easier for you to buy an insurance policy.
ICICI Complete Health Insurance Details
- Complete health insurance provides the best coverage not only to you but also to your entire family.
- Along with the Basic Policy Terms, it also gives you the option of covering critical illnesses by paying a higher premium amount.
- The policy tenure is available from 1 to 2 years within this company.
- You must be 6 years old to purchase a policyholder. There is no upper age limit, and also children between the ages of 3 months to 5 years are included in this family cover.
- The policy can be availed for the entire family in a single premium.
- Sum Insured – INR 3 lakhs to 50 lakhs
- The premium depends on the amount of your policy.
ICICI Health Booster
- In ICICI Health Booster Plan, coverage is given for such diseases, which you will not get inside the basic plan. The Health Booster plan can be considered an upgrade.
- You have to be 6 years old to buy the insurance policy and the family cover covers children between the age group of 3 months to 5 years.
- Sum Insured – INR 5 lakhs to 50 lakhs
- If your age is 45 years and you want to buy a policy of about Rs 10 lakh or more, then for that you need to undergo medical screening.
- In this plan, you can buy it through two such mediums, personal and family.
ICICI Personal Protect Insurance
- In this type of insurance policy, you will be provided policy coverage even in case of accidental death and any disability due to the accident.
- If you have to face any accident or illness even in any kind of terrorist attack, then also you will get coverage through this policy.
- You must be at least 18 to 80 years of age to buy this insurance policy. Along with this, you can also include your spouse, children in this insurance policy plan by upgrading the insurance plan.
- Sum Insured – INR 3 lakhs, 5 lakhs, 10 lakhs, 15 lakhs, 20 lakhs, 25 lakhs
- You can avail the benefit of the best coverage of this plan even while living outside India.
ICICI Health Care Policy
- After purchasing the health care policy, the policy holder is given the best coverage to take care of health till the end of life.
- The term of the insurance policy is from 1 to 2 years, which can be renewed for life time.
- To buy an insurance policy, you must be between 5 to 65 years of age.
- If you are above 56 years of age at the time of buying an insurance policy, you need to undergo a medical screening.
- It is very important to renew your policy within 30 days after the expiry of the insurance policy.
ICICI Group Personal Accident Policy
- The policy amount in this plan depends on your monthly or annual income.
- Under the Personal Accident Policy, you get the best cover for the damages caused due to accident, disability due to accident, death due to accident etc.
- Even if you become disabled due to an accident, you can still enjoy the benefits of this policy coverage for life.
ICICI Group Health Insurance
- If any company wants to provide the best protection to their employees as well as their family by offering an insurance policy to their employees, then a group health insurance policy would be the best option for this.
- If you have a pre-existing medical condition, you can still avail the benefits of this policy cover by paying a higher premium.
ICICI Lombard Health Insurance Benefits
- At the end of the term of the insurance policy, you can renew this policy again for a lifetime.
- Under this policy, it takes only 4 hours for the cashless claim process and only 14 days for the reimbursement claim process.
- The best of treatments like Ayurveda, Unani, Siddha and Homeopathy are also available in this coverage.
- With the add-on cover, you are provided with facilities like free health checkup and consultation, maternity.
- Up to 100% of the insurance policy can be reinvested in the plan.
How to buy ICICI Health Insurance?
ICICI Health Insurance Purchase: You can purchase the policy in these two ways online and offline by handing over ICICI Health Insurance.
If you want to buy insurance offline, then for this you need to go to the ICICI branch. There you will be informed about the appropriate insurance policy along with other schemes by the insurance policy purchase advisors.
Due to which you will not have any problem in buying any health insurance policy from this ICICI Health Insurance Company. And on this basis, you can feel free to buy an insurance policy for yourself or for the whole family.
If you want to buy an online insurance policy, then you must first go to the official site of ICICI Health Insurance Company. And after that ICICI Lombard Health Insurance Login has to be done.
When you login inside the official website, then after that you will have to fill all kinds of information like your name, gender, age, information of all the members involved in the policy coverage, pre-existing diseases, address, pin code.
After selecting the health insurance policy, fill the ICICI Lombard Health Insurance Form and then pay the premium plan amount. In this way you can buy online SBI policy for yourself and family.
What are the features available in ICICI Health Insurance Coverage.
- Hospital daily cash
- Pre & Post-Hospitalization cost and Cover
- Reset benefits
- Day care treatment
- Ayush treatments at approved hospitals
- Nursing at home
- Medical evacuation
- Maternity care and expenses
- New-born baby cover
- Ambulance expenses
- Free health check-ups
- Critical illness cover
- Convalescence benefit
- Personal accident expenses
- Donor charges
Additional facilities offered in ICICI Health Insurance.
- Free health check-ups for fasting blood sugar, blood grouping, urine routine, Rh, CBC, ECG, Hb%, PPBS, Cholesterol
- Online customer care service Provider
- Dietician and nutritionist consultation
- Specialist consultation
- Easy claim process
Which facilities are not available in ICICI Health Insurance Coverage.
- Any kind of illness or injury occurring within 30 days from purchasing the insurance policy, accident is not provided in it.
- pre-existing diseases
- Cosmetic treatments, Non-Allopathic Treatments, Childbirth issues, Obesity Treatments
- Serious diseases like HIV/AIDS
How can ICICI Health Insurance Claim?
Following are the two methods of claiming health insurance, such as Cashless Claim and Reimbursement Claim.
1. Cashless Claim (Cashless Claim) – You can claim cashless claim inside the same hospital, which comes under the network of ICICI company.
To claim a cashless claim, first show your health card at the hospital desk and fill the Claim Request Form.
After this the company will do the verification and later your claim request will be accepted or rejected.
Whenever your claim request is accepted, after some time your entire medical expenses will be paid by the company.
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2. Reimbursement Claim (Reimbursement Claim) – You can use this claim process at places which do not come within the network of your hospital company.
Submit all your necessary documents from the hospital at the time of discharge. Your amount will be deposited in your bank within 15 days with the correct documents.
ICICI Lombard Health Insurance Eligibility | ICICI Lombard Health Insurance Eligibility In Hindi | ICICI Medical Insurance Eligibility
- You must be above 18 years of age to purchase ICICI Lombard Health Insurance Policy for yourself and your family members .
- To be covered under the Family Insurance Plan of ICICI Lombard Health Insurance, the child must be above about 3 months of age. To purchase an individual health insurance policy for a child, he/she should be above about 6 years of age.
- A person of 46 years of age will have to undergo a medical examination at designated diagnostic centers to purchase ICICI Lombard Health Insurance Policy Plan .
ICICI Lombard Health Insurance Benefits In Hindi | ICICI Medical Insurance Benefits In Hindi | Benefits of ICICI Lombard Health Insurance
1. Lifestyle Diseases
Due to the current lifestyle under the policy plan, many types of diseases are happening in the young generation. This is why a Family Health Insurance is required.
Whenever there is a medical emergency and can easily bear the hospital expenses for the treatment of that disease. For lifestyle diseases, ICICI Lombard Health Insurance offers a good plan with great coverage at a low budget.
2. Emergency Ambulance
Under this plan, the entire cost of emergency ambulance is also covered.
3. Super No Claim Bonus
If the period of Health Insurance Policy is claim free then you are given Super No Claim Bonus. Under this, you are provided with an additional sum assured of up to 50% on the sum insured.
4. Tax Benefits
ICICI Lombard Health Insurance also provides tax benefits under Section 80D of the Income Tax Act on the premium paid by the individual. In this way, you can also increase your tax savings through this insurance policy.
5. Day Care Treatment
In this, you are also given benefits for day care treatment. If you are admitted for less than 24 hours inside the medical.
6. No Capping
There is capping on the sum insured by many insurance companies in their Health Insurance Policy but no capping is done by ICICI Lombard Health Insurance Policy . In this, you are provided coverage to that extent according to the needs of your family.
7. Free Look Period
The plan also provides you a free look period for 15 days. If you feel that you are not satisfied with this policy, then you can terminate your health insurance policy anytime within these 15 days.
8. Employer Health Policy
If you do a job, then you are provided with Health Insurance Policy by the employer. But this policy cover is given to you as long as you work with the employer.
Apart from this, members of your own family cannot be included inside it. Under the ICICI Lombard Health Insurance Policy, you can avail the benefits of additional health insurance coverage for yourself and your family.
9. Premium Savings
Individual Health Insurance Policy : Compared to an individual health insurance policy, if you take a health insurance policy for your entire family, then you can save on the premium of this plan.
Because when more than 1 person is available in a health insurance policy, some discount is offered by ICICI Lombard Health Insurance Company on the premium charged on it.
10. Kovid – 19 (COVID-19)
COVID-19 is also covered by the ICICI Lombard Health Insurance policy. Under this, if the insured person is admitted in medical, then his expenses are given by ICICI Lombard Health Insurance only.
Within the co-payment, the person suffering from the disease has to bear some additional charges on his own while claiming for the sum insured but with the ICICI Lombard Health Insurance policy, you do not need to bear any kind of co-payment. it occurs.
12. Admitted To Hospital
If you are admitted in the medical for more than 24 hours due to medical reasons, then the medical expenses, doctor surgeon fees, room charges, medicine bills etc. incurred during that time are also covered within the policy.
Additionally, ICICI Lombard Health Insurance is also offered to provide you benefits for sickness expenses incurred up to 30 days before and 60 days after you are admitted to the medical.
13. Family Health Needs
ICICI Lombard Health Insurance offers insurance plans according to each and every need of your family within the policy. It helps you choose the best health insurance policy keeping in mind all your family needs.
14. Ayush Treatment
All types of expenses incurred in AYUSH treatment are also covered by ICICI Lombard Health Insurance.
15. Medical Costs
The health medical cost has increased a lot within the present and it is likely to increase even more in the future. You ICICI Lombard Health Insurance policy helps you in the best of financial protection for you and your family during medical emergencies.
16. Health Program
ICICI Lombard Health Insurance offers wellness points through various wellness and fitness activities that you can redeem for doctor’s consultations, paying for medicines, etc.
17. Free Health Checkup
ICICI Lombard Health Insurance policy provides a Health Checkup Coupon in every policy year to the person suffering from the disease. Through this you can also get your health checkup done free of cost.
18. Donor Expenses
This plan also provides you excellent coverage for organ donor expenses within the policy.
19. Pre-Existing Diseases
Some pre-existing diseases are covered with immediate effect while some have a time limit period of up to 2 years.
20. Air Ambulance Cover
It also covers the complete expenses incurred on the air ambulance.
21. Reset Gain
You are also given reset benefits in this policy. If you feel that the amount of insurance is too less according to the needs of your family, then you can reset your Lombard Health Insurance Policy Plan at any time.
22. Worldwide Cover
You can avail the benefit of this policy even by staying anywhere in the world. This policy provides you insurance cover for all types of medical expenses incurred abroad as well.
23. Cashless Hospital
In this, when you are admitted in cashless medical, payment of insurance amount is given directly to pay your entire bill in medical. For this you do not need to wait any way.
ICICI Lombard Health Insurance Review Quora
About ICICI Lombard Health Insurance Company, you can also see its review on the famous website Quora. To see the review on Quora, search ICICI Lombard Health Insurance Review Quora in Google and see what has been given about this company.
Before taking any type of health insurance, you must check the plan policy of that company so that you do not have to face disappointment in any medical emergency. That’s why we have discussed the famous website like ICICI Lombard Health Insurance Review Quora in front of you.
ICICI Lombard Health Insurance Hospital List Details
If for some reason you need a medical emergency and you are thinking about your nearest medical, then you can check ICICI Lombard Health Insurance Hospital List .
Inside this you have been told about all their network medical. From where you can know about your nearest medical. For more information about this, please click on their link given below.
ICICI Lombard Health Insurance Customer Care Number
How can you contact ICICI Lombard Health Insurance Contact Number in case of any kind of problem related to ICICI Lombard Health Insurance or before choosing any policy .
If you have to purchase ICICI Lombard Health Insurance but do not understand anything, you can also call on ICICI Lombard Health Insurance Contact Number and take suggestions about this from their helpline.
You can solve your problem in 4 ways on ICICI Lombard Health Insurance Customer Care Number .
- ICICI Lombard Health Insurance Customer Care Number – 1800 2666 (24*7)
- Alternate Contact Number – 86 55 222 666 (Chargeable)
- Email – email@example.com
- Address – ICICI Lombard General Insurance Company Limited, Ground Floor – Interface 11, 6th Floor – Interface 16, Office No. 601 & 602, New Linking Road, Malad (West), Mumbai – 400064
ICICI Lombard Health Insurance Premium Chart
ICICI Lombard Health Insurance Premium Chart can be found through the official company brochure or inside your policy document papers provided.
From this ICICI Lombard Health Insurance Premium Chart, you can easily find out the current normal premium rate details based on important condition like your age, insurance term, selected SI value etc.
ICICI Lombard Health Insurance Premium Calculator
ICICI Lombard Health Insurance Premium Calculator is an online tool which is used to get complete information about health insurance premium before buying it.
Manual calculations can be very tedious and inaccurate, especially when you are buying a single policy that covers a large number of people like Family Floater Health Insurance Plan .
Finding the premium for such plans manually can be time consuming and extremely complicated. Hence, you online premium calculator provides a quick and accurate premium amount which is beneficial for potential insurance buyers. So use it.
ICICI Lombard Health Insurance Renewal Process
ICICI Lombard Health Insurance Plan It comes with an online renewal facility, which means that one can opt for ICICI Lombard health insurance online renewal.
To process the ICICI Lombard Health Insurance Renewal , you must go through some of the points given below:-
- Go to the official website of the company.
- Click on ‘Renewal’
- Select the type of plan you want to renew from the drop-down menu
- Fill all the required details and submit the form to proceed further
- Pay it online.
- – Once the payment is done, you will get the message of Successful Policy Renewal.
For ICICI Lombard Health Insurance Renewal , the company also offers a grace period of around 30-days, during which a policyholder can renew his policy even after the deadline without lapsing it.
ICICI Lombard Health Insurance Claim Settlement Ratio
As per the information in ICICI Lombard, Claim Settlement Ratio is arrived at by dividing the total claims settled by the sum of the claims settled with total payments in approximately 30 days.
Claim Settlement Ratio is a reliable insurance metric which helps the policyholder to understand whether the insurance company and the policy already chosen is the right choice for you or not.
- – Health – – 99.7%
- – Traveling – – 98.6%
- – Motor own loss – – 93.4%
ICICI Lombard Health Insurance Review In Hindi
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