ICICI Lombard Health Insurance Review

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Our Verdict

The ICICI Lombard offers health insurance with several variants along with certain redundant riders and benefits similar as in- case hospitalization cover, day care treatment, diurnal sanitarium cash, unlimited reset benefit, among others. It also provides supplemental health insurance plans for individualities looking for fresh content. Both individual and family floater plans are available.

Types of ICICI Lombard Health Insurance Plans

ICICI Lombard Complete Health Insurance Policy

The ICICI Lombard complete health insurance policy is a comprehensive policy for an individual and for family where the policyholder can conclude for complete content for the family as per their medical requirements.

Key Features :

No limit on sanitarium room rent.
Sum insured ranges from INR 1 lakh to 10 lakh.
Noco-pay and nopre-medical check- up for policyholders till the age of 45.
Two complimentary health check- up tickets every time for a family floater health insurance policy.
Coverspre-existing conditions just after two times from the policy launch date if one chooses a plan with sum ensured INR 3 lakh or over.
Free- look period of 15 days.
Add- on features like sanitarium diurnal cash allowance and recuperation benefit.
Includes Befit rider This rider provides fresh content of the inpatient department( OPD). conditions on a cashless base. It covers your costs related to physical and virtual discussion by croakers. It also covers charges like drugstore, minor procedures, routine diagnostics and heartiness curatives.

ICICI Lombard Complete Health Policy Covers

The ICICI Lombard complete health policy has introduced four voluntary riders under its plan- iHealth, iHealth plus Health guard and Health nobility. Let’s have a look at each one of them and understand what all is covered for the policyholders in each plan. Let’s have a look on the table below to know the features of iHealth plus plan

iHealth

The ICICI Lombard iHealth is a comprehensive health insurance plan that offers health cover along with fresh covers like sanitarium diurnal cash, critical illness and patron charges. This plan also provides a top- up option to enhance sum ensured.

Key Features :

The sum ensured quantum ranges from INR 2 lakh to INR 50 lakh.
Includes the content of in- case treatment benefits which covers sanitarium charges for admission longer than one day.
Coverage of medical charges incurred up to a 30- day period incontinently before and 60 days incontinently after an insured admitted to sanitarium.
ensured can mileage sanitarium diurnal cash benefit as per their sum ensured quantum; ranges from INR 500 to INR per day.
Provides an option to the ensured to reset up to 100 of the introductory sum ensured unlimited times in a policy time. This benefit is applicable to the sum ensured quantum, starting from INR 3 lakh to INR 50 lakh.
Coverage of medical costs related to day care procedures which have been accepted by an ensured for a nonstop period of lower than 24 hours.
Covers the medical costs related to any organ transplantation, if the organ bestowed is for ensured persons, subject to a outside of two grown-ups. Not Applicable on sum ensured quantum up to INR 2 lakh. Coverage over to INR on a sum ensured quantum from INR 3 lakh to INR 50 lakh.
Critical illness cover offers content against critical illness like heart attack, cancer etc. The content is subordinated to sum ensured quantum and goes up to content of 100 of policy sum ensured.

iHealth Plus

The ICICI Lombard iHealth Plus policy offers benefits similar as day care procedures, pre- andpost-hospitalization costs, no circumscribing on room rent and expansive content for croaker’s charges and medical bills. Let’s have a look on the features of iHealth plus plan

Key Features :

The sum ensured quantum ranges from INR 2 lakh to INR 10 lakh.
Includes the benefit of in- case treatment which covers the sanitarium charges for admission longer than one day.
Coverage of medical charges incurred up to a 30- day period incontinently before and 60 days incontinently after an insured admitted to sanitarium.
ensured can mileage sanitarium diurnal cash benefit as per their sum ensured quantum; ranges from INR 500 to INR per day.
Provides an option to the ensured to reset up to 100 of the introductory sum ensured unlimited times in a policy time. This benefit is applicable to sum ensured quantum, starting from INR 3 lakh and beyond.
Coverage of medical costs related to day care procedures which have been accepted by an ensured for a nonstop period of lower than 24 hours.
Maternity Benefit Cover

Health Shield

The Health Shield plan by ICICI Lombard provides content options ranging from INR 3 lakh to INR 50 lakh, depending upon the need of the policyholder. This plan has an elaborate list of contents similar as in- case treatment, patron charges, motherliness benefits, nursing cost and numerous further. Let’s have a look to understand more in detail about each and every content of this plan

Key Features :

The sum ensured content ranges from INR 3 lakh to INR 50 lakh.
Includes the benefit of in- case treatment which covers the sanitarium charges for admission longer than one day.
Coverage of medical charges incurred up to a 30- day period incontinently before and 60 days incontinently after an insured admitted to sanitarium.
ensured can mileage sanitarium diurnal cash benefit up to a outside of 10 successive days if this hospitalization is for a minimum of three days.
Provides an option to the ensured to reset up to 100 of the introductory sum ensured unlimited times in a policy time. This benefit is applicable to the sum ensured quantum, starting from INR 3 lakh to INR 50 lakh.
Coverage of medical costs related to day care procedures, which have been accepted by an ensured for a nonstop period of lower than 24 hours.
Convalescence Benefit If the ensured is rehabilitated for a minimum of 10 days or further, also this benefit offers INR formerly in a policy time.
Critical illness cover offers content against critical illness like heart attacks, cancer among others. The content is subordinated to the sum ensured quantum and goes up to 100 of the policy sum ensured.
ensured gets medical backing from a good nanny up to a outside of 15 days after hospitalization. For sum ensured quantum ranging from INR 3 lakh to INR 5 lakh, the insured gets a content for INR per day per member and if the content is beyond INR 5 lakh to INR 50 lakh, the insured gets a content for INR per day per member.
Other benefits similar as heartiness and unlimited reset benefits are also available.

Health Elite

The Health Elite plan offers a content of INR 3 lakh to INR 50 lakh along with the benefits like in- case treatment, pre- andpost-hospitalization, day care costs, motherliness and invigorated cover, patron charges, among others. Then’s further about the benefits of this plan

Key Features :

Sum Insured Coverage Ranges from INR 3 lakh to INR 50 lakh.
Includes the benefit of in- case treatment which covers the sanitarium charges for admission longer than one day.
Coverage of medical charges incurred up to a 30- day period incontinently before and 60 days incontinently after an insured admitted to the sanitarium.
ensured can mileage sanitarium diurnal cash benefit as per their sum ensured quantum; ranges from INR 500 to INR per day.
Coverage of medical costs related to day care procedures which have been accepted by an ensured for a nonstop period of lower than 24 hours.
Other benefits similar as heartiness and unlimited reset benefits are also available.
Maternity Benefit Cover

Eligibility For ICICI Lombard Complete Health Insurance Policy

still, he or she can buy the complete health insurance policy as an individual policy and also can conclude for the family floater plan, If the subscriber is above 18- time old.
still, they should have content for a minimal one grown-up, If a policy is bought to cover children progressed between three months to five time.
For the health cover, children to be further than 91 days old are eligible.
still, he or she'll mandatorily have to suffer a medical test, If an existent is further than 45- time old.

ICICI Lombard Health Booster Policy

As the name suggests, Health Booster is a kind of super top-up health insurance. It covers that redundant bill when the standard insurance content plan falls short. This plan enables to add a advanced sum ensured at a comparatively lower decoration.

Key Features :

Provides fresh security and allows the ensured to cover their own family under a single policy.
The sum ensured quantum ranges from INR 5 lakh to INR 50 lakh.
10 and12.5 reduction on two time and three time programs independently.
No need of witnessing apre-policy medical tests if the sum ensured is over to INR 10 lakh and up to 45 times of age.
Add- on benefits like sanitarium diurnal cash and recuperation benefit.

Eligibility For ICICI Lombard Health Booster Policy

Health supporter insurance policy can be bought if the consumer is above 18 times of age.
The policy can be bought for individual, family members including partner, children and parents. Also, there's no maximum entry age.
In case of an individual policy for the child, he or she needs to be further than six times ofage.However, the child can be covered in a family floater plan once he or she's further than three- month old.
still, he or she'll mandatorily have to suffer a medical test, If an existent is further than 45 times.

ICICI Lombard Aarogya Sanjeevani Policy

Aarogya Sanjeevani policy is a standard policy that pays for the medical bills when the insured is rehabilitated. It's a general content healthcare plan, which is well- suited for securing introductory healthcare requirements. This policy has an option of both individual and family floater plans.

Key Features :

In- case hospitalization charges are covered up to 2 of sum ensured subject to a maximum limit of INR per day.
Medical charges incurred 30 days prior and 60 days post hospitalization.
Secures all medical costs for AYUSH treatment.
The sum ensured thresholds from just INR 1 lakh onwards and one can choose plans up to INR 5 lakh.
The ensured can save up to12.5 by paying the decoration for three times at formerly.
Benefits like cashless medical care, day care procedures, lifelong renewability benefit, accretive perk of 5 on sum ensured, ambulance content can be profited.
Ambulance charges are covered up to INR per hospitalization.

Eligibility For ICICI Lombard Aarogya Sanjeevani Policy

individualities, consorts, parents and parents- in- law should be in the age group of 18 to 65 times
Dependent children should be in the age type of three months to 25 times.
still, they will be ineligible for content in the renewals, If the child is above18 times of age and is financially independent.

ICICI Lombard Personal cover Policy

The particular protect policy is an accident insurance policy, which provides financial support to the insured person in case of a critical accident. This policy offers fiscal aid for charges incurred because of an accident. It also provides content in case of total endless disability or death of the ensured due to an accident.

Key Features :

No prerequisite medical check- ups.
The policy be bought on an individual and family floater base.
Flexible and tailored sum ensured options ranging from INR 3 lakh up to INR 25 lakh.
Cover add- on charges arising from accidental injuries and hospitalization.
In case of death of the policyholder, the designee of the health insurance policy is given the sum ensured quantum.

Eligibility For ICICI Lombard Personal cover Policy

This policy can be profited by an existent for any of his family members, children and parents.
Any aspirant between 18- 65 times of age can conclude for a particular protect policy.

ICICI Lombard Saral Suraksha Bima Policy

This is a standard particular accident policy, which gives a content for accidental death and endless or partial disablement. The policyholder gets a sum ensured content up to INR 1 crore.

Key Features:

Saral Suraksha policy pays the lump- sum i.e. 100 of the sum ensured, if there's any case of accidental death or endless disablement of the insured person.
In the case of endless partial disablement, the company will pay a specific quantum of the total sum ensured.
ensured gets content of hospitalization charges similar as room rent, ICU or individual costs, surgeon freights, etc. The content is limited to 10 of the base sum ensured.
One- time educational support of 10 of the base sum ensured is given, if the ensured suffers endless total disablement or death. This entitlement also applies to the dependent children of the ensured.

Eligibility For ICICI Lombard Saral Suraksha Bima Policy

The minimal age for this policy is 18 times and the outside is 70 times.
This policy doesn't have a floater option.
One has the option to buy separate programs for your family members like partner, parents and parents- in- law, and dependent children.

ICICI Lombard Corona Kavach Policy

This policy is a Covid- 19 specific policy and caters to the introductory health insurance needs arising out of the hospitalization of the ensured suffering from Covid- 19. The nimbus kavach policy covers hospitalization charges for Covid- 19 treatment, including sanitarium room rent, nursing charges, surgery costs, specialist freights etc. The sum ensured for this policy ranges from INR to INR 5 lakh.

Key Features :

Coverage of in- case hospitalization charges for a minimal 24 hours on a opinion of Covid- 19 in a government grounded individual center.
The content includes room rent, nursing costs, blood, oxygen, ventilator charges, drugs and drugstore bills, costs related to diagnostics PPE Kit, gloves and mask.
Cost towards Intensive Care Unit( ICU) or ferocious Cardiac Care Unit( ICCU) charges
On the positive opinion of Covid- 19, the hospitalization charges under AYUSH treatment are covered up to the sum ensured.
Covers medical costs similar as individual costs incurred during 15 days before hospitalization or home care treatment.
Home care treatment and treatment for comorbid conditions are covered.
Coverage of ambulance charges, up to INR 2000 per hospitalization.

What Does ICICI Lombard Health Insurance Cover?

The following aspects are included under health insurance benefits.

Hospitalization charges arising out of any illness or injury will be covered in some of the programs.
Pre-hospitalization charges incurred 30 days prior to the hospitalization andpost-hospitalization charges incurred 60 days after the discharge from the sanitarium.
Day care procedures.
In- case AYUSH treatment.
Policy covers pre- andpost-hospitalization charges related to Covid- 19.

What Does ICICI Lombard Health Insurance Plan Not Cover?

individual costs similar as blood tests, reviews.
Medical costs related to a person committing or trying to commit a felonious act or transgress the law.
Medical costs related to birth control, revocation and gravidity.
Cosmetic or plastic surgery and dental procedures unless they arise due to an accident.

How to Claim Your ICICI Lombard Health Insurance Plan?

To admit the claim on time, ICICI Lombard has to be communicated well in time via specified channels by the aspirant. The claim can be settled either by cashless or by payment claim.

Incase of a cashless claim, the ensured is directly admitted to a network sanitarium, the listed sanitarium will shoot the insured’s documents and bills to the insurance company, and also the claim will be settled with them directly. For agreement of cashless claims under ICICI Lombard health insurance plans, follow these way –

Find the nearest networked sanitarium.
corroborate the insured’s identity by submitting the health card or any other ID evidence.
Fill up and submit thepre-authorization claim form.
Get your claims reused and settled.

still, incase of a payment claim, the ensured have to stay till their plutocrat gets refunded from the insurance company. The payment claim process of ICICI Lombard health insurance plans is as follows

The ensured requirements to notify the company two days prior to the date of admission to the sanitarium.
In case of unforeseen and exigency hospitalization, the company needs to be informed within 24 hours of the hospitalization.
For inferring the health insurance claim, the buyer may call at the 24 × 7 risk-free number.
The buyer can also use the ‘ IL Take Care ’ app that ensures speedy claim agreement by participating policy details and uploading applicable documents.
The buyer can also communicate the head office along with the applicable documents.
Post inferring the claim, the buyer needs to fill the online claim form and upload the applicable documents to start the process.

Documents needed for Claim Payment

properly filled claim form with hand of the aspirant.
Valid identity evidence similar as Aadhaar card, Voter ID, passport, visage Card, and driving license.
tradition by a medical guru recommending hospitalization, tests and drugs.
drugstore bills, case papers and ambulance damage.
Insurance policy stating the name, address, illness and other details of the ensured.

Methodology

We've rated the ICICI Lombard health insurance programs on the base of following factors

Policy Terms and Conditions For buying an effective health policy, it becomes necessary to check the terms and conditions of the policy before actually copping

it.

Cost of the Policy Knowing about the periodic decoration, add- on charges and retired charges is more important than anything differently.

Cashless Network Hospitals Network sanitarium list is a major standard while choosing a policy. As per rearmost, ICICI Lombard has a network of further than 6500 hospitals where cashless installation can be profited.

Flexible Sum Insured Policy can be customized as per specific requirements by choosing the asked sum ensured with flexible add- on content options.

Renewability of Policy We've also taken into consideration how quick and easy it's to renew the policy formerly taken from ICICI Lombard.

Extra Benefits These include redundant benefits similar as free health scan, diurnal sanitarium cash, flexible sum ensured options, day care procedures, accretive perk etc.