ICICI Lombard Health Insurance Renewal Process: Online & Offline Steps

While buying a comprehensive personal health insurance policy is important, keeping it active through timely renewals is even more crucial. Renewing on time helps you retain the waiting periods you have already served and ensures you don’t lose renewal benefits like the no-claim bonus and other accumulated advantages.

If you have an ICICI Lombard health insurance plan, the renewal process is straightforward. In this guide, we explain the complete process and why maintaining continuous coverage is important.

How to Renew an ICICI Lombard Health Insurance Policy?

1. ICICI Lombard Health Insurance Renewal Through the Official Website

Step 1: Go to the ICICI Lombard Renewal page.

Step 2: Enter your Policy Number and Phone number.

Step 3: Review your current plan. Here, you can also opt to increase your Sum Insured or add riders.

Step 4: Pay the premium using UPI, Credit/Debit Card, or Net Banking.

Step 5: Download your renewed policy document immediately.

After successful payment, you receive an instant confirmation. The renewed policy document is also sent to your registered email. 

2. ICICI Lombard Health Insurance Renewal Through the "IL TakeCare" App

The mobile app is convenient for managing your policy on the go.

Step 1: Download the “IL TakeCare” app from the Google Play Store or Apple App Store.

Step 2: Log in using your registered mobile number and OTP.

Step 3: On the dashboard, locate your active policy. If it is near expiry, a "Renew Now" notification will appear.

Step 4: Tap “Renew now”, double-check the premium amount along with your policy details and add-ons, and then proceed to the payment gateway.

Step 5: Once paid, your policy will be updated in the "My Policies" section of the app.

3. ICICI Lombard Health Insurance Renewal: Offline Process (Branch or Customer Care)

Use this alternative if you prefer personal assistance or need to make complex changes (like adding a new family member which might require extra forms).

• Through Customer Care: Call the 24X7 toll-free number 1800 2666. The executive will verify your details and send a secure payment link to your email or SMS.
• At a Branch Office: 
  • Visit the nearest ICICI Lombard branch. 
  • Carry your previous policy document and an ID proof (Aadhaar/PAN). 
  • Fill out the renewal form. 
  • Pay via Cheque or Demand Draft (Cash is generally discouraged for high-value premiums). 
  • Collect your payment receipt. The final policy will be posted to your address or emailed within a few days.

ICICI Lombard Health Insurance Renewal Grace Period

ICICI Lombard health insurance also offers a grace period of 15 days for policies paid for with monthly installments and 30 days for all other cases. This period allows you to renew your existing policy after expiry without losing accumulated continuity benefits.

You can still renew your policy during the grace period, but your coverage stays inactive until the renewal premium is paid. Claims made during this time are usually not accepted. In some cases, the insurer may deduct the pending premium from the claim amount or ask you to clear the dues before settlement. If you miss the grace period, you may lose continuity benefits permanently.

Note: If renewal is not completed within the grace period, your policy may lapse. You will then need to buy a new policy, which involves fresh underwriting, a new health assessment, and possible changes in premium and coverage.

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Conclusion

Renewing your ICICI Lombard health insurance is quick and hassle-free when done online or through the mobile app. The key is to renew before the expiry date so you don’t lose continuity benefits, bonus, or active coverage.

While renewing, always take a moment to review your insurer’s recent performance figures, such as the claim settlement ratio and average complaints per 10,000 claims. This helps you check that the insurer is still performing well and that your plan continues to offer comprehensive coverage.

Note: ICICI Lombard is one of Ditto’s partner insurers. All the info for this article is sourced from their own website and other publicly available sources