ICICI Lombard

Health Insurance

ICICI Lombard Health Insurance

ICICI Lombard is a joint venture between India's ICICI Bank and Canada's Fairfax Holdings. It's one of the largest general insurance companies in India with products across motor, travel, home, and health, property insurances. It offers health insurance with sum insured of upto 50 lacs.

Network Hospitals - 6,500+

ICICI Lombard Health insurance plans

ICICI Lombard Health insurance claim process

ICICI Lombard Health Insurance claims can be of different types based on the hospital in which you are getting the treatment. If it’s part of ICICI Lombard's network hospitals, you can get a “Cashless claim” in which insurance company directly pays the bills to the hospital. But if your choice of hospital is not part of their network, then you have to pay the bills and apply for reimbursement claim. Here’s a brief process for both types of claims:

Cashless Claims

Inform the Hospital Desk

All network hospitals have an insurance desk. You can submit your policy copy (even soft copy works), ID proof, initial diagnosis report and the insurance desk will request the insurance company for “pre-authorization”. In case of planned treatments, you need to do this process 2 days before hospitalization

Insurer’s decision

Based on the provided documents, insurance company approve the claim and the hospital will start the treatment and they will co-ordinate with insurer for the treatment costs. In case of Cashless claim rejection, you can still go ahead with the treatment. In this case, you will need to pay the bills initially and can file for a reimbursement claim later

Discharge

If your cashless claim is approved, at the time of discharge, the insurance company will do the final settlement with the hospital and once that is sorted, you are good to go.

Reimbursement Claims

Inform the insurance company

For any planned treatments, you need to inform the insurance company 2 days before hospitalisation. In case of emergency, you can inform within 24 hours of admission. Insurance company will acknowledge the intimation.

Hospitalization

You need to submit a insurance claim form along with original copies of hospital bills, doctor consultation reports, and diagonstic reports.

File the claim

Within 30 days post discharge, you can initiate the claim online or at any of the registered offices of the insurance company. You need to fill a claim form and attach all the reports and bills.

Insurer’s decision

Based on the claim form and submitted documents, insurance company will settle the claims as per policy terms and conditions.

ICICI Lombard Customer Care

1800-2666

customersupport@icicilombard.com

www.icicilombard.com

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