Our Verdict
ICICI Lombard health insurance offers comprehensive coverage with a wide network of over 7,500 hospitals. Its policies cater to various needs, such as maternity, critical illness, and outpatient care. The insurer provides several add-ons and customization options for enhanced protection, but concerns about its claim settlement ratio (85%) and certain policy restrictions like room rent limits are notable. Despite these drawbacks, its extensive hospital network and flexible options make it a solid choice for those seeking tailored health insurance solutions. For more details, visit the official page.
Pros
Restoration benefits
Access to 100% restoration benefits
Customer service
A responsive customer App with chatbot facility for all customer requests.
CIBIL score benefits
Access to a discount upto 15% based on a good CIBIL score.
Extensive coverage
Many critical illness plans covering 92 major and minor illnesses, including a no waiting period policy for chronic conditions. Deemed as the best in the market
Pros
Cons
Co-payment in high city zones
In case you choose to take treatment in a higher zone there would be co-payments on the total bill, you can pay an additional premium while buying the policy to remove this as well.
Cons
Company Stats
Industry Avg.
ICICI Lombard Health Insurance
Gross Direct Premium
Industry Avg.
ICICI Lombard Health Insurance
ICR%
Rating 9/10
About the Company
ICICI Lombard is a leading private sector general insurance company in India, offering a comprehensive range of products, including health, motor, travel, and home insurance, through multiple distribution channels.
Their Elevate Health Policy is a customizable health insurance plan designed to provide extensive coverage for hospitalization and daycare treatments. Key features include unlimited reset of the sum insured, cashless approval within two hours, and a 30% discount on renewals for active living. Additionally, the plan offers a 100% increase in the sum insured every year and unlimited sum insured on any one claim during the policy lifetime, ensuring policyholders have access to necessary medical care without financial strain.
CEO and MD of ICICI Lombard general insurance company limited, Mr Sanjeev Mantri ensures that their vision and values align with providing a financial cushion to the policyholders during any health crisis.
KYC Documents Required
Aadhar Card
Voter ID Card
PAN card
Passport
Claim Settlement
Cashless Claim
Reimbursement Claim
Renewal
Online Renewal
Offline Renewal
Key points to remember during Renewals
Customer Support
Talk to an OneAssure Insurance Expert for FREE.
Toll Free - 1800 2666,
E-mail - ihealthcare@icicilombard.com
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