When it comes to protecting yourself and your loved ones from unexpected medical expenses, ICICI Lombard health insurance offers one of the most trusted and comprehensive health coverage options in India. Through Quickinsure, exploring and comparing different ICICI Lombard plans becomes effortless, allowing you to choose policies that best match your healthcare needs and financial goals.

Why Choose ICICI Lombard Health Insurance?

ICICI Lombard is one of India’s leading private sector general insurance companies, known for its wide array of health insurance plans. The company provides customized policies to suit individuals, families, and even senior citizens, making healthcare more accessible and affordable.

Key Benefits:

• Wide Network of Hospitals: Enjoy cashless hospitalization at 6500+ network hospitals across the country.

• High Claim Settlement Ratio: Ensures peace of mind with a high rate of settled claims.

• Tax Benefits: Premiums paid are eligible for tax deduction under Section 80D of the Income Tax Act.

• 24/7 Customer Support: Dedicated support team for assistance and queries.

Popular ICICI Lombard Health Insurance Plans

ICICI Lombard offers a diverse range of policies. Here are some of the most popular ones:

1. Complete Health Insurance Plan

Ideal for individuals and families, this plan provides comprehensive coverage including pre and post-hospitalization expenses, daycare procedures, and domiciliary hospitalization.

2. Health Booster Plan

This top-up plan is perfect for people who already have a base health insurance policy. It offers higher coverage at a lower premium, useful when your existing policy sum insured gets exhausted.

3. Personal Protect Plan

This personal accident insurance plan offers financial protection in case of accidental death or permanent disability.

4. Corona Kavach Policy

Designed specifically for COVID-19 treatment, it covers hospitalization expenses, home care treatment, AYUSH treatment, and pre/post-hospitalization.

Features That Make ICICI Lombard Health Insurance Stand Out

Extensive Coverage Options

From minor daycare procedures to major surgeries, ICICI Lombard health insurance covers a wide range of medical treatments.

Lifelong Renewability

Once you buy a policy, you can continue renewing it for a lifetime without age restrictions, ensuring long-term health protection.

Wellness Programs

Some plans come with wellness benefits and rewards for maintaining a healthy lifestyle, which can be redeemed against future premiums.

Value-Added Services

You get access to services like health check-ups, e-consultations, and discounts on pharmacies and diagnostic centers.

Understanding the Refill in Health Insurance Feature

One of the noteworthy features in ICICI Lombard’s offerings is the refill in health insurance benefit. If your sum insured is exhausted due to previous claims in a policy year, this feature automatically restores the full sum insured for any new and unrelated illness or accident. This ensures continuous coverage without additional cost during emergencies.

How to Buy ICICI Lombard Health Insurance on Quickinsure

Quickinsure simplifies the process of buying and renewing health insurance. Here’s how you can get started:

Step 1: Visit Quickinsure's Health Insurance Section

Choose ‘ICICI Lombard Health Insurance’ from the list of insurers.

Step 2: Compare Plans

Use Quickinsure’s comparison tools to evaluate features, premiums, inclusions, and exclusions of different plans.

Step 3: Choose the Best Policy

Select the plan that best suits your needs and click on ‘Buy Now’.

Step 4: Fill in the Details

Provide your personal and health-related details to complete the application process.

Step 5: Make Payment

Complete the secure payment and receive your policy documents instantly via email.

What to Consider Before Buying

To ensure you make an informed decision, here are a few important things to keep in mind before purchasing any health insurance plan:

• Age and Health Conditions: Some plans may have entry age limits or medical underwriting for pre-existing conditions.

• Coverage Limits and Sub-Limits: Be aware of room rent limits, disease-specific caps, and other sub-limits.

• Waiting Periods: Most policies come with initial waiting periods, including specific waiting periods for pre-existing illnesses.

• Co-Payment Clauses: Some plans may require a percentage of the bill to be paid by the policyholder.

• Network Hospitals: Ensure your preferred hospitals are part of the insurer's cashless network.

Claim Process Made Simple

Filing a claim with ICICI Lombard is straightforward and hassle-free:

For Cashless Claims:

1. Get treated at a network hospital.

2. Notify the insurer and submit pre-authorization.

3. Get cashless approval and treatment without paying from your pocket.

For Reimbursement Claims:

1. Pay the hospital bills directly.

2. Submit claim documents with receipts.

3. Get reimbursed after claim verification.

Why Choose Quickinsure for ICICI Lombard Health Insurance?

Quickinsure offers a user-friendly platform with various benefits that enhance your insurance buying experience:

• Free Expert Assistance: Guidance from health insurance experts.

• Transparent Comparisons: Easy-to-understand comparisons of multiple plans.

• Secure Transactions: Safe and encrypted payment systems.

• Instant Policy Issuance: Get your policy documents delivered quickly to your inbox.

Final Thoughts

ICICI Lombard health insurance, available on Quickinsure, is a reliable and comprehensive solution to safeguard your health and finances against medical emergencies. With features like wide coverage, refill in health insurance, and a vast network of hospitals, it ensures that quality treatment is always within your reach. By choosing the right plan and buying it through Quickinsure, you can ensure peace of mind and financial stability for the future.