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ICICI Lombard General Insurance

ICICI Lombard General Insurance

ICICI Lombard General Insurance

ICICI Lombard overview

ICICI Lombard is one of the the leading private general insurance company in the country funded by ICICI Bank- India’s second largest bank and Fairfax Financial Holdings Limited which offers a comprehensive range of well-diversified products through various distribution channels.

ICICI Lombard’s products encompass motor, health, crop, fire, personal accident, marine, engineering, and liability insurance. With a remarkable legacy of over 21 years, the company remains steadfast in its commitment to customer-centricity, as reflected in its brand philosophy of ‘Nibhaaye Vaade’. Impressively, they have issued more than 32.7 million policies, successfully settling 3.6 million claims, and achieved a substantial Gross Written Premium (GWP) of ₹217.72 billion as of March 31, 2023.

With a wide-reaching presence comprising 305 branches and a dedicated workforce of 12,865 employees, ICICI Lombard continues to be a prominent player in the insurance industry.

Key features

ICICI Lombard's claims process

ICICI Lombard’s Health Insurance is a highly recommended choice due to its efficient cashless settlement process, which typically takes only 1 to 2 hours. In cases where cashless settlement is not possible, reimbursement settlements are processed within approximately 10 to 15 days. The advantage of paperless reimbursement claims means that even if your hospital is not part of the cashless network, you won’t face any additional hassles.

ICICI Lombard also provides the option of external Third Party Administrators (TPAs) to handle certain aspects of the claims process plus in-house TPAs.

Steps to file a Group Health Insurance claim with ICICI Lombard: 
For cashless treatment : 
  1. Locate a ICICI Lombard 

    Find an ICICI Lombard network hospital in the city where you wish to receive cashless treatment for your group health insurance policy.

  2. Inform ICICI Lombard

    When you arrive at the hospital, present your ICICI Lombard Insurance Policy Cashless Card or provide your policy number. 

  3. Carry Essential Information
    When visiting the network hospital, bring your cashless treatment card, policy number, and member ID for a seamless claims process.
  4. Share Details with Hospital Insurance Desk
    Provide your card or policy number and member ID to the hospital’s insurance desk for cashless claims assistance.
  5. Complete the Pre-Authorization Form
    Accurately fill out the pre-authorization form available at the hospital to initiate the claims process.
  6. Hospital Sends Form to ICICI Lombard
    After you’ve completed the form, the hospital sends the pre-authorization form to ICICI Lombard.
  7. Await Approval or Rejection
    ICICI Lombard team reviews the claim details and informs both the policyholder and hospital about the approval or rejection of the claim.
Remember to follow these steps to ensure a smooth cashless claims experience with your ICICI Lombard health insurance plan.

For reimbursement treatment : 

  • Inform ICICI Lombard: For planned hospitalization, notify the company 3 days before admission. Incase of emergencies, inform within 24 hours of hospitalization.
  • Submit Claim Form: Complete and submit the claim form with all required documents, as per your group health insurance plan’s terms and conditions.
  • Approval Letter: Upon approval, the policyholder will receive a letter of approval from ICICI Lombard Health Insurance’s claim management team.
  • Reimbursement: After approval, the reimbursement amount will be processed within 10 to 15 days.

Follow these straightforward steps for a hassle-free reimbursement claims process with your ICICI Lombard’s group health insurance plan

Documents required a Group Health Insurance claim with ICICI Lombard: 

  1. Original investigation reports
  2. Final hospital discharge summary
  3. FIR or post-mortem report if happened
  4. Pharmacy bills along with the prescription
  5. Original bills, receipts, and discharge report
  6. Indoor case papers and duly-filled claim form
  7. Original hospital bills and a valid photo ID proof
  8. Treating doctor’s report, and original consultation notes
  9. Nature of operation performed and surgeon’s bill and receipt
  10. Test reports along with attending doctor’s or surgeon’s report

ICICI Lombard x Healthysure advantage

Streamline your claims effortlessly with Healthysure’s expert support team by your side.

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ICICI Lombard's group health insurance plans

With ICICI Lombard’s corporate insurance plans, you have the option to design a custom insurance plan with : 

At Healthysure, we are dedicated to helping businesses find the perfect Group Health Insurance solutions that cater to their employees’ specific needs. We take great pride in offering ICICI Lombard’s flexible Group Health Insurance plans, which are carefully designed to address the diverse requirements of different workforces.

ICICI Lombard’s Group Health Insurance policies are comprehensive and affordable, enabling you to provide exceptional healthcare benefits to your employees without burdening your financial resources.

The pricing of these Group Health Insurance plans from ICICI Lombard is influenced by factors such as team size and coverage options. To obtain accurate quotes for your organization, simply reach out to our knowledgeable team at Healthysure. We are here to assist you in finding the ideal coverage plan that fits your budget while ensuring the well-being of your employees.

Choose Healthysure as your trusted partner for ICICI Lombard Health Insurance solutions, safeguarding your team’s future with flexible and budget-friendly Group Health Insurance plans. Get in touch with us today to receive instant and personalized quotes for Group Health Insurance, ensuring the health and happiness of your valued employees.

ICICI Lombard 🤝 Healthysure advantage

Never compromise on quality healthcare – Get unbeatable affordability with Healthysure and ICICI Lombard!

ICICI Lombard reviews

Vinodkumar Shinde
Good team work
Read More
I really want to thank the Healthysure team who helped me make a claim under my ICICI Lombard insurance policy that covers my family. I took help from the Healthysure team and it was only because of them that my claim got approved on time.
Excellent Coverage
Read More
The ICICI Lombard Health Insurance Policy that I bought for my team from the Healthysure portal, provides adequate coverage options and offers discounts to help you save even more on your premium.
Transparent Pricing and Policy Terms
Read More
The pricing and terms are clearly laid out by the ICICI Lombard Health Insurance Policy, leaving no room for confusion or surprises.

ICICI Lombard FAQs

You can WhatsApp to the ICICI Lombard team for support on 7738282666

The group health insurance plans or corporate health insurance plans offered by ICICI Lombard can vary based on factors such as the specific members covered, the features included in the policy, and the type of policy chosen.

To obtain immediate and cost-free quotes for your team, the recommended approach is to contact the Healthsure team using the information provided below👇

A Third-Party Administrator (TPA) is a healthcare service provider approved by IRDAI (Insurance Regulatory and Development Authority of India). TPAs facilitate access to network hospitals, ensure prompt claim settlement, and offer cashless hospitalization services. On the other hand, insurers establish an in-house claim settlement system within their company to handle these same tasks.

You can call ICICI Lombard Health support at 1800 103 2292

Claims Settlement Ratio (CSR) is the percentage of claims settled by the insurance company against the no. of claims obtained in a financial year.

ICICI Lombard’s group health insurance has a claim settlement ration of 99% 

Cashless hospital network list for ICICI Lombard can be seen here

Imagine you have a jar full of candies. The solvency ratio is like a way to see if you have enough candies to share with your friends, but also keep some for yourself. If your jar has a high solvency ratio, that means you have a lot of candies and can share them without any problem. If the ratio is low, you might run out of candies and that wouldn’t be fun. Businesses use the solvency ratio to make sure they have enough money to pay their bills and still have some left for other things.

ICICI Lombard has a solvency ratio of 2.46  (IRDAI recommended: >1.5)

Looking for the ideal health coverage for your employees?🤔

Get in touch with us for personalized recommendations and quotes tailored to your company’s requirements. Don’t let uncertainty cloud your decision-making process. Schedule a no-cost consultation with our corporate health insurance advisors to gain clarity and make informed choices.

Note : Details compiled from various sources. Numbers are for Group Health Insurance plans by ICICI Lombard.

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