Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded. Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment are excluded. |
Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. This also includes: |
Obesity/ Weight Control: Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions: |
Gender treatments: Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. |
Hazardous or Adventure sports: Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to, para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving. |
Breach of law: Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. |
Excluded Providers: Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer and disclosed in its website / notified to the policyholders are not admissible. However, in case of life threatening situations or following an accident, expenses up to the stage of stabilization are payable but not the complete claim. |
Circumcision whether or not necessitated by vaccination or inoculation or change of life or cosmetic or aesthetic treatment of any description, plastic surgery unless necessary for treatment of a disease not excluded by the terms of the policy or as may be necessitated due to treatment of an accident. |
Cosmetic or plastic Surgery: Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured. For this to be considered a medical necessity, It must be certified by the attending Medical Practitioner. |
Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereof. |
Treatments received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons |
Dietary supplements and substances that can be purchased without prescription, including but not limited to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or day care procedure. |
Expenses related to the treatment for correction of eye sight due to refractive error less than 7.5 dioptres. |
Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. Unproven treatments are treatments, procedures or supplies that lack significant medical documentation to support their effectiveness |
Sterility and Infertility: Expenses related to sterility and infertility. This includes: |
The cost of spectacles and contact lenses, hearing aids. |
Dental treatment or surgery of any kind unless requiring hospitalisation. |
Convalescence, general debility, run-down condition or rest cure, congenital external disease or defects or anomalies, , intentional self-injury (whether arising from an attempt to suicide or otherwise) and use of intoxicating drugs and/or alcohol. |
Charges incurred at Hospital or Nursing Home primarily for diagnostic, X-Ray or laboratory examinations or other diagnostic studies not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any diseases, illness or injury whether or not requiring Hospitalisation/ Domiciliary Hospitalisation. |
Expenses on vitamins and tonics unless forming part of treatment for injury or disease as certified by the attending Medical Practitioner. |
Diseases, illness, accident or injuries directly or indirectly caused by or contributed to by nuclear weapons/materials or contributed to by or arising from ionising radiation or contamination by radioactivity by any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel. |
Voluntary medical termination of pregnancy during the first 12 weeks from the date of conception. |
Maternity: |
Naturopathy treatment |
FAQs
What is covered in ICICI Lombard health insurance? ›
The Coverage Entails:
intensive care unit charges, surgeon's and doctor's fee, anesthesia, blood, oxygen, operation theatre charges etc. incurred during hospitalisation for a minimum period of 24 consecutive hours are covered under the basic hospitalisation cover.
- Go to Service Request.
- Select 'Increase/Decrease Debit Card Limit'
- Set your desired card limit.
According to Claim statistics for FY 2021-22 and computed basis individual claims settled (paid) over total individual claims within 30 days the health insurance claim settlement ratio of ICICI Lombard is 97.07%.
Which insurance is best for health? ›Best health insurance plans in India - 2024 | Entry age (Min-Max) |
---|---|
Aditya Birla Group Activ Health Plan | 18 years and above |
Niva Bupa Health Plus | 18-60 years |
Bajaj Allianz Health Guard Insurance Plan | Age (adults): 18-65 years Age (dependent children): 91 days to 25 years |
- Check Network. Check whether the shortlisted hospital is approved by your insurance provider. ...
- Get In Touch. Submit the claim request along with documents (like Cashless identification card) prior to the hospitalization.
- Await. ...
- Enjoy Cashless Service.
- Step 1: You intimate the claim. ...
- Step 2: You get your papers ready. ...
- Step 3: You fill & submit the claim form. ...
- Step 4: We go through your claim request.
“A retail customer can transfer up to a maximum of ₹20 lakh in a day using both mobile and internet banking channels such as RTGS, NEFT, IMPS and UPI. Customers can always use the branch channel for transferring money beyond this limit.
How to transfer 5 lakhs in one day ICICI? ›IMPS: To transfer money via IMPS using the iMobile Pay app, Rs. 5 lakh is the transaction limit if the transfer is made using account number and IFSC per transaction. The daily limit is set at Rs.
How can I increase my Icici daily limit? ›You may call our Customer Care from your registered mobile number. Note: Request for change in debit card daily cash withdrawal or transaction limit. Inform if limit change needs to be done temporarily for one day or permanently.
How long does it take for Icici Lombard claim to settle? ›Once the verification process is completed, and the insurer confirms there is no discrepancy in the claim application, your claim will be settled. The insurer is obligated to settle your claim within 30 days of the submission of all the relevant documents.
Which is the best health insurance company in India? ›
S.No | Company Name | Incurred Claim Ratio (2022-23) |
---|---|---|
1. | Acko General Insurance Co. Ltd. | 83.88 |
2. | Bajaj Allianz General Insurance Co. Ltd. | 74.27 |
3. | Cholamandalam MS General Insurance Co. Ltd. | 67.88 |
4. | Future Generali India Insurance Co. Ltd. | 79.18 |
Soon after you are released from the hospital, collect all invoices, discharge letters, and medical screening reports. Fill out the claim form and upload the documents online. The ICICI Lombard claim team will verify your information. If your details are genuine, your claim will be settled within the next 15 days.
What are the top 3 health insurances? ›- Best Overall: Blue Cross Blue Shield.
- Highest Quality Plans: Kaiser Permanente.
- Most Health Management Programs: Oscar.
- Best for Same-Day Care: Aetna CVS Health.
Preferred provider organization (PPO) plan. Health maintenance organization (HMO) plan.
What are all the different products offered by ICICI Lombard? ›- Motor Insurance.
- Two Wheeler Insurance.
- Health AdvantEdge.
- MaxProtect.
- Health Booster.
- Arogya Sanjeevani Policy, ICICI Lombard.
- Business Insurance.
- Third Party Insurance.
- Products. Products. Motor Insurance. Car Insurance. Two Wheeler Insurance. Health Booster. Business Insurance. Crop Insurance.
- Mobile Claims - M-Kash.
- Business Insurance.
- Testimonials. Blog.
- Click on the 'Login' tab.
- Enter your email ID and password. Click on 'Login'.
- Once you are logged in, you will be able to check online all the details regarding your policy.
At ICICI Lombard, we offer critical illness for 9 diseases, including cancer, open-chest CABG, and end-stage kidney disease.