ICICI Lombard General Insurance 
Claim Settlement Ratio 87.71%
Claim Settlement Facility 100%
Network Hospitals 6700
Renewability 100%
COVID-19 Cover Yes
Incurred Claim Ratio 72%
ICICI Lombard complete health insurance policy has no sub limits on hospital room rent. Customers can opt for any of the hospital rooms, even a private ward and the insurance company will bear the expenses for the same. The maximum amount of liability of the insurance company under this section is the sum insured under the policy.
ICICI Lombard health insurance plan offers free health check-up every year on a complimentary basis. The health checkup would be available to two adults under the policy. A health checkup coupon would be given to the insured every year on a complimentary basis.
ICICI Lombard complete health insurance policy doesn't have a co-payment clause which means that the insured need not pay anything at the time of claim settlement. Co-pay is the amount of claim that has to be borne by the insured from out of pocket expenses.
ICICI Lombard health insurance plan provides Additional Sum Insured protection. Under this plan the additional sum insured accrued by the insured would remain intact and not be affected or reduced at the time of renewal if there was a anyone claim or multiple claims during the previous year subject to the claim amount not exceeding ₹50,000.
ICICI Lombard health insurance plan provides the critical illness cover of up to sum insured for sum insured amount of ₹10 lakhs and below, for sum insured above ₹10 lakhs 50% of the basic sum insured would be covered. The critical illness cover is available only for the specified critical Illness mentioned under the policy.
ICICI Lombard health insurance plan provides the personal accident cover up to the sum insured upon the unfortunate event such as death or Disability resulting from an accident.
ICICI Lombard complete health insurance plan offers rewards points which can be earned through some wellness activities. These activities include joining a yoga center, going for a medical check-up, participating in a health or fitness event organized by the company etc. These reward points can be redeemed on OPD bills for doctors consultation, medicine and drugs, diagnostic expenses, dental expenses etc.
