Insurance products are designed and priced through complicated mathematical models. But we strive to explain the extent of coverage to you in a simple manner. From policy issuance to claims, you can count on us for keeping it simple. We have always gone the extra mile to make things clear, right from pre-sales to claims support.

The PMFBY was launched in 2016 and replaces all the prevailing yield insurance schemes in India. The scheme has extended coverage under localized risks, post-harvest losses etc. and aims at adoption of technology for the purpose of yield estimation. Through increased farmer awareness and low farmer premium rates the scheme aims at increasing the crop insurance penetration in India.


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The cashless hospitalisation feature is really useful. My wife's emergency surgery was completed with absolutely no delays. The network hospital attended to her immediately and admitted her on priority. Thanks guys!

Loved the easy, digital claims process, had to just upload images of my damaged car to register my claim. The claims advisor (Mr. Aakash Dhume) was very friendly and helped me dedicatedly in settling the claim.

ICICI Lombard General Insurance Company Ltd. is one of the leading private sector general insurance company in India offering insurance coverage for motor, health, travel, home, student travel and more. Policies can be purchased and renewed online as well. Immediate issuance of policy copy online.

ICICI trade logo displayed above belongs to ICICI Bank and is used by ICICI Lombard GIC Ltd. under license and Lombard logo belongs to ICICI Lombard GIC Ltd. Insurance is the subject matter of the solicitation. The advertisement contains only an indication of cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. CIN: L67200MH2000PLC129408

A medical insurance policy, also called as health insurance, covers medical expenses for illnesses or injuries. It reimburses your bills or pays the medical care provider directly on your behalf. A comprehensive medical insurance covers the cost of hospitalisation, daycare procedures, medical care at home (domiciliary hospitalisation), ambulance charges, amongst others.

A health insurance plan helps you stay covered against various diseases. Additionally, it helps you boost tax savings. Under section 80D of the Income Tax Act, 1961, you can claim tax benefits against your health insurance premium.

Have the freedom to choose any hospital for your & your family's treatment without worrying about your finances. Avail cashless hospitalisation benefits not just at network hospitals but at any hospital near you. You no longer have to find a network hospital or wait for the claim refunds. With cashless hospitalisation benefits at any hospital, you can fast-track your and your family's recovery without any added stress from hospital bills.

ICICI Lombard's Befit plan is tailored to cover the expenses of all your minor and severe health concerns, including teleconsultation with the doctor, pharmacy, and routine diagnostics on a cashless basis.

Health Booster policy makes your health insurance more potent. It is a super top-up plan that acts as a backup in case your base plan gets exhausted. You can also purchase a Health Booster plan with ICICI Lombard without having a base plan.

Get coverage for your OPD requirements on a cashless basis. Befit covers your expenses across physical and virtual consultation by general, specialist and super-specialist doctors as well as physiotherapy sessions. This cover also caters to your other out of pocket expenses such as pharmacy, minor procedures, routine diagnostics and wellness program.

It is the bonus amount that is added to your sum insured for every claim-free year. While you can earn up to 10% additional sum insured with ICICI Lombard Health AdvantEdge and Health Booster policy, you can earn up to 5% with Arogya Sanjeevani Policy, ICICI Lombard. The maximum cumulative bonus that can be earned across our health insurance plans is 50%.

You can purchase our add-ons at an additional premium. If you wish to customise your health plan with our add-ons that cover maternity, donor and OPD expenses, then you can consider ICICI Lombard Health AdvantEdge policy. We also let you customise our Health Booster policy with add-ons like critical illness cover critical illness cover, personal accident cover, hospital daily cash, etc.

Before purchasing a health insurance plan, see whether your policy covers pre-existing illnesses or not. There is usually a waiting period for certain medical conditions under health insurance. Check your health policy for it before buying.

If you are planning to secure your family, a family floater health insurance is ideal for you. By paying a single premium for family floater health insurance, you may cover your parents as well as your children.

If you are young and have just started your career, an individual insurance plan will be a great idea for you. Being young and free from any pre-existing illness, you can get the health policy for an affordable premium.

Under this add-on, we cover serious medical conditions such as cancer of specified severity, open chest CABG, first heart attack of specified severity, and kidney failure requiring regular dialysis.

If you are above 56 years of age, you need to undergo a medical check-up at our designated centre. Depending upon your health condition and any pre-existing disease, your eligibility for health insurance will be determined.

When compared to group health insurance or family floater policies, purchasing a separate policy for each member of your family will result in a higher premium. In addition, health insurance add-ons also raise the cost of your policy's premium.

Any condition, ailment or injury or related condition(s), for which you have had signs or symptoms, and/or were diagnosed, and/or received medical advice/treatment, within 48 months prior to the first policy with the insurance company is called a pre-existing disease.

Health insurance plans provide cover for unexpected medical expenses. It covers an array of costs incurred on daycare procedures, hospitalisation, ambulance and domiciliary hospitalisation. Apart from this, you can also get tax benefits on your health insurance policy.

It is recommended that you obtain a health insurance policy as soon as possible. Purchasing insurance at a young age allows you to earn an additional sum insured for every claim-free year under your policy. And as you get older, you will be able to accumulate higher and better coverage.

If you get admitted to a non-network hospital, you have to pay for the medical treatment costs out of your pocket. Post-discharge, you can submit all the relevant documents such as medical bills and ambulance receipts for the reimbursement claim. Post verification, the claim amount will be transferred to your bank account.

In case your policy has an outpatient treatment cover, then waiting periods are not applicable. A claim under outpatient treatment cover can be made in accordance with the claims procedure mentioned in the policy wordings.

In case of hospitalisation on account of COVID-19, the hospitalisation expenses incurred will be covered provided the illness is contracted after completion of 15 days in case of a fresh policy. In case of a policy that has been renewed continuously without a break or in case of policies that have been ported in to ICICI Lombard, the 15 day condition will not be applicable.

In case the quarantine is in a hospital on the advice of a medical practitioner, then the medical expenses incurred will be covered in accordance with the policy terms and conditions. However, expenses incurred on account of self-quarantine or quarantine at home will not be covered.

In case your policy has an outpatient treatment cover, then consultations with a medical practitioner and diagnostic tests as advised by a medical practitioner will be covered up to the sum insured. A claim under outpatient treatment cover can be made in accordance with the claims procedure mentioned in the policy wordings.

Further, in case there is hospitalisation on account of COVID-19 and the same has been paid under the policy, then all expenses related to COVID-19 incurred on account of consultations with a medical practitioner and diagnostic tests as advised by a medical practitioner in the 30 day period prior to date of admission and 60 day period after date of discharge will be covered in accordance with the policy terms and conditions.

Travel insurance safeguards you financially from various unpleasant situations that may arise during your trip. The plan covers you whether you are heading overseas for a holiday, business meeting or education.

Some of the key travel insurance benefits include emergency evacuation, medical expenses coverage due to COVID-19, medical emergency assistance, trip cancellation cover and lost or delayed baggage coverage.

Need to fly abroad for an urgent business meeting but your insurer is delaying travel insurance owing to pending medical screening? If so, get an instant travel insurance quote with us without having to undergo a medical examination.

If you have to cancel your trip due to a medical condition or medical emergency in your family our one trip holiday insurance for your single trip takes care of your losses that arise due to the trip cancellation. 152ee80cbc

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