There are several health plans but choosing the right one can be difficult. Let us help you to choose the Best Health Insurance Company for you and your loved ones. If you and your circle are looking for a company that provides the best coverage, easy claim process, and overall services then ICICI Lombard Health Insurance will be the most suitable option.

ICICI Lombard Health Insurance has become a choice of every single person, resulting in the ICICI Lombard Claim Settlement Ratio of 97.7% helps in your emergency case. The claim settlement ratio is an important piece of any Health Insurance policy and it should be considered while selecting an insurance provider from the one to whom to buy insurance. 


What is the Claim Settlement Ratio?

Most of you have heard of CSR which is Claim Settlement Ratio. This CSR is an indicator of the process efficiency of the company. Whenever an insurance company has a CSR higher than 80% is considered a good claim settlement ratio service whereas more than 90% CSR is considered a great valued provider. So before you make your decision on any company make sure they have an 80%-90% between-claim settlement ratio, that will be credible and reliable for you.

What is ICICI Lombard Claim Settlement Ratio?

According to the yearly report of IRDAI 2022-23, the ICICI Lombard Claim Settlement Ratio is 99.7%. ICICI Lombard Health Insurance Claim Settlement Ratio is one of the best insurance providers in the Medical Insurance Industry.


What is ICICI Lombard Claim Settlement Ratio Process?

  • Step 1: Connect ASAP

Contact the claim settlement executive team by calling 1800 2666, their medical emergency number.

  • Step 2: Verify

Provide all necessary details and verify the information with the executive.

  • Step 3: Track

Keep track of the claim processing status through regular updates provided by ICICI Lombard.

  • Step 4: Confirmation

Upon successful verification and processing, receive confirmation of claim settlement.

  • Step 5: Done

Once the claim is settled, you will receive the reimbursement or cashless hospitalization benefits as per your policy.

What is ICICI Lombard Cashless Hospitalization Claim Procedure?

  • Inform ICICI Lombard in advance about the planned hospitalization.
  • Choose a network hospital for cashless treatment.
  • Show your ICICI Lombard health insurance card at the hospital.
  • The hospital will coordinate with ICICI Lombard for direct settlement of bills.

What is ICICI Lombard Reimbursement of Hospitalization Expenses Claim Procedure?

  • Pay for the medical expenses upfront.
  • Collect all original documents related to the treatment and expenses.
  • Fill out and sign the claim form.
  • Submit the claim form and documents to ICICI Lombard for reimbursement processing.

List of Documents required for ICICI Lombard Health Insurance Claim

  • Signed claim form (also signed by treating doctor).
  • Payment receipts from the hospital.
  • Hospital discharge summary.
  • Consultation papers from the doctor.
  • Detailed hospital bills (final & interim).
  • Chemist bills with doctor's prescription.
  • Original investigation reports (X-ray, blood reports, MRI scan, etc.).
  • Detailed bills for miscellaneous charges.
  • Implant invoice/sticker (if applicable).
  • FIR report/ Medico-legal certificate (MLC) (for accidental cases).
  • Copy of ICICI Lombard health insurance card.
  • Other documents as per the case requirements.

10 Key Benefits of Using ICICI Lombard Health Insurance Claim

  1. Comprehensive Coverage

ICICI Lombard offers a wide range of health insurance plans with comprehensive coverage, including hospitalization expenses, pre and post-hospitalization costs, ambulance charges, etc.

  1. Cashless Hospitalization

Access to a vast network of hospitals for cashless treatment, providing convenience during medical emergencies without the need for immediate out-of-pocket expenses.

  1. Quick Claim Settlement

Efficient claim settlement process, with quick verification and approval, ensuring timely reimbursement or direct settlement of bills.

  1. Transparency

Transparent claim process with clear guidelines and documentation requirements, minimizing confusion and hassle during claim filing.

  1. Wide Acceptance

ICICI Lombard health insurance cards are widely accepted at network hospitals across the country, offering flexibility in choosing healthcare providers.

  1. Customer Support

A dedicated customer support team is available 24/7 to assist with claim-related queries and provide guidance throughout the process.

  1. Value-added Services

Additional benefits such as health check-ups, wellness programs, and discounts on health-related services add value to the policyholder's healthcare experience.

  1. No Claim Bonus (NCB)

Rewarding policyholders with NCB benefits for claim-free years, reducing the premium amount, or increasing the sum insured as per the policy terms.

  1. Tax Benefits

Eligibility for tax benefits under Section 80D of the Income Tax Act, providing relief on the premium paid towards health insurance.

  1. Customizable Plans

Flexibility to choose from various policy options and add-on covers according to individual healthcare needs, ensuring personalized coverage.



With an impressive claim settlement ratio of 99.7%, ICICI Lombard Health Insurance stands out as a reliable choice for individuals prioritizing the well-being of their families. Opting for the right health insurance provider is important, and ICICI Lombard provides comprehensive coverage and efficient claim settlement processes, ensuring better hospitalization and peace of mind for policyholders.

Compare your coverage demands and buy Health Insurance for a healthier and happier future for you and your loved ones.


Q1. What is covered under my ICICI Lombard health insurance policy?

Ans: Coverage typically includes hospitalization expenses, pre and post-hospitalization costs, ambulance charges, day-care procedures, and sometimes even maternity benefits, depending on the chosen plan.

Q2. Are pre-existing medical conditions covered under ICICI Lombard health insurance?

Ans: Yes, pre-existing medical conditions may be covered after a waiting period as specified in the policy terms and conditions.

Q3. What is the process for adding family members to my existing health insurance policy?

Ans: You can add family members to your existing policy by contacting ICICI Lombard and providing the necessary details and documents as required.

Q4. Does ICICI Lombard offer any wellness benefits or value-added services?

Ans: Yes, ICICI Lombard provides wellness benefits such as health check-ups, teleconsultation services, and discounts on health-related services to policyholders.

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