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India is a nation of the young aspiring to achieve their goals. When you are young, you plan and save for your dream car, dream home or vacation to a dream destination, but buying health insurance never crosses your mind until you have a family. This happens because it is difficult to choose a health insurance cover from the vast number of choices available in the market, and finding the right amount of coverage is even more difficult.
IRDAI introduced Arogya Sanjeevani Policy to solve this problem and made it compulsory for all insurance companies to provide this standardised product.
ICICI Lombard Arogya Sanjeevani Policy takes care of your medical expenses when you are hospitalised. It is suitable for the basic coverage needs of the customers. ICICI Lombard General Insurance Company offers 24x7 customer support for claim settlement with speedy claim approvals through a network of 6500+ health network providers.
To understand the ICICI Lombard Arogya Sanjeevani Policy, let us look at the coverage and benefits of the policy.
The policy does not cover any claim arising due to
ICICI Lombard health insurance claim settlement procedure is simple, hassle-free, and fast.
A cashless facility is available only at the network hospitals and can be availed 24/7 for any of the health insurance policies by ICICI Lombard. Notify the claim to the insurance company for planned hospitalization at least 48 hrs in advance with details of the hospital and treatment. For emergency hospitalization, inform the company within 24 hrs of the hospitalization.
Get a pre-authorization form.
Send the duly filled and signed pre-authorization form with relevant documents to the insurance company.
ICICI Lombard team will review your claim and accept or reject it.
Once approved, an authorization letter is issued, and the hospital sends the final bill with discharge details to the company.
The company settles the claim.
For a cashless claim, the insured only needs to show his photo id and health card, the rest of the other documents are provided by the hospital.
For reimbursement, the insured sends an intimation to the company with all the necessary documents within 30 days of discharge. The company will verify all the documents and the reimbursement request and settle the claim per the policy.
A complete set of documents needs to be submitted to the insurer for reimbursement. These documents include a duly filled and signed claim form, the Patient’s photo id, his prescription stating hospitalisation, original medical bills and payment receipts, discharge summary, diagnostic test reports, bank details and KYC details of the proposer and any other document required by the insurance company.
ICICI Lombard Arogya Sanjeevani Policy clears all the doubt and confusion that keeps you from securing yourself and your family. It is a perfect health insurance plan to cover your basic medical requirements for your lifetime.
Ans: The policy can be availed by anyone in the age group of 18 to 65 years.
Ans: Yes, a co-payment of 5% is applicable for every claim in ICICI Lombard Arogya Sanjeevani Policy.
Ans: The waiting period under the policy is as follows:
Ans: The premiums can be paid in half-yearly, quarterly or monthly instalments.