Simply choose from our range of Insurance plans below

Health insurance insures you and your family against expenses arising due to a medical emergency and uncertainty of health such as a hospitalisation or the onset of a critical illness. It prevents a medical emergency from becoming a financial one; it ensures your health care needs are taken care of without you having to dip into your existing savings or compromising your future goals.

• Medical emergencies can strike unexpectedly : 30% of the population suffers from heart attacks before the age of 40 years. Rare non-communicable diseases are now becoming common, affecting an increasing number of urban Indians. #   
• Lifestyles have changed : Indians today suffer from high levels of stress. Long hours at work, little exercise, unhealthy diet food have weakened our immune systems and put us at an increased risk of contracting illnesses.
• Quality health care is unbelievably expensive : Single episode of a critical illness like an angioplasty can cause a huge dent (around 3 lakhs) in your lifetime savings and with rising medical costs, it can get worse. #
• Indirect costs add to the financial burden : Indirect sources of expense—travel, boarding and lodging, and even temporary loss of income account for as much as 35% of the overall cost of treatment. #
• Incomplete financial planning : Complete financial planning includes saving for an uncertain future, children’s education, retirement and the most important aspect of your life – your health.

# Source: CII report

There are different kinds of health insurance plans available to suit your individual needs:

• Hospitalisation insurance : Cover yourself for hospitalization expenses incurred. You have a further choice between a reimbursement plan (claim your expenses as actually incurred) or a fixed benefit plan. (claim as per pre-decided limits defined by the plan you select )
• Critical illness insurance : Cover yourself against critical illnesses which are life changing catastrophes, expenses for which are big in nature.

• You will be able to deal with medical emergency finances without falling back on your savings. Thus your medical policy protects your finances.
• You can choose appropriate healthcare plan as required without acute financial anxiety and so can focus on the recuperation process.
• You would be a better provider (supporter) to your family in times of health emergency as they will receive adequate medical attention.
• Waiting until you are older is not a recommended approach, as it gets more difficult to obtain a health cover with age. Also, if you have a prevailing disease/critical illness (like diabetes), it is likely to be exempted from the health cover under the pre-existing condition.
• As already shared, a health crisis could unexpectedly occur and if you are not covered during the time of emergency it will drain your savings.
• You can enjoy tax benefit up to Rs. 15000 u/s 80D of the Income Tax Act, 1961.

Sound health cover planning ensures you have access to sufficient funds to meet direct medical expenses of the treatment, indirect expenses at the time of treatment and loss of income, if any, due to the illness.

Select a health plan by taking into consideration factors such as your income, age, number of dependants, quality of care desired, current coverage etc.

• Having won awards at a global level for service excellence; our prompt, efficient & customer friendly services awaits you at every step of your need.
• ICICI Prudential Life has underwritten over 10 million policies since inception.– with Funds Under Management to the tune of Rs. 57,000 crores as on March 31, 2010.
• With hassle free and convenient in-house claims process, we aims to process timely and smooth claim processing.
• We provide you with a wide range of health product offerings that fit well with your needs & budget.
• With our long term guaranteed health insurance you are covered when you need it the most.
• We also provide cashless facility across an extensive network of hospitals including all premier hospitals of India.

ICICI Prudential provides a seamless and hassle-free claims experience through an extensive network of hospitals across India.

Benefits of the new process:

• Extensive list of network hospitals all India & growing
• Hospitals across 488 locations in India
• Includes premier hospitals across India
• Quick & easy claims processing & settlement
   

To ensure a smooth claims experience, please adhere to the following actionables in case of different scenarios:

What should I do in case I need to claim?

• If I want to avail of the cashless hospitalisation facility?
  • Check if your chosen hospital is part of ICICI Pru Network Hospital. (Click here for network hospital list). Make a note of your policy number and keep it handy (This is available in your policy kit or on your health card). 
  • Carry a valid photo identity card to the hospital
  • Reach the ClaimCare cell directly at 1860-266-7766 or SMS ICLAIM <8 digit policy number> to 56767, for queries on coverage and we’ll call you back
  • Take a copy of the pre-authorization form along with valid photo identity card with you to the network hospital. This needs to be filled by the hospital and signed by the doctor

Hospital will then fax the pre-authorization form to ICICI Pru ClaimCare to 1800-103-4778

• If I do not want to avail the cashless hospitalisation facility?
  You would need to settle the bills at the hospital and submit the following additional documentation at the address mentioned below.  
  • Duly filled and signed claimant statement form 
  • Other documents required:
    • Photocopy of policy certificate
    • Copy of health card (optional)
    • Attending doctor’s certificate
    • Discharge card or Discharge summary
    • Admission notes / Indoor case papers
    • Hospital / Pharmacy / Doctor Bills

For faster settlement, please ensure:

• Provide complete and accurate information
• Disclose all facts
• Make a note of the important numbers like policy no and claims cell no on your cell

Health Claims Status:

• Customers and Advisors can check status of online claims pertaining to them or their clients through our website on the secure login page
• In case you would like to know status of claim, call ClaimCare at 1800-103-6363 and dial option 4

Claims Helpline 

Contact our 24*7 ClaimCare Cell at 1860-266-7766 or sms iclaim <policy number> to 56767 to know more about the claims process and we’ll call you back

Toll free fax number: 1800-103-4778 to send Pre-authorization requests

Despatch your claim documents to:

ICICI Prudential Life Insurance Company Limited
Vinod Silk Mills Compound,

Chakravarthy Ashok Nagar,

Kandivali (E)
Mumbai - 400101

Claims Process

Click here for the claims process.

The claims process is a general guideline to the claims process. Please refer to the product specific sections for the relevant details.

Please note that a customer may need to co-pay in case cashless service has not been availed in the case of some plans.

Download

• Claims Form
• Pre-authorisation form
• Document Reckoner
  • Hospitalisation claims
  • Critical illness claims
• Critical illness claims
• Smooth guide to claims