ICICI Prudencial Life Insurance

HEALTH INSURANCE

Health insurance policies insure you against several illnesses and guarantee you stay financially secure should you ever require treatment. They safeguard your peace of mind, eliminate all worries about treatment expenses, and allow you to focus your energy on more important things, like getting better. Let's learn more about the various types of health insurance available, and what the best policy for you might be.

Health Insurance policies in India - An Overview

There are several health insurance or medical insurance plans in India. These can be divided into the following categories based on the coverage offered:

Hospitalization Plans: These health insurance plans cover your expenses in case you need to be hospitalized. Within this category, products may have different payout structures and limits for various heads of expenditure. The hospitalisation coverage may be reimbursement based plans or fixed benefit plans. These plans aim to cover the more frequent medical expenses. Click to know about our hospitalisation insurance plan ( ICICI Pru Health Saver, ICICI Pru Hospital Care II )  

Critical Illness Plans: These health insurance plans provide you coverage against critical illnesses such as heart attack, organ transplants, stroke, and kidney failure among others. These plans aim to cover infrequent and higher ticket size medical expenses. Click to know about our critical illness plans (ICICI Pru Crisis Cover)

Health Insurance Products:

ICICI Prudential offers health insurance plans under the following major need categories:

Hospitalisation coverage:

ICICI Pru Health Saver 

A whole of life comprehensive health insurance policy which provides a hospitalisation cover for you and your family and reimburses all other medical expenses not covered in the hospitalisation benefit by building a health fund for you and your family.

ICICI Pru Hospital Care II

A fixed benefit cashless hospitalization & surgical plan covering various stages of treatment and over 1000 surgeries.

Critical illness coverage:

ICICI Pru Crisis Cover 

A comprehensive health insurance policy that covers 35 critical illnesses, death and disability.

Claims Process:

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

Benefits of the new process:

1. Extensive list of network hospitals all India & growing
2. Hospitals across 488 locations in India
3. Includes premier hospitals across India
4. 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 1800-103-6363 or SMS ICLAIM <8 digit="" number="" policy=""> 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

• Refer Document Reckoner (Hospitalisation / Critical Illness) to understand surgery / claim specific additional document requirements
• Send your complete kit to address

For faster settlement, please ensure:

1. Provide complete and accurate information
2. Disclose all facts
3. 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 1800-103-6363 or sms iclaim 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:

3i infotech Limited (Division : BPO)

Unit: ICICI Prudential : Claims

International Infotech Park

Tower 5, 3rd Floor,

Vashi Station Complex

Navi Mumbai : 400 703

Claims Process

Click here for the claims process.