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ICICI Lombard Health Insurance Renewal Process
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ICICI Lombard Health Insurance Renewal Process in India

Raunak’s mother suddenly got a heart attack. She needed emergency hospitalization and was admitted to a private hospital in Indore. Fortunately, his mother has been insured under a health insurance India policy from an eminent insurer. Raunak went ahead to initiate claims with the health insurance company. But Raunak forgot to renew the health policy of his mother and as a result, her health insurance policy had long lapsed. So, Raunak didn’t get any facility of the policy, rather he paid all the hospital expenses from his pocket.

From that day onwards, Raunak promised to maintain a record of health insurance renewal India dates. After that, he had never failed on renewing health policies.

ICICI Lombard Health Insurance Renewal Process

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As a policyholder, you should always remember your ICICI Lombard health insurance renewal date if you purchased a policy from ICICI Lombard. If you wish to enjoy the benefits of your ICICI Lombard policy plan, then you must remember your ICICI policy renewal date. It is imperative to renew your health insurance policy in time for uninterrupted services. The insurance experts recommend that one should renew the policy plan at least 15 days before the expiry date. This will also ensure that you won’t lose all the accumulated benefits that usually come from policy continuation.

All insurance companies send a reminder notice to policyholders so that they can renew their policies without any fail. But it is the core responsibility of policyholders to remember the dates. You must set a reminder on your electronic devices or get personal notices through secretaries.

In India, it is very imperative to renew your policy in time. ICICI health insurance renewal is as important as purchasing an insurance plan from ICICI Lombard. If you fail to renew your insurance plan, you will not only lose the benefits of the policy but also will face embarrassment during the claim initiation process. Your situation could be similar to what Raunak faced in the above example.

The health insurance renewal process helps policyholders to stay insured continuously and to avail themselves of the healthcare coverage without any disruption. You must renew your health policy after the expiration of the policy term which can be 1, 2, or 3 years.

The process of ICICI Lombard health policy renewal is easy and convenient. By entering all imperative details, you can complete the ICICI Lombard health renewal process within a few minutes.

ICICI Lombard Health Insurance Renewal Online Process

Here are the 5 simple steps for your ICICI medical insurance online renewal as mentioned below:-

Step 1: Visit the Website

First, you need to visit the official website of ICICI Lombard general insurance and then, click on the ‘Renewal’ tab. Now, select the ‘Health Policy’ tab.

Step 2: Enter Details

Now, you need to enter all relevant details such as policy number, date of birth and click on ‘Proceed’.

Step 3: Review the Policy

Review all the details of the policy and make alterations as per your healthcare requirements such as changing the sum insured amount, incorporating an add-on, etc., before continuing.

Step 4: Make Payment

Make your ICICI Lombard health insurance policy renewal online payment to renew your policy. As per your wish, you can select the best available modes of payment.

Step 5: Get Confirmation

You will receive a confirmation mail from the insurer regarding the successful renewal of the policy.

ICICI Lombard Health Insurance Policy Renewal Offline Process

To renew your ICICI Lombard health plan, you can contact the customer care executives by dialing the toll-free number 1800-2666. You must share your requirements with them.

ICICI Lombard Health Insurance Policy Renewal Offline Process

To renew your policy offline, you can visit any branch of the insurance company. The experts of the company will guide you in your renewal process. They will ensure that you must avail of all the benefits of your ICICI Lombard health insurance plan without any hassle. You can even renew your policy through authorized agents.

ICICI Lombard has nearly 273 branches and 840 virtual offices across the nation. So, you can conveniently find out all the contact points of the insurer and renew your policy in time.

Benefits of Renewing Health Insurance with ICICI Lombard

Let’s take a look at some of the benefits that you will get if you renew your policy without any failure.

  • You will be insured continuously against all healthcare expenses
  • Enjoy the cashless treatment facilities at 5,000+ network hospitals across the nation
  • Easy and hassle-free health insurance claim settlement process
  • Lifelong renewability option
  • Live chat/virtual support for buying and renewing a health insurance policy
  • You can enhance your sum insured amount
  • You can add more family members as per your wish
  • You are eligible for portability
  • Tax benefits under section 80D of the Income Tax Act, 1961


Disadvantages of not  adhering to ICICI Lombard Health Insurance Renewal Grace Period

  • Insurance Premium Increase

Once your existing policy has lapsed and you opt for a new policy, you need to pay more premium amounts for the new plan.

  • Pre-Existing Diseases

To get coverage for pre-existing diseases, always renew your policy in time. If you forget to renew your policy, you won’t get any coverage for pre-existing ailments. For the new policy plan, you need to again serve the waiting period.

  • No-Claim Bonus

The health insurer will offer you a bonus of about 10 percent for each claim-free year. The bonus is added to your base cover. After the completion of 4 claim-free years, you are eligible for a free medical check-up. But if you don’t renew the policy, you will miss the aforementioned benefits.

  • Waiting Period

Health insurance policies don’t offer you coverage for the first thirty days. This is applicable if you don’t renew your policy in time. The same goes in case the policyholder decides to change the insurance provider. You need to again serve the period of ‘thirty’ days if you change the company or delay the renewal process. Hence, renew your policy at any cost.


The Conclusion

Buying a health insurance policy is not adequate these days; a policyholder should renew it in time to enjoy all the benefits and coverage. You must renew the plan before the expiry date to get the utmost benefits of your policy.

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