{"uin":"ICIHLGP24018V052324","name":"Group Health Insurance - ICIHLGP24018V052324","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324","insurer":{"slug":"icici-lombard-general-insurance","name":"ICICI LOMBARD General Insurance Company Limited","url":"https://indiainsurances.com/insurer/icici-lombard-general-insurance"},"line":"health","category":"group-health","category_name":"Group health","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a group health insurance product covering indemnification of medical expenses during hospitalization, domiciliary hospitalization and day care treatment. The policy has a 30-day initial waiting period, 36-month pre-existing disease waiting period, 12-month specific disease waiting period, and optional add-ons including maternity, OPD, baby day one cover and critical illness cover.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:30:23.96182+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy period is one policy year as mentioned in the schedule.","display":"One policy year, as mentioned in the schedule","note":null,"quote":"Policy Period: Policy period means period of one policy year as mentioned in the schedule for which the Policy is issued","sources":[{"clause":null,"heading":"5. Out-patient","page":9,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815#c-5-out-patient"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For cashless pre-authorisation, request should be received at least 48 hours before a planned hospitalization and within 24 hours of hospitalization in an emergency. For reimbursement, all claims have to be intimated 48 hours prior to hospitalization or within 24 hours post admission in case of emergency.","display":"Cashless: 48 hours before planned hospitalization or within 24 hours of emergency hospitalization; reimbursement: 48 hours prior or within 24 hours post admission in emergency","note":null,"quote":"Request for pre- authorisation should be received at least 48 hours before a planned Hospitalization and in case of an emergency situation, within 24 hours of Hospitalization. ... All claims have to be intimated 48 hours prior to hospitalization or within 24 hours\npost admission in case of emergency for | 2. Basis of assessment of claims\nprompt settlement of claims.","sources":[{"clause":null,"heading":"Pre-authorization","page":17,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815#c-pre-authorization"},{"clause":"Excl09(III)(b)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815#c-excl09-iii-b"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The Company shall settle or reject a claim within 15 days from receipt of the last necessary document. If investigation is needed, it shall be completed within 30 days and the claim settled or rejected within 45 days from receipt of the last necessary document; cashless pre-authorisation TAT is 1 hour and final cashless bill authorisation TAT is 3 hours.","display":"15 days from last necessary document; 45 days if investigation is needed; cashless pre-authorisation 1 hour and final cashless bill authorisation 3 hours","note":"Interest at 2% above bank rate is stated for delayed payment beyond the stipulated timelines.","quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of last necessary document. ... it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document- ln such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document. ... TAT for Pre-Authorization of Cashless Facility is within 1 hours from the receipt of last necessary document from Hospital.\nTAT for final cashless final bill authorization is within 3 Hours from the receipt of last necessary document from hospital.","sources":[{"clause":"15(a)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815#c-15-a"},{"clause":"15(c)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815#c-15-c"},{"clause":null,"heading":"Turn Around Time(TAT) for claim","page":23,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815#c-turn-around-time-tat-for-claim"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"The insured person may first contact ICICI Lombard through the website, toll-free number, email, address, or the grievance cell at any branch. If not satisfied, the insured may contact the grievance officer, then IRDA through Bima Bharosa or IGCC, and may also approach the Insurance Ombudsman.","display":"First contact ICICI Lombard through website, toll-free 18002666, email or branch grievance cell; then grievance officer; then IRDA/Bima Bharosa or Ombudsman","note":null,"quote":"ln case of any grievance the insured person may contact the Company through Website:www.icicilombard.com Tollfree:18002666 Email: customersupport@icicilombard.com ... lnsured person may also approach the grievance cell at any of the company's branches with the details of grievance\nlf lnsured person is not satisfied with the redressal of grievance insured person may contact the grievance officer ... lf lnsured person is not satisfied with the redressal of grievance, the insured person may also approach Insurance Regulatory and Development Authority (IRDA) through the Bima Bharosa Portal - https://bimabharosa.irdai.gov.in/ or IRDA Grievance Call Centre(IGCC) at their toll free no. 1800 4254 732 / 155255\nInsured may also approach Insurance Ombudsman","sources":[{"clause":"26","heading":"Redressal of Grievance","page":25,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815#c-26"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"not-stated","value":null,"display":null,"note":"The documents refer to the Sum Insured in the policy schedule but do not list selectable cover amounts.","quote":null,"sources":[],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Does not apply to accident claims, provided they are covered.","quote":"C.30-day waiting period- Code- Excl03\na) Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":null,"heading":"Standard Exclusions","page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815#c-standard-exclusions"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"Coverage after 36 months is subject to the pre-existing disease being declared at application and accepted by the insurer; an optional add-on may cover pre-existing diseases after 1 year or as stated in Part I of the Policy.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with insurer.","sources":[{"clause":null,"heading":"Standard Exclusions","page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815#c-standard-exclusions"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":12},"display":"12 months","note":"Does not apply to claims arising due to an accident. If the condition also falls under the pre-existing disease waiting period, the longer waiting period applies.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 12 months of continuous coverage after the date of inception of the first policy with us.","sources":[{"clause":null,"heading":"Standard Exclusions","page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815#c-standard-exclusions"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Cataract","Benign Prostatic Hypertrophy","Hysterectomy for Menorrhagia or Fibromyoma","Hernia","Hydrocele","Fistula in anus","piles","Sinusitis and related disorders"],"display":"Cataract; Benign Prostatic Hypertrophy; Hysterectomy for Menorrhagia or Fibromyoma; Hernia; Hydrocele; Fistula in anus; piles; Sinusitis and related disorders","note":null,"quote":"List of specific diseases/procedures Cataract, Benign Prostatic Hypertrophy,\nHysterectomy | for | Menorrhagia | or\nFibromyoma, Hernia, Hydrocele, Fistula in anus, piles, Sinusitis and related disorders","sources":[{"clause":null,"heading":"Standard Exclusions","page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815#c-standard-exclusions"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"60 months","note":"For enhanced sum insured, sixty continuous months applies from the date of enhancement only on the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":"21","heading":"Moratorium","page":24,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815#c-21-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured has the choice to port the policy to another insurer and transfer credits gained to the extent of the sum insured and benefits available in the previous policy, subject to the Company’s underwriting policy. Application to the new insurer must be at least 30 days before, but not earlier than 60 days from, the renewal due date.","display":"Allowed, with waiting-period credit transfer to the extent of previous sum insured and benefits","note":"Portability benefit is not applicable for enhanced sum insured.","quote":"The insured has the choice to port his / her policies from one Insurer to another. An Insured desirous of porting his/her policy to another insurer shall apply to such insurer to port the entire policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the due date for renewal. ... The insured is entitled to transfer the credits gained to the extent of the sum insured and the benefits available in the previous policy, subject to the underwriting policy of the Company ... This benefit is not applicable for enhanced sum insured.","sources":[{"clause":"13","heading":"Portability","page":22,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815#c-13-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Yes, maximum renewal age is lifetime","note":"From the prospectus.","quote":"Maximum Renewal age - For lifetime","sources":[{"clause":null,"heading":"C) Salient Features","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19776#c-c-salient-features"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"Renewal shall not be denied because of claims and no loading applies on renewals based on individual claims experience. For the group, the total premium at renewal may be loaded depending on the incurred claims ratio for the entire group insured.","display":"No individual claim loading; group premium may be loaded based on incurred claims ratio","note":null,"quote":"Renewal shall not be denied on the ground that the insured person had made a claim or claims in the preceding policy years. ... No loading shall apply on renewals based on individual claims experience ... High Claim Ratio loading (Malus): The Total Premium payable at renewal of the Group Policy will be loaded depending upon the incurred claims ratio for the entire group insured under the Group Mediclaim Insurance Policy as mutually agreed by the insured and the insurer.","sources":[{"clause":"23","heading":"Renewal notice","page":24,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815#c-23-2"},{"clause":"Excl09(III)(a)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815#c-excl09-iii-a-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel the policy at any time during the term by giving 7 days’ written notice. For policy terms up to one year, the insurer refunds proportionate premium for the unexpired policy period if no claim has been made; for terms more than 1 year, it refunds premium for unexpired policy years where risk coverage has not commenced, and no refund is made if any claim has been admitted or lodged or any benefit has been availed.","display":"7 days’ written notice; proportionate refund for unexpired period if term up to one year and no claim; no refund if a claim is admitted, lodged or benefit availed","note":null,"quote":"The insured may cancel the policy at any time during the term, by giving 7 days’ notice in writing. ... refund proportionate premium for unexpired policy period, if the term of policy upto one year and there is no claim (s) made during the policy period. ... refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced.\nNotwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the Insured person under the Policy.","sources":[{"clause":"9","heading":"Cancellation","page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815#c-9-2"},{"clause":"9(a)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815#c-9-a"},{"clause":"9(b)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815#c-9-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"Medical and surgical treatment must be taken in India unless agreed in Part I of the Policy, and claims are payable in India in Indian Rupees.","display":"India, unless agreed in Part I of the Policy","note":null,"quote":"All medical/surgical treatment under this policy shall have to be taken in India (unless agreed upon in Part I of the Policy) and admissible claims thereof shall be payable in Indian currency. ... No Claims shall be payable under this policy unless the cause of action arises in India, unless otherwise specifically provided in Part II of the Policy to this policy. All claims shall be payable in India in Indian Rupees only.","sources":[{"clause":"Excl09(III)(a)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815#c-excl09-iii-a-3"},{"clause":"18","heading":"Cause of Action/ Currency for payment","page":23,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815#c-18"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"The free-look period does not apply to policies with tenure of less than a year.","quote":"Every insured of new health insurance policies, except for those policies with tenure of less than a year, shall be provided a free look period of 30 days beginning from the date of receipt of policy document, whether received electronically or otherwise, to review the terms and conditions of such policy.","sources":[{"clause":"12","heading":"Free Look Period","page":22,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815#c-12-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Minimum entry age is 3 months and oldest entry age is more than 95 years. Children above 3 months can be covered provided one or both parents are covered concurrently.","display":"Minimum 3 months to > 95 yrs","note":"From the prospectus.","quote":"Entry age – The policy can be offered to an individual whose age is Minimum 3 months to > 95 yrs. Children above 3 months can be covered provided one or both the parents are covered concurrently","sources":[{"clause":null,"heading":"C) Salient Features","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19776#c-c-salient-features"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":"The wording mentions monthly premium payment mode for grace-period purposes and instalment premium if opted as per the policy schedule, but it does not list all premium payment options available.","quote":null,"sources":[],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"For instalment premiums during the policy period, the insurer shall offer coverage during the grace period if the premium is paid in instalments. At renewal, coverage is not available during the grace period.","display":"Covered during instalment-premium grace period; not available during renewal grace period","note":null,"quote":"Provided the insurers shall offer\ncoverage during the grace period, if | a. Central or State Government\nthe premium is paid in instalments | AYUSH Hospital; or\nduring the policy period. ... Coverage is not available during the grace period. ... However, risk coverage shall not be available for such a period.","sources":[{"clause":"17","heading":"Grace Period: Grace period”","page":5,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815#c-17"},{"clause":"23","heading":"Renewal notice","page":24,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815#c-23-2"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"not-stated","value":null,"display":null,"note":"The CIS indicates Room Rent financial limits are in the policy schedule, but the provided documents do not state a daily room rent amount or percentage.","quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Childbirth cover and any waiting period.","status":"quote-verified","value":"Maternity is excluded under the base policy except ectopic pregnancy, but can be covered if the Maternity Expenses add-on is opted. The add-on covers delivery during hospitalization or lawful medical termination of pregnancy during the policy period, and may be offered with or without any waiting period; the wording states 9 months or as stated in Part I of the Policy.","display":"Excluded unless maternity add-on is opted; add-on waiting period 9 months or as stated in Part I","note":"Expenses in connection with voluntary medical termination of pregnancy during the first 12 weeks from conception are not covered.","quote":"R. Maternity: Code Excl18\ni. Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy; ... Maternity Expenses: This add-on provides cover for medical expenses\nincurred | for | delivery, | during\nhospitalization or lawful medical termination of pregnancy during the Policy Period This coverage may be offered with or without any waiting period. ... The cover under this add-on shall be available after 9 months (or as stated in Part I of the Policy) of continuous coverage have elapsed since the inception of the first Policy with the Company","sources":[{"clause":"Excl09(iv)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815#c-excl09-iv"},{"clause":"Excl09(II)(c)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815#c-excl09-ii-c"},{"clause":"Excl09(II)(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815#c-excl09-ii-a-2"}],"law":[]},{"key":"ped_cover_group","label":"Pre-existing diseases","section":"Waiting periods","meaning":"Whether pre-existing diseases are covered from day one for the group.","status":"quote-verified","value":"Pre-existing diseases are not covered from day one under the base cover; expenses related to pre-existing disease and direct complications are excluded until 36 months of continuous coverage. An add-on can cover pre-existing diseases after 1 year or as stated in Part I of the Policy.","display":"No, base cover excludes PED for 36 months; optional add-on after 1 year or as stated in Part I","note":"The add-on is optional and is not the base answer.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with insurer. ... Cover for Pre-Existing Diseases: By way of this add-on, Pre-existing Diseases shall be covered after 1 year (or as stated in Part I of the Policy.)","sources":[{"clause":null,"heading":"Standard Exclusions","page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815#c-standard-exclusions"},{"clause":"Excl09(II)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815#c-excl09-ii-2"}],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless treatment is available only at a Network Provider. For cashless treatment, the insured must contact the company or TPA before treatment at a Network Provider and produce the health card, subject to policy terms.","display":"Available at Network Providers","note":null,"quote":"Cashless treatment is only available at a Network Provider (List of Network Providers is available at our website). ... Prior to taking treatment and/or incurring Medical Expenses at a Network Provider, the insured must contact the company or the TPA ... To avail of Cashless Hospitalization facility, the insured is required to produce the health card","sources":[{"clause":"Excl09(III)(a)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815#c-excl09-iii-a"},{"clause":null,"heading":"Pre-authorization","page":17,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815#c-pre-authorization"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claims may be handled by the Company or the TPA. The policy schedule indicates whether the arrangement is Third Party Administrator (TPA) or in-house.","display":"Company or TPA, as per policy schedule","note":null,"quote":"Third Party Administrator (TPA)/ In house: ... the insured must contact the company or the TPA accompanied with full particulars","sources":[{"clause":null,"heading":"Conditions","page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815#c-conditions"},{"clause":null,"heading":"Pre-authorization","page":17,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815#c-pre-authorization"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Yes, floater cover for immediate family","note":"From the prospectus.","quote":"Floater Benefit: The Insured can avail a Floater cover and get immediate family covered for the same Sum Insured under a single policy by paying one premium amount.","sources":[{"clause":null,"heading":"C) Salient Features","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19776#c-c-salient-features"}],"law":[]}],"documents":[{"kind":"wording","label":"Group Health Insurance","pages":30,"fetched_at":"2026-10-20 01:53:49+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/policy-wordings-4015_group-health-insurance.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19815"},{"kind":"wording","label":"Group Health Insurance - ICIHLGP24018V052324","pages":30,"fetched_at":"2026-10-20 02:35:17+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/policy-wordings-4015_group-health-insurance_pdf.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/20368"},{"kind":"prospectus","label":"Group Health Insurance Prospectus","pages":13,"fetched_at":"2026-10-20 01:51:15+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/group-health-insurance-prospectus-40158c0007ff45fd68ff8a0df0055fa72737.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19776"},{"kind":"prospectus","label":"Group Health Insurance - ICIHLGP24018V052324","pages":13,"fetched_at":"2026-10-20 02:11:02+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/group-health-insurance-prospectus-4015---copy.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/20026"},{"kind":"cis","label":"Group Health Insurance","pages":9,"fetched_at":"2026-10-20 02:26:13+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/cis-for-group-health-insurance8c0007ff45fd68ff8a0df0055fa7271c.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/20237"},{"kind":"premium","label":"Group Health Insurance - ICIHLGP24018V052324","pages":null,"fetched_at":"2026-10-20 01:57:51+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/grouphealthinsurance_ratechart.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324/document/19610"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"ICICI LOMBARD General Insurance official website","url":"https://www.icicilombard.com","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Group Health Insurance - ICIHLGP24018V052324 (UIN ICIHLGP24018V052324), IndiaInsurances, https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-insurance-icihlgp24018v052324-icihlgp24018v052324"}