{"uin":"ICIHLIP23144V072223","name":"Complete Health Insurance_ ICIHLIP23144V072223","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223","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":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Complete Health Insurance is a health indemnity product with Health Shield, Health Elite, Health Shield Plus and Health Elite Plus variants. The brochure shows sum insured choices up to 100 Lakhs, lifelong renewal, 30 days free-look and reset benefit unlimited times for different illness.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:28:45.824368+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":"quote-verified","value":["Health Shield","Health Elite","Health Shield Plus","Health Elite Plus"],"display":"Health Shield, Health Elite, Health Shield Plus and Health Elite Plus","note":null,"quote":"Presenting Complete Health Insurance - Health Shield, Health Elite, Health Shield Plus and Health Elite Plus which offers a host of benefits to cater to all your healthcare needs.","sources":[{"clause":"4","heading":"Discounts on services/products: We shall only facilitate the Insured Person in availing","page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-4"}],"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":"Option of choosing 1, 2 or 3 year policy period.","display":"1, 2 or 3 year policy period","note":"From the sales brochure.","quote":"Policy Period: Option of choosing 1, 2 or 3 year policy period under various plans offered.","sources":[{"clause":null,"heading":"Optional Covers","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-optional-covers-4"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"The brochure gives waiting periods and some sub-limits, but does not print a main exclusions list.","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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"quote-verified","value":"Health Shield and Health Elite show cover options 2,3,4,5,7,10,15,20,25,30,50. Health Shield Plus and Health Elite Plus show cover options 5,7.5,10,15,20,25,50,75,100.","display":"Health Shield/Health Elite: 2,3,4,5,7,10,15,20,25,30,50; Plus plans: 5,7.5,10,15,20,25,50,75,100","note":"The table prints the cover options as numbers; the brochure's key point states the wide range starts from 5 Lakhs to 100 Lakhs, while Health Shield/Health Elite tables also print 2,3,4.","quote":"Basic Covers / Optional Covers | Covers | 2,3,4,5,7,10,15,20,25,30,50 ... Basic Covers / Optional Covers | Covers | 5,7.5,10,15,20,25,50,75,100 ... Wide Range of Sum Insured: The customer has option to choose from a wide range of Sum Insured starting from `5 Lakhs to 100 Lakhs as per his / her needs.","sources":[{"clause":null,"heading":"Plan Name - Health Shield","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-plan-name-health-shield"},{"clause":null,"heading":"Plan Name - Health Shield Plus","page":11,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-plan-name-health-shield-plus"},{"clause":null,"heading":"Optional Covers","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-optional-covers-4"}],"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":null,"quote":"Waiting Period | Initial waiting period | 30 days","sources":[{"clause":null,"heading":"Optional Covers","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-optional-covers"}],"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":24},"display":"24 months","note":null,"quote":"Waiting Period | PED waiting period | 24 months","sources":[{"clause":null,"heading":"Optional Covers","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-optional-covers"}],"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":24},"display":"24 months","note":null,"quote":"Waiting Period | Specified Disease/ Procedure waiting period | 24 months","sources":[{"clause":null,"heading":"Optional Covers","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-optional-covers"}],"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":"not-stated","value":null,"display":null,"note":"The brochure states a specified disease/procedure waiting period but does not list the diseases or procedures.","quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"Waiting-period credit is recognized when moving into this policy from a similar policy, subject to regulatory prescriptions for migration / portability.","display":"PED waiting period reduces if covered under a similar policy before opting for this policy, subject to migration / portability rules","note":"The brochure states credit when opting for this policy; it does not separately describe moving out to another insurer.","quote":"Such waiting period shall reduce if the insured has been covered under a similar policy before opting for this policy, subject to relevant regulatory prescriptions for migration / portability.","sources":[{"clause":null,"heading":"Optional Covers","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-optional-covers-4"}],"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, life-long renewal","note":null,"quote":"Life Long Renewability: The policy provides life - long renewal.","sources":[{"clause":null,"heading":"Optional Covers","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-optional-covers-4"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"The brochure does not print the standard IRDAI exclusion codes or a permanent exclusions list.","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":"not-stated","value":null,"display":null,"note":"The brochure states cancellation during the free-look period but does not state the refund scale for cancellation during the year.","quote":null,"sources":[],"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":"Base geographic territory is not expressly stated in the brochure. World Wide Cover is available for Health Shield and Health Elite from 15 lacs to 50 Lacs, not available for Health Shield Plus, and mandatory and in built for Health Elite Plus for SI 25L and above.","display":"World Wide Cover: available for Health Shield/Health Elite, not available for Health Shield Plus, mandatory and in built for Health Elite Plus SI 25L and above","note":"This is the brochure's worldwide-cover variant information; it does not print an express India-only base territorial clause.","quote":"Optional Covers | World Wide Cover^ | Available, 15 lacs to 50 Lacs ... Optional Covers | World Wide Cover^ | Not available ... Optional Covers | World Wide Cover^ | Mandatory and in built for SI 25L and above","sources":[{"clause":null,"heading":"Optional Covers","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-optional-covers"},{"clause":null,"heading":"Optional Covers","page":11,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-optional-covers-3"},{"clause":null,"heading":"Optional Covers","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-optional-covers-4"}],"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 brochure also states 7 days written notice.","quote":"Free Look Period: Policy can be cancelled by giving 7 days written notice within 30 days of the receipt of the policy, whether electronically or otherwise.","sources":[{"clause":null,"heading":"Optional Covers","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-optional-covers-4"}],"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 for the customer is 6 years and there is no restriction on maximum entry age. Children between 3 months to 5 years can be insured under floater plan only.","display":"Minimum 6 years; no maximum entry age restriction; children 3 months to 5 years only under floater","note":"From the sales brochure.","quote":"Eligibility: The minimum entry age for the customer to receive the policy is 6 years and there is no restriction on maximum entry age. Children between 3 months to 5 years can be insured under floater plan only.","sources":[{"clause":null,"heading":"Optional Covers","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-optional-covers-4"}],"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":null,"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":"quote-verified","value":["Hospital Daily Cash","Convalescence Benefit","Nursing at Home","Compassionate Visit","Critical Illness","Personal Accident","BeFit","Out Patient Treatment","Maternity Benefit + New born cover","Super Loyalty Bonus","Sum Insured Protector","Claim Protector","World Wide Cover","Voluntary Co-payment"],"display":"Hospital Daily Cash, Convalescence Benefit, Nursing at Home, Compassionate Visit, Critical Illness, Personal Accident, BeFit, Out Patient Treatment, Maternity Benefit + New born cover, Super Loyalty Bonus, Sum Insured Protector, Claim Protector, World Wide Cover and Voluntary Co-payment","note":"Availability varies by plan; some optional covers are not available under some variants. BeFit, outpatient, maternity/newborn, critical illness, personal accident and worldwide cover have plan-specific availability.","quote":"Optional Covers | Hospital Daily Cash | SI 3,4,5L - Rs.1,000/day SI 7L and 10L - Rs. 2,000/day SI 15L and above- Rs. 3,000/day\nOptional Covers | Convalescence Benefit | Rs. 10,000\nOptional Covers | Nursing at Home | SI 3 to 7L: Rs. 1000 per day SI 10L- Rs. 2,000 per day SI 15L and above- 3,000 per day\nOptional Covers | Compassionate Visit | Rs. 20,000\nOptional Covers | Critical Illness | For SI up to 10 L- Up to SI For SI 15L and above - 50% of SI, Max upto 25 lacs\nOptional Covers | Personal Accident | Upto SI; max upto 50 lacs\nOptional Covers | BeFit | Available\nOptional Covers | Out Patient Treatment | Not available\nOptional Covers | Maternity Benefit + New born cover | Not available\nOptional Covers | Super Loyalty Bonus^ | Optional\nOptional Covers | Sum Insured Protector | Optional\nOptional Covers | Claim Protector | Optional\nOptional Covers | World Wide Cover^ | Available, 15 lacs to 50 Lacs ... Optional Covers | Voluntary Co-payment | Optional (5%,10%,15%,20%)","sources":[{"clause":null,"heading":"Optional Covers","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-optional-covers"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"quote-verified","value":"Health Shield and Health Elite have no room rent capping. Health Shield Plus and Health Elite Plus allow Single Pvt AC room up to SI 20L and no capping for SI >20L.","display":"Health Shield/Elite: No room rent capping; Plus plans: up to SI 20L Single Pvt AC room, no capping for SI >20L","note":"The same Plus room-rent wording is printed for Health Shield Plus and Health Elite Plus.","quote":"Basic Covers | Room rent capping | No room rent capping ... Basic Covers | Room rent capping | Up to SI 20L Single Pvt AC room ; no capping for SI >20L","sources":[{"clause":null,"heading":"Optional Covers","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-optional-covers"},{"clause":null,"heading":"Optional Covers","page":11,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-optional-covers-3"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"quote-verified","value":"For Plus plans, up to SI 20L the room category is Single Pvt AC room; for SI >20L there is no capping. Health Shield and Health Elite have no room rent capping.","display":"Plus plans: Single Pvt AC room up to SI 20L; no capping for SI >20L. Health Shield/Elite: no room rent capping","note":null,"quote":"Basic Covers | Room rent capping | No room rent capping ... Basic Covers | Room rent capping | Up to SI 20L Single Pvt AC room ; no capping for SI >20L","sources":[{"clause":null,"heading":"Optional Covers","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-optional-covers"},{"clause":null,"heading":"Optional Covers","page":11,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-optional-covers-3"}],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"quote-verified","value":"Intensive care unit charges are included in in-patient hospitalisation expenses; the plan tables state In Patient Treatment is up to SI.","display":"ICU charges covered under in-patient treatment up to SI","note":"The brochure does not print a separate per-day ICU limit.","quote":"In-patient Treatment: All expenses pertaining to in - patient hospitalisation such as room rent, intensive care unit charges, surgeon’s and doctor’s fee, anesthesia, blood, oxygen, operation theatre charges etc. incurred during hospitalisation for a minimum period of 24 consecutive hours are covered under the basic hospitalisation cover. ... Basic Covers | In Patient Treatment | Upto SI","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-s1"},{"clause":null,"heading":"Plan Name - Health Shield","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-plan-name-health-shield"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"quote-verified","value":"Zone-based co-payment may be Nil, 8% or 16% depending on the pricing zone and treatment zone. A voluntary co-payment of 5%,10%,15% & 20% can also be opted for.","display":"Zone based co-payment: Nil, 8% or 16%; voluntary co-payment optional 5%,10%,15% & 20%","note":"Voluntary co-payment is an optional cover; the zone table contains several rows with Nil, 8% and 16%.","quote":"Zone based pricing :\nZone | State/District | Treatment taken in Zone | Zone based co-payment ... Zone B | Pune, Kolkata, Telangana (Incl. Hyderabad), Madhya Pradesh, Goa, Gujarat (excl. Ahmedabad and Surat), Bangalore, Chennai, Andhra Pradesh, Chattisgarh, Pondicherry, Uttarakand | Zone A | 8% ... Zone C | Rest of India (Punjab, Rajasthan (excl. NCR region), Chandigarh, Himachal Pradesh, Jammu & Kashmir, Ladakh, Lakshadweep, Kerala, Tamil Nadu (excl. Chennai, Pondicherry), Odisha, Arunachal Pradesh, Assam, Manipur, Meghalaya, Mizoram, Nagaland, Tripura, Sikkim, Andaman & Nicobar, Rest of Karnataka, West Bengal (excl. Kolkata), Bihar, Jharkhand, Maharashtra (excl. Mumbai and Pune), UP (excl. NCR Region) | Zone A | 16% ... Zone D | Nil ... Voluntary Co-payment: The Insured Person has the choice to opt for Voluntary Co-payment of 5%,10%,15% & 20% and avail subsequent discount on premium.","sources":[{"clause":"4","heading":"Discounts on services/products: We shall only facilitate the Insured Person in availing","page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-4"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"quote-verified","value":["Treatment for Cataract: 10% of the SI max upto Rs1 lac per eye"],"display":"Treatment for Cataract: 10% of the SI max upto Rs1 lac per eye","note":"The same cataract sub-limit is printed in the plan tables.","quote":"Sub-limits/ Basic Cover | Treatment for Cataract | 10% of the SI max upto Rs1 lac per eye","sources":[{"clause":null,"heading":"Optional Covers","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-optional-covers"}],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Health Shield and Health Elite: 30 days. Health Shield Plus and Health Elite Plus: 60 days.","quote":"Basic Covers | Pre Hospitalisation | 30 days ... Basic Covers | Pre Hospitalisation | 60 days","sources":[{"clause":null,"heading":"Plan Name - Health Shield","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-plan-name-health-shield"},{"clause":null,"heading":"Plan Name - Health Shield Plus","page":11,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-plan-name-health-shield-plus"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":60},"display":"60 days","note":"Health Shield and Health Elite: 60 days. Health Shield Plus and Health Elite Plus: 180 days.","quote":"Basic Covers | Post Hospitalisation | 60 days ... Basic Covers | Post Hospitalisation | 180 days","sources":[{"clause":null,"heading":"Plan Name - Health Shield","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-plan-name-health-shield"},{"clause":null,"heading":"Plan Name - Health Shield Plus","page":11,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-plan-name-health-shield-plus"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"quote-verified","value":"All day-care procedures and treatments requiring less than 24 hours hospitalisation are covered.","display":"All procedures covered","note":null,"quote":"Day Care Procedures/ Treatments: All the medical expenses incurred while undergoing Day Care Procedures / Treatment which require less than 24 hours hospitalisation are covered. ... Basic Covers | Daycare procedures and treatment | All procedures covered","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-s1"},{"clause":null,"heading":"Plan Name - Health Shield","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-plan-name-health-shield"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"quote-verified","value":"Domiciliary hospitalisation is covered up to SI where the insured cannot be moved to a hospital or treatment is taken at home because a room is not available in the hospital. Home Care Treatment is covered up to 5% of Annual Sum Insured subject to Rs. 25,000.","display":"Domicillary hospitalisation up to SI; Home Care Treatment 5% of SI max upto Rs. 25,000","note":null,"quote":"Domicillary Hospitalisation: Coverage for medical expenses in a situation where the Insured Person is in such a state that he/she cannot be moved to a hospital or the treatment is taken at home if there's a non-availability of room in the hospital. ... Basic Covers | Domicillary hospitalisation | Upto Sum Insured\nBasic Covers | Home Care Treatment | 5% of SI max upto Rs. 25,000","sources":[{"clause":"4","heading":"Discounts on services/products: We shall only facilitate the Insured Person in availing","page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-4"},{"clause":null,"heading":"Plan Name - Health Shield","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-plan-name-health-shield"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"quote-verified","value":"In-patient AYUSH hospitalisation for Ayurveda, Yoga and Naturapthy, Unani, Siddha and Homeopathy is covered up to the Sum Insured when undergone in an AYUSH hospital or AYUSH Day Care Center.","display":"In Patient AYUSH hospitalisation up to Sum Insured","note":null,"quote":"In Patient AYUSH Hospitalisation: Expenses for Ayurveda, Yoga and Naturapthy, Unani, Siddha and Homeopathy (AYUSH) treatment only when it has been undergone in a AYUSH hospital or in AYUSH Day Care Center on reimbursement basis and/or cashless basis, wherever applicable. ... Basic Covers | In Patient AYUSH hospitalisation | Upto Sum Insured","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-s1"},{"clause":null,"heading":"Plan Name - Health Shield","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-plan-name-health-shield"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"quote-verified","value":"Technological Advancements & Treatments are covered up to the Annual Sum Insured, including Uterine Artery Embolization and HIFU, immunotherapy, green laser or holmium laser treatment, stem cell therapy, balloon sinuplasty, oral chemotherapy and robotic surgeries.","display":"Technological Advancements & Treatments covered up to Annual Sum Insured","note":"The brochure also lists Stereotactic radio Surgeries, Deep Brain stimulation, Intra vitreal injections, Bronchical Thermoplasty and IONM - Intra Operative Neuro Monitoring.","quote":"Technological Advancements & Treatments: Medical Expenses incurred in respect of Hospitalization of the Insured Person for the below mentioned Technological Advancements & Treatments during the Policy Period are covered up to the Annual Sum Insured. ... 1. Uterine Artery Embolization and HIFU (High intensity focused ultrasound).\n2. Immunotherapy- Monoclonal Antibody to be given as injection\n3. Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)\n4. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions\n5. Balloon Sinuplasty\n6. Oral Chemotherapy\n7. Robotic surgeries","sources":[{"clause":"4","heading":"Discounts on services/products: We shall only facilitate the Insured Person in availing","page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"quote-verified","value":"Medical expenses in respect of the donor for organ transplant surgery are covered, provided the organ donated is for the insured person's use; the plan table states donor expenses up to Sum Insured.","display":"Donor expenses up to Sum Insured","note":null,"quote":"Donor Expenses: Medical Expenses incurred in respect of the donor for any of the organ transplant surgery, provided the organ donated is for the insured person’s use. ... Basic Covers | Donor expenses | Upto Sum Insured","sources":[{"clause":"4","heading":"Discounts on services/products: We shall only facilitate the Insured Person in availing","page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-4"},{"clause":null,"heading":"Plan Name - Health Shield","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-plan-name-health-shield"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Domestic road ambulance is covered at actuals on cashless basis and, on reimbursement, 1% of SI up to Rs. 10,000. Air Ambulance Cover is up to the Sum Insured.","display":"Domestic road ambulance: Cashless actuals, reimbursement 1% of SI max up to Rs. 10,000; Air Ambulance up to Sum Insured","note":null,"quote":"Basic Covers | Domestic road ambulance | Cashless: Actuals; Reimbursement: 1% of SI max up to Rs. 10,000\nBasic Covers | Air Ambulance Cover | Upto Sum Insured","sources":[{"clause":null,"heading":"Plan Name - Health Shield","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-plan-name-health-shield"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"quote-verified","value":"Reset benefit is stated as unlimited times for different illness and once for same illness, up to 100% of the base Sum Insured when the Sum Insured including accrued bonuses and protector is insufficient due to previous claims in that policy year.","display":"Reset up to 100% of base Sum Insured unlimited times for different illness and once for same illness","note":"The brochure's statutory-warning note adds that Unlimited Reset will not trigger on 1st claim and cannot be used by the same person and / or for the same illness for which a claim has been paid in the policy year.","quote":"Reset Benefit: We will reset up to 100% of the base Sum Insured unlimited times in a policy year in case the Sum Insured including accrued Loyalty Bonus (if any), Super Loyalty Bonus (if any) and Sum Insured protector (if any) is insufficient as a result of previous claims in that policy year. This is applicable unlimited times for different illness and once for same illness. ... *^Unlimited Reset will not trigger on 1st claim. Reset cannot be used by the same person and / or for the same illness for which a claim has been paid in the policy year.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-s1"},{"clause":null,"heading":"STATUTORY WARNING PROHIBITION OF REBATES","page":16,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-statutory-warning-prohibition-of-rebates"}],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"quote-verified","value":"Loyalty Bonus is 20% every year up to 100% of SI with no reduction in case of claims, and is available only when the annual sum insured is completely exhausted.","display":"Loyalty Bonus: 20% every year upto 100% of SI; no reduction in case of claims","note":null,"quote":"Loyalty Bonus: 20% every year upto 100% of SI; with no reduction in case of claims. Loyalty Bonus will be available only when annual sum insured is completely exhausted.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-s1"}],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"not-stated","value":null,"display":null,"note":"The brochure lists Claim Protector as optional but does not state what it covers or whether consumables and non-medical items are paid.","quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"quote-verified","value":"Maternity benefit reimburses medical expenses for delivery, including cesarean section, or lawful medical termination of pregnancy, with a 3 years waiting period, limited to 2 deliveries / terminations and applicable only for floater plan having Self and Spouse in the same policy. The Health Elite table shows limits by SI.","display":"Maternity Benefit: 3 years waiting period; limited to 2 deliveries / terminations; Health Elite limits Rs. 30,0000 or 60,000 depending on SI","note":"The brochure text says inbuilt under Health Elite Plan only; the Health Elite plan table places Maternity Benefit + New born cover under Optional Covers. Other plan tables say not available.","quote":"* Maternity Benefit : Reimbursement for medical expenses incurred for delivery, including a cesarean section, during hospitalisation or lawful medical termination of pregnancy during the policy period. The waiting period for maternity cover is 3 years. The cover shall be limited to 2 deliveries / terminations during the period of insurance. Pre - natal and Post - natal expenses shall be covered under this benefit. This cover is applicable only for floater plan having Self and Spouse in the same policy. (Inbuilt under Health Elite Plan only) ... Optional Covers | Maternity Benefit + New born cover | SI 3,4,5L- Rs. 30,0000 for normal and LSCS inclu pre/post natal, Rs. 10,000 for new born 3 years waiting period Rs. 7L and 10L- 60,000 for normal and LSCS incl pre/post natal, Rs Rs. 10,000 for new born 3 years waiting period Rs. 15L and bove- 60,000 for normal and LSCS incl pre/post natal, Rs Rs. 1,00,000 for new born 3 years waiting period","sources":[{"clause":"4","heading":"Discounts on services/products: We shall only facilitate the Insured Person in availing","page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-4"},{"clause":null,"heading":"Optional Covers","page":9,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-optional-covers-2"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"quote-verified","value":"New born baby cover covers the newborn child during hospitalisation for up to 91 days from birth, only if maternity cover is opted. The Health Elite table prints newborn limits by SI.","display":"New Born Baby Cover: up to 91 days from birth; only if maternity cover is opted","note":"The brochure text says inbuilt under Health Elite Plan only; the Health Elite plan table places Maternity Benefit + New born cover under Optional Covers.","quote":"* New Born Baby Cover : The new born child can be covered under this policy during hospitalisation for a maximum period up to 91 days from the date of birth of the child. This cover will be provided only if maternity cover is opted. (Inbuilt under Health Elite Plan only) ... Optional Covers | Maternity Benefit + New born cover | SI 3,4,5L- Rs. 30,0000 for normal and LSCS inclu pre/post natal, Rs. 10,000 for new born 3 years waiting period Rs. 7L and 10L- 60,000 for normal and LSCS incl pre/post natal, Rs Rs. 10,000 for new born 3 years waiting period Rs. 15L and bove- 60,000 for normal and LSCS incl pre/post natal, Rs Rs. 1,00,000 for new born 3 years waiting period","sources":[{"clause":"4","heading":"Discounts on services/products: We shall only facilitate the Insured Person in availing","page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-4"},{"clause":null,"heading":"Optional Covers","page":9,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-optional-covers-2"}],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","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 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"quote-verified","value":"Preventive Health Check-up is available at designated centres every policy year, subject to a maximum of 2 coupons per year for floater policies. The plan tables show amounts by sum insured.","display":"Preventive Health Check-up every policy year; maximum 2 coupons per year for floater policies; Rs 1000 to Rs 2500 per adult by SI/plan","note":"The Rs 2500 per adult amount is printed for Plus variants with 75-100 lacs SI.","quote":"Preventive Health Check-up: The customer is entitled for a Preventive Health Check-up at designated centres. The coupons would be provided to each Insured for every policy year, subject to a maximum of 2 coupons per year for floater policies. ... Basic Covers | Preventive Health check up | Upto 7 lacs Rs 1000 per adult; 10-20 lacs Rs 1500 per adult; 25-50 lacs Rs 2000 per adult; ... Basic Covers | Preventive Health check up | Upto 7.5 lacs Rs 1000 per adult; 10-20 lacs Rs 1500 per adult; 25-50 lacs Rs 2000 per adult; 75-100 lacs Rs 2500 per adult","sources":[{"clause":"4","heading":"Discounts on services/products: We shall only facilitate the Insured Person in availing","page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-4"},{"clause":null,"heading":"Plan Name - Health Shield","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-plan-name-health-shield"},{"clause":null,"heading":"Plan Name - Health Shield Plus","page":11,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-plan-name-health-shield-plus"}],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"quote-verified","value":"Out Patient Treatment is available as an optional cover under Health Elite with limits of Rs 5000, Rs 10,000 or Rs. 20,000 depending on SI. BeFit also provides cashless outpatient consultation, diagnostics, pharmacy, physiotherapy and counselling benefits if available/opted.","display":"Optional OPD under Health Elite: Rs 5000, Rs 10,000 or Rs. 20,000 by SI; BeFit cashless OPD benefits also available in some plans","note":"OPD is optional and plan-specific. Health Shield, Health Shield Plus and Health Elite Plus tables state Out Patient Treatment is not available.","quote":"Optional Covers | Out Patient Treatment | SI 3/4/5 L: Rs 5000 SI 7L, 10L : Rs 10,000 SI 15L and above : Rs. 20,000 ... BeFit*: All benefits under the BeFit cover can be availed only on cashless basis via our mobile application and are subject to the terms, conditions, and exclusions and the availability of Sum Insured under the Cover. ... i. Physical Consultations, ii. Routine Diagnostic and Minor Procedure Cover, iii. Pharmacy,\niv. Physiotherapy Session, v. e-Counseling, vi. Diet and Nutrition e-Consultation.","sources":[{"clause":null,"heading":"Optional Covers","page":9,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-optional-covers-2"},{"clause":"4","heading":"Discounts on services/products: We shall only facilitate the Insured Person in availing","page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-4"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"quote-verified","value":"The product has zone based pricing with 4 zones and zone based co-payment, with Nil, 8% or 16% shown depending on the zone combination.","display":"Yes- 4 zones; zone based co-payment Nil, 8% or 16%","note":null,"quote":"Basic Covers | Zone based pricing | Yes- 4 zones ... Zone based pricing :\nZone | State/District | Treatment taken in Zone | Zone based co-payment ... Zone A | Delhi, Mumbai (including Thane district, Navi Mumbai) , Haryana (excl. Faridabad, Jhajjar, Jind, Nuh, Panipat, Rewari, Mewat, Palwal), Daman & Diu, Dadra Nagar, Ahmedabad, Surat, Noida City, Ghaziabad district, Hapur district, Meerut district, Muzaffarnagar district, Shamali district | Zone A | Nil ... Zone B | Pune, Kolkata, Telangana (Incl. Hyderabad), Madhya Pradesh, Goa, Gujarat (excl. Ahmedabad and Surat), Bangalore, Chennai, Andhra Pradesh, Chattisgarh, Pondicherry, Uttarakand | Zone A | 8% ... Zone C | Rest of India (Punjab, Rajasthan (excl. NCR region), Chandigarh, Himachal Pradesh, Jammu & Kashmir, Ladakh, Lakshadweep, Kerala, Tamil Nadu (excl. Chennai, Pondicherry), Odisha, Arunachal Pradesh, Assam, Manipur, Meghalaya, Mizoram, Nagaland, Tripura, Sikkim, Andaman & Nicobar, Rest of Karnataka, West Bengal (excl. Kolkata), Bihar, Jharkhand, Maharashtra (excl. Mumbai and Pune), UP (excl. NCR Region) | Zone A | 16%","sources":[{"clause":null,"heading":"Plan Name - Health Shield","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-plan-name-health-shield"},{"clause":"4","heading":"Discounts on services/products: We shall only facilitate the Insured Person in availing","page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-4"}],"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 hospitalisation is available at the insurer's network providers / hospitals.","display":"Cashless hospitalisation at network providers / hospitals","note":null,"quote":"Cashless Hospitalisation: Avail cashless hospitalisation at any of our network providers / hospitals. A list of these hospitals / providers is available on our website www.icicilombard.com.","sources":[{"clause":null,"heading":"Optional Covers","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-optional-covers-4"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 family under the same Sum Insured","note":null,"quote":"Floater Benefit: Floater cover to get family (self, spouse, dependent parents, dependent children, brothers and sisters) covered for the same Sum Insured under a single policy by paying one premium amount.","sources":[{"clause":null,"heading":"Optional Covers","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847#c-optional-covers-4"}],"law":[]}],"documents":[{"kind":"brochure","label":"Complete Health Insurance_ ICIHLIP23144V072223","pages":16,"fetched_at":"2026-10-20 01:55:17+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/complete-health-insurance-brochure-adv21879.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223/document/19847"}],"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":"Complete Health Insurance_ ICIHLIP23144V072223 (UIN ICIHLIP23144V072223), IndiaInsurances, https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-health-insurance-icihlip23144v072223-icihlip23144v072223"}