ICICI Lombard General Insurance

ICICI Lombard provides two important insurance plans for the benefit of the employee. They are discussed below:

• Workmen’s Compensation Insurance

The ICICI Lombard’s Workmen’s Compensation Policy allows the employer to compensate employees or their families in the event of death or bodily injury (permanent partial disablement/permanent total disablement/temporary disablement) arising out of and in the course of employment (including certain occupational diseases). Medical expenses, occupational illness, compressed air disease, and terrorism are all covered under this policy.

• Group Health Insurance

The Group Health Insurance Policy from ICICI Lombard is designed to provide health coverage to employees of all types of businesses, from small and medium businesses to major corporations. Employees can choose from a variety of plans with sums insured ranging from 1 to 10 lacs.

The claim processes for ICICI Lombard General Insurance Plans are as follows:

1. Motor Insurance Claim Process

One can file a claim against ICICI Lombard’s Motor Insurance policies through two methods: Cashless Method and Reimbursement Method. They are discussed as below:

• Cashless Method: After an accident or disaster on the road, notify ICICI Lombard as quickly as possible. In the event of a serious injury or death to any individual (third party or policyholder), seek medical help right once. After that, you should file an FIR with the nearest police station. Within 24 hours, a Customer Service Manager (CSM) will call you to confirm the start of the claim process. You’ll be directed to the nearest cashless workshop as well. The insurer will also arrange for towing service after the vehicle has been inspected. The CSM will obtain an estimate for your vehicle’s repairs and, following an examination, will provide clearance. Once the paperwork has been submitted and reviewed, the company will notify you of the amount you must pay (your liability), with the remainder being paid straight to the workshop by the company.

• Reimbursement Method: Notify the ICICI Lombard as soon as possible following a mishap or accident. In the event of a serious injury or death to any individual (third party or policyholder), seek medical immediately. After that, you should file an FIR with the nearest police station. If your vehicle has been seriously damaged in an accident, leave it at the accident scene. The company will appoint a surveyor to inspect the vehicle and provide a report to the company. Alternatively, you can hire a pickup/towing service to transport your damaged vehicle to the repair facility. The cost of repairs will be assessed by a surveyor, who will then submit a report to the insurance company. You must also provide the surveyor/representative with documents such as a policy note, tax receipt, copies of registration books, driver’s license, and a copy of the FIR. After the procedures are completed, you must pay the garage for the whole cost of the repairs. The company will promptly reimburse the agreed-upon claim amount.

2. Travel Insurance Claim Process

If you have a medical or non-medical emergency while traveling, you may count on the company’s full support. All you have to do is contact the firm by one of the methods listed below, and the rest of the procedure will be handled by the company:

• In USA and Canada: +1 844 871 1200 (Toll-Free)
• For The Rest Of The World: +91 124 4498778
• In India: 1800 102 5721 (Toll-Free)
• Fax: +91 124 4006674
• Email: icicilombard@falck.com

3. Health Insurance Claim Process

In a few simple steps, you can make a cashless or reimbursement claim under an ICICI Lombard Health Insurance Policy. Take a look at them below:

• Cashless Claim: Reach out to an ICICI Lombard General Insurance network hospital and request admission for your treatment. Call the ICICI Lombard General Insurance Company’s toll-free number to inform them. At the network hospital’s reception, present your health card together with a valid photo ID. Your credentials will then be verified by the hospital. Fill out the pre-authorization form available on the ICICI Lombard General Insurance website and fax it to the insurer. The company will thoroughly examine your claim form and evidence before making an appropriate decision. If your claim is approved, the insurer will pay all of your medical fees and costs according to the policy’s terms and conditions.

• Reimbursement Claim: Get hospitalized in a non-network hospital of your choice to receive payment under ICICI Lombard Health Insurance Plans. When you are admitted, notify ICICI Lombard General Insurance. You must keep all bills and documentation connected to the treatment/hospitalization with you to file for the claim once your hospitalization/treatment is completed and you have paid the costs. Send the necessary bills and papers to the insurer so that the claim can be processed. According to the policy terms and conditions, ICICI Lombard will process your claim and reimburse the amount of medical expenditures spent for the treatment.

4. Marine Insurance Claim Process

You must promptly notify the insurance provider if the cargo or the ship is lost or damaged. A surveyor will evaluate the damage or loss that has been mentioned. All documentation and witnesses must be supplied, along with a properly completed claim form. The insured must file a monetary claim with the insurance provider and receive an acknowledgment for a missing package. If the provider believes the case is appropriate, it will authorize the claim; otherwise, it will reject it.

5. Property Insurance Claim Process

Call the company’s toll-free insurance helpline, 1800 2666, 24 hours a day, seven days a week, and leave the rest to them. Provide pertinent information, such as your insurance policy and other details about your claim. Your claim request will then be verified and forwarded to the company’s claims department. Within 48 hours of the claims department validating and registering your request, the company will designate a surveyor. After that, you must provide the essential documents to the surveyor, who will then submit the Final Survey Report (FSR) along with the paperwork. The claim will then be processed by the company’s claims department within seven days.

6. Other Insurance

For all other insurance plans, you can either call the company’s toll-free number or you can file a claim through the online method. Visit the official website of the company and click on the “Claims” tab. Choose the type of claim you want to file against the company. Enter all your necessary details, such as policy number, policy start date, etc. This process will initiate the claim. You can also track the status of your claim with the help of the company’s website.