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- Eldest Member Age: 26-30
- Sum Insured: ₹ 10L
Priced Moderate
ICICI Lombard Health AdvantEdge
- Product features87/100
- Price67/100
- Claims experience73/100
The 1 Finance Score is a weighted average based on price, product features, and claims experience.
04Must-Look Features
Room RentAny room category- No Claim Bonus (NCB)Max up to 100% of SI
- Recharge of SI (RSI)Unlimited SI recharge/restore for the same illness by the same person
- Pre-Existing Diseases (PED)Covered after 2 years
- Co-payment (Co-Pay)No Co-pay, voluntary Co-pay options are available
- Health and WellnessAnnual Health check up (up to 0.5% of SI,max up to ₹10,000 on cashless basis)
Claims Experience
- Claim Settlement Ratio (CSR) - Number86.86%
Claim Settlement Ratio (CSR) -Amount68.49%- Incurred Claim Ratio (ICR)79% signifies high customer satisfaction based on premiums & claims
- Ageing of Claim100.00%
- Network Hospitals10800
- Pre-hospitalisation60 days
- Post-hospitalisation180 days
- Daycare treatmentsCovered up to SI
- Ambulance cover1% of Sum Insured up to ₹10,000, Actuals on network
- Domiciliary hospitalisationCovered up to SI
- Organ donor coverCovered up to SI
- Second opinionCovered
- Daily allowance
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- AYUSH treatmentCovered up to SI
- Modern treatment methodsCovered up to SI
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About ICICI Lombard
ICICI Lombard General Insurance Company was founded in 2001 through a partnership between ICICI Bank, India's second-largest bank, and Fairfax Financial Holdings Limited, a Toronto-based financial services provider. The company provides a wide range of insurance products through various distribution channels. In August 2020, ICICI Lombard extended its operations by acquiring Bharti Axa General Insurance.
About ICICI Lombard
ICICI Lombard General Insurance Company was founded in 2001 through a partnership between ICICI Bank, India's second-largest bank, and Fairfax Financial Holdings Limited, a Toronto-based financial services provider. The company provides a wide range of insurance products through various distribution channels. In August 2020, ICICI Lombard extended its operations by acquiring Bharti Axa General Insurance.
- FOUNDED IN2001
- CEOSanjeev Mantri
- HEADQUARTERSMumbai, India
- AUM₹42,975.70 Cr
- GROSS WRITTEN PREMIUMS (GWP)₹25,594.16 Cr
- COMBINED RATIO103.30%
Combined ratio assesses an insurance company's financial health by indicating the percentage of earned premiums used for claims and expenses.
A combined ratio below 100% means the company profits from underwriting, while a ratio above 100% implies it pays out more in claims and expenses than it collects in premiums.
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