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What is General Insurance?

Life is full of surprises. There are times when you are caught unprepared and do not know what to do. Sometimes life takes a turn for the worst when you least expected it to. Your hard-earned money, which you saved for something special, is then spent in settling hospital bills or someone else’s dues.

Events such as hospitalisation, burglary, natural disasters, car theft, riots etc. can negatively affect your finances. It is in times like these that you wish for a blanket of protection that insulates you from the harshness of such events. General insurance is that blanket.

ICICI Bank Limited solicits general insurance products as a Corporate Agent of ICICI Lombard General Insurance Company Limited, which offers a wide range of general insurance solutions that are designed to fit every need, every pocket and every situation. These insurance products span across the following segments:

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How Insurance Renewals Work?

An insurance policy benefits you only until the time it does not expire. You need to ensure that your policy does not lapse. This ensures the continuity of coverage and protects you against unforeseen risks. In addition, the No Claim Bonus (NCB) also gets carried forward and does not lapse if you make no claim during a policy year. Here is how you can renew your insurance policy easily online and on time:

  • Keep a tab on your renewal date
  • To begin, visit ICICI Bank website
  • Click on the Insurance tab
  • Follow the instructions to complete the process
  • Make the payment through Internet Banking, Credit or Debit Card
  • Acknowledge the payment receipt along with reference number.


How Claims Work?

Reimbursement Claims:

The benefit of an insurance policy can be availed by filing an insurance claim. Here’s how you can initiate the process of filing a reimbursement insurance claim:

  • Contact the insurance helpline number
  • Provide relevant information about your policy
  • Allow the insurer to authenticate the claim request
  • Upon validation, your insurer’s representative will contact you
  • Submit all requisite documents to the insurer’s representative for his/ her report
  • The claims department will then process the claim and disburse the claim amount.

Cashless Claims:

Cashless claims are only available in network hospitals/ garages. Here are the steps needed to file a cashless claim:

  • Call the insurance helpline number to find out the nearest network facility
  • Display your insurance card at the facility to avail cashless insurance
  • Fill the cashless claim request form and provide details of the insurer
  • Send a fax of the claim form and relevant documents to the insurer
  • The insurer will then review the claim and either accept or reject it
  • If approved, the bill will be directly paid to the establishment by the insurer.

If you have not insured your assets yet, insure them now! Click below to view various insurance plans.

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The advertisement contains only an indication of the cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. Insurance is underwritten by ICICI Lombard General Insurance Company Limited (ICICI Lombard) having Registered office at ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhivinayak Temple, Prabhadevi Mumbai 400025. IRDA Reg. No. 115. Toll Free no. 18002666. Fax no - 022 61961323. CIN (U67200MH2000PLC129408).

ICICI Bank Limited ("ICICI Bank") with registered office at ICICI Bank Tower, Near Chakli Circle, Old Padra Road, Vadodara, 390 007, Gujarat (CIN: L65190GJ1994PLC021012) is a Corporate Agent (Composite, IRDAI Regn No.: CA0112 valid till 31/03/2022) of ICICI Lombard. Insurance is underwritten by ICICI Lombard. Purchase by ICICI Bank’s customer of any insurance products is purely voluntary, and is not linked to availment of any other facility from ICICI Bank.

Private Car Package Policy IRDAN115P0017V01200102 (Motor 01),, T&C apply

Two Wheeler Vehicle package Policy IRDAN115P0015V03201415 (Motor 05) ,, T&C apply

International Travel Insurance Misc 129 ICITIOP02002V020102,, T&C apply

ICICI Lombard Complete Health Insurance Misc 128 ICIHLIP10001V020910,, T&C apply

Personal Protect Policy Misc 111 ICIPAIP06001V020506,, T&C apply

Health Booster Misc 140 IRDAI/HLT/ICICI/P-H/V.I/31/15-16,, T&C apply

Home Insurance Policy Misc 13 IRDAN115P0003V01200203,, T&C apply


  • IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums.
  • Public receiving such phone calls are requested to lodge a police complaint.

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