Please enable JavaScript in your browser for better use of the website.
Call Me Back

Making a claim

Home » Card Member » Making a claim

 Call Me Back

Thank You

for showing interest.


We will call you back within 48 working hours.

Loading...please wait

Call Me Back

Loading...please wait

Thank You

for showing interest.


We will call you back within 48 working hours.

How to make a Claim

In case of a Claim,


For Insurances from ICICI Lombard – 

For Insurances through ICICI Lombard (previously, Bharti AXA General Insurance Company) – 

For Insurances from Future Generali Life Insurance –

  • Call at dedicated helpline No. 1800 102 2355 (‘Select 2′ for English and then ‘select 6′ on the IVR for direct access for American Express card members)
  • Email at

For Insurance from PNB MetLife –

  • Dedicated Helpline Number – 1800 425 6969 (‘Select 1’ for English and then ‘select 6’ on the IVR for direct access for American Express card members)
Travel Insurance

Step 1: Claim registration / Intimation

In case of an unforeseen medical or non-medical emergency assistance whilst abroad, please contact the international Toll Free Numbers given below which are 24 hours Assistance Contact Numbers.


For Canada – 844-691-8883 
For USA – 844-691-8885 
For Rest of the world excluding Canada & USA +91 120 4593503

E-mail id –

Fax: +91 120 4344847 


Claims Service Representative will guide you on the process. You can download the claim form and attach supporting documents against the claim type and send it by mail, email or fax.

ICICI Lombard customer service center will register the claim and provide the claim registration number for all future reference. 

For general assistance call on 1800-103-5243 or write to  


A. Cashless claims process for medical emergency/hospitalization:

  1. Approach the medical service provider abroad and show ICICI Lombard Travel Insurance policy to avail the cashless treatment
  2. Inform “ICICI Lombard” to initiate the claim
  3. ICICI Lombard places the guarantee Letter with provider (As per the policy Coverage)
  4. ICICI Lombard settles bills directly with provider


B. Reimbursement Claim Process for other claim like Baggage delay, Baggage lost, Trip Cancellation etc.

  1. Inform “ICICI Lombard” to initiate the claim
  2. Submit the required documents to ICICI Lombard on your arrival to India or through post/Courier
  3. ICICI Lombard will validate the claim as per Policy Coverage
  4. ICICI Lombard makes the payment to insured through NEFT
Car Insurance

Cashless Claim

In the event of an accident claim, you can avail cashless facility by choosing ICICI Lombard’s cashless garage network.


Step 1: Claim registration

  • Notify your claim by calling ICICI Lombard at the Dedicated Helpline No. 1800-103-5243 or email at
  • ICICI Lombard customer service center will register the claim and provide you the claim registration number for all future reference
  • The same information is passed to the Dedicated Claims manager for American Express who would follow-up and facilitates the claim till it is processed

Step 2: Send the vehicle for repair

The customer can send their vehicle to any of ICICI Lombard network garage along with the documents as mentioned below. Survey will be conducted by the surveyor at the garage.

  • Original Claim form duly filled and signed by the insured (CO’s seal need to be affixed incase the insured is a Firm/Company)
  • Registration Certificate, Copy of the insured’s PAN Card & Driving License of the person driving at the material time of accident duly attested by the insured only. However surveyor may wish to verify the originals
  • True copy of Police report / FIR, in case of any Injury to Occupants or TP, Partial Theft, Property Damage & Malicious activity
  • KYC documents (Address Proof as per policy & ID proof) for liability exceeding one lakh

Step 3: Claim Settlement

  • Once all relevant claim documents received by the surveyor are found in order, the work order will be given to the garage
  • The surveyor may wish to conduct re-survey once after completion of the repairing job
  • ICICI Lombard will issue a DO (Delivery Order) on receipt of repairing bill
  • Garage will release the car by collecting the Satisfaction Voucher from the insured duly signed by him (CO’s seal need to be affixed incase the insured is a Firm/Company)
Personal Accident Insurance

In order to make a claim, make an immediate notice in writing to the Company

  1. Intimate ICICI Lombard from the date of first diagnosis / undergoing of the concerned Major Medical Illness & Procedures or occurrence of an Accident / injury


  2. Submit all reasonable documents – information, assistance and proofs in connection with any claim within 30 days from the occurrence of the event


  3. ICICI Lombard will then guide you on the further steps
Health Insurance

Claims pertaining to Health insurance can be settled in 2 ways:


Cashless settlement

  1. Get admitted in any of the network hospitals of ICICI Lombard to be treated.(Visit to view the empanelled list of Cashless hospitals)
  2. Visit the TPA desk in the hospital and fax the pre-authorization form along with relevant documents as below:
    1. Duly filled pre-authorization form (the form will be provided by the TPA desk)
    2. Policy Copy
    3. Identification proof
    4. Doctor’s prescription/certificate having the treatment details/any other detail required by the hospital
  3. ICICI Lombard verifies the documents & if found in order authorizes the cashless settlement

Re-imbursement Claims

  1. Upon discharge, pay all the bills and collect all original documents of treatments and expenses undergone
  2. Furnish the below documents in order to initiate the process for re-imbursement:
    1. Duly completed claim form
    2. Doctor’s Report
    3. Discharge Summary
    4. Medical Test reports
    5. Original bills
    6. Death certificate (wherever applicable)
    7. Any other document if necessary to investigate the claim (if necessary)
  3. ICICI Lombard verifies the documents & if found in order settles the claims (as per policy terms and conditions) and reimburses the approved amount
Life Insurance

Following are the three stages of Claims process:


Step 1: Claim Intimation – Intimate us with Death Certificate & submit all the mandatory claim documents.

  • Fill Claim form
  • Attach Death Certificate / Medical certificate of death issued by Hospital and bank account details
  • Submit at nearest branch

Step 2: Claim Assessment – Claim documents are scrutinized by the Claims Team and in case of any pending requirements, the same are communicated to the claim beneficiary through a call, sms or requirement letter. Claims may also be investigated, if necessary.


Step 3: Claim Decision – On receipt of complete documents, we will make the final decision within 10 days and communicate the same to the claimant. The claim is approved and then settled. A payment is made to the beneficiary’s bank account by NEFT or the claim is rejected and a communication providing the reasons for rejection are sent to the beneficiary.



How can I ensure that my family receives seamless claims service?


In order to ensure that the claim settlement process is hassle-free, ensure that:

  • You continue to pay the premium on time so that your policy does not lapse.
  • Your address and contact details are always updated.
  • Your family members are well-informed about the policy and its relevant documents.
  • While filling the policy proposal forms, you mention the intended recipient as the nominee. In case of change in nominee, you can approach the nearest branch office.


For any further assistance, please contact us at any of our Service touch points mentioned below:

Dedicated Servicing & Claims Helpline
@ ICICI Lombard - 040 66274201

@ Future Generali Life – 1800 102 2355 (Select ‘2’ for English and then select ‘6’)
@ PNB Met Life – 1800 425 6969 ('Select 1' for English and then 'select 5')