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ICICI Lombard Complete Health Insurance

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ICICI Lombard Health Insurance
Complete Health Insurance
Cashless Approval TAT2 hr Cashless Claim Processing
Claim Settlement Ratio99.70%
Network Hospitals7,500+
Pre-existing Disease Waiting Period2 year
Special BenefitsAnywhere Cashless
Starting Premium for Rs. 5 lakh SIRs. 581/month

About ICICI Lombard Complete Health Insurance

ICICI Lombard Health Insurance offers a wide range of medical insurance plans that covers various healthcare expenditures. ICICI Lombard’s plans comes with the benefit of the flexible policy term, premium payments, riders, treatment coverage and wide hospital networks among many others. ICICI Lombard Complete Health Insurance is one such plan offered by the company that aims to provide coverage to not just the proposer but also his/her family.

It is a comprehensive plan that offers a total family health cover during planned or emergency hospitalisations and treatments. You can even choose to make your cover more comprehensive by opting for critical illnesses cover in addition to the basic plan. The plan also offers cover for senior citizens, along with add-on covers such as Outpatient Treatment, Wellness and Preventive Healthcare and Maternity & New Born Baby Cover.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Floater cover to cover the whole family under a single policy by paying one premium amount
  • Free health checkup for every policy year, subject to a maximum of 2 coupons per year for floater policies
  • Medical expenses incurred 30 days pre and 60 days post hospitalisation
  • Day-care expenses for surgeries and procedures requiring less than 24 hours of hospitalisation such as dialysis, radiotherapy and chemotherapy
  • Hospitalisation expenses if hospitalised for more than 24 hours, including room charges, doctor/surgeon’s fee, medicine bills, etc.

What's Not Included

  • Naturopathy treatment, acupressure, acupuncture, magnetic and other such therapies
  • Any illness/ disease/ injury/ pre-existing disease before the inception of the policy
  • For the first 2 years, some diseases like cataract, hernia, stone in the urinary system and others will not be covered
  • An illness contracted within 30 days of the policy inception, except those incurred as a result of an accident
  • Non-allopathic treatment, pregnancy, and childbirth-related complications are not covered by the plan

Complete Health Insurance Plan Details

Features/PlanHealth ProtectHealth Protect Plus
Restoration Benefit
Up to 100% of SI
Up to 100% of SI
No Claim Bonus
Up to 50% of SI
Up to 50% of SI
Room Rent
Single private A/C room
Single private A/C room
ICU Charges
Pre and Post Hospitalization
30 & 60 days
30 & 60 days
Day Care Procedure
Available in inpatient condition
Available in inpatient condition
Convalescence benefit
Maximum of Rs. 10000 per insured person for more than 10 days of hospitalization
Ambulance Cover
Up to Rs. 1500 per hospitalization
Up to Rs. 1500 per hospitalization
Emergency Medical Evacuation
Initial Waiting Period
30 days
30 days
Specific Illness Waiting Period
2 years
2 years
Waiting Period of PED
2 years
2 years
Additional Features
Hospital daily cash, Convalescence benefit
Critical illness, Personal accident, Donor expense up to Rs. 50000
Maternity Cover
Normal delivery Rs. 15000, Cesarean delivery Rs. 25000
Special Feature
Wellness benefit
Wellness benefit, Newborn baby cover up to Rs. 10000, Nursing at home
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1573 ICICI Lombard Cashless Network Hospitals in India

Complete Health Insurance User Reviews

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What users are saying
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  • InsuranceDekho's family-friendly ICICI Lombard- Complete Health Insurance Policy is a lifesaver. They provide ...

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    By Yana Patel
    On: Sep 27, 2023
  • InsuranceDekho's website contains detailed information on every single plan, policy, and insurance company. It...

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    By Mahesh Rathi
    On: Sep 01, 2023
  • InsuranceDekho always offers the best health insurance plans which are not only easy to buy but also offer man...

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    By Anoop Badyal
    On: Aug 07, 2023
  • The best Online Insurance Company! A recommendable job is done by their customer support team. I wanted to cla...

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    By Amit Khera
    On: Jun 29, 2023
  • It was easy to buy a health insurance plan from an online platform. All the paperwork involved during the proc...

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    By Pragalwa Ahuli
    On: Jun 16, 2023

Add-ons to Enhance Benefits

  • Hospital Daily Cash

    A certain amount is paid for each and every completed day of hospitalization. The amount paid depends on the plan chosen i.e. if the sum assured is for 3, 4 or 5 lacs, the daily cash is Rs. 1000 per day and for sum assured 7 or 10 lacs the daily cash is Rs. 2000 per day. The daily cash is paid only if the hospitalization is at least for a minimum of 3 consecutive days and subject to a maximum of 10 consecutive days.

  • Convalescence Benefit

    A benefit amount of Rs. 10,000 per insured once during the policy period is paid in case the hospitalization arises due to any injury or illness covered under the policy, for a period of 10 consecutive days or more.

  • Outpatient (OPD) Cover

    This optional cover reimburses the insured of the medical expenses incurred as an outpatient (OPD).

  • Maternity Benefit

    The reimbursement is provided for the medical expenses incurred for delivery, including a cesarean section or lawful medical termination of pregnancy. The waiting period for maternity cover is 3 years and covers 2 deliveries/terminations during the policy period. This benefit is applicable only for floater plan where both the self and spouse are covered under the same plan. Even the pre and postnatal expenses are covered under this benefit.

  • Newborn Baby Cover

    This benefit covers the expenses of a new born during hospitalization for a maximum period of 91 days from the date of birth of the child. This cover is provided only if maternity cover is opted.

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ICICI Lombard Complete Health Insurance Expert Review

  • Expert Review

    Everybody desires to have complete coverage for health care needs. It brings immense joy and comfort to find every possible medical coverage under one scheme only. Many people have experienced this pleasure with the purchase of the iHealth - Complete Health Insurance Plan by ICICI Lombard. It is one of the best plans in India framed to deliver coverage during a planned or an emergency hospitalisation for individuals as well as families.

    The policy offers extensive coverage of up to Rs 10 Lakh, which can be availed to get proper treatment. People above 18 years of age can opt for this plan, where no medical screening is required before 46 years. With the purchase of this plan, cashless claim settlement is possible within 4 hours. It also helps policyholders avail the medical services timely, without going through any worry about the expenses at 3600+ network hospitals.

  • Major Attractions

    Selecting a health insurance plan shouldn’t be based on the number of tax benefits merely, instead one must go for a policy, which actually delivers.  There exist many factors to finalise a plan for oneself like age, the number of members in the family and the amount of premium preferred, etc. However, the iHealth - Complete Health Insurance Plan possesses several features, which entice the customers. Here are some of those attractive elements of the plan:

    • In-patient hospitalisation cover is provided on 24+ hours hospitalisation
    • Pre and post hospitalisation expenses for 30 and 60 days respectively
    • The plan can be purchased for 1 or 2 years
    • The option of critical illness cover is offered for specified critical illnesses
    • Policyholders are offered free health check-up at designated centers
    • The cost incurred on the organ donor expenses is covered up to Rs. 50,000
    • Coverage for the expenses incurred on any daycare procedures/treatment
    • Reasonable expenses of domestic road emergency ambulance are covered
  • What’s More?

    The plan holds some more benefits other than the coverage features. With its additional elements, the plan proves itself as an affordable and beneficial one. Following are the additional elements of the plan:

    • The plan offers lifelong renewability feature without any age restriction
    • Policyholders are provided with an additional 10% sum insured for every claim free year that can reach up to maximum 50%
    • Value-added services such as online chat with doctors, e-consultation with dietician and nutritionist, discount on wellness services are offered
    • Tax benefits up to a limit can be earned as per section 80D of the IT Act
  • Conclusion

    The iHealth - Complete Health Insurance Plan keeps its promise to offer comprehensive coverage and is rightly called a complete health insurance plan.

    Once you have selected the policy to purchase, it becomes essential to choose the right platform for it too. In this digital era, the online platform is gaining swift popularity among the people. On this note, is a perfect place to get your policy. The team of the company helps customers finding a plan that truly fit their needs by offering detailed information, providing assistance in the claim settlement procedure, and so on.

ICICI Lombard Complete Health Insurance Brochure

  • 1.95 MB
  • PDF Document
  • Apr 05, 2019

Claim Process at ICICI Lombard Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 1-2 days prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 1-2 days prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Complete Health Insurance Health Insurance Plan

  • What is the maximum age for buying a complete health insurance plan?

    There is no maximum entry age to buy Complete Health Insurance plan. However, there are some conditions such as if the applicant is more than 46 years of age, he or she has to undergo medical tests.

  • Does the plan cover wellness and preventive healthcare expenses?

    All the expenses pertaining to routine health checkups and for other wellness and fitness activities are reimbursed under the plan.

  • Will investing in this policy bring any tax benefit for me?

    Yes. If you make the payment of premium by any mode other than cash for this health insurance policy, you get eligible for relief under Section 80D of the Income Tax Act 1961.

  • Does complete health insurance plan offer critical illness cover?

    Under this plan, you can opt for critical illness cover covering specified critical illnesses/medical procedures like cancer of specified severity, first heart attack of specified severity, open chest CABG, stroke resulting in permanent symptoms, permanent paralysis of limbs, kidney failure, etc.

  • What is the eligibility criteria for having this policy?

    If you are above 18 years of age, you can buy the Complete Health Insurance policy for yourself and your family members, children and parents. You can also buy an individual policy for your child, but he or she should be more than 6 years of age and under family floater, your child can be covered if he or she is more than 3 months of age.

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