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ICICI Lombard Health Insurance Plans

ICICI Lombard General Insurance Company started its operation in 2001 as a collaboration between two companies i.e. ICICI Bank, one of the largest banks in India, and Fairfax Financial Holdings Limited, a Toronto-based financial services company. In this partnership, ICICI Bank owns 64% of the company, while Fairfax owns the remaining 36%. This makes ICICI Lombard the biggest private-sector general insurance company in India.

Over the years, the company has issued more than 13.87 million insurance policies to people all across the country. And, to date, ICICI Lombard has settled approximately 3.41 million claims!

With a strong commitment to providing high-quality service, ICICI Lombard ensures that all its insurance plans are designed to meet the specific requirements of its customers. So, whether it's individual health insurance, family health insurance, or special plans such as senior citizen's health insurance and maternity health insurance, ICICI Lombard offers a wide range of options to suit different age groups and lifestyles. [1]

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ICICI Lombard Health Insurance Plan List

  • Individual (1)
  • Family (1)
  • Woman (1)
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  • Blood Pressure (1)
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  • Cover

    5 Lakh

    Cashless Hospital

    10896

    Starting From 659/month*

Key Highlights

Like every other health insurance company in India, ICICI Lombard has certain key highlights that are mentioned below:

No. of Plans Offered9
Sum InsuredUp to 3 Crores
Claim Settlement Ratio (CSR)99.8
No. of Products & Add-ons7
Network Hospitals9500+

Types of Health Insurance Plans Offered by ICICI Lombard

To meet the different needs and requirements of people, ICICI Lombard offers multiple types of health insurance plans that are as follows:

  • Family Health Insurance Plans: Family health insurance plans offered by ICICI Lombard cover the medical expenses of your entire family under a single policy. This includes you, your spouse, children, and sometimes even dependent parents. The family health plans by ICICI Lombard ensure that the health needs of your entire family are taken care of without the hassle of buying multiple policies.
  • Individual Health Insurance: Individual health insurance plans by ICICI Lombard are designed to meet the specific healthcare needs of an individual. Such plans provide coverage for medical expenses incurred due to illnesses, accidents, hospitalisation, and other health-related issues. Moreover, the individual plans offer personalised coverage based on certain factors that involve the individual's age, medical history, and other requirements.
  • Senior Citizens Health Insurance: As the name suggests, senior citizens health insurance plans are designed specifically for people who are above a certain age, typically 60 years or older. These plans address the unique healthcare needs of seniors, including coverage for age-related ailments, chronic conditions, and pre-existing medical conditions.
  • Group Health Plans: Group health plans by ICICI Lombard company are offered to a group of individuals, such as members of an organisation, members of a community, or employees of a company. These plans provide comprehensive coverage to all members of the group at a relatively lower premium in comparison to the premiums paid for individual plans. Not only this but the group health plans often come with additional benefits and discounts.
  • Maternity Health Insurance: Maternity health insurance plans provide coverage for maternity-related expenses, including prenatal care, childbirth, postnatal care, and newborn baby care. These plans might also cover expenses related to hospitalisation, doctor consultations, diagnostic tests, and medications related to maternity and childbirth.
  • Critical Illness Health Insurance: Critical Illness health insurance plans offer financial protection against life-threatening illnesses such as cancer, heart attack, and other serious medical conditions. In the event of diagnosis of a covered critical illness, the policy will provide a lump sum payout to the policyholder in order to cover the medical expenses of the treatment.
  • Out-Patient Department (OPD) Coverage: Another type of ICICI Lombard health insurance plan is OPD coverage. Out-Patient Department coverage provides reimbursement for expenses incurred on outpatient medical treatments, consultations, diagnostic tests, medications, and procedures that do not require hospitalisation. It offers comprehensive healthcare coverage by including both in-patient and out-patient services.
  • Top-Up Plans: Top-up health insurance plans offer additional coverage over and above your existing health insurance policy. ICICI Lombard's top-up plans come into effect when the base sum insured of your primary medical policy is exhausted due to medical expenses. These plans provide a cost-effective way to enhance your health insurance coverage without increasing the premium significantly.
  • Women Health Insurance: Last but not least, women-specific health insurance plans by ICICI Lombard address the unique healthcare needs of women, including coverage for maternity, gynaecological treatments, and other female-related health issues. These plans might also offer additional benefits such as wellness programs, preventive screenings, etc.

List of all ICICI Lombard Health Insurance Plans

The table below briefs down all the ICICI Lombard health insurance plans:

Plan NamePlan TypeAgeSum Insured

AdvantEdge

Individual and Family Floater

Individual: 18 years - 65 years

Child: 91 days - 25 years

Rs. 3 lakhs - 300 lakhs

Max Protect

Individual and Family Floater

Individual: 21 years - 65 years

Child: 91 days (for floaters) or 6 years (for individuals) - 20 years

Up to Rs. 1 Crore

Health Booster

Individual and Family Floater

Individual: 6 years - No Maximum Age

Child: 3 months - 5 years

Rs. 5 lakhs - 50 lakhs

Golden Shield

Individual

56 years onward

Rs. 5 lakhs - 50 lakhs

Arogya Sanjeevani Policy

Individual and Family Floater

Individual: 18 years - 65 years

Child: 3 years - 25 years

Rs. 1 lakh - 5 lakhs

Corona Kavach

Individual and Family Floater

Individual: 18 years - 65 years

Child: Day 1 - 25 years

Rs. 50k - 5 lakhs

Saral Suraksha Bima

Individual

18 years - 70 years

Up to Rs. 1 Crore

Personal Protect

Individual

18 years - 80 years

Rs. 3 lakhs - 25 lakhs

Elevate

Individuals with family floater

Available for everyone above 18

Unlimited

ICICI Lombard Health Insurance Top Up List

  • Family (1)
  • Individual (1)
  • Kids (1)
Name of PlanSum Insured
Health BoosterMin: 3 Months; Max: No Limit5 Lakh Check Premium
Healthcare Plus PolicyMin: 5 years; Max: 65 years3 Lakh - 10 Lakh Check Premium

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Let's Explore Each plan in Detail

The details of each plan tabulated above are as follows:

1. AdvantEdge

ICICI Lombard offers the Health AdvantEdge policy as a solution to address healthcare needs at every stage of life. What sets this policy apart is its comprehensive approach to healthcare, which not only covers the expenses incurred during illness but also promotes preventive care and overall wellness.

In addition to financial assistance, the Health AdvantEdge policy provides access to a range of healthcare services designed to make healthcare more convenient. These services include video or teleconsultations with healthcare professionals, online chat options for medical queries, pharmacy and diagnostic services, etc. [2]

Riders

Maternity Benefit, Sum Insured Protector, Co-payment Option, Teleconsultations

Variants

Prime Plus, Royal Plus, and Apex Plus

Key Features

Restore benefit for sum insured, Guaranteed cumulative Bonus, Convalescence benefit, Health rewards, Pre-existing disease cover, etc.

Inclusion

Pre and post hospitalisation, AYUSH treatment, Domestic Air ambulance, Domiciliary hospitalisation, Organ Donor

Exclusion

War, civil war or breach of law, Naturopathy treatment, treatment taken outside the country, any illness contracted within 30 days from the start date of your policy, except accidental injuries

2. Max Protect

The ICICI Lombard MaxProtect health insurance policy is an insurance plan designed to cover you and your family's medical expenses. With the MaxProtect plan, you have the flexibility to choose from various sums insured options, including Rs.1 crore, Rs. 2 crores, Rs. 3 crores, and Rs. 5 crores.

In addition to covering standard benefits such as in-patient hospitalisation and daycare treatments, the MaxProtect policy also includes worldwide coverage for medical treatments outside the country. Moreover, one of the standout features of the MaxProtect policy is the unlimited sum insured reset benefit. You can also enjoy the Unlimited Restoration Benefit with this plan. [3]

Riders

Pre-existing disease waiting period waiver

Variants

Classic and Premium

Key Features

Extensive coverage, WorldwideT Coverage Option, Guaranteed Cumulative Bonus (GCB),

Modern Treatment Coverage, Multi-year policy discounts, etc.

Inclusion

In-patient treatment, Daycare procedures & treatments, In-patient treatment, Bariatric surgery, Reset benefit, In-patient AYUSH, etc.

Exclusion

External congenital anomalies, Cataract treatment, hernia, varicose veins & more are excluded for 24 months, etc.

3. Health Booster

Health Booster is a top-up health insurance plan specifically designed to bridge the gap when your primary health insurance coverage falls short. With this plan, you have the flexibility to choose from a wide range of sum insured options, ranging from Rs. 5 lakhs to Rs. 50 lakhs.

Additionally, you can select a deductible amount that suits your needs, with options ranging from Rs. 3 lakhs to Rs. 5 lakhs. Furthermore, Health Booster offers a unique benefit of Sum Assured Reset, allowing you to restore your coverage to 100% once in a policy year if the sum assured and additional sum insured are insufficient to cover a claim. [4]

Riders

Hospital Daily Cash, Convalescence Benefit, Personal Accident Cover, Repatriation of Remains, Critical Illness Cover, etc.

Variants

NA

Key Features

Wide range of sum insured, Flexible deductible options, No pre-policy medical tests, etc.

Inclusion

In-patient treatment, Floater benefit, Lifetime renewability, Cashless hospitalisation, In-patient AYUSH treatment, etc.

Exclusion

Treatments taken outside India, Alcohol or drug abuse, Suicide or self-inflicted injuries, Dental treatment, etc.

4. Golden Shield

ICICI Lombard offers Golden Shield, an exclusive health insurance plan designed for people 56 years of age and older. It covers unforeseen medical costs associated with hospital stays, childcare services, and ambulance services, much like a standard Mediclaim policy. This senior citizen health insurance policy provides extensive protection at an affordable price point.

Key features of this medical insurance policy include a significant sum insured amount, annual health check-ups, and the convenience of cashless hospitalisation. Please note that to qualify for Golden Shield, applicants have to undergo a brief pre-medical tele-screening process. [5]

Riders

Claim protector, Modification of Base Copayment, Care Management Plus Program, etc.

Variants

NA

Key Features

Affordable medical care, coverage for home care, Medical consultations and health check-ups, coverage for PED after 2 years, etc.

Inclusion

Donor expenses, Day care treatments, Modern treatments, Pre & post hospitalisation, Domiciliary hospitalisation & home care treatment, and more

Exclusion

Expenses incurred for the treatment of self-inflicted injuries, Treatment of injuries caused due to a civil war, Expenses incurred for cosmetic surgeries, etc.

5. Arogya Sanjeevani Policy

The Arogya Sanjeevani Policy, offered by ICICI Lombard General Insurance Company Limited, is a standard health insurance policy designed to provide coverage for you and your family's healthcare expenses arising from hospitalisation for more than 24 hours. This policy is available for individuals aged between 18 to 65 years and can be purchased either individually or as a floater policy.

Moreover, this ICICI Lombard offers a wide range of sum insured options starting from Rs. 1 lakh and going up to Rs. 5 lakhs, allowing you to select a coverage amount that best suits your requirements. [6]

Riders

NA

Variants

NA

Key Features

Family Floater Benefit, Premium Payment in Instalments, Cumulative Bonus, Free Look Period, etc.

Inclusion

AYUSH Treatment, Cataract Treatment, Pre Hospitalisation, Post Hospitalisation expenses

Exclusion

Rest Cure, Rehabilitation and respite care, Obesity / Weight Control, Change of Gender treatments, Cosmetic Surgery, etc.

6. Corona Kavach

True to its name, this policy offers coverage against medical expenses incurred due to COVID-19 upon testing positive at a government-authorised diagnostic centre. The ICICI Lombard Corona Kavach policy is available for individuals aged between 18 to 65 years and allows you to include your spouse, dependent children, parents, and parents-in-law under the coverage. In this policy, you can choose from a range of sum insured options ranging between Rs. 50,000 to Rs. 5 lakh, depending on your specific needs. [7]

7. Saral Suraksha Bima

If an accident leads to the insured person's death or permanent total disablement, the Saral Suraksha Bima policy ensures that the policyholder receives 100% of the sum insured amount. Under this policy, you can choose a sum insured amount of up to Rs. 1 crore. And, if the policyholder passes away due to accident-related injuries, the policy pays out the entire sum insured, helping the family cope with the sudden loss.

Moreover, Saral Suraksha Bima offers optional add-ons to enhance the coverage. These include benefits like coverage for temporary total disablement, reimbursement of hospitalisation expenses resulting from accidents, and an education grant. [8]

8. Personal Protect

Your ICICI Lombard Personal Protect policy provides extensive coverage to protect you against unanticipated accidents. It provides protection against Accidental Death or Permanent Total Disablement (PTD) resulting from accidents. Furthermore, you can enhance your coverage with optional benefits like Accidental Hospitalisation Expenses and Accidental Hospital Daily Allowance.

You can select a sum insured amount between Rs. 3 lakhs and Rs. 25 lakhs based on your needs, thanks to the policy's adjustable coverage options. The policy covers a variety of accidents, such as those that happen on railroads, on the road, as a result of natural disasters, or as a result of terrorism. [9]

9. Elevate

Elevate is ICICI Lombards' latest launch which is powered by Artificial Intelligence. It provides health insurance plans for individuals with family floaters available. Elevate is a revolutionary step in health insurance as it introduces many amazing covers such as infinite care.

The key feature of Elevate is that you can purchase a policy with a sum insured ranging from 7.5 Lakh Rupees to an unlimited amount. This plan sets itself apart from other existing plans due to the introduction of many new benefits like claim protector, inflation protector, Infinite cumulative bonus, Infinite Claim Amount, and many others.

Riders

Maternity Benefit, Teleconsultation, NRI Advantage ( Accidental Emergency Cover for NRI), Infinite Reset

Variants

NA

Key Features

Power Booster, Infinite Care, Claim Protector, BeFit, Inflation Protector, Infinite cumulative bonus, Jumpstart

Inclusion

Wellness Program, Modern Treatment, In patient AYUSH Hospitalisation, Guaranteed Cumulative Bonus, Bariatric Surgery, Domestic Road Ambulance

Exclusion

Expenses for specific pre-existing illnesses


A waiting period will apply for specific diseases such as hernia, all kinds of sinuses, uterus bleeding, cataracts, joint replacement, and many more.

Eligibility Criteria to Purchase Plan

To qualify for purchasing a health insurance plan from ICICI Lombard, certain criteria must be met:

1. Age Requirements

  • The proposer must be at least 21 years old
  • For a family floater policy (covering multiple family members under one plan), a child must be over three months old to be eligible for health coverage

2. Waiting Period

  • There's a waiting period of 30 days initially after purchasing the policy. However, this waiting period is waived off in case of accidental emergencies
  • Specific ailments have a waiting period of 2 years
  • The waiting period for pre-existing diseases is also 2 years

3. Additional Conditions

  • The family floater policy allows coverage for up to two adults and two children
  • If you are over 56 years old, you'll need to undergo a medical examination at one of ICICI Lombard's certified centers as part of the application process.

How To Purchase an ICICI Lombard Health Insurance Plan?

You can purchase the ICICI Lombard health insurance plan either online or offline, depending upon your choice or comfort. The details of both these ways are included below:

Online Process

If you wish to buy the ICICI Lombard health insurance plan online, you can do it either by visiting the InsuranceDekho website or via the insurer's website:

Purchase Health Insurance With InsuranceDekho

Follow the steps mentioned below to make your health insurance policy purchase from the official InsuranceDekho website:

Step 1: Share Your Details on the InsuranceDekho Website

First, go to InsuranceDekho's health insurance page [10] and enter your name and phone number in the provided form.

Step 2: Pick the Right Plan

Next, choose the most suitable ICICI Lombard health insurance plan from the list of options. Make sure you choose what you need and what you can afford.

Step 3: Pay for Your Policy

Then, fill out two forms with your information and answer a couple of health-related questions. Moreover, you will be required to provide some documents and pay the premium amount.

Step 4: Get Help After Payment

Once you've paid the premium of the chosen ICICI Lombard health policy, a manager from InsuranceDekho will reach out to you to help with getting your policy sorted out.

Purchase Health Insurance Policy via Insurer Website

The quick and easy steps to purchase ICICI Lombard health insurance directly from the insurer's website are as follows:

Step 1: Visit the Insurer Website

Begin the process by visiting the official website of ICICI Lombard Health Insurance [11] and inputting the required details.

Step 2: Follow the Steps Above

To move forward, simply follow the steps above (beginning from Step 2) as outlined in the section "Purchase Health Insurance With InsuranceDekho" to finalise the process of purchasing your policy via the official ICICI Lombard Insurance website.

Offline Process

Follow the steps below if you wish to receive personalised assistance from the InsuranceDekho relationship manager regarding your ICICI Lombard health insurance policy purchase:

Step 1: Provide Information on the Website

Go to www.insurancedekho.com and enter essential details such as your mobile number, age, and pin code.

Step 2: Compare the Available Plans

Once you've entered your details, you will receive a list of the most suitable ICICI Lombard health insurance plans.

Step 3: Ask for a Call Back

In case you need further assistance, you can request a callback by updating your inquiry on the plan page. And, if you require additional support, an InsuranceDekho relationship manager can be arranged for a home visit to provide personalised assistance.

Required Documents

To buy ICICI Lombard Health Insurance, you'll need the following documents:

  • A filled-out and signed Proposal Form
  • Proof of age, like 10th or 12th Mark Sheet, Voter Card, Passport, PAN Card, Driving Licence
  • Proof of where you live, such as an Aadhaar card, Passport, Driving License, Electricity Bill or Voter Card
  • Any medical reports the insurance company needs
  • Passport-size photos

Comparing ICICI Lombard Health Insurance Plan Variants

The table below highlights the differences between three different variants of the Health AdvantEdge plan:

Features

Prime Plus

Royal Plus

Apex Plus

Sum Insured

3/4 Lakhs

5/7.5/10/15/20/25/30/40/50 Lakhs

75/100/150/200/300 Lakhs

Maternity

Not Covered

Covered

Covered

Newborn Baby & Vaccination

Not Covered

Covered

Covered

Bariatric Surgery

Not Covered

Covered

Covered

OPD

Not Covered

Covered

Covered

Worldwide Coverage

Not Covered

Covered For SI Above 10 Lakhs

Covered For SI Above 25 Lakhs

Note: The variants might differ from one ICICI Lombard health insurance plan to another. The table above is crafted by comparing the variants of the most popular ICICI Lombard plan i.e. HealthAdvantEdge.

How to Upgrade Your ICICI Lombard Health Insurance Plan?

If you wish to enhance your health insurance coverage with ICICI Lombard, here's how you can easily upgrade your plan with InsuranceDekho:

  • At the Time of Renewal

When your health insurance policy is up for renewal, it presents an excellent opportunity to upgrade your coverage. InsuranceDekho offers various options for upgrading your ICICI Lombard medical insurance plan, such as increasing the sum insured or adding additional riders. During the renewal process, you can review your current coverage and discuss with us any upgrades that may better suit your current healthcare needs.

  • In Between

You don't have to wait until your policy renewal date to upgrade your ICICI Lombard health insurance plan. In case you find that your current coverage is insufficient or if your healthcare requirements change, you can reach out to InsuranceDekho's customer support team to explore upgrade options.

  • Portability Benefits

If you are considering switching to ICICI Lombard from another health insurance provider, you can take advantage of InsuranceDekho's portability feature that will allow you to upgrade your coverage. This feature allows policyholders to transfer their existing health insurance policy to a new plan while retaining certain benefits such as waiting period credit and continuity of coverage.

References

  1. https://www.icicilombard.com/about-us
  2. https://www.icicilombard.com/docs/default-source/default-document-library/health-advantage-apex-plus-brochure.pdf?sfvrsn=39fd6bd6_0
  3. https://www.icicilombard.com/docs/default-source/default-document-library/maxprotect-policy-wordings.pdf
  4. https://www.icicilombard.com/docs/default-source/assets/health-booster-brochure.pdf
  5. https://www.icicilombard.com/docs/default-source/default-document-library/golden-shield-brochure.pdf?sfvrsn=39fd6b95_0
  6. https://www.icicilombard.com/docs/default-source/policy-wordings-product-brochure/arogya-sanjeevani-policy---prospectus.pdf
  7. https://www.icicilombard.com/docs/default-source/policy-wordings-product-brochure/corona-kavach-policy-icici-lombard--prospectus.pdf?sfvrsn=39fd6ba6_2
  8. https://www.icicilombard.com/docs/default-source/default-document-library/saral-suraksha-bima-icici-lombard---policy-wordings8c0003ff45fd68ff8a0df0055efe8b8e.pdf?sfvrsn=39fd6b88_2
  9. https://www.icicilombard.com/health-insurance/personal-protect-brochure.pdf
  10. https://www.insurancedekho.com/health-insurance
  11. https://www.icicilombard.com/

Health Insurance News

FAQs

  • Why should I buy ICICI Lombard health insurance policy?

    ICICI Lombard Health Insurance is a smart choice to secure yourself and your loved ones against medical contingencies. The plans offered provide comprehensive health coverage along with outpatient department (OPD) benefits, maternity cover and a host of wellness benefits. Also, there are various value added services that enable you to enhance the sum assured, in case of claim-free years.

  • How do I cancel ICICI Lombard policy?

    You can easily cancel your policy during free-look period, just fill up the form and visit any of the ICICI Lombard branches. Once request is processed, refund of premium amount will be provided after applicable deductions(in any) within 15 days.

  • What is the toll free number of ICICI Lombard General Insurance?

    ICICI Lombard’s toll free number is 1800-2666.

  • What do you mean by floater option in ICICI Lombard health insurance plan?

    In a floater option, a single policy under one sum insured covers all the family. It can cover, 2 adults, 2 adults, and 1 child; 1 adult and 2 children; 2 adults and 3 children; 1 adult and 1 child. The sum insured can be used by anyone or all covered under the policy until the time the limit is exhausted.

  • Can I insure more than 2 adults or more than 3 children in my ICICI Lombard health insurance plan?

    There can be a maximum of 2 adults and 3 children in a policy. If the number of adults or number of children is more than 2+3, you need to buy a separate policy for the additional members.

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    InsuranceDekho helped me and my family with choosing ICICI Lombard's health insurance, it has been a lifeline. It is simple to obtain the appropriate coverage because their plans are designed to fit a range of demands and price points. I am comfortable knowing that I have adequate coverage against unforeseen medical costs thanks to ICICI Lombard. Thanks to InsuranceDekho’s team for making my future save.

    K
    ICICI Lombard
    By Keshav Kumar
    On: Jun 25, 2024
  • User-friendly website

    It was easy to get ICICI Lombard Health Insurance through InsuranceDekho. The portal made it easy for me to compare plans and provided a wide range of excellent options. The procedure was simple and stress-free thanks to their thorough explanations and assistance. I'm delighted with the quick and effective service I received.

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    ICICI Lombard
    By Shivani Jangra
    On: Jun 20, 2024
  • Selecting health insurance mad...

    Choosing health insurance has never been easier thanks to InsuranceDekho! I had no issue exploring their website and locating the “ICICI Lombard Personal Protect Plan” that I wanted to buy. They also have a really friendly customer service team that answered all of my questions.

    K
    ICICI Lombard
    By Kiran Joshi
    On: May 28, 2024
  • Claim settlement process made ...

    Smooth process overall. ICICI Lomabrd's claims were settled without much delay. Wish the premium was a tad lower, but still satisfied. InsuranceDekho has been a huge help throughout the process. Wonderful customer care team.

    K
    ICICI Lombard
    By Khushi Sharma
    On: May 23, 2024
  • Affordable Financial Protectio...

    I bought the ICICI Lombard Health Insurance Plan from their online platform. The insurance experts of the InsuranceDekho company explained all the policies available in detail. It was very easy for me to compare the health insurance plans and choose the best for myself. My heartful thanks to the InsuranceDekho company for helping me in buying the best health insurance plan.

    R
    ICICI Lombard
    By Rohit Kumar
    On: Mar 12, 2024

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