Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin

ICICI Lombard Rishtey Health Insurance

244 reviews Rate This
ICICI Lombard 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 Rishtey Health Insurance

Rishtey Health Insurance by ICICI Lombard is a comprehensive health cover for senior citizens. An ideal choice to go with, the Rishtey plan helps you take care of your loved ones, even when they are far away, especially at a time when they need financial assistance during a medical emergency. Available in 2 variants, namely Plan 1 and Plan 2, Rishtey plan is definitely a good medical insurance solution for the elderly. Valid up to 2 years, the cover of ICICI Lombard Rishtey offers cashless hospitalisation in 3,600+ network hospitals. With maximum entry age of 70 years, Rishtey Health Insurance features cumulative bonus, sum insured enhancement and other benefits. Offering the benefit of free health check-up for one insured family member, Rishtey Health Insurance also provides cover for hospitalisation in case of Swine Flu/H1N1 influenza, in case, it is not a pre-existing illness. However, note that the plan covers pre-existing illnesses after four continuous years of coverage.

Health Insurance Calculator

Whom do you want the insurance for ?


Select the age of all members

  • You

Where do you live ?

Choose required Coverage for yourself?

2 Lac
3 Lac
5 Lac
10 Lac
25 Lac
Disclaimer : Actual Premium might vary basis your location, age and number of members
Need help?

Get FREE Personalized Insurance Advice At Your Home

Key Inclusions and Exclusions of the Plan

What's Included

  • 30 days pre-hospitalisation & 60 days post hospitalisation covered
  • Re-reimbursement of return air-fare of the NRI applicant if he/she is required to visit the hospitalised insured (dependent)
  • Inpatient hospitalisation, including room charges, medicine bills, doctor/surgeon’s fees, etc.
  • Day care expenses incurred on named advanced technological procedures & surgeries
  • The policy also provides nursing care benefits

What's Not Included

  • Congenital diseases and any injury/disease existing before the inception of the policy
  • War, terrorism acts, strike, riots/nuclear weapon induced treatment
  • Expenses owing to HIV or AIDS and related diseases
  • Non-allopathic treatment, pregnancy & childbirth related diseases
  • Intentional self-injury, cosmetic, psychiatric, mental and behavioral disorders

1573 ICICI Lombard Cashless Network Hospitals in India

Rishtey User Reviews

Write your review
What users are saying
  • All
  • The website of InsuranceDekho had online tools for comparison. I used these tools for comparing different life...

    Read More
    By Joydeep Thapa
    On: Jul 19, 2023
  • I landed on InsuranceDekho looking for a suitable health plan for my parents. I got a number of quotes, but I ...

    Read More
    By Kabir Sharma
    On: Mar 01, 2021
  • I wanted a health plan to provide essential medical treatment-related protection to my parents. A friend recom...

    Read More
    By Rituparna Saha
    On: Feb 15, 2021
  • I acknowledge InsuranceDekho for helping me get a full proof health plan for my family. I received a number of...

    Read More
    By Timir Chakraborty
    On: Jan 28, 2021
  • I came to InsuranceDekho looking for a suitable Health plan for my parents. I checked the claim settlement rat...

    Read More
    By Purbasha Mukherjee
    On: Jan 18, 2021

ICICI Lombard Rishtey Expert Review

  • Expert Review

    ICICI Lombard Rishtey Plan is a complete health cover specially designed for a family, including senior citizens. It can be of great usage for parents. The plan is meant to offer financial assistance to families, with senior people, in their old days during a medical emergency. With its usage you can help your loved ones, even being far from them, in their unhealthy days by making them get the proper health care without worrying about the expenses.

    The plan is available for self, spouse, children, and parents. The coverage is provided to everyone between the age group of 3 months and 70 years. The policy allows entry for everyone without any health check-up until 45 years of age. It takes care of you and your family whenever and wherever they need the most with 4000+ network hospitals across the country. 

  • Major Attractions

    A policy doesn’t become a complete plan by just offering a wide range of benefits, but when it provides extensive coverage for the entire family. The ICICI Lombard Rishtey Plan holds several features to prove itself an attractive and comprehensive health insurance plan. Some major highlights of the plan are as follow:

    • Coverage for in-patient hospitalisation expenses
    • Sum Insured options are available for up to Rs. 3 Lakh
    • The cost incurred on pre and post hospitalisation for 30 and 60 days
    • Charges of nursing care are covered under the plan for 3 days
    • Covers the treatment expenses related to Swine Flu / H1N1 influenza
    • Coupon for free health check-up is provided for one insured individual
    • Advanced procedures and surgeries that require less than 24-hour hospitalisation like radiotherapy, chemotherapy, dialysis, etc.
    • Hospitalisation expenses for the treatment of injury occurred due to terrorist activities
    • Reimbursement of applicant’s airline expenses to visit insured parents, if they are hospitalised for some medical emergencies
  • What’s More?

    Besides general features, the plan owns some unique features as well, where it offers profit to customers. The beneficial components of the plan include:

    • The maximum age of renewability is 75 years
    • Tax-related savings can be made as per the section 80D of the IT Act
    • If no claim is made under the plan, policyholders are eligible to get 5% extra sum insured on each renewal up to 50%
  • Conclusion

    Going through the features and coverage benefits of the plan, the policy can be considered as a perfect plan for a family with senior citizens. It is an affordable and suitable plan for all.   

    When it comes to selecting and buying a health insurance plan, always prefer online over the offline platform. The online platform offers a wide range of products, helps in comparison and safe payment process. Insurance Dekho is a website that works as a web aggregator in the health insurance domain. With the help of its team, you can select a plan as per your needs, get claim settlement support and so on.

ICICI Lombard Rishtey Brochure

  • 43.90 KB
  • PDF Document
  • Jun 13, 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 Rishtey Health Insurance Plan

  • What is the eligibility age for Rishtey Health Insurance?

    For Rishtey plan, while the minimum entry age is 3 months, the maximum entry age is 70 years.


  • What is the maximum renewal age for Rishtey plan?

    The maximum renewal age for Rishtey plan is 75 years.

  • What are the sum insured options under ICICI Lombard’s Rishtey plan?

    For Plan 1, the sum insured is Rs. 2 Lakh per year. While, for Plan 2, the sum insured is Rs. 3 Lakh per year.

  • Does Rishtey plan by ICICI Lombard cover pre-existing illness?

    Yes, Rishtey plan covers pre-existing illness of the insured from the fifth year. 

  • After what age does one have to opt for medical checkup under Rishtey plan?

    Under Rishtey plan, one has to go for medical checkup above the age of 55 years.

View More Questions

Health Insurance Articles

  • Latest Articles
  • Popular Articles