ICICI Lombard Health Insurance
ICICI Lombard is committed to customer centricity with its brand philosophy of ‘Nibhaaye Vaade’. They provide comprehensive healthcare cov...Read More
Network hospitals
10800+
Incurred claim ratio
98.53%
Sum insured
Up to2 Crores
No. of Plans
9
Solvency Ratio
2.5
Pan India Presence
312+
ICICI Lombard Health Insurance Company
ICICI Lombard Health Insurance Company was formed when two big ventures, ICICI Bank Liited from India and Fairfax Financial Holdings Limited from Canada came together. You can find a comprehensive list of health insurance plans that can cover the medical expenses incurred during hospitalization, daycare procedures, ambulance charges, and domiciliary hospitalization. Although, ICICI Lombard Health Insurance plans are among the popular choices. You can also get a super top-up plan that can cover you when the base health insurance plan gets exhausted.
What does ICICI Lombard Health Insurance do?
The insurance plans by ICICI Lombard are created to cover the expenses of all your medical expenses. Whether it is teleconsultation with the doctor or heavy tests before any major surgery. With a health insurance policy, you can claim cashless treatments, without worrying about hospital bills. The company provides coverage against many treatments. Before moving forward let us read some interesting facts about the company.
What are some of the
Features
that set them apart?
-
1
Offers health plans for worldwide coverage and unlimited sum insured
-
2
A comprehensive wellness system to promote a healthy lifestyle
-
3
Emergency ambulance services
-
4
Health plans offering coverage for 20 critical illnesses
-
5
Unlimited teleconsultations
ICICI Lombard Health Insurance Awards and Accolades.
- CSR Times Awards for Niranjali initiatives in the Swachh Bharat category
- CX Strategy Summit and awards for CX technology implementation and the customer experience team of the year
- Assocham 14th Global INsurance in the 'Highest Growth GI' category
- Most Innovative New Product of the Year - Young Star Health Insurance Policy
- Finnoviti Awards 2022 for the face scan feature of the IL Take Care App
Best Selling ICICI Lombard Health Insurance Plans
Let's take a look at the list of health insurance plans that offer comprehensive protection to you and your family
-
Individual and Family Health Insurance
ICICI Lombard Health Insurance Plans Eligibility Approximate Annual Premiums AdvantEdge Plan Entry Age - 18 - 65 years
Sum Insured - Up to 3 CrRs. 7,433
Arogya Sanjeevani Policy Entry Age - Min- 3 months, Max- 65 years
Sum Insured - Up to 5 LRs. NA
-
Accident Health Insurance
ICICI Lombard Health Insurance Plans Eligibility Approximate Annual Premiums Personal Protect Policy Entry Age - 18 to 80 Years
Sum Insured - Up to 25 LRs. N/A
-
Senior Citizen Health Insurance
ICICI Lombard Health Insurance Plans Eligibility Approximate Annual Premiums Golden Shield Plan Entry Age - Min- 56 years, Max- No Limit
Sum Insured - Up to 50 LRs. NA
-
Top Up and Super Top Up
ICICI Lombard Health Insurance Plans Eligibility Approximate Annual Premiums Health Booster Entry Age - Min- 6 years , Max- No Limit
Sum Insured - Up to 50 LRs. NA
-
Group Health Insurance
ICICI Lombard Health Insurance Plans Eligibility Approximate Annual Premiums Group Health Insurance Entry Age - Min- 180 days, Max- 95 years
Sum Insured - Up to 10 LRs. NA
Key Features Of ICICI Lombard Health Insurance
Let us take a look at some unique features of top-selling ICICI Lombard Health Insurance policies:
For Individual and Family Health Insurance
AdvantEdge Plan
ICICI Lombard Health AdvantEdge covers 20 critical illnesses including cancer, and has an add-on maternity insurance for both the mother and the newborn baby. The policy offers all-around health care with value-added services like wellness programs through which policyholders can avail rewards by adapting to healthy habits.
Why Do We Recommend This?
- Domestic Air Ambulance
- New Born and Vaccine Cover
- Avail PED Cover
For Accident Health Insurance
Personal Protect Policy
Comprehensive health insurance covers road traffic accidents and assisted reproductive treatments. The plan offers a 5% discount on premiums for maintaining a healthy lifestyle.
Why Do We Recommend This?
- Avail cataract treatments for covered members
- Emergency domestic evacuation
- Compassionate visit
For Senior Citizen Health Insurance
Golden Shield Plan
Golden Shield Plan by ICICI Lombard offers multiple health care features making sure that insured individuals have access to efficient medical care. With features like a care management program, and a co-pay reduction option the plan is an ideal plan for senior citizens.
Why do we recommend this?
- Care Management Program
- Claim Protector Benefit
- Voluntary Deductibles
For Top Up and Super Top Up
Health Booster
The policy acts as a shield as it covers the expense exceeding your current health insurance coverage. The policy covers flexible deductible choice, lifetime renewability, and policy period options with no age restrictions.
Why do we recommend this?
- Wide range of coverage
- Flexible deductible choices
- Day care treatment
For Group Health Insurance
Group Health Insurance
ICICI Lombard Group insurance is a type of insurance plan that covers many people in the same proximity, for example, employee-employer, bank customers, and office or society members. Irrespective of their age, gender, occupation or socio-economic status, these plans provide the same extent of insurance coverage to all members of a group.
Why do we recommend this?
- Less Waiting Period
- Hospitalisation Coverage
- Day Care Treatment
Explore other ICICI Lombard Health Insurance
To cater to the different medical needs of an individual & their family, ICICI Lombard Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more. Take a look below to ICICI Lombard Health Insurance plans explore more:
Individual and Family Health Insurance
ICICI Lombard Health AdvantEdge plan is a comprehensive health insurance plan designed to cater to all your health care needs. A family health insuran...
Unique Features
- Global Cover
- SI Upto 3 Cr
- Air Ambulance Cover
AdvantEdge Plan (Pros)
- Restoration Benefit
- Cumulative Bonus
- Health Rewards
- Domestic Air Ambulance
AdvantEdge Plan (Cons)
- OPD Cover
- Second medical opinion
- Modern treatment
- IVF treatment cover
AdvantEdge Plan (Other Benefits)
- New Born Cover
- Vaccine Cover
- Maternity Cover
- PED Cover
- Personal Accident Cover
AdvantEdge Plan (Eligibility Criteria)
- Entry Age: 18 - 65 years
- SI: 5 L to 3 Cr
- Initial waiting period: 30 days
Accident Health Insurance
ICICI Lombard Personal Protect Policy is a comprehensive health insurance policy that offers an array of benefits and extensions to safeguard the insu...
Unique Features
- Accidental Death Benefit
- Acts Of Terrorism Cover
- Life Long Renewal
Personal Protect Policy (Pros)
- Accidental Death
- Permanent Total Disablement Benefit
- Hospital Daily Allowance
Personal Protect Policy (Cons)
- Illegal activities
- Adventure sports
- Obesity
Personal Protect Policy (Other Benefits)
- Operational Coverage
- Accidental Hospitalization
- Hospital Daily Allowance
Personal Protect Policy (Eligibility Criteria)
- Min entry age: 18 Years
- Max entry age: 80 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 25 L
Senior Citizen Health Insurance
Golden Shield Plan by ICICI Lombard is designed especially for senior citizens and to cater to all their health care needs. With growing age, the huma...
Unique Features
- Care Management Program
- 50 L SI Available
- Co-Pay Modification
Golden Shield Plan (Pros)
- Reset Benefit
- Coverage for Ambulance
- Cashless Hospitalization
Golden Shield Plan (Cons)
- Maternity cover
- New born cover
- Daily hospital cash
Golden Shield Plan (Other Benefits)
- Care Management Program
- AYUSH Treatments
- Claim Protector
Golden Shield Plan (Eligibility Criteria)
- Entry age: 56 years to no maximum limit
- Sum insured: 5 to 50 Lakhs
- Initial waiting period: 30 days
Individual and Family Health Insurance
ICICI Lombard Arogya Sanjeevani is a versatile plan that pays for your medical bills in case of hospitalization. If you are looking for a health plan ...
Unique Features
- COVID-19 Cover
- Ambulance Cover
- Affordable Plan
Arogya Sanjeevani Policy (Pros)
- Cumulative bonus
- Cataract treatment covered
- Modern procedures covered
- Intensive cardiac care charges
Arogya Sanjeevani Policy (Cons)
- No eyesight correction expenses
- Fertility expenses not covered
- Nursing expenses not covered
- Nursing at home not covered
- OPD expenses not covered
Arogya Sanjeevani Policy (Other Benefits)
- Floater benefit
- Pre-existing diseases after 4 years
- In-patient AYUSH treatment
- Day care procedures
Arogya Sanjeevani Policy (Eligibility Criteria)
- Entry age- 18 years
- Max entry age- 65 years
- SI- 1 L to 5 L
- Waiting period- 30 days
Top Up and Super Top Up
ICICI Lombard Health Booster is a comprehensive super top-up health insurance plan designed to enhance your existing coverage. The policy acts as a s...
Unique Features
- Reset Benefit
- Top-up Plan
- Lifetime Renewability
Health Booster (Pros)
- In-patient treatment covered
- High range of coverage
- Flexible coverage
Health Booster (Cons)
- Injury due to war
- Cosmetic surgery
- Aesthetics treatment
Health Booster (Other Benefits)
- Reset benefit
- Domestic road emergency
- Pre and post-hospitalisation
- Donor expenses
Health Booster (Eligibility Criteria)
- Min entry age: 6 Years
- Max entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 50 L
Individual and Family Health Insurance
ICICI Lombard MaxProtect health insurance plan is a multiple-benefit provider plan that comes with affordable premiums. It has two variants ie, Classi...
Unique Features
- Up to 1 Crore SI
- International coverage
- Modern treatment
ICICI Lombard MaxProtect Plan (Pros)
- Worldwide coverage
- Modern-day treatment procedures
- Reset benefits
ICICI Lombard MaxProtect Plan (Cons)
- Maternity cover
- OPD not covered
- Daily hospital cash
ICICI Lombard MaxProtect Plan (Other Benefits)
- Multi-yearPolicy discounts
- Automatic restoration
- Domiciliary hospitalization
ICICI Lombard MaxProtect Plan (Eligibility Criteria)
- Entry age: 21 to 65 years
- Sum Insured: Upto 1 Cr
- Initial Waiting Period: 30 Days
Individual and Family Health Insurance
Worried about your medical expenses? Boost your healthcare experience with the ICICI Lombard Health Shield 360 insurance policy. Healthcare is one of ...
Unique Features
- 360° wellbeing programs
- High SI options
- Home healthcare
Health Shield 360 (Pros)
- Worldwide cashless facility
- Unlimited reset cover
- Daycare procedures
Health Shield 360 (Cons)
- Illegal activites
- Adventure sports
- Drug abuse
Health Shield 360 (Other Benefits)
- Air ambulance
- OPD Cover
- Additional Sum Insured
Health Shield 360 (Eligibility Criteria)
- Min entry age: 21 Years
- Max entry age: 75 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 1 Cr
Individual and Family Health Insurance
Customize your ICICI Lombard Complete Health Plan with 4 available variants ICICI Lombard Complete Health Insurance is a comprehensive health ins...
Unique Features
- Wellness Program
- Maternity & Newborn Cover
- Riders Available
Complete Health Insurance (Pros)
- Critical Illness cover
- AYUSH treatment covered
- Ambulance coverage
- E-consultation
Complete Health Insurance (Cons)
- Vaccination not covered
- IVF Treatment
- Modern treatment
- Air ambulance
Complete Health Insurance (Other Benefits)
- Cataract
- Daily hospital cash
- Organ donor
Complete Health Insurance (Eligibility Criteria)
- Min entry age: 3 months
- Max entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 50 L
Group Health Insurance
ICICI Lombard Group insurance is a type of insurance plan that covers many people in the same proximity, for example, employee-employer, bank customer...
Unique Features
- Large Sum Insured
- Daycare Treatment
- Floater Benefit
Group Health Insurance (Pros)
- Tax benefit
- Less waiting period
- Hospital coverage
- Wide range coverage
Group Health Insurance (Cons)
- Pre-existing diseases
- Hazardous or adventure sports
Group Health Insurance (Other Benefits)
- Cashless benefit
- Day care treatment
- Floater benefit
Group Health Insurance (Eligibility Criteria)
- Min entry age: 18 Years
- Max entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 50 L
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Why Choose ICICI Lombard Health Insurance?
- Versatile and affordable health insurance plans for every need
- 24X7 customer support for easy claim settlement
- Over 10000 network hospitals all over India
- Offers comprehensive coverage at affordable premiums
- Tax benefits under Section 80D of the Income Tax Act
What is Covered?
Pre and Post Hospitalization Expenses
ICICI Lombard Health Insurance understands the impact of medical inflation, thus they have made sure that their insurance products contain pre and post-hospitalization expenses related to in-patient hospitalization.
AYUSH Treatments
Most ICICI Lombard Health Insurance plans have in-built alternative treatment cover which you can utilize to your benefit. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.
Hospitalization Expenses
ICICI Lombard health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.
Day Care Treatments
Multiple procedures do not require a 24-hour hospitalization. With this in mind, a majority of the ICICI Lombard health insurance plans are designed to cover daycare procedures for policyholders.
Domiciliary Hospitalization
On a doctor’s recommendation, a policyholder can avail of medical care in the comfort of their home. ICICI Lombard health insurance plans cover domiciliary hospitalization up to specified sub-limits.
What is not Covered?
Self Inflicted Injuries
ICICI Lombard health policies will not cover injuries or hospitalization caused by self-harm.
Cosmetic Procedures
ICICI Lombard Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.
Adventure Sports
ICICI Lombard Health Insurance plans will not cover you for hospitalizations, or accidents caused due to adventure sports.
Obesity or Weight Control Treatments
ICICI Lombard Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.
Involvement In Illegal Activities
ICICI Lombard health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.
What Are The Different Waiting Periods In ICICI Lombard Health Insurance Plans?
The various waiting periods associated with ICICI Lombard Health plans are:
Initial Waiting Period
Begins from the date of purchase and lasts for up to 30 days for most ICICI Lombard Health Insurance plans.
Pre-existing Disease Waiting Period
ICICI Lombard Health Insurance plans require you to serve specific waiting periods in case you are diagnosed with PEDs such as hypertension, diabetes, or any other.
Survival Period
Like waiting periods, ICICI Lombard health insurance plans with critical illness coverage have a survival period. During this period policyholders diagnosed with any listed critical illness must outlive the survival period to enjoy coverage benefits.
ICICI Lombard Health Insurance Plans Buying Process
If you are looking forward to purchasing Star Health insurance online follow the simple steps below:
- Step 1
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
- Step 2
Click on 'Get free quotes' and compare ICICI Lombard Health Insurance Plans as per your needs.
- Step 3
Select and pay premiums online for your purchased ICICI Lombard health insurance plan.
- Step 4
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your ICICI Lombard Health Insurance plan.
ICICI Lombard Health Insurance Renewal Process
Follow the steps for ICICI Lombard Health Insurance policy renewal
- Step 1
Visit the official website of ICICI Lombard Health Insurance Company
- Step 2
Click on the ‘Renewals’ tab
- Step 3
Mention your ‘Policy Number’ and ‘Date Of Birth’
Connect with our insurance experts for ICICI Lombard health insurance policy renewal at 1800 - 4200 - 269
ICICI Lombard Health Insurance Plan Claim Process Steps
You can file for cashless as well as reimbursement claims for your ICICI Lombard Health Insurance Plans by following these easy steps:
- Step 1
Visit the website of ICICI Lombard Health Insurance, and select the "Claims" option. Then click on the "Claim Intimation" to check out the form.
- Step 2
Now select "health claim" and require the information which is the policy number, date of birth, and other details they ask for.
- Step 3
Now select the "claim type", whether you want to opt for a cashless claim or reimbursement. Click on the authorize and you will receive the OTP on the verified number.
- Step 4
Get verified with the OTP and fill in the required hospital admission information, select the hospital, and fill in the hospital details in case of a non-network hospital.
- Step 5
Upload the documents asked and click on the "review" button.
- Step 6
After clicking on the review button you need to submit the intimation for the company to review. You will receive a claim intimation number which you need to note down for future purposes.
Documents Required For ICICI Lombard Health Policy Claim Settlement
Submit the following documents when filing for ICICI Lombard health claims:
- Duly completed and signed claim form, in original
- Valid photo-ID proof
- Medical practitioner's referral letter and prescription
- Original bills, receipts, and discharge cards from the hospital/medical practitioner
- Original bills from pharmacy/chemists
- Original pathological/diagnostic tests reports/radiology reports and payment receipts
- Indoor case papers
- First Information Report, final police report, if applicable
- Post-mortem report, if conducted
- Any other document as required by the company to assess the claim
More Queries?
If you have any more queries regarding
Plans,
Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269
now!
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Written By: Simran Saxena
An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Travelling and writing are her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and seamlessly solves the reader’s query.
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