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

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ICICI Lombard Health Insurance
Network hospital

Network hospitals

10800+

Claim settlement ratio

Claim settlement ratio

98.53%

Sum Insured

Sum insured

Up to2 Crores

No of Plans

No. of Plans

11

Solvency Ratio

Solvency Ratio

2.5

Pan India Presence

Pan India Presence

312+

Customized Health Insurance Plan for you.

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Age of Eldest Member

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ICICI Lombard Health Insurance
Simran saxena
Written By:
Simran

Simran saxena

Health and Term Insurance

Simran has over 3 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.

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Reviewed By:
Naval Goel

Naval Goel

Insurance & Business

Naval Goel, the founder of PolicyX is a well-recognised name in the Indian insurance and finance industry. His global overview has revolutionised the way insurance is perceived and bought by commoners in India.

Updated on Aug 07, 2023 4 min read

Himanshu Kumar

Himanshu Kumar

Term Insurance, Content Writer

Content Manager with heart, mind, and soul dedicated to creating impactful content that exceeds the market standard, delivers and reaches the readers conveniently. Besides producing high-ranking content, my focus lies in creating content that solves user queries and adds value.

Himanshu Kumar

Written By: Himanshu Kumar

Updated on Jan 15, 2025

Himanshu Kumar

Anchita Bhattacharyya

Term Insurance, Content Manager

Content Manager with heart, mind, and soul dedicated to creating impactful content that exceeds the market standard, delivers and reaches the readers conveniently. Besides producing high-ranking content, my focus lies in creating content that solves user queries and adds value.

Reviewed By: Anchita Bhattacharyya

15 min read

Rhishabh Garg
Written By: Rhishabh Garg
Rhishabh Garg
Rhishabh Garg Term Insurance Head
Rhishabh Garg is the Business Unit Head of Term Insurance at Policybazaar.com. He has over 10 years of experience and currently plays a crucial role in shaping the future of term insurance in the company. Rhishabh also has experience in customer services and crafts new strategies for organizational success, one of which is Policybazaar’s claim assistance program.
Santosh Agrawal
Reviewed By: Santosh Agrawal
Santosh Agrawal
Santosh AgrawalChief Business Officer
Santosh Agarwal is the Chief Business Officer of life Insurance at Policybazaar.com and has over a decade of experience in the insurance domain. She has helped shape Policybazaar's life insurance vertical and ensures the effective execution of the company's overall strategy. Santosh is also responsible for the Term Insurance for Women domain at Policybazaar.com and educates the masses about its importance and benefits.

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.

10,800+

1

Network
Hospitals

2.17 Cr

2

Policies
Issued

1.6 Million

3

Claims
Settled

UP TO 2 Cr

4

Sum
Insured

24X7

5

Customer
Support

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.

  1. CSR Times Awards for Niranjali initiatives in the Swachh Bharat category
  2. CX Strategy Summit and awards for CX technology implementation and the customer experience team of the year
  3. Assocham 14th Global INsurance in the 'Highest Growth GI' category
  4. Most Innovative New Product of the Year - Young Star Health Insurance Policy
  5. Finnoviti Awards 2022 for the face scan feature of the IL Take Care App
Health Insurance awards

Why Do We Exist?

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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

  1. Individual and Family Health Insurance

    ICICI Lombard Health Insurance Plans Eligibility Approximate Annual Premiums
    ICICI Lombard Health Shield 360 Entry Age - 21 to 75 Years
    Sum Insured - Up to 1 Cr     		Rs. N/A

    ICICI Lombard Complete Health Insurance Plan Entry Age - 3 months
    Sum Insured - Up to 50 L     		Rs. 6033

  2. Group Health Insurance

    ICICI Lombard Health Insurance Plans Eligibility Approximate Annual Premiums
    ICICI Lombard Group Health Insurance Entry Age - Min- 180 days, Max- 95 years
    Sum Insured - Up to 10 L     		Rs. NA

  3. Accident Health Insurance

    ICICI Lombard Health Insurance Plans Eligibility Approximate Annual Premiums
    ICICI Lombard Saral Suraksha Bima Entry Age - Child: 3 months - 25 years, Adult: 18 - 70 years
    Sum Insured - Up to 1 Cr     		Rs. NA

    ICICI Personal Protect Policy Entry Age - 18 to 80 Years
    Sum Insured - Up to 25 L     		Rs. N/A

  4. Top Up and Super Top Up

    ICICI Lombard Health Insurance Plans Eligibility Approximate Annual Premiums
    ICICI Lombard Health Booster Entry Age - Min- 6 years , Max- No Limit
    Sum Insured - Up to 50 L     		Rs. NA

  5. 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 L     		Rs. 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

  • ICICI Lombard Health Shield 360
  • ICICI Lombard Complete Health Insurance Plan
  • ICICI Lombard Elevate Plan
  • ICICI Lombard MaxProtect Plan
  • Arogya Sanjeevani Policy
  • AdvantEdge Plan

ICICI Lombard Health Shield 360

Comprehensive health insurance offering worldwide cover, maternity cover, and more. The plan is an ideal plan for families and individuals alike.

Why Do We Recommend This?
  • Day care surgeries
  • Health check-up
  • 360° Wellbeing program

For Group Health Insurance

  • ICICI Lombard Group Health Insurance

ICICI Lombard 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

For Accident Health Insurance

  • ICICI Lombard Saral Suraksha Bima
  • ICICI Personal Protect Policy

ICICI Lombard Saral Suraksha Bima

ICICI Lombard Saral Suraksha Bima is a health insurance policy that supports you when you are hit by an accident, leading to death or disabilities upto dysfunctionality.

Why do we recommend this?
  • Accidental death coverage
  • Permanent total disability coverage
  • Children’s education grant

For Top Up and Super Top Up

  • ICICI Lombard Health Booster

ICICI Lombard 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 Senior Citizen Health Insurance

  • Golden Shield Plan

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

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 Shield 360

ICICI Lombard Health Shield 360

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

Group Health Insurance

ICICI Lombard Group Health Insurance

ICICI Lombard 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

Individual and Family Health Insurance

ICICI Lombard Complete Health Insurance Plan

ICICI Lombard Complete Health Insurance Plan

Customize your ICICI Lombard Complete Health Plan with 4 available variants ICICI Lombard Complete Health Insurance is a comprehensive health insuranc...

Unique Features

  • Wellness Program
  • Maternity & Newborn Cover
  • Riders Available

Recommended Videos

ICICI Lombard Health Insurance Review

ICICI Lombard Health Insurance Review

ICICI Lombard Health Insurance

ICICI Lombard Health Insurance

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Why Choose ICICI Lombard Health Insurance?

why-choose
  • 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

Why Choose ICICI Lombard Health Insurance?

ICICI Lombard Health Insurance is one of the most famous companies in the health insurance industry. They are known for their vast category of Health Insurance Plans for individuals, families, senior citizens, women, and more. You can read below to understand why ICICI Lombard is the best health insurance partner for you.

  1. Anywhere Cashless

    With ICICI Lombard, you don't need to wait for a claim refund if you opt for the on-network hospital. You can avail of cashless hospitalization benefits not just with network hospitals but with non-network hospitals as well.

  2. Covers Complete OPD requirements

    You can avail of the OPD expenses. The plans here are tailored and made for the ones who need to cover their major as well as minor health concerns as well.

  3. Pre and post-hospitalization

    The policy here covers pre as well as post-hospitalisation expenses. So, your health is covered from diagnosis to treatment.

  4. Covers Pre-existing Diseases

    The health plan from ICICI Lombard covers you from any pre-existing diseases after completing the waiting period as per the policy certificate.

  5. Provides Cashless Treatment

    You can enjoy an additional sum insured for every renewal year if you haven't applied for the claim

  6. Tax Benefits

    As per section 80D, you can claim a tax deduction on health insurance premiums.

  7. No Limit on Hospital Room Rent

    ICICI Lombard Health Insurance offers no limit on hospital room rent. You can take any hospital room rent to get recovered while getting the treatment.

  8. No co-pay clause

    Co-pay is the fixed amount that the insured has to pay out-of-pocket for the medical services. But with ICICI Lombard, there will be no co-payment. This means you do not have to worry about medical expenses, everything will be taken care of by the company.

Factors to Consider While Buying ICICI Lombard Health Insurance

Choosing the best health plan involves proper planning. You need to consider various factors before investing in the right medical coverage. Study the scheme for the following advantages to understand and compare the best medical insurance in India.

  • Verify Eligibility-Health Policies come up with the different entry age restrictions. In ICICI Lombard Health, the entry age is 91 days on a floater basis.
  • Ensure the Maximum Coverage-Check out the coverage your health insurance is providing. Like ICICI Lombard Health provides pre and post-hospitalization expenses, diagnosis expenses, and annual health checkups.
  • Look for Affordable Premiums-Keep a note of the premiums that you need to pay. ICICI Lombard Health provides a digital portal where you can calculate the premiums.
  • Check for the Exclusions-You need to check for the exclusion list before choosing the health care policy. There are certain conditions under which you cannot make the claim.
  • Understand the Co-Payment Clause- It is advised to check the co-payment clause before you invest in the insurance.
  • Select Wide Cashless Network Hospital-Check for the network hospitals the insurance providers are offering. Ensure the number of reputated cashless hospitals they have on the list.
  • Bid for Higher Claim Settlement Ratio-The claim settle ratio is the company's face value. The higher the claim settlement ratio, the higher the company's value. ICICI Lombard Health Insurance promises the highest claim settlement ratio of 100%.

What is Covered?

Pre and Post Hospitalization Expenses

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

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

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

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

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

Self Inflicted Injuries

ICICI Lombard health policies will not cover injuries or hospitalization caused by self-harm.

Cosmetic Procedures

Cosmetic Procedures

ICICI Lombard Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.

Adventure Sports

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

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

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:

Buying Process of Health Insurance
  • 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.

Why Choose the Online Procedure to Buy ICICI Lombard Health Insurance Policy?

Choosing an online platform is the easiest way to save time and effort in this digitally-equipped world. Following are the reasons why you should choose the online procedure-

  • Convenient Policy Selection-You can schedule unlimited appointments with the experts to understand the policy details. You can study, compare, choose, and make payments for your insurance anywhere on the online portal.
  • Chat Options for Queries-The team of ICICI Lombard General Insurance and PolicyX is always available for all your queries concerning the terms and conditions of the policies. With the live chat options, you can discuss any policy-related matter at your convenience.
  • Instant Premium Quote Calculations-You will get the digital premium calculator to help you elevate your premiums and opt for customized healthcare insurance for you and your family members.
  • Secure Payment Modes-The policy portal of ICICI Lombard Health Insurance offers various digitally secure payment modes, such as credit/debit cards or net banking. You will receive authentic policy documents immediately after completing the payment. This way you can get an instant mediclaim policy in less than an hour.
  • Transparent Policy Evaluation-ICICI Lombard promises a transparent policy evaluation process. All the terms and conditions are ready for your reference.
  • Readily Available Value Added Services-You can check out other add-on benefits while browsing mediclaim policies. These include OPD care, a co-payment waiver, and a reduced wait time for pre-existing diseases, among others, to cover all the needs.
Renewal Process of Health Insurance

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:

Claim Process of Health Insurance
  • 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
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Health Insurance Queries

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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ICICI Lombard Claim Process

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ICICI Lombard Health Insurance: FAQs

1. What all are covered in ICICI Lombard health insurance?

All kinds of in-patient, daycare, donor expenses, pre, post hospitalisation as well as AYUSH treatment expenses are covered in ICICI Lombard Health Insurance.

2. Do I need to go for a Medical checkup before buying an ICICI Lombard Health Policy?

No, the medical tests are not necessary if you are below 56 years old.

3. Can I change My DOB in the policy documents?

Yes, it’s better to get the correct date of birth recorded in your health insurance policy as it will help you at the time of claim settlement. As per the correct date of birth, the premium will also be revised.

4. Does ICICI Lombard cover hospitalization in foreign countries?

No. The policy does not cover hospitalization outside India. However, few plans such as ICICI Complete Health offer some optional riders through which one can avail of worldwide coverage.

5. Can I cancel my ICICI Lombard Health Policy?

The policy can easily be canceled during the free look period which is usually 15 days. Fill out the form with all the required details and visit any nearest branch. Once the request is processed, the premium is refunded after the applicable deductions within the stipulated period.

6. Can I add my family members to the policy in between the terms?

No, the company does not have a provision of mid-term inclusion. The policyholder is not allowed to add family members during the policy tenure. It can be done only at the time of renewal.

7. What is the mandatory coverage in ICICI Lombard Health Insurance policy?

Mandatory coverage is the original coverage offered by the health insurance policy. This coverage cannot be altered or removed.

8. How can I check the claim status of my ICICI Lombard Health Insurance policy?

You can check your claim status online through the following steps: Visit the official website of ICICI Lombard Health Insurance Enter your Claim Number or AL Number Click on the ’Search’ option to be redirected to another page where you can view your current claim status

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Simran saxena

Written By: Simran Saxena

Simran has over 3 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.

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