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ICICI Lombard Health Insurance 2024
ICICI Lombard Health Insurance
ICICI Lombard Health Insurance
ICICI Lombard General Insurance Company is backed by ICICI Bank and Fairfax Financial Holdings Limited, making it a ...Read More
10,600+
Cashless hospitals
97.16%
Claim settlement
3 Crores
Max sum insured
11
Active plans
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,710 reviews
🏥 10,600+ hospitals
📊 2.69x solvency ratio
✅ 97.16% claim settlement
What you get with ICICI Lombard Health Insurance
The headline features and policy mechanics, at a glance.
Sum insured up to 3 Crores
Coverage scales from entry-level individual plans to high-end family-floater protection.
10,600+ cashless hospitals
Direct billing at network hospitals across 320 presence — no out-of-pocket payment at admission.
97.16% claim settlement
Industry-leading approval rate on eligible claims received in the most recent fiscal year.
2.69x solvency ratio
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
11 active plans
Choose from individual, family floater and senior-citizen variants to match your household.
About ICICI Lombard Health Insurance
A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.
ICICI Lombard Health Insurance Company
ICICI Lombard General Insurance Company is a joint venture between ICICI Bank and Fairfax Financial Holdings Limited, offering health insurance plans designed to manage real medical expenses.
For buyers, its plans typically cover hospitalisation, day care treatments, ambulance costs, and even domiciliary care in some cases. You also get access to cashless treatment at network hospitals and the option to increase coverage through a super top-up plan, which helps when your base sum insured is not enough during high-cost treatments.
What does ICICI Lombard Health Insurance do?
The insurance plans by ICICI Lombard are created to cover all your medical expenses, from teleconsultation with a doctor to extensive tests before major surgery. With a health insurance policy, you can claim cashless treatments without worrying about hospital bills. The company provides coverage for many treatments. Here are some interesting facts about ICICI Lombard:
Key Facts:
- 10,600+ Network Hospitals
- 37.57 Million Policies Issued
- 3.2 Million Claims Settled
- Up to ₹3 Crore Sum Insured
- 24X7 Customer Support
Key Features of ICICI Lombard Health Insurance:
- Offers health plans for worldwide coverage and unlimited sum insured
- A comprehensive wellness system to promote a healthy lifestyle
- Emergency ambulance services
- Health plans offering coverage for 20 critical illnesses
- 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
Why Choose ICICI Lombard Health Insurance?
Anywhere Cashless
Avail cashless hospitalization benefits at both network and non-network hospitals, eliminating the need to wait for claim refunds.
Covers OPD Expenses
Plans are tailored to cover both major and minor Out-Patient Department (OPD) expenses.
Pre and Post-Hospitalization Coverage
Policies cover expenses from diagnosis through treatment, including pre and post-hospitalization costs.
Covers Pre-existing Diseases
Pre-existing diseases are covered after the completion of the specified waiting period, as per policy terms.
No Claim Bonus
Enjoy an additional sum insured for every claim-free renewal year.
Tax Benefits
Premiums paid are eligible for tax deductions under Section 80D of the Income Tax Act.
No Limit on Hospital Room Rent
Policyholders can choose any hospital room without worrying about rent limits.
No Co-Payment Clause
Many plans come with no co-payment clause, meaning the company covers the entire admissible medical expense without requiring the insured to pay a fixed percentage.
Factors to Consider While Buying ICICI Lombard Health Insurance
Choosing the right health plan requires careful consideration. Before investing in medical coverage, evaluate the following factors to ensure you select the best ICICI Lombard health insurance policy for your needs:
Choose ICICI Lombard Health Insurance Coverage of Your Choice
Select a sum insured option below to compare health plans matching your coverage need.
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences, and a recommendation on who should buy.
ICICI Lombard Health Insurance
ICICI Lombard Health Insurance Review
All 11 ICICI Lombard Health Insurance plans
Every plan currently being sold by ICICI Lombard Health Insurance, shown side-by-side so you can shortlist quickly.
ICICI Lombard Health Shield 360
ICICI Lombard Health Shield 360 is a comprehensive health insurance policy offering basic medical support, worldwide cover, and health mana…
- Worldwide cashless facility
- Unlimited reset cover
- Daycare procedures
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, ba…
- Tax benefit
- Less waiting period
- Hospital coverage
- Wide range coverage
ICICI Lombard Complete Health Insurance Plan
ICICI Lombard Complete Health Insurance is a comprehensive health insurance plan that caters to almost every healthcare need of an individu…
- Critical Illness cover
- AYUSH treatment covered
- Ambulance coverage
- E-consultation
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 disab…
- Accidental death
- Permanent total disability
- Permanent partial disability
- Cumulative bonus
ICICI Lombard Elevate Plan
ICICI Lombard Elevate plan is a comprehensive solution for all your healthcare expenses, including doctor's visits, diagnostic tests, medic…
- Room rent
- ICU charges
- Pre and post hospitalisation
- Daycare treatment
ICICI Lombard MaxProtect Plan
ICICI Lombard MaxProtect health insurance plan is a multiple-benefit provider plan that comes with affordable premiums. It has two variants…
- Worldwide coverage
- Modern-day treatment procedures
- Reset benefits
ICICI Lombard Health Booster
ICICI Lombard Health Booster is a comprehensive super top-up health insurance plan designed to enhance your existing coverage. The policy a…
- In-patient treatment coverage
- wide range of coverage
- flexible deductible choices.
Arogya Sanjeevani Policy
ICICI Lombard Arogya Sanjeevani is a versatile plan that pays for your medical bills in case of hospitalization. If you are looking for a h…
- Cumulative bonus
- Cataract treatment covered
- Modern procedures covered
- Intensive cardiac care charges
Golden Shield Plan
Golden Shield Plan by ICICI Lombard is designed especially for senior citizens to cater to all their healthcare needs. With growing age, th…
- Reset Benefit
- Coverage for Ambulance
- Cashless Hospitalization
ICICI Personal Protect Policy
ICICI Lombard Personal Protect Policy is a comprehensive health insurance policy that offers an array of benefits and extensions to safegua…
- Accidental Death
- Permanent Total Disablement Benefit
- Hospital Daily Allowance
AdvantEdge Plan
ICICI Lombard Health AdvantEdge plan is a comprehensive health insurance plan designed to cater to all your healthcare needs. It secures yo…
- Restoration Benefit
- Cumulative Bonus
- Health Rewards
- Domestic Air Ambulance
Quick comparison
Side-by-side across the 3 most-bought ICICI Lombard Health Insurance plans on PolicyX.
| Feature | ICICI Lombard Health Shield 360 | ICICI Lombard Group Health Insurance | ICICI Lombard Complete Health Insurance Plan |
|---|---|---|---|
| Plan type | Individual and Family Health Insurance | Group Health Insurance | Individual and Family Health Insurance |
| Sum insured | 75 L, 1 Cr | 1 L, 2 L, 5 L , 8 L , 10 L | 2 L, 3 L, 4 L, 5 L, 7 L, 10 L, … |
| Entry age | 21 to 75 Years | Min- 180 days, Max- 95 years | 3 months |
| Top benefits | Worldwide cashless facility · Unlimited reset cover | Tax benefit · Less waiting period | Critical Illness cover · AYUSH treatment covered |
Documents required
For policy purchase and claim submission. Have these ready before you start.
- 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 (FIR), final police report, if applicable
- Post-mortem report, if conducted
- Any other document as required by the company to assess the claim
Waiting periods
When specific benefits become claimable after policy start.
What Are The Different Waiting Periods In ICICI Lombard Health Insurance Plans?
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 if you are diagnosed with Pre-Existing Diseases (PEDs) such as hypertension, diabetes, or any other condition.
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.
10,600+ cashless hospitals
Find a ICICI Lombard Health Insurance network hospital near you. Direct billing — no out-of-pocket payment at admission.
Buy, claim, renew, port — step-by-step
Step-by-step guides for the four moments that matter most in your policy lifecycle. Click a tab to switch.
If you are looking forward to purchasing ICICI Lombard Health Insurance online, follow these simple steps:
- 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 chosen 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.
In today's digital world, buying health insurance online saves time and effort. Here are the reasons to choose the online procedure for purchasing an ICICI Lombard Health Insurance policy:
- Convenient Policy Selection: Study, compare, choose, and make payments for your insurance anytime, anywhere. You can also schedule appointments with experts to understand policy details.
- Chat Options for Queries: The teams at ICICI Lombard General Insurance and PolicyX are available via live chat to address all your policy-related queries and concerns.
- Instant Premium Quote Calculations: Use the digital premium calculator to get instant quotes and customize healthcare insurance for you and your family.
- Secure Payment Modes: The portal offers secure payment options like credit/debit cards and net banking. Receive authentic policy documents instantly after payment, allowing you to get an instant mediclaim policy.
- Transparent Policy Evaluation: ICICI Lombard ensures a transparent policy evaluation process, with all terms and conditions readily available for your reference.
- Readily Available Value-Added Services: Explore various add-on benefits like OPD care, co-payment waivers, and reduced waiting periods for pre-existing diseases to enhance your coverage.
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 "Claim Intimation" to access the form.
- Step 2
Select "health claim" and provide the required information, including policy number, date of birth, and other requested details.
- Step 3
Select the "claim type" (cashless or reimbursement). Click "authorize" and you will receive an OTP on your verified number.
- Step 4
Verify with the OTP and fill in the required hospital admission information. Select the hospital, or provide hospital details in case of a non-network hospital.
- Step 5
Upload the requested documents and click on the "review" button.
- Step 6
After reviewing, submit the intimation for the company to process. You will receive a claim intimation number, which you should note down for future reference.
Follow these 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
Enter your ‘Policy Number’ and ‘Date Of Birth’.
Connect with our insurance experts for ICICI Lombard health insurance policy renewal at 1800 - 4200 - 269.
Frequently asked questions
The 8 most-asked questions about ICICI Lombard Health Insurance, answered.
All kinds of in-patient, daycare, donor expenses, pre, post hospitalisation as well as AYUSH treatment expenses are covered in ICICI Lombard Health Insurance.
No, the medical tests are not necessary if you are below 56 years old.
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.
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.
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.
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.
Mandatory coverage is the original coverage offered by the health insurance policy. This coverage cannot be altered or removed.
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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Customer satisfaction
Aggregate ratings from 2,710 verified PolicyX customers who bought a ICICI Lombard Health Insurance plan.
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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