Complete Health Insurance

Customize your ICICI Lombard Complete Health Plan with 4 available variants

ICICI Lombard Complete Health Insurance is a comprehensive health insurance plan that caters to almost every healthcare need of an individual & their family. The plan looks after the healthcare needs of its customers by providing complimentary health check-up coupons. Complete Health Insurance by ICICI Lombard comes in 4 variants that allow customers to customize their plan as per their requirements.

In addition to the basic plan, ICICI Lombard Complete Health Insurance allows the policyholder to enhance their coverage by offering several optional covers.

Complete Health Insurance Specifications

To understand Complete Health Insurance Insurance in detail, take a look at the below table:

Entry Age

3 months

Policy Type

Individual and Family Health Insurance

Sum Insured

2 L | 3 L | 4 L | 5 L | 7 L | 10 L | 15 L | 20 L | 25 L | 30 L | 50 L

Initial Waiting Period*

30 Days

Renewability

Lifelong

Policy Term

1, 2 years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

Choose Your Complete Health Insurance

With wide coverage options available, Complete Health Insurance Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Not Covered

Daycare Treatment

Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Covered

Automatic Restoration

Covered

Daily Hospital Cash

Covered

Organ Donor

Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Covered

Modern Treatment

Not Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Covered

Health Check-Up

Covered

Second Medical Opinion

Covered

Vaccination

Not Covered

Limitations

Co-payment

Not Covered

Sub-limits

Covered

ICICI Lombard Complete Health Optional Covers

Complete Health by Insurance ICICI Lombard comes with myriads of optional riders to cover your specific requirements. Take a look:

Hospital Daily Cash
The plan offers the optional cover of Hospital Daily Cash, wherein, the policyholder can avail cash benefit up to Rs 2000.
Reward Points
If the policyholder is hospitalized for a minimum of 10 days or more, then the plan offers the Convalescence Benefit of 10K once in a policy year.
Critical Illness Cover
This optional cover offers coverage against Critical Illnesses such as Cancer, Heart Attack, etc. up to 100% of SI.
Donor Expenses
The plan covers the medical expenses incurred during any organ transplantation, provided the organ donated is for Insured persons, subject to a maximum of 2 adults.

ICICI Lombard Complete Health Insurance Sample Premium Illustration

Let's see how the premium varies across different types and sum insured for an individual at the age of 30 and for a policy term of 1 year.

iHealth

SI Options (Rs.)	5L	10L	20 L	30L	50L
Premium Payable ( Rs.)	6,033	7,191	8,684	9,968	11,896

Health Shield

SI Options (Rs.)	5L	10L	20 L	25L	50L
Premium Payable ( Rs.)	6,477	7,665	12,246	13,188	16,580

Health Elite

SI Options (Rs.)	5L	10L	20 L	25 L	50L
Premium Payable ( Rs.)	9,644	13,866	26,380	27,411	30,697

ICICI Lombard Complete Health Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under ICICI Lombard Complete Health are:

Cosmetic surgery

Intentional destruction of property or goods

Suicidal death claims

Any kind of loss or damage to the property because of war or war-like situations

Any injury occurred within the 15 days of the policy commencement

Any injury occurred under the influence of alcohol abuse or substance

Natural wear and tear of the property of the policyholder

Coverage after Waiting Period

Certain diseases and treatments are covered under the ICICI Lombard Complete Health Insurance plan after a certain period. Read the details below:

Listed ailments after 2 years

Pre-existing diseases after 2 years for SI 3 L & above, 4 years for SI 2 L

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

AdvantEdge Plan

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

Personal Protect Policy

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

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

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 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

Health Booster

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 Plan

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

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

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

Complete Health Insurance

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

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

ICICI Lombard Complete Health Plan: FAQs

1. Which Critical Illness are covered under the ICICI Lombard Complete Health- Critical Illness Rider?

The plan covers the below-mentioned Critical Illnesses: Cancer of specified severity Open chest CABG First heart attack Major organ/bone marrow transplant Permanent paralysis of limbs Kidney failure requiring regular dialysis End-stage liver disease

2. Is there any sort of Renewal condition available under ICICI Lombard Complete Health Insurance Plan?

The plan offers Life-long renewability without any age restriction. However, the premium payable may change with the growing age.

3. Are there any discounts available on ICICI Lombard Complete Health Plan?

Yes, the plan offers 10% on your health insurance premium if you buy this policy for 2 years’ tenure.

4. How many Health check-ups can I avail in 1 policy year under Complete Health Insurance ICICI Lombard?

The plan offers Free health check-up coupons to each insured for every Policy Year, subject to a maximum of 2 coupons per year for floater policies.

5. Will I get any reward in ICICI Lombard Complete Health Insurance Plan if I quit smoking?

Yes, under the plan, one can earn 100 wellness points for each of the following activities: Self-declaration of Quit smoking Sharing your fitness success story On winning any Health quiz organized by the company

6. Which Specific Disease/ procedures are not covered under the plan?

Some of the diseases/procedures are: Cataract Benign Prostatic Hypertrophy Myomectomy, Hysterectomy unless because of maligna All types of Hernia Fissures in anus/ hemorrhoids/piles Arthritis, gout, rheumatism Joint replacement unless due to accident Sinusitis and related disorders Stones in the urinary and biliary systems Internal congenital anomaly Varicose ulcers Surgery on tonsils and sinuses Dialysis required for renewal failure

7. Can I avail of Tax Benefits under the ICICI Complete Health Insurance Policy?

Yes, one can avail of Tax Benefits under Section 80D of the Income Tax Act 1961.

8. What other value-added services are available under ICICI Lombard Complete Health Plan?

The other Value-added services offered by the plan are: Diet & nutrition e-consultation Online Chat with Medical Practitioners Providing information on offers related to healthcare services like consultation, diagnostics, medical equipment, and pharmacy.

9. Does the plan offer any Emergency Services?

Yes, the plan offers Ambulance Assistance, wherein the company will arrange ground medical transportation by a Service provider to transport the Insured Person to the nearest Hospital.Another Emergency offered by the plan is Teleconsultation, wherein the company will arrange consultations and recommendations for routine health issues by a qualified Medical Practitioner or healthcare professional.

10. I am a 30-year-old female. Do I need to undergo any sort of medical tests before buying ICICI Complete Health Plan?

No, the plan does not require any pre-medical check-up up to 45 years

11. Are there any specific documents that I need to provide at the time of claims for Personal Accidents?

Yes, you or your nominee needs to furnish the following documents during the claim submission:

Complete Health Insurance

Complete Health Insurance Specifications

Entry Age

Policy Type

Sum Insured

Initial Waiting Period*

Renewability

Policy Term

Choose Your Complete Health Insurance

In-patient & Out-patient coverage

Coverage Terms

Alternative Treatments

Emergency Coverage

Wellness Programmes

Limitations

ICICI Lombard Complete Health Optional Covers

Hospital Daily Cash

Reward Points

Critical Illness Cover

Donor Expenses

Recommended Videos

ICICI Lombard Complete Health Insurance Sample Premium Illustration

iHealth

Health Shield

Health Elite

ICICI Lombard Complete Health Plan Exclusions

Permanent Exclusions

Coverage after Waiting Period

Explore other ICICI Lombard Health Insurance

AdvantEdge Plan (Pros)

AdvantEdge Plan (Cons)

AdvantEdge Plan (Other Benefits)

AdvantEdge Plan (Eligibility Criteria)

Personal Protect Policy (Pros)

Personal Protect Policy (Cons)

Personal Protect Policy (Other Benefits)

Personal Protect Policy (Eligibility Criteria)

Golden Shield Plan (Pros)

Golden Shield Plan (Cons)

Golden Shield Plan (Other Benefits)

Golden Shield Plan (Eligibility Criteria)

Arogya Sanjeevani Policy (Pros)

Arogya Sanjeevani Policy (Cons)

Arogya Sanjeevani Policy (Other Benefits)

Arogya Sanjeevani Policy (Eligibility Criteria)

Health Booster (Pros)

Health Booster (Cons)

Health Booster (Other Benefits)

Health Booster (Eligibility Criteria)

ICICI Lombard MaxProtect Plan (Pros)

ICICI Lombard MaxProtect Plan (Cons)

ICICI Lombard MaxProtect Plan (Other Benefits)

ICICI Lombard MaxProtect Plan (Eligibility Criteria)

Health Shield 360 (Pros)

Health Shield 360 (Cons)

Health Shield 360 (Other Benefits)

Health Shield 360 (Eligibility Criteria)

Complete Health Insurance (Pros)

Complete Health Insurance (Cons)

Complete Health Insurance (Other Benefits)

Complete Health Insurance (Eligibility Criteria)

Group Health Insurance (Pros)

Group Health Insurance (Cons)

Group Health Insurance (Other Benefits)

Group Health Insurance (Eligibility Criteria)

ICICI Lombard Complete Health Plan: FAQs

1. Which Critical Illness are covered under the ICICI Lombard Complete Health- Critical Illness Rider?

2. Is there any sort of Renewal condition available under ICICI Lombard Complete Health Insurance Plan?

3. Are there any discounts available on ICICI Lombard Complete Health Plan?

4. How many Health check-ups can I avail in 1 policy year under Complete Health Insurance ICICI Lombard?

5. Will I get any reward in ICICI Lombard Complete Health Insurance Plan if I quit smoking?

6. Which Specific Disease/ procedures are not covered under the plan?

7. Can I avail of Tax Benefits under the ICICI Complete Health Insurance Policy?

8. What other value-added services are available under ICICI Lombard Complete Health Plan?

9. Does the plan offer any Emergency Services?

10. I am a 30-year-old female. Do I need to undergo any sort of medical tests before buying ICICI Complete Health Plan?

11. Are there any specific documents that I need to provide at the time of claims for Personal Accidents?

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