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 cover to all members of a group. We can see the live example of group insurance in the organization, companies often provide group health insurance coverage to their employees and their dependents or family. So the group insurance policy helps take care of the monetary security of the employees.

When talking about group health insurance, we must discuss that the ICICI Lombard Group Health Insurance plan provides health insurance coverage to a group of people with common features or attributes. ICICI Lombard is one of the top health insurance companies in India. With more than 6700+ network hospitals and a claim settlement ratio of 97.07%, it is counted among the trustworthy companies. Their group health insurance plan is an all-inclusive plan with many additional benefits. Let's have a look at the plan specifications.

Group Health Insurance Specifications

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

Entry Age

Min- 180 days, Max- 95 years

Policy Type

Group Health Insurance

Sum Insured

1 L | 2 L | 5 L | 8 L | 10 L

Initial Waiting Period*

30 Days

Renewability

Lifelong

Policy Term

1 Year

*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.

ICICI Lombard Group Health Insurance Benefits

ICICI Lombard Group Health Insurance has multiple advantages that policyholders can avail after the purchase.

Tax Benefits
The amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
Less Waiting Period
With ICICI Lombard Group Health Insurance policyholders get a waiting period of 30 days and if these diseases or illnesses are pre-existing at the time of proposal, they will not be covered during the subsequent renewal of the policy.
Hospitalisation Coverage
Policyholders get coverage for hospitalization and other services such as OPD charges, oxygen, blood, Anesthesia, doctor’s fees, surgeon, intensive care unit charges, boarding and nursing expenses and more incurred by the policyholder during the hospitalization for a minimum period of 24 hours.
Wide Range Coverage
Policyholders get a Wide Coverage of the Sum Insured.from 10,0000-10,00000.
Cashless Benefit
When an individual purchases ICICI Lombard Group Health Insurance he can get cashless treatment at over 6,700+ Network Hospitals.
Day Care Treatment
ICICI Lombard pays the insured or network provider for the medical expenses incurred by the Insured while undergoing daycare treatment. It involves the medical treatment, and/or Surgical Procedure which would have otherwise required hospitalization of more than 24 hours
Floater Benefit
The Insured can avail a floater cover and get immediate family covered for the same Sum Insured under a single policy by paying one premium amount.
Policyholders get Multiple Coverage Options Individual & Family Floater, you and your legal spouse and two legal & dependent children.

ICICI Lombard Group Plan Exclusions

Pre-Existing Diseases

Any illness within 30 days

The expenses for treatment of diseases, illnesses such as Cataracts, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Congenital Internal Diseases, Fistula in the anus, piles, Sinusitis and related disorders during the first year of operation of this policy

Gender treatment expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex.

Hazardous or Adventure sports

Breach of law-Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent.

Cosmetic or plastic Surgery -any treatment to change the appearance

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 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

ICICI Lombard Group Plan: FAQs

1. Does ICICI Lombard Group Health Insurance cover Maternity charges?

No, ICICI Lombard Group Health Insurance does cover maternity charges. It covers medical treatment expenses traceable to childbirth including complicated deliveries and cesarean sections incurred during hospitalization, except ectopic pregnancy. Expenses towards miscarriage are also included.

2. Does ICICI Lombard Group Health Insurance cover Air Ambulance charges?

No, ICICI Lombard Group Health Insurance does not cover Air Ambulance charges.

3. Does ICICI Lombard Group Health Insurance cover ICU charges?

Yes, ICICI Lombard Group Health Insurance does not cover ICU charges.

4. Do policyholders get a cover against COVID-19 under ICICI Lombard Group Health Insurance?

No, policyholders are not covered for COVID-19 under ICICI Lombard Group Health Insurance.

5. What is the waiting period for ICICI Lombard Group Health Insurance?

ICICI Lombard Group Health Insurance policyholders get a waiting period of 30 days.

Group Health Insurance