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ICICI Lombard Health Insurance Plans

ICICI Lombard Health Insurance Company

ICICI Bank Limited is one of the most well-known private sector financial institutions in India and also one of the largest banks in terms of assets and revenue. Fairfax Holdings Limited, a Canadian company, also deals with financial services and has a diversified business. These two companies together formed ICICI Lombard General Insurance Company Limited in the year 2001.

ICICI Lombard provides general insurance solutions in various areas like health insurance, travel insurance, business insurance and so on. The products and the services have made the company one of the best private insurance firms in India. By winning the ‘Golden Peacock Innovation Management Award’ 2 times in a row, it has shown that it is a pioneering company.

This insurance firm has great reviews for all its products like two-wheeler insurance and travel insurance. With its branches in over 250 cities spread all over India, the firm has ventured to become the best insurer in the whole country. The plans by ICICI Lombard are innovative and carefully designed to benefit the customers.

With excellent services, both online and offline, the company provides health plans for individuals and families. By getting your health insured with ICICI Lombard health insurance, you will be securing your future against an unexpected crisis.

Why Buy Health Insurance From ICICILombard?

The cost of living is daily on the rise with no respite in sight. During such times, you do not want to add any unexpected expenses due to illness and accidents to your list. That is why it is necessary medical insurance plans from an established and trustworthy company like ICICI Lombard.

Even a basic health insurance policy can protect you and your family from a monetary predicament. Making a careful and knowledgeable selection of a medical insurance plan can help you a lot.

Key Advantages and Features

  • The company guarantees quick response to claims during emergencies
  • Various kinds of add-on covers are available so that customers can modify the plans to suit them
  • Customers are given in-house efficient claim settlement, so no third party is involved
  • The premium paid can be deducted in the taxable income under section 80D
  • They have a wide network of hospitals, over 4500, for providing cashless claim facility
  • Online features like hospital locator and ICICI Lombard health insurance premium calculator are accessible
  • Live online chat and a toll-free helpline are always open to provide ICICI Lombard customer care
  • You can avail complete and important information about health insurance on the official ICICI Lombard website
  • 30 days of grace period is available for renewal of any policy
  • Pre-policy medical check-up is not required for a person less than 46 years of age

Plans And Details

Three types of health insurance plans are available for ICICI Lombard customers.

The indemnity plans pay according to the expenses suffered by the insured person. So, the sum claimed and reimbursed might be less than the sum insured.

The lump-sum plan pays the sum insured if death or disability occurs. This is a basic cover that everyone must have.

The top-up plan is advantageous in many ways. It can be bought in addition to another insurance policy. You can buy it if you want extra financial protection or if you can pay some amount of the expenses by yourself.

ICICI Lombard Complete Health Insurance

a plan that provides cover for all kinds of needs under a single umbrella in different variants.

Entry Age eligibility

  • Minimum – 18 years for adults and six years for children
  • Maximum – no limit
  • Children below six years can be covered in family floater plan

Sum Assured (in Rupees)

  • Health Protect/ Health Protect Plus – 3, 4 or 5 lakhs
  • Health Smart – 7 or 10 lakhs
  • Health Smart Plus – 15, 20, 30 or 50 lakhs
  • iHealth – 3 to 50 lakhs


  • Medical expenses during hospitalisation like nursing charges, boarding charges, etc.
  • Pre- and post-hospitalisation expenses incurred for 30 and 60 days respectively
  • Day-care procedures including dialysis and chemotherapy
  • In-patient AYUSH treatment in any government recognised institute
  • Emergency ambulance charges with a limit of Rs.1500
  • ICICI Lombard Wellness Program offered to all customers
  • 100% sum insured reset benefit if funds are insufficient because of previous claims
  • Maternity cover and New Born Baby cover included in Health Smart and Health Smart Plus

Add-on benefits

  • Daily hospital cash benefit of Rs.1000 or Rs.2000 per day and convalescence benefit of Rs.10000
  • Reimbursement of Outpatient Treatment andWellness Healthcare covers can be availed
  • Maternity cover after a waiting period of 3 years
  • Organ donor expenses with maximum cover of Rs.50000

Other details

  • Pre-existing diseases are covered after 2 or 4 years waiting period
  • You can choose to buy any policy for a term of 1 or 2 years

Some exclusions

  • Illnesses like chronic renal failure and ulcers are excluded for the first two years
  • Expenses arising due to HIV/AIDS cannot be claimed
  • Naturopathy, Acupuncture and other such treatments are permanently excluded

ICICI Lombard Health Booster

a policy to take care of you and your family in case of extreme expenditure due to medical issues

Entry age eligibility

  • Minimum – 18 years for adults and six years for children
  • Maximum – no limit
  • Children above three months old but less than six years can be covered in family floater plan

Sum assured (in Rupees)

  • Can range from 5 to 50 lakhs


  • Over 150 day-care treatments and in-patient AYUSH therapy
  • Pre-hospitalisation and post-hospitalisation expenses of 60 and 90 days respectively
  • Ambulance cover of up to 1% of the sum insured or Rs.5000, whichever is less
  • Lifetime ICICI Lombard insurance renewal
  • Domiciliary treatment up to the sum insured
  • Organ donor expenses covered up to the sum insured
  • A comprehensive Wellness Program to reward healthy behaviour

Add-on benefits

  • Critical Illness cover with lump-sum payment subject to a 90-day waiting period
  • Personal Accident cover pays sum insured to the nominee in case of death of the insured
  • Temporary Total Disablement benefit for maximum ten weeks to fund your rehabilitation

Other details

  • Policy can be bought with deductibles of Rs.3, 4 or 5 lakhs
  • The policy term can be 1, 2 or 3 years with discounts on 2 and three-year premium payment
  • Two adults and three children can be included in the family floater policy
  • Reset benefit is triggered for the same illness

Some exclusions

  • Diseases contracted during the first 30 days of policy inception are excluded
  • Exclusions for the first two years include orthopaedic treatments, ENT, Uro-genital treatments, etc.
  • Pregnancy and its related expenses are not covered by this plan
  • Dental treatments, fertility tests, etc. cannot be claimed

ICICI Lombard Personal Protect Insurance

a plan that offers financial protection against accidental death and disability

Entry age eligibility

  • Minimum – 18 years
  • Maximum – 80 years

Sum assured (in Rupees)

  • 3, 5, 10, 15, 20 or 25 lakhs


  • Accidental death cover provides 100% sum insured to the nominee of the insured
  • Permanent total disablement compensation for loss of limbs or eyes

Add-on benefits

  • Optional Hospitalisation Expenses cover with the amount depending on the sum insured
  • Optional Hospital Daily Allowance cover of Rs.1000 or Rs.2000 per day for maximum 30 days

Other Details

  • You can buy the plan for a period of 1, 3 or 5 years
  • The premium for the base cover ranges from Rs.373 to Rs.13218
  • Easy claims process is provided for the customers, and the details are available on the website
  • You can buy this policy online easily with flexible payment options

Some Exclusions

  • Self-inflicted injury or hospitalisation due to attempted suicide is not covered
  • Company is not liable to pay if accident occurs when insured is in inebriated state
  • Accidents directly or indirectly caused by insanity, criminal activity and dangerous sports are excluded