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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 · 2,704 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 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.
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.
- 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
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.
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.
Pre and post-hospitalization
The policy here covers pre as well as post-hospitalisation expenses. So, your health is covered from diagnosis to treatment.
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.
Provides Cashless Treatment
You can enjoy an additional sum insured for every renewal year if you haven't applied for the claim
Tax Benefits
As per section 80D, you can claim a tax deduction on health insurance premiums.
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.
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.
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 the ultimate health insurance policy that offers you visibility with its basic medical support, worldwid…
- 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 the one-stop solution for all your healthcare-related expenses including doctor's visits, diagnostics tests, …
- 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. This policy …
- In-patient treatment covered
- High range of coverage
- Flexible coverage
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 and to cater to all their health care needs. With growing ag…
- 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 health care needs. A family hea…
- 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, 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 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.
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 Star Health insurance online follow the simple steps below:
- 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.
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.
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 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.
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
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
Compare Health Insurance Companies
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Customer satisfaction
Aggregate ratings from 2,704 verified PolicyX customers who bought a ICICI Lombard Health Insurance plan.
Health Insurance Premium Calculator
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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