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ICICI Lombard Health Insurance
ICICI Lombard Health Insurance
ICICI Lombard Complete Health Insurance Plan
The plan looks after the healthcare needs of its customers by providin ...Read More
Up to 3 Crores
Sum insured
1
No. of plans
320+
Pan India presence
97.16%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,704 reviews
🏥 10,600+ hospitals
📊 2.69 solvency ratio
✅ 97.16% claim settlement
About ICICI Lombard Complete Health Insurance Plan
A quick read on what this ICICI Lombard Health Insurance plan covers and why it might be a fit for you.
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.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
3 months
Plan type
Individual and Family Health Insurance
Sum insured options
₹2 L, ₹3 L, ₹4 L, ₹5 L, ₹7 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L, ₹30 L, ₹50 L
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.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Critical Illness cover
- AYUSH treatment covered
- Ambulance coverage
- E-consultation
Cons
- Vaccination not covered
- IVF Treatment
- Modern treatment
- Air ambulance
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Not covered
- Day-care treatment Covered
- OPD charges Covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Covered
- Daily hospital cash Covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Covered
- Health check-up Covered
- Second medical opinion Covered
- Vaccination Not covered
Conditions & global
- Co-payment Not covered
- Sub-limits Covered
- Compassionate travel Not covered
- Global coverage Covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
ICICI Lombard Health Insurance Review
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.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
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
- 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
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Min entry age: 3 months
- Max entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 50 L
Other features & benefits
- Cataract
- Daily hospital cash
- Organ donor
ICICI Lombard Complete Health Plan: FAQs
The 11 most-asked questions about ICICI Lombard Complete Health Insurance Plan, answered.
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
The plan offers Life-long renewability without any age restriction. However, the premium payable may change with the growing age.
Yes, the plan offers 10% on your health insurance premium if you buy this policy for 2 years’ tenure.
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.
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
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
Yes, one can avail of Tax Benefits under Section 80D of the Income Tax Act 1961.
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.
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.
No, the plan does not require any pre-medical check-up up to 45 years
Yes, you or your nominee needs to furnish the following documents during the claim submission:
Conclusion
A comprehensive health plan with strong coverage and useful add-ons, suitable for families but benef
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