ICICI Lombard Group Health insurance Plan - PolicyX.com
ICICI Lombard Health Insurance ICICI Lombard Health Insurance ★ 4.4

ICICI Lombard Group Health Insurance

ICICI Lombard Group insurance is a type of insurance plan that covers ...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

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 coverage to all members of a group.

Why do we recommend this?
  • Less Waiting Period
  • Hospitalisation Coverage
  • Day Care Treatment

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Min- 180 days, Max- 95 years
Plan type
Group Health Insurance
Sum insured options
₹1 L, ₹2 L, ₹5 L, ₹8 L, ₹10 L
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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Tax benefit
  • Less waiting period
  • Hospital coverage
  • Wide range coverage

Cons

  • Pre-existing diseases
  • Hazardous or adventure sports

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization 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 Covered
  • New-born baby cover Covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Covered

Conditions & global

  • Co-payment Applicable
  • Sub-limits Applicable
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

ICICI Lombard Health Insurance

ICICI Lombard Health Insurance

ICICI Lombard Health Insurance Review

ICICI Lombard Health Insurance Review

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 50 L

Frequently Asked Questions

The 5 most-asked questions about ICICI Lombard Group Health Insurance, answered.

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.
No, ICICI Lombard Group Health Insurance does not cover Air Ambulance charges.
Yes, ICICI Lombard Group Health Insurance does not cover ICU charges.
No, policyholders are not covered for COVID-19 under ICICI Lombard Group Health Insurance.
ICICI Lombard Group Health Insurance policyholders get a waiting period of 30 days.

Conclusion

A flexible group health plan designed for companies and employees, offering decent coverage and cust

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Written and reviewed by

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