ICICI Lombard Group Health insurance Plan - PolicyX.com
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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
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,704 reviews
🏥 10,600+ hospitals
📊 2.69 solvency ratio
✅ 97.16% claim settlement

About ICICI Lombard Group Health Insurance

A quick read on what this ICICI Lombard Health Insurance plan covers and why it might be a fit for you.

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.

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

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 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

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.

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Inclusions & exclusions

What the plan pays for, and what it doesn't.

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

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

Other features & benefits

  • Cashless benefit
  • Day care treatment
  • Floater benefit

ICICI Lombard Group Health Insurance Plan: FAQs

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

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 7 Aug 2023 · Originally published: 18 Nov 2024

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