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ICICI Lombard Health AdvantEdge
ICICI Lombard Health Insurance
AdvantEdge Plan
ICICI Lombard Health AdvantEdge covers 20 critical illnesses including ...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 AdvantEdge Plan
A quick read on what this ICICI Lombard Health Insurance plan covers and why it might be a fit for you.
ICICI Lombard Health AdvantEdge plan is a comprehensive health insurance plan designed to cater to all your health care needs. A family health insurance that secures your loved ones with a multitude of features including:
- Restoration Benefit
- Cumulative Bonus
- Health Rewards
- Domestic Air Ambulance
- New Born and Vaccine Cover
- Maternity Cover
- PED Cover
- Personal Accident Cover and more
The policy provides a wide range of sum insured options and provides an additional cover against 20 critical illnesses including cancer. These add-ons also include maternity insurance for both the mother and the newborn baby is available for individuals who opt for a Sum Insured above 5 Lakhs. The policy offers all-around health care with value-added services like wellness programs through which policyholders can benefit by adapting to healthy habits.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 - 65 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹5 L, ₹10 L, ₹20 L, ₹40 L, ₹75 L, ₹1 L, ₹2 L, ₹3 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1/2/3 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
- Restoration Benefit
- Cumulative Bonus
- Health Rewards
- Domestic Air Ambulance
Cons
- OPD Cover
- Second medical opinion
- Modern treatment
- IVF treatment cover
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 Not 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 Not covered
- Road ambulance Covered
- Air ambulance Covered
- E-consultation Covered
- Health check-up Covered
- Second medical opinion Not covered
- Vaccination Covered
Conditions & global
- Co-payment Covered
- Sub-limits Not 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
ICICI Lombard Health Insurance Review
Benefits of ICICI Lombard Health AdvantEdge
ICICI Lombard Health AdvantEdge plan offers a multitude of features and benefits to its customers allowing them to customize the health plan as per their requirements:
- Wellness and Value-Added Services
There are multiple wellness rewards and features associated with health rewards, medical condition management programs, video/tele-consultations, telemedicine, pharmacy and diagnostic services, online chat with doctors, doctors on call, health assistance, ambulance assistance, and discounts on services/products. - Worldwide Cover
Icici Lombard health advantedge plan offers the insured person hospitalization expenses including planned hospitalisation incurred outside India and anywhere across the world including USA and Canada, up to the amount specified against this benefit in the policy schedule subject to the terms & conditions specified. - Home Care Treatment
Icici Lombard's health advantedge plan will cover the medical expenses incurred by the insured person on home care treatment maximum of up to 5% of the Sum Insured subject to a limit of Rs. 25,000 under certain terms and conditions. - Tax Benefits
All the premiums paid towards the health advantedge health plan will be eligible for tax benefits under the Income Tax Act of India.
ICICI Lombard Health AdvantEdge Plan
| Network Hospitals | 6700+ |
| No-claim Bonus | Applicable, 20% to 100% of SI |
| Health Checkup | Annual; Starting from the 1st year |
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- ICICI Health AdvantEdge Health Plan has certain exclusions that are mentioned below:
- Hospitalization out of war, riot, strike, and nuclear weapons
- Intentional self-injury
- AIDS
- Miscarriage, and Abortion
- Congenital disease
- Infertility and in vitro fertilization
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry Age: 18: 65 years
- SI: 5 L to 3 Cr
- Initial waiting period: 30 days
Other features & benefits
- New Born Cover
- Vaccine Cover
- Maternity Cover
- PED Cover
- Personal Accident Cover
ICICI Lombard AdvantEdge Plan: FAQs
The 5 most-asked questions about AdvantEdge Plan, answered.
The health advantedge health insurance plan has an entry age criteria as follows: Adults - 18 to 65 Years Dependent Children - 91 Days to 25 Years
The various sum insured options available under the plan for customers range between 5 Lakhs to 3 Crores.
Yes, the premiums paid towards the ICICI Health AdvantEdge are eligible for tax benefits under the Income Tax Act of India.
Yes, global cover is available under the plan only for sum insured value of INR 25 Lakhs and above.
Yes, the maternity and new born baby cover is available under the plan.
Conclusion
Best for urban families and professionals wanting unrestricted, comprehensive health coverage.
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