ICICI Lombard Health AdvantEdge Plan: Benefits, Coverage and Premium
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ICICI Lombard Health Insurance ICICI Lombard Health Insurance ★ 4.4

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
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,704 reviews
🏥 10,600+ hospitals
📊 2.69 solvency ratio
✅ 97.16% claim settlement

ICICI Lombard Health AdvantEdge covers 20 critical illnesses including cancer, and has an add-on maternity insurance for both the mother and the newborn baby. The policy offers all-around health care with value-added services like wellness programs through which policyholders can avail rewards by adapting to healthy habits.

Why Do We Recommend This?
  • Domestic Air Ambulance
  • New Born and Vaccine Cover
  • Avail PED Cover

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

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 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 AdvantEdge

ICICI Lombard Health AdvantEdge

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.

  • Entry Age: 18: 65 years
  • SI: 5 L to 3 Cr
  • Initial waiting period: 30 days

Frequently Asked Questions

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.

Explore ICICI Lombard Health Insurance

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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: 19 May 2026 · Originally published: 18 Nov 2024

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