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Home > Health Insurance > Icici Lombard
ICICI Health Insurance provides a variety of health insurance plans that cater to diverse customer needs. The plans offer flexibility in policy terms, premium payments, treatment coverage, and access to a wide network of hospitals. Additionally, customers can benefit from adding riders to their policy for added protection.
ICICI Lombard General Insurance Co. Ltd. is a strong player in the Indian general insurance industry, thanks to the collaboration of two separate entities. They provide insurance solutions for both individuals and companies, offering personal and business financial protection products. Their range of retail insurance solutions covers various areas such as auto insurance, travel insurance, personal accident coverage and health insurance.
ICICI Lombard General Insurance has consistently garnered recognition for its customer-centric approach and innovative solutions at various award forums, reflecting the trust the company’s customers have placed in it.
In 2016, ICICI Lombard was honoured with the Golden Peacock Award for Business Excellence and the Claim Service Leader Award, as well as the Technology Innovation Award at the Indian Insurance Awards. The previous year, in 2015, the company received the Golden Peacock Innovation Management Award and the E-Business Leader Award in the General Insurance category at the Indian Insurance Award.
that provides all the necessary coverage benefits you need at affordable premiums.
Here are some of the key features of the ICICI Health Insurance company that you must be aware of.
It offers various health insurance plans to cater to different needs.
It offers a wide range of sum insured options from 1 lakh rupees to 3 crore rupees, allowing you to customize coverage according to your specific needs.
It has an extensive network of over 9,500 cashless hospitals spread across India. This means the policyholders can conveniently and effortlessly access cashless treatment facilities at these hospitals.
It offers free health checkups, hospital daily cash allowance, a cumulative bonus and no pre-medical checkup for policyholders under 45 years.
It offers easy policy renewal online or offline, with good customer support through various channels.
It offers high coverage at low premium rates like the iHealth plan, which provides 20 lakh rupees coverage at 387 rupees per month.
Save 10% by choosing a Preferred Provider Network (PPN) hospital and 20% co-pay for treatment outside PPN.
No claim limit on policy for full coverage.
Get extra coverage for pre-existing conditions for full protection from the beginning.
Full sum restored for coverage shortfall, applies to SI over 10 lakhs. It applies once for up to 10 lakh rupees for the same or different illnesses.
ICICI Lombard Health AdvantEdge covers 12 modern treatments without the co-pay clause.
Earn reward points for wellness activities like gym, yoga, check-ups and health events. Redeem points on the OPD bill for consultation, medicine, diagnostic and dental.
Cover for home medical treatment if no hospital room is available or the patient cannot be moved.
Pay the premium for 3 years at once and save up to 12.5% on the Health Booster policy.
The Health Booster policy offers a 10% cumulative bonus for every claim-free year up to 50%.
Choose your sum insured from 1 lakh rupees to 5 lakh rupees based on your health needs.
Ambulance expenses cover up to 2000 rupees per hospitalization.
You may contact ICICI Health Insurance using the below-mentioned information if you have any queries about ICICI Health Insurance plans:
Check out various riders available with ICICI Lombard health insurance plans:
Pays lump sum on the first diagnosis of listed critical illnesses. It is available in various ICICI Lombard insurance plans with a 90-day waiting period.
This rider provides a daily cash allowance during hospitalization. It is available under various ICICI Lombard insurance plans.
It pays the non-medical expenses during hospitalization and is available in the ICICI Lombard Health plans.
It covers pregnancy-related expenses with waiting periods of 9 months, 2 years or 3 years under various ICICI Lombard health insurance plans.
This rider covers the newborn baby’s in-patient hospitalization expenses until 90 days old. It is available under various ICICI Lombard Health Insurance plans.
The Personal Accident rider provides a lump sum payment for accidental death, permanent total disability or permanent partial disability. This rider is available under multiple health insurance plans.
This rider increases the sum insured of the ICICI Lombard health insurance policy at every renewal based on the previous year’s inflation rate. It is available under multiple ICICI Lombard health insurance plans.
The Convalescence Benefit rider is for hospitalization of 10 days or more. It is available in Health Shield 360, Complete Health Insurance, Health Booster and Hospifund Insurance plans.
This rider pays for treatment expenses abroad, including USA and Canada. It is available under the ICICI Lombard Health AdvantEdge, ICICI Lombard iShield and ICICI Lombard Health Shield 360 plans. It may cover ambulance charges and has a waiting period of 2 years for planned hospitalizations.
This rider gives daily allowances for nurse services at home and is available with ICICI Lombard Health plans.
This rider covers travel for immediate family if the insured is hospitalized for more than 5 days. It is available with the ICICI Lombard Health plans.
This rider covers physical doctor consultations, diagnostic & minor procedures, pharmacy, physiotherapy and diet & nutrition e-consultation. It is available under the ICICI Lombard Health AdvantEdge, Health Shield 360 and Complete Health Insurance plans.
It reduces the ICICI health insurance premium if the policyholder agrees to pay a deductible in case of a claim. It is available under the ICICI Lombard Health AdvantEdge, Wyn Health and Golden Shield plans.
It shortens the disease waiting period and covers vaccinations for newborns. This rider is available for Wyn Health, Max Protect, Health AdvantEdge and iShield plans.
The Preventive Health Check-up rider reimburses the cost of availing preventive health check-ups during the policy year. This rider is available under ICICI Lombard Health AdvantEdge and ICICI Lombard Health Shield 360 plans.
This rider increases the health insurance sum insured by 50% annually to up to 200%. It is available in the ICICI Lombard Wyn Health, Health Shield 360 and Complete Health Insurance plans.
The Voluntary Co-payment rider lowers the health insurance premium. It applies when the policyholder bears a fixed percentage of the claim amount on each claim. This rider is applicable for the ICICI Lombard Health AdvantEdge and Complete Health Insurance plans.
This rider reimburses medical expenses on an OPD basis and is available under the ICICI Lombard iShield and Complete Health Insurance plans.
This rider covers transporting the insured’s remains to their residence and is offered by the ICICI Lombard Health Booster and Personal Protect plans.
This rider reimburses the insured’s hospitalization expenses under the ICICI Lombard Personal Care and Personal Protect plans.
This rider is available under the ICICI Lombard Personal Care and Personal Protect plans. It pays an additional amount for permanent total disability caused by an accident.
It pays for ambulance services to take the insured to the hospital and is available under the ICICI Lombard Hospifund Insurance and ICICI Lombard Personal Protect plans.
This rider offers doctor consultations via various methods and is available with the ICICI Lombard iShield and COVID Shield plans.
This rider is to lower the insurance premium by limiting the hospital room rent charges.
This rider pays daily cash for 7 days of office leave hospitalization under the ICICI Lombard Wyn Health plan.
This rider covers infertility and assisted reproduction treatments, including OPD treatment, once in a lifetime. It is available under the ICICI Lombard Wyn Health plan.
This rider increases the inpatient hospitalization coverage by 5% annually up to 100%, regardless of the previous year’s claims. It is available in the ICICI Wyn Health plan.
Policyholders can change their room category with the Room Eligibility rider under the ICICI Lombard Max Protect plan.
It is available with the iShield plan and includes a Domestic Air Ambulance rider for emergencies.
This rider covers medical expenses at home under the ICICI Lombard iShield plan.
This rider removes the 20% mandatory co-payment on all claims and is available under the ICICI Lombard Special Shield plan.
This rider pays daily for the dependent’s hospital stay under the ICICI Lombard Health Shield 360. It activates after the insured’s 3-day hospitalization for up to 10 days.
This rider reduces the mandatory 50% co-payment for all claims under the ICICI Lombard Golden Shield plan.
It offers the Care Management Plus programme rider which includes healthcare services, consultations, procedures, pharmacy, nursing at home and family updates.
This rider covers treatment expenses for 5 to 7 days in the ICU under the ICICI Lombard Criti Shield Plus plan.
This rider pays a lump sum if the insured is re-diagnosed with a major cancer, after the previous major cancer claim. It is available with the ICICI Lombard Criti Shield Plus plan with a 3-year waiting period.
This rider under the Criti Shield Plus plan pays a lump sum for major surgery.
It pays a weekly lump sum for 10 weeks for the insured’s accidental temporary total disablement under the ICICI Lombard Health Booster plan.
This rider pays cash for ICU admission under the ICICI Lombard Hospifund Insurance plan.
This benefit pays a daily allowance if the insured is hospitalized due to a specified cancer severity to the Hospifund Insurance holders.
The Hospifund Insurance plan has a Brain & Stroke Hospitalization Cash Benefit rider for daily cash in case of a brain ailment or stroke hospitalization.
The ICICI Hospifund Insurance plan offers the Organ Transplant Hospitalization Cash benefit rider, which provides a daily allowance for insured individuals undergoing organ transplant surgery.
The Hospifund Insurance offers the Heart Ailment Hospitalization Cash Benefit rider, which pays a daily cash amount if the insured is hospitalized for a heart ailment.
This rider pays a daily allowance for the insured’s fractures or second/third-degree burns under the ICICI Hospifund plan.
This benefit pays daily cash if the insured is in the hospital for daycare. It is available in the Hospifund insurance plan.
The Hospifund insurance plan offers Child Care Cash benefit for the insured’s hospitalization, paying daily allowance for childcare.
This rider pays daily cash when the insured is hospitalized due to injury or illness under the Hospifund insurance plan.
This benefit pays a fixed amount if the insured is hospitalized for at least 3 days and a family member is visiting. It is available with the Hospifund insurance plan.
The ICICI Personal Protect plan includes this rider for accidents.
This rider provides a fixed amount for education if the insured dies or becomes permanently disabled and is available with the ICICI Lombard Personal Protect plan.
The ICICI Lombard health insurance plan offers comprehensive coverage with an infinite claim amount and sum insured restoration benefit. Here's a step-by-step guide on how to file a claim under this policy.
Cashless Claim Process | Reimbursement Claim Process |
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When it comes to the best health insurance, there is no “one-size-fits-all” policy. It is like choosing a Netflix or OTT plan - different plans offer different benefits and have different costs. However, this age is designed to meet the diverse needs of most users, making it a versatile and comprehensive health insurance comparison page.
It is essential to conduct a thorough comparison to find the policy that best suits your needs. We have created a comprehensive table of how some of the top mediclaim policies in India compare to others in the industry.
Insurance Provider | Plan Name | Coverage Type | Sum Insured Range | Age Limit (Adults) | Important Parameters | |
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Care Advantage Health Insurance Plan | Individual & Family Floater | ₹2 Lakh - ₹6 Crore | 18-65 years |
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ICICI Elevate Health Insurance Policy | Individual & Family Floater | ₹2 Lakh - ₹6 Crore | 18-65 years |
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IFFCO Tokio Family Health Protector Policy | Individual & Family Floater | ₹2 Lakh - ₹6 Crore | 18-65 years |
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Niva Bupa Aspire Policy | Individual & Family Floater | ₹2 Lakh - ₹6 Crore | 18-65 years |
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Arogya Supreme Policy | Individual & Family Floater | ₹2 Lakh - ₹6 Crore | 18-65 years |
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TATA AIG Medicare Lite Policy | Individual & Family Floater | ₹2 Lakh - ₹6 Crore | 18-65 years |
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ICICI Lombard’s diverse range of health insurance plans in India is designed to shield individuals from the escalating expenses associated with medical treatment and hospitalization resulting from illness or accidents. The goals of their health insurance products are to provide financial security and peace of mind, ensuring that individuals can access quality healthcare without the burden of excessive costs.
ICICI Lombard provides a variety of health insurance plans that accommodate various requirements and financial capabilities:
Yes, ICICI Lombard offers a comprehensive network of hospitals on their website, allowing policyholders to easily locate healthcare facilities in their vicinity that provide cashless claim settlement. This convenient feature enables customers to access quality medical care without having to worry about the financial aspect of the treatment.
Yes, you can obtain a quote for an ICICI Lombard Health Insurance plan either on their official website or by consulting an insurance agent.
ICICI Lombard Health Insurance offers a diverse range of health insurance plans to cater to the needs of individuals, families, women, senior citizens and persons with disabilities in India. Established in 2001, it is a prominent general insurance company resulting from a joint venture between ICICI Bank and Fairfax Financial Holdings.
To file a claim with ICICI Lombard Health Insurance, follow these steps:
To access your ICICI Lombard Health Insurance policy details, simply follow these steps:
You can renew your ICICI Lombard Health Insurance policy in the following ways:
To check the status of your health insurance claim, follow these steps:
To download your ICICI Lombard Health Insurance card:
For reimbursement claims, follow these steps:
To make an online payment for your ICICI Lombard Health Insurance:
Using your ICICI Lombard Health Insurance involves:
Choosing the right ICICI Lombard Health Insurance policy depends on individual needs. It is important to consider factors such as:
Tax Savings up to Rs. 54,600*
Additional 15% Online Discount
4.8 Customer Rating
Affordable Premium Amount