You need health cover regardless of what you take two at a time - pills or stairs.
  • ICICI Lombard Health Insurance

    ICICI Lombard GIC Ltd. is a joint venture between ICICI Bank Limited, India's second largest bank with total assets of over USD 100 billion and Fairfax Financial Holdings Limited, a financial services company based in Canada, associated with reinsurance, general insurance, investment management, and insurance claims management. ICICI Lombard GIC Ltd. has evolved to the status of one of the largest private sector insurers in India with a Gross Written Premium (GWP) of Rs.83.07 billion.

    ICICI Lombard Health Insurance at a Glance

    Coverage for your most loved ones

    Total members covered

    Coverage for a maximum of 4 family members with up to 2 adults and 2 children

    You get a choice of coverage tenure

    Pre and Post Hospitalization cover

    Medical expenses covered for 30 days before your hospitalization and 60 days for post hospitalization for related medical expenses

    The next best thing to having a doc in the family

    Health Check-ups

    Free health check-up 2 times a year

    * For a family health cover product.

    Critical Factors of the Plan

    Not a paisa goes from your own pocket!


    No Co-pay

    You?re covered for any future medical expenses

    Life long renewable

    Plans are lifelong renewable and covers you for your entire lifetime.

    Get essential cover for existing ailments

    Pre-existing Diseases

    Any pre-existing condition will be covered after a waiting period of 4 year

    Hospital room rent determines your treatment bill

    Room Rent

    No sub-limits on room rent

    *These Features may be included as part of different products and are subject to the insurer's terms & conditions.

    Additional Features of ICICI Lombard Health Insurance

    Good health offers multiple rewards

    Hospital Daily Cash and Convalescence Benefit

    The world is your healthcare oyster

    Get cashless medical treatment across India in 4,000+ network hospitals

    *These add-ons may be included as part of different products and are subject to the insurer's terms & conditions.

    ICICI Lombard General Insurance Co. Ltd. brings to the Indian market the combined expertise of two individual enterprises, making it a formidable force in the general insurance industry. It offers insurance solutions to individuals as well as companies in the form of personal and business financial protection solutions respectively. Some of their retail insurance solutions include auto insurance, travel insurance, personal accident and health insurance to name a few.

    ICICI lombard health insurance plans

    Among the company’s health insurance offerings are the following plans:

    • ICICI Lombard Complete Health Insurance
    • Health Booster
    • Personal Protect Insurance Policy
    • Health Care Plus Policy
    • Group Personal Accident

    ICICI Complete Health Insurance

    This is a total health insurance solution that aims to provide coverage to not just the proposer but also his/her family. It is made affordable through its two coverage options i.e. Cover on an Individual Basis (which is taken for each person separately, premiums being payable for each insured member) or on a Floater Basis (wherein the entire family is covered for a particular amount).

    Coverage options are also flexible. Customers can choose to make their cover more comprehensive by opting to cover critical illnesses in addition to the basic plan.

    Entry Age The minimum entry age starts from 6 years under individual policy and 3 months under the floater policy
    Policy Period 1 or 2 year policy period as per plans offered
    Renewability Lifetime
    Medical Screening No health check-up up to the age of 45 years (age as on last birthday)
    Basis Individual and Floater
    Sum Assured Rs.2 lakhs, Rs.3 lakhs, Rs.4 lakhs, Rs.5 lakhs, Rs.7 lakhs or Rs.10 lakhs. (chosen amount can be enhanced at renewal) No-claim Bonus: 10% increase in sum assured for every claim-free year; max. 50%; awarded at renewal
    Premium Discount if voluntary deductible is opted for
    Coverage iHealth Plan - Inpatient hospitalisation expenses: Boarding, Nurse Care, ICU, Doctor/Surgeon, Anesthesia, Blood, Oxygen, OT - Specified Day care treatment - Pre/Post-hospitalisation expenses: Up to 30 /60 days respectively - Ambulance Costs: Up to Rs.1,500 per hospitalisation - Pre-existing diseases: 2 or 4 yr. waiting period depending on chosen coverage - Yearly Health-checks: Limited to 2 per yr. on floater basis
    Add-on Covers Option 1 - Daily Cash Allowance: Per day of hospitalisation; max. 10 days; deductible: 3 days Rs.500 for coverage options Rs.1 lakh or 2 lakhs Rs.1,000 for coverage options Rs.3, 4 or 5 lakhs Rs.2,000 for coverage options Rs.7 or 10 lakhs - Convalescence Benefit: Hospital stay of 10 days or more; Rs.10,000 per insured member; one-time per policy period

    Option 2 - For coverage options above Rs.2 lakhs - Critical Illness: One-time, Lump sum payment on diagnosis for - Cancer, CABG, Heart Attack, Major Organ Transplant, Stroke, Paralysis, Heart Valve Replacement, Terminal Liver Failure - Organ Donor Expenses: Up to Rs.50,000 - reimbursed

    Health Booster

    The Health Booster plan offered by ICICI Lombard is a super top-up insurance product that extends the coverage for illnesses and expenses that are not covered under the base plan. The plan also has a deductible threshold. The product is ideal for customers who are looking to protect themselves from the surging medical costs and unprecedented medical issues.

    Entry Age 6 years of age for individual 3 months for floater policy
    Renewability Reset up to 100% of the sum insured once in a policy year in case the sum insured including accrued additional sum insured (if any) is insufficient to make the claim
    Medical Screening Medical underwriting is required for an individual who is more than 45 years of age or opting Sum Insured more than 10 lakh or both
    Basis Individual and floater
    Coverage Sum insured amount options from Rs.5 lakh to Rs.50 lakh and flexible deductible options (Rs.3 lakh, Rs.4 lakh & Rs.5 lakh) to suit your needs
    Add-on Covers Optional Cover 1: Hospital Daily Cash & Convalescence Benefit

    Optional Cover 2: Personal Accident Cover, Temporary Total Disablement (TTD) Rehabilitation Cover & Repatriation of Remains (Only for adults up to 60 years)

    Optional Cover 3: Critical Illness Cover (Only for adults up to 60 years)

    Personal Protect Insurance Policy

    ICICI Lombard offers the Personal Protect Policy that provides coverage for Accidental Death and Permanent Total Disability (PTD). The product offers coverage for terrorism as well. An optional cover is offered for Accidental Hospitalisation Expenses and Accidental Hospital Daily Allowance.

    Entry Age The minimum entry age is 18 years and the maximum entry age is 60 years (age as on last birthday)
    Medical Screening No health check-up required for policy issuance
    Basis Individual
    Coverage Customised coverage that allows you to choose between Rs.3 Lakhs, Rs.5 Lakhs, Rs.10 Lakhs, Rs.15 Lakhs, Rs.20 Lakhs and Rs.25 Lakhs Sum Insured

    Health Care Plus Plan

    The ICICI Lombard Health Care Plus Plan is designed to cover medical expenses that exceed the sum insured of the policyholder’s existing health insurance plan. Having said that, this health insurance plan can function as an independant insurance plan as well, offering coverage for hospitalisation more than 24 hours and for critical illnesses after the 4th renewal of the policy.

    Entry Age Individuals between 5 years and 65 years are eligible for this policy
    Policy Tenure 1 or 2 years
    Renewability Lifetime renewability
    Medical screening Only applicants above the age of 56 years are required to undergo a pre-policy check-up
    Premium Depends on the sum insured, tenure, and coverage chosen by the applicant
    • Coverage of pre-existing diseases after renewing the policy after 4 continuous years
    • Tax benefits under section 80D
    • Cashless hospitalisation facility after 24 hours of hospitalisation - includes coverage of all medical expenses up to the sum insured
    • Illnesses contracted within 30 days of the initiation of the policy
    • Coverage of diseases such as cataract, hernia, etc., within the first two years of initiating the policy
    • Self-inflicted injury
    • HIV, AIDS and related sexually transmitted diseases
      Grace Period A grace period of 30 days is granted to renew the policy

    Group Personal Accident

    The policy covers for death resulting from accident and Permanent Total Disablement (PTD) resulting from Accident.

    Entry Age No Age Restriction
    Policy Period 1 Year
    Renewability Lifelong renewability
    Sum Assured Between Rs.5 lakh to Rs.20 lakh
    • Inflicted self-injury, suicide or attempted suicide
    • Affected by venereal disease or insanity, directly or indirectly.
    • While under the influence of intoxicating liquor or drugs
    • Insured committing any breach of the law with criminal intent

    Save Tax Benefits with ICICI Lombard Health Insurance policies

    ICICI Lombard Health Insurance policyholders are liable to save tax under Section 80D of the Income Tax Act, 1961. Listed below are the tax deductions benefits of all ICICI Lombard health insurance plans.

    Tax Deductions under Section 80D of the Income Tax Act, 1961.
    • Deductions up to Rs.55,000 can be availed on the the medical insurance premiums paid for spouse, children and self.
    • Parents can get tax deduction up to Rs.25,000, and senior citizens, can receive deductions up to Rs.30,000.

    ICICI Lombard Health Insurance FAQs

    1. What is the meaning of date of inception of a health insurance policy?
    2. The date of inception of a policy refers to the date when your policy becomes effective.

    3. What is optional coverage? Does ICICI Lombard provide it?
    4. Optional coverage means the add-on benefits in the insurance plan. Yes, the customers can include these add-ons in their policy.

    5. What is mandatory coverage?
    6. It means the original coverage that comes with the policy. You cannot remove it from the policy.

    7. What is a premium?
    8. A premium refers to the amount paid to the insurance company.

    9. What is the meaning of entry age and exist age?
    10. Entry age means the age of eligibility to buy a health insurance policy. Exit age refers to that age on reaching which a person cannot buy or renew his/her policy.

    11. What is the meaning of permanent exclusion?
    12. It means that the disease that falls under this category of permanent exclusion will not be covered under your health insurance plan.

    13. How is the claim procedure at ICICI Lombard?
    14. The claim procedure involves the following three steps -- intimation of claim, process of claim, and claim closure by making the payment.

    15. Whom should I contact to make a claim?
    16. In order to make a claim, you can either approach ICICI Lombard claim management team or the customer service department.

    17. Do I need to pay premium for the second year, if I have to renew my policy?
    18. Yes, you need to pay the premium for the second year, if you intend to renew it.

    19. What is the difference between an individual plan and a floater plan?
    20. An Individual plan refers to the separate plans for each individual. But a floater plan covers your family members as well.

    21. What are the expenses included under the sub limit amount at ICICI Lombard?
    22. The expenses spent in pre-hospitalization, room rent and other expenses related to the treatment process are covered in amount stated in the sub limit bracket.

    23. How does a higher health insurance coverage with ICICI Lombard help me?
    24. A higher health insurance coverage with ICICI Lombard helps you to get advanced and high quality treatment at its network hospitals.

    Examples of Network Hospitals in Major Cities

    Kolkata Columbia Asia Hospital
    DELHI National Heart Institute
    BANGALORE Manipal Hospital
    CHENNAI Fortis Malar Hospital
    Mumbai Hinduja Hospital

    *Disclaimer - This is not an exhaustive list but an indicative representation of hospitals that form a part of the company's wider network.

    News About ICICI Lombard Health Insurance

    • Health insurance plans have not been availed by most smokers: ICICI Lombard Report

      Reports from a survey done by ICICI Lombard General Insurance Co. Ltd showed that 57% of the survey participants do not carry health insurance policies, despite being smokers. A total 1011 individuals responded to the survey via Facebook. The age of the respondents was between 22 years and 45 years. Out of this figure, 54% of the respondents were regular smokers. The types of policies held by the respondents owning health plans varied from regular health insurance policies, policies for critical illnesses and policies with high deductibles. Around 20% of the respondents were unsure whether they actually held any policy.

      1st June 2016

    • Health Advisor Platform launched by ICICI Lombard

      Keeping in mind customer satisfaction, ICICI Lombard has launched a health advisor platform which will help policyholders make informed decisions about the choice of hospitals. This platform will have customer reviews and ratings for hospital feedback.

      Through this platform consumers can get actual experience stories and more from other customers who have been through a similar course. The idea is to help policyholders plan their medical processes more effectively through exchange of information and reviews. The portal currently has over 750 hospital listing from around 10 cities in the country and covering over 30 medical procedure reviews.

      30th March 2016

    • ICICI Lombard predicts positive trends for 2016

      ICICI Lombard, the largest private sector general insurance company in India recently conducted a survey, the results of which promise a positive outlook for 2016. An increased level of alertness and facts about general healthcare and insurance during 2015 have resulted in informed customers who are checking facts and figures before opting for insurance policies. The current year also saw changing trends in the motor insurance category, with customers opting for vehicles with enhanced features and design, but still apprehensive about adding additional cover like Engine protection and RTI to their existing plans.

      17th December 2015

    • ICICI’s sale of 9% of General Insurance

      ICICI Bank will be selling 9% stake in ICICI Lombard General Insurance to Fairfax Financial Holdings for an amount of INR 1550 crore. The move comes directly after the decision by IRDAI allowing foreign investors to have increased stake in insurance companies born out of a joint venture.

      Finalisation of the deal will allow Fairfax Holdings to gain a 35% stake in the insurance venture from the earlier 26%. This stake increase is still within the acceptable limits of 49% as decreed by the government. An increased stake in the venture goes on to say that Fairfax undoubtedly has faith in the growth of insurance sector in India in general and the growth of the venture, in particular. The benefit of this increased stake could mean a wider spectrum of fund allocation for the purpose of insurance, allowing people to have options for larger sums of insurance.

      12th November 2015

    • ICICI Lombard Survey reveals the Need for Awareness on Health Insurance

      A recent survey by ICICI Lombard, a popular Indian general insurance company has shed some light on the mentality of earning Indians in the age limits of 25-35 years, particularly pertaining to health insurance. It was found that almost 86% of the sample set believed that they were healthy and didn’t have the need for a health insurance scheme. This survey was conducted across the cities of Mumbai, Delhi, Kolkata, Bangalore, Chandigarh, Lucknow, Hyderabad and Ahmedabad.

      While a majority of spend is done on household items, family, EMIs and premiums, only 5% of the overall expenditure is done on health and medicals. The trend has depicted that the uninsured ones tend to save less and spend more compared to the insured portion of the sample set. While a larger chunk of the sample set purchased insurance at the age of 30, they opined that they should have done the same at 25 or at least before 30.

      Awareness about health insurance needs to improve and the mentality about it being more than a tax saving option needs to change. This survey has explored some crucial corners of the Indian mentality with regards to health insurance.

      12th October 2015

    • Indian Women Neglect Health, Remain Uncovered by Health Insurance

      A recent survey conducted by ICICI Lombard Health Insurance reveals that a majority of women are not covered by health insurance. Only 39% women were covered by health insurance. Among the uncovered group of women, 53% women had not given any serious thought to it.

      ICICI Lombard General Insurance Company conducted this survey in February 2015. The main reason for conducting this survey was to find out women’s awareness towards their health. The survey received responses from 1009 women respondents. According to the survey, Indian women prioritize their family over their health, which is an accepted norm among 40% of the respondents. They have the tendency to neglect their health and health check-ups which is revealed by the responses coming from 79% of the women respondents who didn’t go for any tests or health check-ups, except when they are unwell.

      Although they suffer from various health disorders once or twice in a year, they neglect regular health check-ups. Indian women are more prone to diseases such as anaemia, metabolic disorders, cancer and arthritis compared to men as stated by ICICI Lombard’s claims data analysis for 2013 and 2014.

      11th March 2015

    • ICICI Lombard Reveals Dengue Treatment Tops Health Insurance Claims

      ICICI Lombard has brought to light that treatment of dengue is the main driver of insurance claims in Mumbai although the Municipal Corporation of Mumbai doesn’t agree.

      Dengue rose a whopping 96% in 2013. In 2011, 5% of the total claims from treatment of infectious diseases was dengue-related and gradually climbed to 8% in 2012 . It went up further by 1% to 13% in 2013.

      ICICI Lombard says that 50% of dengue problems occur in the last three months of the year. There was a jump of 91% in men and 103% in women in 2013. Most of the victims are in the age -group 26 to 35 years while the 16 to 25 years age-group is the next most infected. In most cases dengue leads to secondary infections like fever and other common infections of the respiratory tract and gastroenteritis.

      24th November 2014

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