ICICI Lombard Health Insurance Review


ICICI Lombard Health Insurance Review is our today’s topic. ICICI Lombard Health Insurance offers a wide range of health insurance plans to suit perfectly depending on the needs of their customer. Flexible policy terms, premium payments, riders, treatment coverage, and hospital networks are among the many features that come with the health plan from ICICI Lombard.

ICICI Lombard Health Insurance Review Information

ICICI Lombard General Insurance Co. Ltd combined expertise of two individual enterprises, making a dominant competitor 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. Some of their retail insurance solutions include auto insurance, travel insurance, personal accident cover, and health insurance.


1. Access to over 6,500 hospitals.

2. Waiting period of 2 years for pre-existing disease.

3. Lifetime renewability.

4. Claim upto Rs. 55,000 deduction under section 80D of the income tax act, 1961.

Why to choose ICICI Lombard health insurance

1. ICICI Lombard Health Insurance policies come with a lifelong renewability option so that you can get health cover when you need it the most without the hassle of renewing the policy each year.

2. Cashless claims get settled within 4 hours of registering the claim request and for reimbursement claims, within 14 days.

3. Get reimbursement for alternative treatments such as Ayurveda, Unani, Siddha, and Homeopathy (AYUSH) at a government hospital or institute recognized by the government or accredited by the Quality Council of India.

4. For enhanced coverage, add-on covers such as maternity and newborn baby cover, wellness and preventive healthcare cover, and out-patient treatment cover can be attached to the base health insurance policy.

5. Once in a policy year, up to 100% insured sum amount will be restored and provided if the claim has been made in the same policy year. The reset sum insured will be for illness or injury that is unrelated to the claim that has already been paid.

6. Get free health-checkup, online chat with a doctor, consultations with specialists to stay fit and healthy.

7. Get tax deduction on premium paid towards a health insurance policy under Section 80D of the Income Tax Act, 1961.

ICICI Lombard health insurance plans

ICICI Lombard complete health insurance

The plan is a total health insurance solution that aims to provide coverage to not just the proposer but also his/her family. 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.


1. Age – The minimum entry age is 6 years under the individual policy and there is no maximum entry age limit. Under the floater plan, children are covered between the ages of 3 months and 5 years.

2. Policy periods are 1 or 2 years, as per plans offered.

3. Lifetime renewability.

4. No health check-up is needed up to the age of 46 years (age as on last birthday) and a sum insured up to Rs.10 lakh.

5. The floater cover protects the insured individual, spouse, brothers, sisters, dependent children, and dependent parents under the same plan. A single premium is payable for the cover. Children above the age of 3 months can avail of coverage as long as the plan covers at least one adult.

6. The customer can choose insured sum amounts between Rs. 3 lakhs and Rs. 50 lakhs based on his/her specific insurance needs. Additional sum insured upto 10% increase in sum assured for every claim-free year(maximum 50%).

7. Premium depends on the amount of coverage you have opted for.

8. Coverage

  • Hospitalisation cover.
  • Pre and post hospitalisation cost.
  • Day care treatments cover.
  • AYUSH treatments at approved hospitals.
  • Reset benefit.
  • Additional sum insured.
  • Emergency ambulance cover.
  • Free health check up.
  • Wellness Programme.
  • Newborn baby coverage.
  • Donor expenses.
  • Personal accident coverage.

ICICI Lombard health booster

The Health Booster plan is a super top-up insurance product that extends coverage for illnesses and expenses that are not covered under the base plan. The scheme is ideal for customers looking to protect themselves from surging medical costs.


1. Age – Minimum entry age is 6 years for an individual policy. Children aged 3 months to 5 years can avail of insurance under the floater policy. There is no limit on the maximum entry age.

2. Lifetime renewability.

3. Medical underwriting is required for an individual who is more than 46 years of age or opting for an insured sum amount of more than Rs.10 lakhs or both.

4. Coverage

  • Insured sum amount options ranges from Rs. 5 lakhs to Rs. 50 lakhs and flexible deductible options(Rs. 3 lakhs, Rs. 4 lakhs & Rs. 5 lakhs) to suit your needs.
  • Hospital Daily Cash & Convalescence Benefits Optional.
  • Personal Accident Cover, Temporary Total Disablement(TTD) Rehabilitation Cover & Repatriation of Remains Optional.
  • Critical illness Cover.

ICICI Lombard Personal Protect Insurance

The Personal Protect Policy provides coverage for Accidental Death and Permanent Total Disability(PTD). An optional cover is offered for Accidental Hospitalisation Expenses and Accidental Hospital Daily Allowance.


1. Age – The customer’s age should be between 18 and 65 years to be able of buying the policy. You can also purchase the policy for your spouse, children, or parents.

2. Medical screening is not required.

3. Coverage

  • The policyholder has the flexibility to choose the insured sum amount between Rs. 3 lakhs, Rs. 5 lakhs, Rs. 10 lakhs, Rs. 15 lakhs, Rs. 20 lakhs and Rs. 25 lakhs.
  • The plan offers worldwide coverage.
  • The claim process is very easy and simple with limited documentation.
  • The customer can buy the policy online and benefit from premium payment in installments.

Arogya Sanjeevani policy

In case you are hospitalized, the medical bills are paid by the insurer in this plan. Basic healthcare needs are covered and the cover is provided on a floater basis. 


1. Age – Individuals between 18 and 65 years of age can avail of the policy. Dependent children between the ages of 3 months and 25 years are eligible. 

2. Lifetime renewability.

3. Coverage

  • In patient hospitalisation.
  • Dental treatment.
  • Plastic surgery.
  • Cataract treatment.
  • Day care procedures.
  • Pre and post hospitalisation.
  • Free lock period is Within 15 days from the date you have received the policy. 

Corona Kavach policy

It is a covid specific policy provided by the ICICI Lombard that provides cover during the global pandemic. Under the policy, hospitalization expenses are provided for Covid-19 treatment. 


1. Age – Individuals between the ages of 18 years and 65 years can avail of the policy.

2. Insured sum amount ranges from Rs. 50,000 to Rs. 5 lakhs.

3. Inclusions

  • Inpatient hospitalisation 
  • ICU costs.
  • Home care treatment.
  • Floater benefits.
  • Pre and Post hospitalisation.
  • Ambulance expenses.

4. Exclusions

  • OPD expenses.
  • Any treatment expenses abroad.
  • Diagnostic expenses.
  • For medicines that have not been prescribed.

Value added service offered by ICICI Lombard Health insurance.

1. Free health check-up including medical examination, fasting blood sugar, urine routine, blood grouping, and Total Cholesterol.

2. Online chat with ICICI Lombard-appointed doctor.

3. To help customers stay fit and healthy, the offered benefits include dietician and nutritionist consultation.

4. The Health Advisor facility is an online platform that enables customers to share their experiences about medical facilities and record reviews.

Tax benefits

policyholders can save tax under Section 80D of the Income Tax Act, 1961.

1. Deductions up to Rs. 25,000 per individual can be availed on the medical insurance premiums paid for spouse, children, and self.

2. Parents can get a tax deduction of up to Rs. 25,000 and senior citizens can receive deductions up to Rs. 30,000.

Claim procedure


For a cashless claim, the insured needs to visit a hospital enlisted in ICICI Lombard Health Insurance and show the health card there. The hospital will submit a pre-authorization request form to the insurer. After verification, the insurer will either approve or reject the request.

If approved, the network hospital will proceed with the cashless treatment for the insured member and the insurer will settle the bills directly with the hospital.

In case of rejection, the insured member can seek treatment and pay for the bills by him/herself, then file a reimbursement claim after discharge.


In this process, the insured has to collect all the original medical documents from the hospital at the time of discharge and submit it along with a duly-filled claim form with all medical expenses.

The insurer shall settle the claim amount with the insured member within 15 days of receipt of all the relevant documents(The claim shall be approved or rejected as per the policy terms and conditions).


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