ICICI Lombard Health Insurance 2026 – Plans, Premiums & Cashless Hospitals
ICICI Lombard Health Insurance offers a wide range of health insurance plans to suit any customer. Flexible policy term, premium payments, riders, treatment coverage and hospital networks are among the many perks that come with buying a health plan.
ICICI Lombard General Insurance Co. Ltd. is a leading general insurance provider in India, offering a wide range of personal and business financial protection solutions. Their retail offerings include auto insurance, travel insurance, personal accident cover, and health insurance, among others.
Features | Specifications |
Network Hospitals | 6500+ |
Waiting Period for Pre-existing Disease | 2 years |
Renewability | Lifetime |
Plans Offered by ICICI Health Insurance
- Health AdvantEdge
- Health Booster
- Arogya Sanjeevani Policy
- Personal Protect
- Corona Kavach Policy
- Saral Suraksha Bima
- Golden Shield
ICICI Health Insurance Coverage Details
- Hospitalisation cover
- Post & pre hospitalisation costs
- Day care treatments cover
- AYUSH treatments at approved hospitals
- Reset benefit
- Additional sum insured
- Emergency ambulance cover
- Free health check-up
- Wellness programme
ICICI Health Insurance Add-on Covers & Riders
- Hospital daily cash
- Maternity benefit
- Convalescence benefit
- Nursing at home
- Newborn baby coverage
- Outpatient treatment cover
- Air travel allowance for family member as part of compassionate visit
- Wellness and preventive health checkups
- Donor expenses
- Critical illness cover
- Medical evacuation coverage
- Personal Accident Cover
ICICI Health Insurance Plans Details
1. ICICI Lombard Complete Health Insurance:
The ICICI Lombard Complete Health Insurance 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.
Entry Age | The minimum entry age is 6 years under individual policy and there is no limit on the maximum entry age. Under the floater plan, children are covered between the ages of 3 months and 5 years. |
Policy Period | 1 or 2 years, as per plans offered |
Renewability | Lifetime |
Medical Screening | No health check-up is needed up to the age of 46 years (age as on last birthday) and sum insured up to Rs.10 lakh |
Floater benefit |
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Sum Insured |
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2. ICICI Lombard Health Booster:
The Health Booster plan offered by ICICI Lombard is a super top-up insurance product that extends coverage for illnesses and expenses that are not covered under the base plan. The product is ideal for customers who are looking to protect themselves from surging medical costs and unprecedented medical issues.
Entry Age | Minimum entry age is 6 years for individual policy. Children aged 3 months to 5 years can avail insurance under the floater policy. There is no limit on the maximum entry age. |
Renewability | Lifetime |
Medical Screening | Medical underwriting is required for an individual who is more than 46 years of age or opting for Sum Insured more than Rs.10 lakh, or both |
Basis | Individual cover is provided to each member of the family |
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 |
3. ICICI Lombard Personal Protect Insurance Policy:
ICICI Lombard offers the Personal Protect Policy that provides coverage for Accidental Death and Permanent Total Disability (PTD). The ICICI Lombard Personal Protect Insurance Policy offers coverage for terrorism as well. An optional cover is offered for Accidental Hospitalisation Expenses and Accidental Hospital Daily Allowance.
Eligibility | The customer should be between 18 and 65 years of age to be able to buy the policy. You can also purchase the policy for your spouse, children, or parents. |
Basis | Individual |
Medical screening | Not required |
Coverage |
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4. Arogya Sanjeevani Policy:
Under the policy, in case you are hospitalised, the medical bills are paid by the insurer. Basic healthcare needs are covered under the Arogya Sanjeevani Policy. Cover is provided on a floater basis.
Eligibility | Individuals between the ages of 18 years and 65 years can opt for the policy. Dependent children between the ages of 3 months and 25 years. |
Renewability | Lifetime |
Basis | Floater |
Cover |
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Free Look Period | Within 15 days from the date you have received the policy. |
5. Corona Kavach Policy:
A Covid specific policy that provides cover during the global pandemic is the Corona Kavach policy. Under the policy, hospitalisation expenses are provided for Covid-19 treatment.
Features | Details |
Age Limit | 18 to 65 years |
Sum Insured | ₹50,000 – ₹5 Lakh |
Renewability | Not Applicable |
Inclusions: Inpatient hospitalisation, ICU costs, Home care treatment, Floater benefit, Pre & Post-hospitalisation, Ambulance expenses, and Hospital daily cash cover.
Exclusions: OPD expenses, Treatment abroad, Diagnostic expenses, and Non-prescribed medicines.
Get Tax Benefits with ICICI Lombard Health Insurance Plans
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. |
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Value-Added Benefits Under ICICI Lombard Health Insurance Plans
- Free Health Check-up – Includes medical examination, blood sugar (fasting & post-prandial), urine routine, blood grouping & Rh, CBC, ECG, Hb%, and total cholesterol.
- Online Doctor Chat – Consult an ICICI Lombard-appointed doctor online.
- Dietician & Nutritionist Consultation – Helps customers maintain a fit and healthy lifestyle.
- Specialist Consultation – Includes one follow-up session.
- ICICI Lombard Health Care Platform – An in-house wellness and claim processing platform offering multiple wellness initiatives and seamless claim services.
- Health Advisor – An online platform for customers to share experiences and reviews about medical facilities.
ICICI Lombard Health Insurance Customer Care
ICICI Prudential Life Insurance Company Ltd. is one of India's leading insurance providers, established in 2001 through a partnership between Prudential Corporation Holdings Limited and ICICI Bank Ltd. Over the years, it has grown into a trusted name, known for its diverse product offerings and quality service in the Indian insurance space, including a range of health insurance policies tailored to varied customer needs.
For support, customers can reach the dedicated 24/7 team via:
- 📞 Phone: 1800-103-2292 (Toll-Free)
- 📧 Email: customersupport@icicilombard.com
How to File a Health Insurance Claim with ICICI Lombard?
There are 2 types of claims a policyholder can make with ICICI Lombard Health Insurance:
1. Cashless Claim: Visit a network hospital and present your health card. The hospital submits a pre-authorisation request to ICICI Lombard, which is then approved or rejected after verification. If approved, treatment proceeds cashlessly and bills are settled directly with the hospital. If rejected, pay out-of-pocket and file a reimbursement claim post-discharge.
2. Reimbursement Claim: At discharge, collect all original medical documents and submit them with a filled claim form to the insurer. The claim is settled within 15 days of receiving all relevant documents, subject to policy terms and conditions.
FAQs About ICICI Health Insurance
- What is optional coverage? Does ICICI Lombard provide it?
Optional coverage means the add-on benefits in the insurance plan. Yes, ICICI customers can include several add-ons in their policy.
- What is mandatory coverage?
Mandatory coverage is the original cover that comes with the policy. You cannot remove it from the policy.
- Whom should I contact to make a claim?
In order to make a claim, you can either approach ICICI Lombard claim management team or the customer service department.
- What are the expenses included under the sub limit amount at ICICI Lombard?
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.
- How does a higher health insurance coverage with ICICI Lombard help me?
A higher health insurance coverage with ICICI Lombard helps you to get advanced and high quality treatment at its network hospitals.
- What is ICICI Lombard Health Insurance No-Claim Bonus?
At the time of policy renewal, the insurer will provide an additional 10-50% sum insured for every claim-free year; this is called the No-Claim Bonus.
- What is ICICI Lombard Health Insurance contact number?
For any policy-related queries, call toll free number 1800-103-2292 or write to us on customersupport@icicilombard.com
- Does ICICI Lombard cover AYUSH treatments?
Yes, ICICI Lombard covers AYUSH (Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homoeopathy) treatments. However, the treatment must be taken at a government hospital, government-recognised institution, or a facility accredited by NABH or the Quality Council of India.
- What is the sum insured range available?
Under the Complete Health Insurance plan, sum insured options range from Rs.3 lakh to Rs.50 lakh. The MaxProtect plan offers coverage from Rs.1 crore up to Rs.10 crore, with an unlimited option also available.
- What health insurance plans does ICICI Lombard offer?
ICICI Lombard offers several plans including Health AdvantEdge, Health Booster (super top-up), Arogya Sanjeevani Policy, Personal Protect (accidental cover), Corona Kavach Policy, Saral Suraksha Bima, Golden Shield, and the newer MaxProtect plan available in Classic and Premium variants.
Latest News on ICICI Health Insurance 2026
ICICI MaxProtect Health Insurance Plan Details
ICICI Lombard has introduced MaxProtect, a new addition to its product lineup, catering to the evolving needs of customers. The insurance product aims to provide extensive coverage at a competitive price, addressing the healthcare requirements of individuals and families. MaxProtect offers two customer-centric plans – the MaxProtect Classic plan, which provides comprehensive coverage for various medical services, and the MaxProtect Premium plan, which offers global coverage, air ambulance services, and a claim protector feature. The product provides coverage ranging from Rs.1 crore to Rs.10 crore, with an unlimited option, and annual premiums starting at Rs.9,367. MaxProtect also preserves the no-claim bonus, ensuring ongoing peace of mind for customers. The launch is driven by consumer insights, adapting to the increased preference for higher coverage amounts and value-oriented decisions in the Indian health insurance market. Policyholders can benefit from cashless hospitalization across India through the IL Take Care app.
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