How does the waiting period affect my coverage?

30 days for all illnesses, 24 months for specific diseases, and 36 months for pre-existing conditions.

What happens if I don’t use my health insurance benefits for the entire year?

Earn a no-claim bonus, increasing the sum insured for every claim-free year.

Will my health insurance cover treatment abroad?

Optional international treatment covers available for specified medical conditions and treatments abroad.

OneAssure

Health Insurance

ICICI Lombard

Health Elite Plus

icici lombard health elite plus plan

Experience India's most trusted health insurance with ICICI Lombard Health Insurance. Get instant cashless treatment at 10601 network hospitals with sum insured up to ₹50 lakhs.

97.16

Claim Settlement Ratio

10601

Network Hospitals

9

Customer Rating

Get a Quote

97.16

Claim Settlement Ratio

10601

Network Hospitals

9

Customer Rating

Our Verdict

Expert Review: ICICI Lombard Health Insurance

Final Verdict

The Health Elite Plus plan offers extensive coverage, advanced treatments, and global care access. Ideal for individuals seeking high-end healthcare. Optional co-payment lowers premiums, but full coverage may be costly.

About

About ICICI Lombard Health Insurance

Health Elite Plus is a comprehensive health insurance plan offering full coverage for room rent (including ICU) up to the sum insured. It includes advanced treatments like oral chemotherapy, robotic surgeries, and stem cell therapy. Policyholders can opt for 10% or 20% co-payment to lower premiums. The plan provides access to 67,000+ cashless healthcare providers and covers day care procedures. Additionally, it includes AYUSH treatments at government-recognized institutions, ensuring flexible and extensive medical coverage for policyholders.

Health Elite Plus is a comprehensive health insurance plan offering full coverage for room rent (including ICU) up to the sum insured. It includes advanced treatments like oral chemotherapy, robotic surgeries, and stem cell therapy. Policyholders can opt for 10% or 20% co-payment to lower premiums. The plan provides access to 67,000+ cashless healthcare providers and covers day care procedures. Additionally, it includes AYUSH treatments at government-recognized institutions, ensuring flexible and extensive medical coverage for...

Inclusions and Exclusions

Inclusions and Exclusions of ICICI Lombard Insurance Company Limited

Advanced Treatments

Oral chemotherapy
Robotic surgeries
Stem cell therapy

Co-payment

Insured can choose 10% or 20% co-payment, allowing cost-sharing for lower premium expenses.

Waiting Period

Initial Waiting Period: 30 Days
24 months for specific diseases
36 months for pre-existing conditions.

Cashless Healthcare Providers

10,000+ Cashless Healthcare Providers

AYUSH Treatment

Coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy at government-recognized institutions.

Room Rent

Normal: Covered Up to Sum Insured
ICU: Covered up to sum insured

Daycare Treatment

Covers procedures requiring less than 24-hour hospitalization, like cataract surgery and chemotherapy.

Advanced Treatments

Oral chemotherapy
Robotic surgeries
Stem cell therapy

Co-payment

Insured can choose 10% or 20% co-payment, allowing cost-sharing for lower premium expenses.

Waiting Period

Initial Waiting Period: 30 Days
24 months for specific diseases
36 months for pre-existing conditions.

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Exclusions

Pre-existing conditions are not covered for the first 36 months from policy issuance.
No coverage for any illness (except accidents) during the first 30 days of the policy.
Cosmetic and aesthetic procedures like plastic surgery, cosmetic implants, and weight-loss treatments are excluded unless medically necessary.
Injuries caused by self-inflicted harm, suicide attempts, drug abuse, or alcohol consumption are not covered.
Non-allopathic treatments beyond AYUSH therapies at government-recognized institutions are excluded.
Infertility treatments, including IVF, surrogacy, and sterilization procedures, are not covered.
Injuries resulting from war, nuclear radiation, or participation in hazardous activities like adventure sports are excluded.

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About the company

ICICI Lombard General Insurance is one of India’s leading private sector insurers, known for providing reliable and comprehensive insurance solutions. It is a joint venture between ICICI Bank, one of India’s largest private banks, and Fairfax Financial Holdings, a global financial services group. Established in 2001, ICICI Lombard has grown rapidly and now serves millions of customers across the country. The company offers a wide range of products, including health, motor, travel, home, and personal accident insurance, catering to individuals, families, and businesses. Its health insurance offerings include regular health plans, super top-up plans, critical illness cover, and personal accident plans, all designed to provide financial protection against unexpected medical expenses. ICICI Lombard stands out for its customer-focused approach, quick and transparent claim settlement, and...

ICICI Lombard General Insurance is one of India’s leading private sector insurers, known for providing reliable and comprehensive insurance solutions. It is a joint venture between ICICI Bank, one of India’s largest private banks, and Fairfax Financial Holdings, a global financial services group. Established in 2001, ICICI Lombard has grown rapidly and now serves millions of customers across the country. The company offers a wide range of products, including health, motor, travel, home, and personal...