How does the waiting period affect my coverage?

Health Elite Policy has a 30-day initial, 24-month specific disease, and 36-month pre-existing conditions waiting period.

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

Health Elite Policy offers a cumulative bonus, increasing the sum insured for every claim-free year.

Will my health insurance cover treatment abroad?

Health Elite Policy provides optional worldwide coverage, allowing international treatment if this benefit is selected.

OneAssure

Health Insurance

ICICI Lombard

Health Elite

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

9.2

Customer Rating

Brochure

Policy Wording

Get a Quote

97.16%

Claim Settlement Ratio

10601+

Network Hospitals

9.2

Customer Rating

Brochure

Policy Wording

Our Verdict

Expert Review: ICICI Lombard Health Insurance

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Final Verdict

ICICI Lombard Health Elite offers broad coverage up to ₹50 lakh with maternity, OPD, and global treatment options. Ideal for families and individuals seeking extensive, flexible health protection, though premiums may rise with add-ons.

About

About ICICI Lombard Health Insurance

The Health Elite plan by ICICI Lombard offers comprehensive health coverage with sum insured options ranging from ₹3 lakh to ₹50 lakh. It includes in-patient treatment, pre- and post-hospitalization expenses, day care procedures, emergency services, and donor expenses. Additional benefits encompass maternity coverage and outpatient treatment extensions. Policyholders can also access a vast network of over 6,700 cashless healthcare providers, ensuring quality medical care without financial strain. This plan is designed to provide extensive protection against various medical expenses, catering to diverse healthcare needs.

The Health Elite plan by ICICI Lombard offers comprehensive health coverage with sum insured options ranging from ₹3 lakh to ₹50 lakh. It includes in-patient treatment, pre- and post-hospitalization expenses, day care procedures, emergency services, and donor expenses. Additional benefits encompass maternity coverage and outpatient treatment extensions. Policyholders can also access a vast network of over 6,700 cashless healthcare providers, ensuring quality medical care without financial strain. This plan is designed to provide extensive protection against...

Inclusions and Exclusions

Inclusions and Exclusions of ICICI Lombard Insurance Company Limited

Advanced Treatments

Stem Cell TherapyRobotic SurgeriesOral ChemotherapyDeep Brain StimulationBronchial ThermoplastyIntra Operative Neuro Monitoring (IONM)

Co-payment

Policyholders can opt for a co-payment of 10% or 20%, sharing a fixed percentage of the claim amount, which can help reduce premium costs.

Waiting Period

Initial Waiting Period: 30 days from policy inception for all illnesses, except accidents.Specific Diseases: 24-month waiting period for certain specified conditions.Pre-existing Conditions: Coverage begins after a 36-month waiting period.

Cashless Healthcare Providers

Access to over 6,700 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.

Daycare Treatment

Covers medical procedures requiring less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.

AYUSH Treatment

Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.

Advanced Treatments

Stem Cell TherapyRobotic SurgeriesOral ChemotherapyDeep Brain StimulationBronchial ThermoplastyIntra Operative Neuro Monitoring (IONM)

Co-payment

Policyholders can opt for a co-payment of 10% or 20%, sharing a fixed percentage of the claim amount, which can help reduce premium costs.

Waiting Period

Initial Waiting Period: 30 days from policy inception for all illnesses, except accidents.Specific Diseases: 24-month waiting period for certain specified conditions.Pre-existing Conditions: Coverage begins after a 36-month waiting period.

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Exclusions

Pre-existing conditions within the waiting period of 36 months.
Cosmetic or aesthetic procedures unless medically necessary due to injury.
Injuries caused by hazardous activities or self-inflicted harm.
Treatments for substance abuse, alcohol dependency, or related complications.
Non-allopathic treatments (except AYUSH) and experimental procedures not recognized by medical authorities.
Expenses related to fertility treatments, surrogacy, and childbirth outside covered maternity benefits.
Treatment outside India unless the global coverage benefit is included.
Injuries or illnesses caused by participation in illegal activities or war-related events.

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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...