What are the other standard waiting periods enforced under this plan?

To keep premium costs stable and predictable for all members, standard industry timelines apply to new policies:Accidents: Covered from Minute 1. There is zero waiting window for emergency accidental care.Initial Waiting Period: 30 days. Any regular illness contracted during the first month of the policy start date is not admissible for claims.Specific Health Conditions: A 2-year (24-month) waiting window applies to standard, slow-growing ailments such as cataracts, hernias, hydrocele, and sinusitis before a claim can be authorized.

Does the plan cover high-cost modern medical surgeries and advanced treatments?

Yes, completely. Precision medical advancements can result in much quicker recovery times, but they carry a high price tag. The Health Protect Plus plan covers advanced procedures up to your total sum insured layout, including robotic surgeries, stem cell therapy (when medically necessary), oral chemotherapy, and targeted oncology therapies.

Are alternative healing paths like Ayurveda or Homeopathy eligible for coverage?

Yes, AYUSH treatments (including Ayurveda, Yoga, Unani, Siddha, and Homeopathy) are fully covered under this policy. If you prefer to seek a holistic route to recovery over conventional allopathic care, your medical expenses are eligible for a smooth claim, provided the treatment is administered at an accredited quality-care facility or a government-recognized institution.

How does the waiting period affect my coverage?

ICICI Health Protect Plus includes a 30-day waiting period for general illnesses, 48 months for pre-existing conditions, and 24 months for specific illnesses.

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

The plan rewards claim-free years with a No Claim Bonus, increasing the sum insured without additional premiums, ensuring enhanced future coverage.

Does ICICI Health Protect Plus cover treatment abroad?

The plan primarily covers treatment within India. International coverage may be available through optional add-ons or separate global health policies.

OneAssure

Health Insurance

ICICI Lombard

Complete Health Insurance Health Protect Plus Plan

ICICI Health Protect 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

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Customer Rating

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97.16

Claim Settlement Ratio

10601

Network Hospitals

0

Customer Rating

Policy Brochure

Our Verdict

Expert Review: ICICI Lombard Health Insurance

Final Verdict

This plan offers extensive coverage with no room rent limits, global emergency cover, and maternity benefits. Ideal for families and individuals seeking comprehensive, flexible health insurance.

About

About ICICI Lombard Health Insurance

ICICI Health Protect Plus is a comprehensive health insurance plan designed to provide financial security against medical expenses. It offers extensive coverage, including in-patient hospitalization, pre- and post-hospitalization expenses, daycare treatments, and domiciliary hospitalization. The plan also includes benefits like ambulance cover, annual health check-ups, and alternative treatments under AYUSH. Policyholders can enhance coverage with optional add-ons such as critical illness and personal accident cover. With cashless treatment at a vast network of hospitals, the plan ensures hassle-free healthcare access.

ICICI Health Protect Plus is a comprehensive health insurance plan designed to provide financial security against medical expenses. It offers extensive coverage, including in-patient hospitalization, pre- and post-hospitalization expenses, daycare treatments, and domiciliary hospitalization. The plan also includes benefits like ambulance cover, annual health check-ups, and alternative treatments under AYUSH. Policyholders can enhance coverage with optional add-ons such as critical illness and personal accident cover. With cashless treatment at a vast network of hospitals, the...

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of ICICI Lombard Insurance Company Limited

Room Rent

ICICI Health Protect Plus offers coverage for room rent, including both normal and ICU hospitalization, without any sub-limits.

Advanced Treatments

Covers advanced treatments, including robotic surgeries, stem cell therapy (if medically necessary), oral chemotherapy, and modern procedures like targeted therapy.

Co-payment

Does not have a mandatory co-payment for most treatments. However, co-payment may apply for senior citizens or specific medical conditions as per policy terms.

Cashless Healthcare Providers

10,896+ hospitals across india

Waiting Period

Initial Waiting Period – 30 days from policy inception, except for accidental injuries.
Pre-Existing Diseases (PED) – Covered after 2 years of continuous policy coverage.
Specified Illnesses & Treatments – A waiting period of 2 years applies to certain listed conditions and procedures.

Daycare Treatment

Covered under the policy.

AYUSH Treatment

Covered under this policy

Room Rent

ICICI Health Protect Plus offers coverage for room rent, including both normal and ICU hospitalization, without any sub-limits.

Advanced Treatments

Covers advanced treatments, including robotic surgeries, stem cell therapy (if medically necessary), oral chemotherapy, and modern procedures like targeted therapy.

Co-payment

Does not have a mandatory co-payment for most treatments. However, co-payment may apply for senior citizens or specific medical conditions as per policy terms.

Exclusions

Any illness, disease, or injury that existed before policy inception is excluded until 48 months of continuous coverage have elapsed.
Medical expenses incurred within the first 30 days from the policy start date are not covered, except those arising from accidents.
Treatment for certain conditions, such as cataract, hernia, hydrocele, and sinusitis, is excluded during the first two years of coverage.
Expenses related to self-inflicted injuries, including suicide attempts, are not covered.
Medical issues arising from the use or abuse of alcohol, drugs, or other intoxicants 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...

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...