How does the waiting period affect my coverage?

The ICICI iHealth plan includes a 30-day waiting period for general illnesses, 48 months for pre-existing conditions, and 24 months for specific diseases.

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

If no claims are made, the ICICI iHealth plan offers a No Claim Bonus, increasing your sum insured for added future coverage.

Does the ICICI iHealth plan cover treatment abroad?

The ICICI iHealth plan primarily covers treatments within India. Some add-ons may provide limited international coverage for medical emergencies.

OneAssure

Health Insurance

ICICI Lombard

iHealth

Ihealth Icici Lombard 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

ICICI iHealth offers comprehensive coverage with add-ons like maternity, critical illness, and air ambulance cover. Ideal for families and individuals seeking customizable health protection, though premiums may increase with add-ons.

About

About ICICI Lombard Health Insurance

ICICI iHealth is a comprehensive health insurance plan designed to provide extensive medical coverage for individuals and families. It offers benefits such as in-patient hospitalization, pre- and post-hospitalization expenses, day care procedures, and domiciliary treatment. The plan includes wellness programs, annual health check-ups, and cashless hospitalization at network hospitals. It also features a No Claim Bonus, increasing the sum insured for every claim-free year. With flexible sum insured options and optional add-ons, ICICI iHealth ensures financial security during medical emergencies.

ICICI iHealth is a comprehensive health insurance plan designed to provide extensive medical coverage for individuals and families. It offers benefits such as in-patient hospitalization, pre- and post-hospitalization expenses, day care procedures, and domiciliary treatment. The plan includes wellness programs, annual health check-ups, and cashless hospitalization at network hospitals. It also features a No Claim Bonus, increasing the sum insured for every claim-free year. With flexible sum insured options and optional add-ons, ICICI iHealth ensures...

Inclusions and Exclusions

Inclusions and Exclusions of ICICI Lombard Insurance Company Limited

Room Rent

Including in-patient hospitalization expenses such as room rent and ICU charges. Notably, there are no sub-limits on room rent or ICU charges.

Co-payment

Does not have a mandatory co-payment for most policyholders. However, for senior citizens or specific policy variants, a co-payment clause may apply, requiring the insured to bear a percentage of the claim amount.

Cashless Healthcare Providers

10,896+ hospitals across india

Waiting Period

Initial Waiting Period: 30 days from policy inception, except for accidental claims.
Pre-existing Diseases (PED): Covered after a waiting period of 36 to 48 months, depending on the plan variant.
Specific Illnesses: Certain listed conditions, like hernia, cataract, and joint replacement, have a waiting period of 24 to 48 months.
Maternity Benefits: If applicable, maternity expenses have a waiting period of 9 to 24 months.

Daycare Treatment

Covered under the policy.

AYUSH Treatment

Covered under this policy

Advanced Treatments

ICICI iHealth covers advanced medical treatments, ensuring access to modern healthcare. It includes robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapies, and other cutting-edge procedures.

Room Rent

Including in-patient hospitalization expenses such as room rent and ICU charges. Notably, there are no sub-limits on room rent or ICU charges.

Co-payment

Does not have a mandatory co-payment for most policyholders. However, for senior citizens or specific policy variants, a co-payment clause may apply, requiring the insured to bear a percentage of the claim amount.

Cashless Healthcare Providers

10,896+ hospitals across india

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Exclusions

Pre-existing diseases are not covered until the completion of the waiting period.
Any illness or treatment arising within the first 30 days of policy commencement, except accidents.
Cosmetic or aesthetic treatments, plastic surgery, or weight control procedures unless medically necessary.
Treatment for alcohol or drug abuse, self-inflicted injuries, or suicide attempts.
Infertility treatments, hormone replacement therapy, and assisted reproductive techniques.
Expenses related to dental or oral treatments unless arising from an accident.
Treatment for congenital diseases, external medical devices, and prosthetics not implanted internally.
Injuries or illnesses arising from hazardous activities, adventure sports, or participation in war.

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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...