Are day-to-day daycare procedures covered if an overnight stay isn't needed?

Absolutely. Many medical treatments can now wrap up in a few hours thanks to advanced medical technology. The iHealth plan provides comprehensive coverage for listed daycare procedures requiring less than 24-hour hospitalization, allowing you to finish your treatment and return home the same day without affecting your claim eligibility.

Can I include alternative healing paths like Ayurveda or Homeopathy?

Yes. If you prefer holistic recovery paths over conventional allopathic treatments, the plan includes coverage for AYUSH therapies (Ayurveda, Yoga, Unani, Siddha, and Homeopathy). To process a cashless or reimbursement claim smoothly, the treatment must simply be taken at a government-recognized institution or an accredited quality-care medical facility.

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 9000 network hospitals with sum insured up to ₹50 lakhs.

97.16

Claim Settlement Ratio

9000

Network Hospitals

9

Customer Rating

Policy Brochure

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97.16

Claim Settlement Ratio

9000

Network Hospitals

9

Customer Rating

Policy Brochure

Our Verdict

Expert Review: ICICI Lombard iHealth

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 iHealth

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...

iHealth Ratings

Ratings: ICICI Lombard iHealth

Insurer Rating

8.88

out of 10

Insurance Rating

6.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

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 iHealth

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.

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.

Cashless Healthcare Providers

10,896+ hospitals across india

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

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.

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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...