What is the waiting period for pre-existing diseases under iHealth Plus?

Pre-existing diseases are covered after 24 months of continuous coverage for most plans. For plans with a Sum Insured of ₹2 lakh, the waiting period is 48 months.

How does the Reset Benefit work?

For plans with Sum Insured of ₹3 lakh and above, the policy restores up to 100% of the Sum Insured once in a policy year if the available coverage becomes insufficient due to previous claims. The restored amount can be used for future unrelated claims.

Does the policy offer cashless hospitalization?

Yes. Cashless treatment is available through more than 6,500 network hospitals. Reimbursement claims are also available where cashless treatment cannot be availed.

What are the wellness benefits available under iHealth Plus?

The policy includes a wellness program that rewards healthy activities, preventive check-ups, fitness participation, and health assessments. Earned wellness points can be redeemed for OPD consultations, medicines, diagnostics, and dental expenses.

OneAssure

Health Insurance

ICICI Lombard

iHealth Plus

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

0

Customer Rating

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97.16

Claim Settlement Ratio

10601

Network Hospitals

0

Customer Rating

Our Verdict

Expert Review: ICICI Lombard Health Insurance

Final Verdict

ICICI Lombard iHealth Plus stands out through its combination of hospitalization cover, OPD benefits, wellness rewards, maternity coverage, and reset benefits, making it suitable for families seeking broad healthcare protection.

About

About ICICI Lombard Health Insurance

ICICI Lombard iHealth Plus is a comprehensive health insurance policy designed to provide hospitalization coverage along with preventive healthcare and wellness-focused benefits. The plan covers inpatient treatment, day care procedures, AYUSH hospitalization, pre and post-hospitalization expenses, maternity benefits, newborn baby cover, outpatient treatment, and wellness rewards. It also offers cumulative bonus benefits, optional critical illness cover, donor expense cover, and a reset benefit for higher sum insured plans. The policy combines traditional hospitalization protection with preventive and outpatient healthcare support.

ICICI Lombard iHealth Plus is a comprehensive health insurance policy designed to provide hospitalization coverage along with preventive healthcare and wellness-focused benefits. The plan covers inpatient treatment, day care procedures, AYUSH hospitalization, pre and post-hospitalization expenses, maternity benefits, newborn baby cover, outpatient treatment, and wellness rewards. It also offers cumulative bonus benefits, optional critical illness cover, donor expense cover, and a reset benefit for higher sum insured plans. The policy combines traditional hospitalization protection with...

Inclusions and Exclusions

Inclusions and Exclusions of ICICI Lombard Insurance Company Limited

Room Rent

Normal Room: No capping — covered up to Sum Insured
ICU Charges: No capping — covered up to Sum Insured

Co-payment

No Co-pay — 100% of admissible claims covered by the insurer

Advanced Treatments

Day Care Procedures
Organ Transplant Related Donor Expenses (Optional Cover)
Critical Illness Cover (Optional Cover)
AYUSH Hospitalisation

Waiting Period

Initial Waiting Period: 30 days
Pre-existing Disease Waiting Period:24 months for plans above ₹2 lakh Sum Insured48 months for ₹2 lakh Sum Insured plans

Daycare Treatment

Covered

Cashless Healthcare Providers

Cashless treatment available at 6500+ network hospitals

AYUSH Treatment

Covered

Room Rent

Normal Room: No capping — covered up to Sum Insured
ICU Charges: No capping — covered up to Sum Insured

Co-payment

No Co-pay — 100% of admissible claims covered by the insurer

Advanced Treatments

Day Care Procedures
Organ Transplant Related Donor Expenses (Optional Cover)
Critical Illness Cover (Optional Cover)
AYUSH Hospitalisation

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Exclusions

Not available

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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...