Can I still buy iHealth Plus?

No. The plan is discontinued and cannot be bought as a new policy.

Are pre- and post-hospitalisation expenses covered?

Kindly consult the policy wording for the duration and conditions.

Is there a room rent limit?

No room rent restriction applies under this plan.

How long is the PED waiting period?

Two or four years, depending on the sum insured. Kindly consult the policy schedule.

How do I claim with a cashless facility?

Use your health card at an ICICI Lombard network hospital. Pre-authorisation is subject to the insurer’s approval.

Is maternity covered?

Yes, after a 3-year waiting period. Kindly consult the policy wording for limits.

Is there a co-payment?

No co-payment applies under this plan.

OneAssure

Health Insurance

ICICI Lombard

iHealth Plus

Include maternity after a 3-year wait, newborn cover up to ₹10,000 and an outpatient and wellness allowance, plus a 10% cumulative bonus each claim-free year up to 50% of the sum insured.

97.16%

Claim Settlement Ratio

9,000+

Network Hospitals

6.5/10

Plan Rating

Policy Prospectus

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Our Verdict

Expert Review: ICICI Lombard iHealth Plus

Final Verdict

iHealth Plus is discontinued and is no longer available for new purchase. Its main strengths were maternity cover, no co-payment, no room rent restriction, and lifelong renewability. It suited families who wanted a floater policy with these benefits.Because the plan is discontinued, buyers should review current ICICI Lombard plans before deciding. Existing policyholders should confirm waiting period status, renewal terms, and sublimits with the insurer.

About

What Is iHealth Plus?

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.

iHealth Plus Ratings

iHealth Plus

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

ICICI Lombard iHealth Plus Inclusions

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

Daycare Treatment

Covered

Cashless Healthcare Providers

Cashless treatment available at 6500+ network hospitals

AYUSH Treatment

Covered

Initial Waiting Period

30 days

PED Waiting Period

2 years or 4 years, depending on sum insured

Annual Health Checkup

Free annual health check-up

Outpatient Department Cover (OPD Expense)

Outpatient treatment covered. Kindly consult for limits.

Coverage Options

Individual and floater

Maternity Cover

Covered after a 3-year waiting period

Co-payment

No co-payment

Claim Settlement Ratio

FY 24-25: ~84%

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About the company

About ICICI Lombard

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 a strong network of hospitals for cashless treatment. Many of its plans require minimal paperwork and no pre-policy medical check-ups, making it easy for customers to get insured. With digital tools for premium calculation, policy management, and instant claim assistance, ICICI Lombard combines technology with trusted service to make insurance accessible, simple, and dependable for every Indian.

FAQs

Frequently Asked Questions

Got questions about health insurance? You're not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.