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

97.16%

Claim Settlement Ratio

9000+

Network Hospitals

0

Customer Rating

Policy Prospectus

Get a Quote

97.16%

Claim Settlement Ratio

9000+

Network Hospitals

0

Customer Rating

Policy Prospectus

Our Verdict

Expert Review: ICICI Lombard iHealth Plus

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 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.

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...

iHealth Plus Ratings

Ratings: ICICI Lombard 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 and Exclusions

Inclusions and Exclusions of ICICI Lombard iHealth Plus

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

Cashless Healthcare Providers

Cashless treatment available at 6500+ network hospitals

Daycare Treatment

Covered

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

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

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...

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...