Will my health insurance cover treatment abroad?

The policy does not cover treatments abroad; only India-based medical expenses are reimbursed.

How does the waiting period affect my coverage?

The policy has a 30-day initial waiting period and 48 months for pre-existing diseases.

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

No-claim years earn a cumulative bonus, increasing the sum insured by 10% annually, up to 50%.

OneAssure

Health Insurance

ICICI Lombard

Smart Super Health

ICICI Smart Super Health Insurance 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

8.8

Customer Rating

Policy Brochure

Policy Policy Wording

Get a Quote

97.16

Claim Settlement Ratio

9000

Network Hospitals

8.8

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: ICICI Lombard Health Insurance

Final Verdict

ICICI Lombard Smart Super Health Insurance offers extensive coverage with sum restoration and AYUSH benefits. Ideal for individuals and families seeking high coverage with comprehensive hospitalization support.

About

About ICICI Lombard Health Insurance

The ICICI Lombard Smart Super Health Insurance Plan offers comprehensive coverage with sum insured options ranging from ₹5 lakh to ₹1 crore. It includes in-patient hospitalization, pre-hospitalization (60 days), post-hospitalization (90 days), day care treatments, and domiciliary hospitalization. The plan features a 100% sum insured restoration benefit and covers alternative treatments under AYUSH. Policyholders can avail cashless treatment across a vast network of hospitals. Pre-existing diseases are covered after a 48-month waiting period.

Smart Super Health Ratings

Smart Super Health

Insurer Rating

0

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 Insurance Company Limited

Co-payment

A co-payment applies in certain cases. If treatment is availed in a higher-tier city while paying a lower-tier premium, a 20% co-payment applies.

Room Rent

Normal: Covered Up to Sum Insured
ICU: Covered Up to Sum Insured

Advanced Treatments

Robotic surgeries
Stem cell therapy
Deep brain stimulation
Bronchial thermoplasty
Intra-operative neuro monitoring (IONM)

Cashless Healthcare Providers

The policy provides access to over 10,000+ network hospitals, ensuring cashless treatment at recognized healthcare facilities.

Waiting Period

Initial Waiting Period: 30 days (except for accidental injuries).
Pre-existing Diseases: Covered after 48 months
Specific Illnesses & Surgical Procedures: 24-month waiting period

Daycare Treatment

Covers all day care procedures requiring hospitalization of less than 24 hours. Treatments such as cataract surgery, chemotherapy, and minor surgical procedures are included.

AYUSH Treatment

Alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) are covered.

Co-payment

A co-payment applies in certain cases. If treatment is availed in a higher-tier city while paying a lower-tier premium, a 20% co-payment applies.

Room Rent

Normal: Covered Up to Sum Insured
ICU: Covered Up to Sum Insured

Advanced Treatments

Robotic surgeries
Stem cell therapy
Deep brain stimulation
Bronchial thermoplasty
Intra-operative neuro monitoring (IONM)

Exclusions

30-day initial waiting period for all claims (except accidents).
24-month waiting period for specific illnesses and surgical procedures.
48-month waiting period for pre-existing diseases.
Self-inflicted injuries, suicide attempts, or injuries due to substance abuse.
Cosmetic or plastic surgeries, unless medically necessary.

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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...