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%.

Will my health insurance cover treatment abroad?

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

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 10601 network hospitals with sum insured up to ₹50 lakhs.

97.16

Claim Settlement Ratio

10601

Network Hospitals

8.8

Customer Rating

Get a Quote

97.16

Claim Settlement Ratio

10601

Network Hospitals

8.8

Customer Rating

Our Verdict

Expert Review: ICICI Lombard Health Insurance

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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.

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)

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

Cashless Healthcare Providers

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

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)

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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.
Injuries from hazardous sports or professional adventure activities like mountaineering, deep-sea diving, or racing.
War, terrorism, or nuclear exposure-related treatments.
Experimental treatments or unproven procedures without medical backing.

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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...