How does the waiting period affect my coverage?

The policy imposes a 30-day initial waiting period for all illnesses, except accidents. Specific diseases and pre-existing conditions have a 24-month waiting period before coverage begins, ensuring gradual eligibility for medical expenses.

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

For each claim-free year, the policy provides a 20% increase in the sum insured, accumulating up to 100% maximum, enhancing financial protection and coverage without additional premium costs.

Will my health insurance cover treatment abroad?

The policy offers global coverage, ensuring financial protection for medical expenses incurred outside India, allowing policyholders to seek international treatment without geographical limitations, subject to policy terms and conditions.

Does ICICI Lombard Health AdvantEdge Plus cover maternity expenses?

Yes, the ICICI Lombard Health AdvantEdge Plus plan offers maternity coverage as an optional add-on.

OneAssure

Health Insurance

ICICI Lombard

Health AdvantEdge Plus

ICICI Lombard Health AdvantEdge 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

9.2

Customer Rating

Policy Policy Wording

Policy Brochure

Get a Quote

97.16

Claim Settlement Ratio

9000

Network Hospitals

9.2

Customer Rating

Policy Policy Wording

Policy Brochure

Our Verdict

Expert Review: ICICI Lombard Health AdvantEdge Plus

Final Verdict

ICICI Lombard Health AdvantEdge offers comprehensive coverage with no room rent limits, unlimited restoration, and maternity benefits. Ideal for families and individuals seeking extensive protection, though optional add-ons may raise premiums.

About

About ICICI Lombard Health AdvantEdge Plus

The ICICI Lombard Health AdvantEdge Plan offers comprehensive coverage with no hospital room rent limit for policies with sums insured of ₹5 lakh or more. It includes unlimited restoration of the sum insured within the policy year, preventive health check-up benefits, and coverage for surrogate mothers and oocyte donors. The plan also provides optional coverage for maternity, critical illnesses, overseas medical expenses, and inflation. Discounts of up to 15% are available, along with coverage for pre-existing diseases after a 2-year waiting period. The Policy Tenure is provided for 1year, 2years,3years. Policyholders can receive a cumulative bonus of up to 100%...

The ICICI Lombard Health AdvantEdge Plan offers comprehensive coverage with no hospital room rent limit for policies with sums insured of ₹5 lakh or more. It includes unlimited restoration of the sum insured within the policy year, preventive health check-up benefits, and coverage for surrogate mothers and oocyte donors. The plan also provides optional coverage for maternity, critical illnesses, overseas medical expenses, and inflation. Discounts of up to 15% are available, along with coverage for...

Plus Ratings

Ratings: ICICI Lombard Plus

Insurer Rating

8.88

out of 10

Insurance Rating

10

out of 10

No Room Rent Limit

Yes

Consumables Covered

Yes

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

Yes

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

Yes

Waiting Period Waiver

Yes

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 Health AdvantEdge Plus

Room Rent

Normal: No Limit
ICU: No Limit If the sum insured health insurance policy is Rs.5 Lakh or above.

Advanced Treatments

Oral Chemotherapy
Robotic Surgeries
Stem Cell Therapy

Co-payment

Co payment is applicable as chosen by the insured.
It allows the insured to opt for 10% or 20% co-payment.

Cashless Healthcare Providers

10,000+ Healthcare Providers across India

Waiting Period

Initial Waiting period is 30 Days

Daycare Treatment

Covered. Requires hospitalization of more than 24 Hours.

AYUSH Treatment

AYUSH is covered up to Sum Insured.

Room Rent

Normal: No Limit
ICU: No Limit If the sum insured health insurance policy is Rs.5 Lakh or above.

Advanced Treatments

Oral Chemotherapy
Robotic Surgeries
Stem Cell Therapy

Co-payment

Co payment is applicable as chosen by the insured.
It allows the insured to opt for 10% or 20% co-payment.

Exclusions

Injuries or diseases resulting from war, invasion, acts of foreign enemies, civil unrest, or similar events are excluded.
Illnesses or injuries due to nuclear, chemical, or biological attacks or weapons are not covered under the policy.
Expenses for prostheses, corrective devices, and external durable medical equipment like wheelchairs and crutches are excluded, unless necessitated by an accident.
Treatments such as acupressure, acupuncture, magnetic therapies, and other non-allopathic treatments are not covered by the policy.
Procedures aimed at enhancing appearance, including plastic surgery, unless medically necessary due to injury or illness, are excluded.

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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...