Are advanced modern surgeries and high-tech treatments covered?

Absolutely. The Health Elite plan ensures you have financial access to cutting-edge medical precision. It provides coverage up to your approved sum insured layout for advanced modern treatments, including:Robotic SurgeriesStem Cell TherapyOral ChemotherapyDeep Brain StimulationBronchial ThermoplastyIntra Operative Neuro Monitoring (IONM)

Can I seek alternative or non-allopathic medical treatments?

Yes, AYUSH treatments (including Ayurveda, Yoga, Unani, Siddha, and Homeopathy) are eligible for coverage under this policy. If you prefer a holistic healthcare route, your expenses will be covered provided the treatment is undertaken at a government-recognized institution or an accredited quality-care facility.

How does the waiting period affect my coverage?

Health Elite Policy has a 30-day initial, 24-month specific disease, and 36-month pre-existing conditions waiting period.

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

Health Elite Policy offers a cumulative bonus, increasing the sum insured for every claim-free year.

Will my health insurance cover treatment abroad?

Health Elite Policy provides optional worldwide coverage, allowing international treatment if this benefit is selected.

OneAssure

Health Insurance

ICICI Lombard

Health Elite

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 Brochure

Policy Policy Wording

Get a Quote

97.16%

Claim Settlement Ratio

9000+

Network Hospitals

9.2

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: ICICI Lombard Health Elite

Final Verdict

ICICI Lombard Health Elite offers broad coverage up to ₹50 lakh with maternity, OPD, and global treatment options. Ideal for families and individuals seeking extensive, flexible health protection, though premiums may rise with add-ons.

About

About ICICI Lombard Health Elite

The Health Elite plan by ICICI Lombard offers comprehensive health coverage with sum insured options ranging from ₹3 lakh to ₹50 lakh. It includes in-patient treatment, pre- and post-hospitalization expenses, day care procedures, emergency services, and donor expenses. Additional benefits encompass maternity coverage and outpatient treatment extensions. Policyholders can also access a vast network of over 6,700 cashless healthcare providers, ensuring quality medical care without financial strain. This plan is designed to provide extensive protection against various medical expenses, catering to diverse healthcare needs.

The Health Elite plan by ICICI Lombard offers comprehensive health coverage with sum insured options ranging from ₹3 lakh to ₹50 lakh. It includes in-patient treatment, pre- and post-hospitalization expenses, day care procedures, emergency services, and donor expenses. Additional benefits encompass maternity coverage and outpatient treatment extensions. Policyholders can also access a vast network of over 6,700 cashless healthcare providers, ensuring quality medical care without financial strain. This plan is designed to provide extensive protection...

Health Elite Ratings

Ratings: ICICI Lombard Health Elite

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

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 Elite

Advanced Treatments

Stem Cell Therapy
Robotic Surgeries
Oral Chemotherapy
Deep Brain Stimulation
Bronchial Thermoplasty
Intra Operative Neuro Monitoring (IONM)

Co-payment

Policyholders can opt for a co-payment of 10% or 20%, sharing a fixed percentage of the claim amount, which can help reduce premium costs.

Cashless Healthcare Providers

Access to over 6,700 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.

Waiting Period

Initial Waiting Period: 30 days from policy inception for all illnesses, except accidents.
Specific Diseases: 24-month waiting period for certain specified conditions.
Pre-existing Conditions: Coverage begins after a 36-month waiting period.

Daycare Treatment

Covers medical procedures requiring less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.

AYUSH Treatment

Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.

Advanced Treatments

Stem Cell Therapy
Robotic Surgeries
Oral Chemotherapy
Deep Brain Stimulation
Bronchial Thermoplasty
Intra Operative Neuro Monitoring (IONM)

Co-payment

Policyholders can opt for a co-payment of 10% or 20%, sharing a fixed percentage of the claim amount, which can help reduce premium costs.

Waiting Period

Initial Waiting Period: 30 days from policy inception for all illnesses, except accidents.
Specific Diseases: 24-month waiting period for certain specified conditions.
Pre-existing Conditions: Coverage begins after a 36-month waiting period.

Exclusions

Pre-existing conditions within the waiting period of 36 months.
Cosmetic or aesthetic procedures unless medically necessary due to injury.
Injuries caused by hazardous activities or self-inflicted harm.
Treatments for substance abuse, alcohol dependency, or related complications.
Non-allopathic treatments (except AYUSH) and experimental procedures not recognized by medical authorities.

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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...