Health Elite
ICICI Lombard
9.2/10
OneAssure Rating
9.2/10
OneAssure Rating
Highlighted Features
Advanced Treatments
Includes cutting-edge procedures like robotic surgeries, deep brain stimulation, and bronchial thermoplasty for enhanced medical care.
Room Rent (Normal & ICU)
Provides flexibility in hospital room selection with complete cost coverage up to the sum insured.
Brochure
Policy Wording
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Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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.
Cashless Healthcare Providers
Access to over 6,700 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.
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.
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.
Expenses related to fertility treatments, surrogacy, and childbirth outside covered maternity benefits.
Treatment outside India unless the global coverage benefit is included.
Injuries or illnesses caused by participation in illegal activities or war-related events.
Exclusions
Related Variants
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Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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 a strong network of hospitals for cashless treatment. Many of its plans require minimal paperwork and no pre-policy medical check-ups, making it easy for customers to get insured. With digital tools for premium calculation, policy management, and instant claim assistance, ICICI Lombard combines technology with trusted service to make insurance accessible, simple, and dependable for every Indian.
About the Company
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