Does the plan cover high-cost modern medical treatments and precision surgeries?

Yes, fully. Modern medical tech offers faster recovery times but often comes with a steep price tag. The Health Elite Plus plan covers these advanced procedures up to your full sum insured layout, including:Robotic surgeriesOral chemotherapyStem cell therapy

Are minor day care treatments covered if I don't get admitted overnight?

Absolutely. Medical advancements mean many procedures can wrap up in just a few hours. The plan fully covers daycare treatments requiring less than 24 hours of hospitalization—such as cataract removals, dialysis, or outpatient chemotherapy—allowing you to return home the same day without losing your claim eligibility.

Can I seek alternative healing options like Ayurveda or Homeopathy?

Yes, AYUSH treatments (including Ayurveda, Yoga, Unani, Siddha, and Homeopathy) are eligible for coverage up to your total sum insured. If you prefer a holistic recovery path over standard allopathic care, your expenses will be covered provided the treatment is administered at an accredited quality-care facility or a government-recognized institution.

How does the waiting period affect my coverage?

30 days for all illnesses, 24 months for specific diseases, and 36 months for pre-existing conditions.

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

Earn a no-claim bonus, increasing the sum insured for every claim-free year.

Will my health insurance cover treatment abroad?

Optional international treatment covers available for specified medical conditions and treatments abroad.

OneAssure

Health Insurance

ICICI Lombard

Health Elite Plus

icici lombard health elite plus 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

9

Customer Rating

Policy Brochure

Policy Policy Wording

Get a Quote

97.16

Claim Settlement Ratio

10601

Network Hospitals

9

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: ICICI Lombard Health Insurance

Final Verdict

The Health Elite Plus plan offers extensive coverage, advanced treatments, and global care access. Ideal for individuals seeking high-end healthcare. Optional co-payment lowers premiums, but full coverage may be costly.

About

About ICICI Lombard Health Insurance

Health Elite Plus is a comprehensive health insurance plan offering full coverage for room rent (including ICU) up to the sum insured. It includes advanced treatments like oral chemotherapy, robotic surgeries, and stem cell therapy. Policyholders can opt for 10% or 20% co-payment to lower premiums. The plan provides access to 67,000+ cashless healthcare providers and covers day care procedures. Additionally, it includes AYUSH treatments at government-recognized institutions, ensuring flexible and extensive medical coverage for policyholders.

Health Elite Plus is a comprehensive health insurance plan offering full coverage for room rent (including ICU) up to the sum insured. It includes advanced treatments like oral chemotherapy, robotic surgeries, and stem cell therapy. Policyholders can opt for 10% or 20% co-payment to lower premiums. The plan provides access to 67,000+ cashless healthcare providers and covers day care procedures. Additionally, it includes AYUSH treatments at government-recognized institutions, ensuring flexible and extensive medical coverage for...

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

Advanced Treatments

Oral chemotherapy
Robotic surgeries
Stem cell therapy

Co-payment

Insured can choose 10% or 20% co-payment, allowing cost-sharing for lower premium expenses.

Cashless Healthcare Providers

10,000+ Cashless Healthcare Providers

Waiting Period

Initial Waiting Period: 30 Days
24 months for specific diseases
36 months for pre-existing conditions.

AYUSH Treatment

Coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy at government-recognized institutions.

Room Rent

Normal: Covered Up to Sum Insured
ICU: Covered up to sum insured

Daycare Treatment

Covers procedures requiring less than 24-hour hospitalization, like cataract surgery and chemotherapy.

Advanced Treatments

Oral chemotherapy
Robotic surgeries
Stem cell therapy

Co-payment

Insured can choose 10% or 20% co-payment, allowing cost-sharing for lower premium expenses.

Waiting Period

Initial Waiting Period: 30 Days
24 months for specific diseases
36 months for pre-existing conditions.

Exclusions

Pre-existing conditions are not covered for the first 36 months from policy issuance.
No coverage for any illness (except accidents) during the first 30 days of the policy.
Cosmetic and aesthetic procedures like plastic surgery, cosmetic implants, and weight-loss treatments are excluded unless medically necessary.
Injuries caused by self-inflicted harm, suicide attempts, drug abuse, or alcohol consumption are not covered.
Non-allopathic treatments beyond AYUSH therapies at government-recognized institutions 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...