ICICI Health Protect Plus Plan
ICICI Lombard
Highlighted Features
Room Rent (Normal & ICU)
ICICI Health Protect Plus offers coverage for room rent, including both normal and ICU hospitalization, without any sub-limits.
Advanced treatments
ICICI Health Protect Plus covers advanced treatments, including robotic surgeries, stem cell therapy (if medically necessary), oral chemotherapy, and modern procedures like targeted therapy.
Brochure
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Our Verdict
This plan offers extensive coverage with no room rent limits, global emergency cover, and maternity benefits. Ideal for families and individuals seeking comprehensive, flexible health insurance.
About the Plan
ICICI Health Protect Plus is a comprehensive health insurance plan designed to provide financial security against medical expenses. It offers extensive coverage, including in-patient hospitalization, pre- and post-hospitalization expenses, daycare treatments, and domiciliary hospitalization. The plan also includes benefits like ambulance cover, annual health check-ups, and alternative treatments under AYUSH. Policyholders can enhance coverage with optional add-ons such as critical illness and personal accident cover. With cashless treatment at a vast network of hospitals, the plan ensures hassle-free healthcare access.
About the Plan
Features of the Product
Room Rent
ICICI Health Protect Plus offers coverage for room rent, including both normal and ICU hospitalization, without any sub-limits.
Advanced Treatments
Covers advanced treatments, including robotic surgeries, stem cell therapy (if medically necessary), oral chemotherapy, and modern procedures like targeted therapy.
Co-payment
Does not have a mandatory co-payment for most treatments. However, co-payment may apply for senior citizens or specific medical conditions as per policy terms.
Waiting Period
- Initial Waiting Period – 30 days from policy inception, except for accidental injuries.
- Pre-Existing Diseases (PED) – Covered after 2 years of continuous policy coverage.
- Specified Illnesses & Treatments – A waiting period of 2 years applies to certain listed conditions and procedures.
Cashless Healthcare Providers
10,896+ hospitals across india
Daycare Treatment
Covered under the policy.
AYUSH Treatment
Covered under this policy
Exclusions
Any illness, disease, or injury that existed before policy inception is excluded until 48 months of continuous coverage have elapsed.
Medical expenses incurred within the first 30 days from the policy start date are not covered, except those arising from accidents.
Treatment for certain conditions, such as cataract, hernia, hydrocele, and sinusitis, is excluded during the first two years of coverage.
Expenses related to self-inflicted injuries, including suicide attempts, are not covered.
Medical issues arising from the use or abuse of alcohol, drugs, or other intoxicants are excluded.
Expenses for cosmetic or plastic surgery, unless necessitated by an accident or medically required, are not covered.
Routine dental treatments, eye examinations, and the cost of spectacles or contact lenses are excluded.
Treatment for congenital diseases, defects, or anomalies is not covered.
Medical expenses resulting from war, acts of foreign enemies, or nuclear contamination are not covered.
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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