Ihealth Icici Lombard Plan
ICICI Lombard
9.0/10
OneAssure Rating
9.0/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
The ICICI iHealth Plan offers comprehensive health coverage with no sub-limits on room rent or ICU charges.
Advanced Treatments
The ICICI Lombard iHealth plan covers advanced treatments like robotic surgeries, stem cell therapy, oral chemotherapy, bariatric surgery, and organ transplants.
Brochure
Explore more features
Our Verdict
ICICI iHealth offers comprehensive coverage with add-ons like maternity, critical illness, and air ambulance cover. Ideal for families and individuals seeking customizable health protection, though premiums may increase with add-ons.
About the Plan
ICICI iHealth is a comprehensive health insurance plan designed to provide extensive medical coverage for individuals and families. It offers benefits such as in-patient hospitalization, pre- and post-hospitalization expenses, day care procedures, and domiciliary treatment. The plan includes wellness programs, annual health check-ups, and cashless hospitalization at network hospitals. It also features a No Claim Bonus, increasing the sum insured for every claim-free year. With flexible sum insured options and optional add-ons, ICICI iHealth ensures financial security during medical emergencies.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent
Including in-patient hospitalization expenses such as room rent and ICU charges. Notably, there are no sub-limits on room rent or ICU charges.
Co-payment
Does not have a mandatory co-payment for most policyholders. However, for senior citizens or specific policy variants, a co-payment clause may apply, requiring the insured to bear a percentage of the claim amount.
Cashless Healthcare Providers
10,896+ hospitals across india
Waiting Period
- Initial Waiting Period: 30 days from policy inception, except for accidental claims.
- Pre-existing Diseases (PED): Covered after a waiting period of 36 to 48 months, depending on the plan variant.
- Specific Illnesses: Certain listed conditions, like hernia, cataract, and joint replacement, have a waiting period of 24 to 48 months.
- Maternity Benefits: If applicable, maternity expenses have a waiting period of 9 to 24 months.
Daycare Treatment
Covered under the policy.
AYUSH Treatment
Covered under this policy
Advanced Treatments
ICICI iHealth covers advanced medical treatments, ensuring access to modern healthcare. It includes robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapies, and other cutting-edge procedures.
Exclusions
Pre-existing diseases are not covered until the completion of the waiting period.
Any illness or treatment arising within the first 30 days of policy commencement, except accidents.
Cosmetic or aesthetic treatments, plastic surgery, or weight control procedures unless medically necessary.
Treatment for alcohol or drug abuse, self-inflicted injuries, or suicide attempts.
Infertility treatments, hormone replacement therapy, and assisted reproductive techniques.
Expenses related to dental or oral treatments unless arising from an accident.
Treatment for congenital diseases, external medical devices, and prosthetics not implanted internally.
Injuries or illnesses arising from hazardous activities, adventure sports, or participation in war.
Any hospitalization due to nuclear, biological, or chemical contamination.
Experimental or unproven treatments and procedures not recognized by medical authorities.
Exclusions
Related Variants
Looking for a Specific Hospital ?
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
Still Confused ?
Frequently Asked Questions
Related Blogs
Family Floater Plans: A Quick Overview
How Does Life Insurance Work? Everything You Need to Know Before Buying
Discover how life insurance works in India, including key terms, premium payments, and what happens on claim settlement.
Insurance in 2026: Great for Your Wallet, But What’s Still Missing?
The Union Budget 2026 was just presented by the Finance Minister, and for the first time in years, the "boring" world of insurance has some of the most exciting updates for young earners.
What Is Insurable Interest in Life Insurance and Why Is It Important?
Learn what insurable interest is in life insurance, why it is important, and look at examples of insurable interest. See how it impacts the policies and claims.
Term Insurance Medical Test Fail: Common Mistakes You Should Avoid
What Happens If You Fail a Term Insurance Medical Test? Understanding the Reasons, Next Steps, and How to Improve Your Eligibility
ICICI Elevate vs Care Supreme: Which Health Plan Offers Better Coverage in 2025?
Explore ICICI Elevate vs Care Supreme to find the best health insurance in 2025.
Understanding the Critical Illness List in Insurance Policies
Explore the critical illness list in insurance, key coverage details, and how it helps safeguard your finances against major health risks.
Understanding Mahatma Jyotiba Phule Jan Arogya Yojana: A Comprehensive Guide
Mahatma Jyotiba Phule Jan Arogya Yojana: Eligibility, Enrollment Process & Key Healthcare Benefits
Factors to consider when buying critical illness insurance
Explore the importance of critical illness insurance, how it works, what it covers, and key factors to consider before buying a policy for financial protection.
Top Senior Citizen Health Insurance Schemes by Government of India
Explore government-backed senior citizen health insurance schemes in India, offering cashless hospitalization, financial security, and comprehensive medical coverage.
How to Surrender Your HDFC Life Policy Online and Claim Your Surrender Value?
Learn how to surrender HDFC Life policy online and claim your surrender value in India.
Benefits of Having a Death Insurance Policy
Explore the potential benefits of opting for a death insurance policy in India in 2025.
Pre-Existing Disease in Health Insurance: All You Need to Know Before Buying
.png)
Tips To Choose The Best Health Insurance Plan
How India’s Budget 2026 Could Shape the Future of Insurance - A Young Earner’s Guide.
Let’s break down what the latest Union Budget means for you - not just as a citizen, but as someone earning, planning finances, and thinking seriously about securing your future with insurance.
Making Health Insurance Affordable: Is EMI Really the Best Way?
In India, we’ve mastered the art of the EMI. From the latest iPhone to that fancy fridge, if it has a price tag, it probably has an "Easy Monthly Installment" plan. So, it was only a matter of time before the insurance world caught up.
