What does ICICI Lombard Health Insurance Coverage include?

ICICI Lombard Health Insurance Coverage includes hospitalization expenses, day-care procedures, pre- and post-hospitalization care, ambulance services, and modern treatments. Coverage varies by plan, allowing you to choose protection that fits your family’s medical needs.

What makes ICICI Lombard Health Insurance Benefits unique?

ICICI Lombard Health Insurance Benefits stand out due to its wide hospital network, fast claim approvals, digital policy features, preventive care options, and customizable add-ons that allow customers to personalize coverage for broader protection.

Are pre-existing diseases covered?

Yes, pre-existing diseases are covered under ICICI Lombard Health Insurance Coverage after serving the applicable waiting period. This ensures long-term protection and support for individuals with existing medical conditions needing ongoing treatment.

Is cashless treatment available?

ICICI Lombard offers cashless treatment across 10,600+ network hospitals. You simply show your health card, verify details at the insurance desk, and receive treatment without paying upfront for covered medical expenses.

Are day-care procedures included?

Yes, ICICI Lombard Health Insurance Coverage includes numerous day-care procedures like dialysis, chemotherapy, and minor surgeries. These procedures do not require 24-hour admission, offering convenience and wider medical coverage.

What is not covered in ICICI Lombard Health Insurance?

Exclusions generally include cosmetic treatments, dental or vision correction (unless covered), infertility care, self-inflicted injuries, and health issues due to alcohol or drug misuse, ensuring claims remain focused on medically necessary expenses.

Does the plan offer maternity coverage?

Some ICICI Lombard plans provide maternity and newborn coverage with a set waiting period. These ICICI Lombard Health Insurance Benefits help manage pregnancy-related medical costs and early child care expenses

Are preventive health checkups included?

Yes, many ICICI Lombard policies include free preventive checkups. These ICICI Lombard Health Insurance Benefits help detect health issues early, track wellness progress, and encourage policyholders to stay proactive about their health.

How does the No-Claim Bonus work?

ICICI Lombard offers a No-Claim Bonus that increases your sum insured each claim-free year. This boosts your ICICI Lombard Health Insurance Coverage without raising premiums, providing stronger financial protection over time.

Is ambulance cover included?

Yes, emergency ambulance cover is part of ICICI Lombard Health Insurance Coverage. It ensures quick medical transport during emergencies, helping policyholders receive timely treatment without worrying about additional expenses.

Can I include family members in the policy?

You can add your spouse, children, parents, and in-laws under family floater or individual plans. This flexibility allows families to enjoy shared ICICI Lombard Health Insurance Benefits at affordable premiums.

Are modern treatments like robotic surgery covered?

Many ICICI Lombard plans cover advanced, modern treatments like robotic surgery and organ transplant-related procedures. These ICICI Lombard Health Insurance Benefits ensure access to high-end medical care when needed.

What are the waiting periods?

ICICI Lombard Health Insurance Coverage includes different waiting periods—30 days initially, specific illness waiting periods, and PED waiting periods. Some benefits like maternity have longer timelines before claims become eligible.

Can I increase my coverage later?

Yes, you can enhance ICICI Lombard Health Insurance Coverage by raising the sum insured or adding riders during renewal. Approval depends on underwriting, making it important to request upgrades while healthy.

What documents are required for reimbursement claims?

For reimbursement, submit hospital bills, prescriptions, discharge summary, diagnostic reports, and a filled claim form. These documents help ICICI Lombard process claims smoothly and ensure timely settlement of approved expenses.

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97.16%

Claim Settlement Ratio

10600+

Network Hospitals

30 Mins

Cashless Claim Processing

97.16%

Claim Settlement Ratio

10600+

Network Hospitals

30 Mins

Cashless Claim Processing

ICICI Lombard Health Insurance & Coverage Benefits

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

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

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

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

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

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

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

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

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

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family…always been available to assist with any insurance/claim queries.

Nakul N

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance. All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

verdict

Our Verdict: ICICI Lombard Health Insurance Coverage

Pros

Quick cashless approvals in 60 minutes.

Flexible plans with add-ons like OPD and top-up.

10,600+ network hospitals for cashless treatment.

Affordable plans starting ₹20/day.

Cons

Mixed customer support experiences.

Waiting periods for pre-existing conditions.

OPD coverage has sub-limits.

Renewal premiums can rise with age/claims.

Final Verdict

ICICI Lombard Health Insurance offers a versatile range of plans suitable for both basic and high-end healthcare needs. Its affordability, extensive hospital network, flexible coverage options, and quick cashless approvals make it an attractive choice for individuals and families. Plans like Elevate and Max Protect, along with BeFit and top-up...

ICICI Lombard Health Insurance offers a versatile range of plans suitable for both basic and high-end healthcare needs. Its affordability, extensive hospital network, flexible coverage options, and quick cashless approvals make it an attractive choice...

Key Coverages & Benefits Offered Under ICICI Lombard Health Insurance

Get a clear understanding of what ICICI Lombard Health Insurance covers and what it doesn’t, so you can choose your plan with complete confidence.

Inclusions

Includes OPD visits, diagnostics, medicines, and wellness rewards.

Covers 20+ critical illnesses (select plans).

Offers cashless care at 10,600+ hospitals.

Covers daycare procedures like dialysis and chemotherapy.

Includes tests and treatment before/after hospitalization.

Covers room rent, ICU, doctor fees, and medicines.

Exclusions

Alternative medicine treatments not covered by the policy.

Routine check-ups (unless covered under OPD add-on).

Pre-existing illnesses during the waiting period.

Injuries from alcohol/drug abuse.

Self-inflicted injuries or suicide attempts.

Experimental or unproven therapies.

Cosmetic or aesthetic treatments.

Inclusions

Includes OPD visits, diagnostics, medicines, and wellness rewards.

Covers 20+ critical illnesses (select plans).

Offers cashless care at 10,600+ hospitals.

Covers daycare procedures like dialysis and chemotherapy.

Includes tests and treatment before/after hospitalization.

Covers room rent, ICU, doctor fees, and medicines.

Exclusions

Alternative medicine treatments not covered by the policy.

Routine check-ups (unless covered under OPD add-on).

Pre-existing illnesses during the waiting period.

Injuries from alcohol/drug abuse.

Self-inflicted injuries or suicide attempts.

Experimental or unproven therapies.

Cosmetic or aesthetic treatments.

Claims Process

How to file ICICI Lombard claims?

ICICI Lombard Health Insurance & Coverage Benefits

How Coverage and Benefits Vary in ICICI Lombard Health Insurance

Plan Type & Coverage Structure

ICICI Lombard offers both individual and family floater plans, and the coverage varies depending on which one you choose. Individual plans focus on one person, while floater plans extend shared coverage to the entire family, making protection broader and more economical.

Benefit Level Based on Plan Variant

Different plan tiers come with different benefits. Basic plans cover hospitalization and daycare procedures, while higher variants add OPD care, diagnostics, wellness rewards, maternity benefits, and enhanced room eligibility for a more comprehensive experience.

Customization Through Add-Ons & Sum Insured

Coverage also varies depending on the sum insured and optional add-ons you select. You can boost your policy with riders like critical illness cover, consumables protection, teleconsultations, and accident cover, ensuring wider financial protection during major medical events.

Plan Type & Coverage Structure

ICICI Lombard offers both individual and family floater plans, and the coverage varies depending on which one you choose. Individual plans focus on one person, while floater plans extend shared coverage to the entire family, making protection broader and more economical.

Benefit Level Based on Plan Variant

Different plan tiers come with different benefits. Basic plans cover hospitalization and daycare procedures, while higher variants add OPD care, diagnostics, wellness rewards, maternity benefits, and enhanced room eligibility for a more comprehensive experience.

Customization Through Add-Ons & Sum Insured

Coverage also varies depending on the sum insured and optional add-ons you select. You can boost your policy with riders like critical illness cover, consumables protection, teleconsultations, and accident cover, ensuring wider financial protection during major medical events.

How to Choose

How to Choose the Right Health Insurance Coverage

What is the Waiting Period in ICICI Lombard Health Insurance?

A waiting period is the mandatory time you must wait after purchasing your ICICI Lombard health insurance policy before certain treatments, illnesses, or benefits become claimable. During this time, you cannot file a claim for those specific conditions, even if they occur.

Initial Waiting Period

Most treatments have a 30-day initial waiting period, except accidental hospitalisation, which is covered from day one.

Pre-Existing Disease (PED) Waiting Period

Depending on the plan, pre-existing conditions may have a waiting period of 24 to 48 months of continuous coverage before claims are allowed.

Specified Disease/Procedure Waiting Period

Treatments like cataract, hernia, knee surgery, and LASIK may carry a waiting period of 12 to 36 months based on the policy variant.

Maternity Waiting Period

For plans offering maternity cover, waiting periods typically range from 9 months to several years before maternity expenses can be claimed.

Initial Waiting Period

Most treatments have a 30-day initial waiting period, except accidental hospitalisation, which is covered from day one.

Pre-Existing Disease (PED) Waiting Period

Depending on the plan, pre-existing conditions may have a waiting period of 24 to 48 months of continuous coverage before claims are allowed.

Specified Disease/Procedure Waiting Period

Treatments like cataract, hernia, knee surgery, and LASIK may carry a waiting period of 12 to 36 months based on the policy variant.

Maternity Waiting Period

For plans offering maternity cover, waiting periods typically range from 9 months to several years before maternity expenses can be claimed.

Diseases Covered/not Covered

Diseases Covered/Not Covered Under ICICI Lombard Health Insurance

Diseases Covered

Daycare Treatment Diseases

Maternity & Newborn Care (Select Plans)

Infectious Diseases

Accidental Injuries

Critical Illnesses (Plan/Addon-Specific)

Lifestyle Diseases

Chronic Conditions (After Waiting Period)

General Illnesses & Medical Conditions

Diseases Not Covered

Non-Allopathic & Experimental Treatments

Congenital External Diseases

Dental, Vision & Hearing Corrections

Infertility & Reproductive Treatments

Diseases in the Waiting Period

Self-Inflicted Injuries & Substance Abuse Conditions

Cosmetic, Aesthetic & Weight-Loss Procedures

STD, HIV & AIDS-Related Conditions

Diseases Covered

Daycare Treatment Diseases

Maternity & Newborn Care (Select Plans)

Infectious Diseases

Accidental Injuries

Critical Illnesses (Plan/Addon-Specific)

Lifestyle Diseases

Chronic Conditions (After Waiting Period)

Diseases Not Covered

Non-Allopathic & Experimental Treatments

Congenital External Diseases

Dental, Vision & Hearing Corrections

Infertility & Reproductive Treatments

Diseases in the Waiting Period

Self-Inflicted Injuries & Substance Abuse Conditions

Cosmetic, Aesthetic & Weight-Loss Procedures

Pre-existing Diseases

Pre-Existing Diseases Covered Under ICICI Lombard Health Insurance

Diabetes (Type 1 & Type 2)

Covers complications like neuropathy, retinopathy, kidney issues, and hospitalisation due to high/low sugar.

Hypertension (High Blood Pressure)

Includes treatments for heart-related issues, stroke risk, and BP-related complications.

Thyroid Disorders

Both hypothyroidism and hyperthyroidism treatment expenses are covered.

Asthma & Chronic Respiratory Diseases

Covers COPD, chronic bronchitis, and recurring asthma attacks.

Heart Diseases

Cardiac conditions like coronary artery disease, heart failure, and post-angioplasty care (after waiting period).

Arthritis & Joint Disorders

Rheumatoid arthritis, osteoarthritis, and other inflammatory joint diseases.

Chronic Kidney Disease

Includes treatment of kidney infections, dialysis (as per plan), and kidney-related hospitalisation.

Liver Disorders

Fatty liver, early-stage liver disease, and other chronic liver conditions (excluding alcohol-induced).

Gastric & Digestive Disorders

Chronic acidity, GERD, IBS, and other long-term digestive conditions.

Anemia & Other Blood Disorders

Covers treatments related to chronic anemia or long-term blood-related diseases.

Mental Health Conditions

Covers psychiatric illnesses depending on plan terms (after PED waiting period).

Autoimmune Diseases

Conditions like lupus, psoriasis, or multiple sclerosis (plan-specific).

Diabetes (Type 1 & Type 2)

Covers complications like neuropathy, retinopathy, kidney issues, and hospitalisation due to high/low sugar.

Hypertension (High Blood Pressure)

Includes treatments for heart-related issues, stroke risk, and BP-related complications.

Thyroid Disorders

Both hypothyroidism and hyperthyroidism treatment expenses are covered.

Asthma & Chronic Respiratory Diseases

Covers COPD, chronic bronchitis, and recurring asthma attacks.

Heart Diseases

Cardiac conditions like coronary artery disease, heart failure, and post-angioplasty care (after waiting period).

Arthritis & Joint Disorders

Rheumatoid arthritis, osteoarthritis, and other inflammatory joint diseases.

Chronic Kidney Disease

Includes treatment of kidney infections, dialysis (as per plan), and kidney-related hospitalisation.

Liver Disorders

Fatty liver, early-stage liver disease, and other chronic liver conditions (excluding alcohol-induced).

Gastric & Digestive Disorders

Chronic acidity, GERD, IBS, and other long-term digestive conditions.

Anemia & Other Blood Disorders

Covers treatments related to chronic anemia or long-term blood-related diseases.

Mental Health Conditions

Covers psychiatric illnesses depending on plan terms (after PED waiting period).

Autoimmune Diseases

Conditions like lupus, psoriasis, or multiple sclerosis (plan-specific).

Customize Plan Options

How to Customize ICICI Lombard Health Insurance for Maximum Coverage

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ICICI Lombard Health Insurance & Coverage Benefits

Related Health Insurance Plans

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Coverage & Benefits

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