What is ICICI Lombard Health Insurance?

It is a health insurance plan that covers medical expenses related to hospitalisation, surgeries, and treatments and gives a cashless facility at the hospitals of their partners.

How many hospitals are in ICICI Lombard’s network?

There are more than 10,500 hospital partners in the network of ICICI Lombard Health Insurance in India where one can avail of the cashless treatment.

Can I buy ICICI Lombard Health Insurance online?

Yes, it can be purchased online on the official website or through the authorized insurance partners. The process is simple, and no paperwork is required.

What documents are required for purchasing a policy?

KYC documents (ID proof, address proof), recent photographs, and medical history (if applicable).

What is the minimum and maximum entry age?

The minimum entry age is generally 18 years for adults and 91 days for children. The maximum entry age depends upon the plan, however some offer lifetime renewability.

Does ICICI Lombard Health Insurance cover pre-existing diseases?

Yes, but only after a waiting period (generally 2–4 years, depending on the plan).

Can I cover my family under one policy?

Yes, ICICI Lombard family floater health insurance plans are there for the coverage of husband/wife, children, and sometimes parents.

What is the waiting period for new policies?

Most have a 30-day initial waiting period, during which accidents are covered from day one.

Are maternity and newborn expenses covered?

Maternity and child care coverage are part of certain ICICI Lombard plans after a waiting period or available as an add-on feature.

What is the claim settlement process?

For network hospitals, you can avail a cashless claim by simply presenting your health card and completing the pre-authorization form — we coordinate with the insurer and the hospital. For non-network hospitals, you can submit your bills for reimbursement, and OneAssure will assist you from submission to settlement.

How can I make a cashless claim?

Visit a network hospital, present your health or insurance card, and fill out the pre-authorization form. OneAssure will coordinate with the insurer to ensure your claim is processed smoothly.

What if I get treated at a non-network hospital?

You can still file a reimbursement claim by submitting your bills, prescriptions, discharge summary, and claim forms. OneAssure will guide you and handle the process to make it hassle-free.

Does ICICI Lombard Health Insurance offer tax benefits?

Definitely, the premiums paid are entitled to tax deductions under Section 80D of the Income Tax Act.

Is there a grace period for renewal?

Yes, a grace period (usually 30 days) is definitely provided by ICICI Lombard Health Insurance during which the policy can be renewed even after the expiry date.

How can I renew my policy?

We remind you 60, 30, 15, 7, and 1 day before expiry through Email, WhatsApp, and calls. A secure payment link is shared 45–60 days in advance, letting you renew quickly and without any stress.

What add-ons or riders are available?

ICICI Lombard Health Insurance provides riders such as critical illness cover, personal accident cover, daily hospital cash benefit, and more.

Can I upgrade my coverage at renewal?

Yes! With the underwriter’s approval, you can increase your sum insured or add family members during renewal. OneAssure will guide you through the process and ensure the upgrade is smooth and hassle-free.

Is international treatment covered?

There are a few top plans of ICICI Lombard Health Insurance that allow emergency medical treatments abroad. For more information, contact our expert advisors.

Can I port my health insurance from another insurer to ICICI Lombard?

Yes, as per IRDAI portability rules, you can shift your existing ICICI Lombard Health Insurance policy at renewal without losing continuity benefits. However, there are certain conditions in terms of the min sum insured, pre existing health conditions - so it's advisable to discuss the options with a trusted advisor

OneAssure

Health Insurance

ICICI Lombard

Health Insurance Plans

ICICI Lombard Health Insurance Plans

Get a Quote

97.16%

Claim Settlement Ratio

10,600+

Network Hospitals

7.4

Overall Rating

ICICI Lombard

Our Verdict About ICICI Lombard Health Insurance

ICICI Lombard is a strong contender for those seeking modern health-insurance with advanced features and digital convenience.

What We Like

Covers modern and critical illnesses comprehensively.

High brand trust and quick online servicing.

10600+ hospital network and strong digital claim support.

Wide plan range with global cover and home treatment.

“Anywhere Cashless” feature for treatment at any hospital.

Areas of Improvement

Limited flexibility in low-cost plans.

Regional service consistency varies.

Some policy variants have waiting periods and sub-limits.

High premiums for comprehensive plans.

Mixed reviews on claim processing and transparency.

What We Like

Covers modern and critical illnesses comprehensively.

High brand trust and quick online servicing.

10600+ hospital network and strong digital claim support.

Wide plan range with global cover and home treatment.

“Anywhere Cashless” feature for treatment at any hospital.

Areas of Improvement

Limited flexibility in low-cost plans.

Regional service consistency varies.

Some policy variants have waiting periods and sub-limits.

High premiums for comprehensive plans.

Mixed reviews on claim processing and transparency.

Final Verdict

ICICI Lombard Health Insurance is one of the most reliable choices that offers a strong medical support. The hospital network of ICICI Lombard is extensive, and the claim procedures are quite fast. Along with that, the flexibility of plans also contributes to the good feeling that the insurer is at...

ICICI Lombard Health Insurance is one of the most reliable choices that offers a strong medical support. The hospital network of ICICI Lombard is extensive, and the claim procedures are quite fast. Along with that,...

ICICI Lombard Health Insurance Plans

Smart Super Health	Criti Shield Family Shield	Activate Booster Plan B
Activate Booster Plan A	Health Elite Plus	Elevate
iHealth	Health Booster	Golden Shield
Complete Health Insurance Health Shield

Smart Super Health

Criti Shield Family Shield

Activate Booster Plan B

Activate Booster Plan A

Health Elite Plus

Key Features

Top Product Highlights

Compare the features of the top health insurance products to find the perfect plan for your needs.

Product Name	Room Rent	Coverage Options	Restoration Benefit
Activate Booster Plan B	Single Private Room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category	Available coverage options: ₹10L, 15L, 20L, 25L, 45L, 50L, 85L, 90L, 95L, 1Cr, 3Cr	Not available
Activate Booster Plan A	Single Private Room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category	Available coverage options: ₹10L, 15L, 20L, 25L, 45L, 50L, 85L, 90L, 95L, 1Cr, 3Cr	Not available
Elevate	Single private AC room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category	Available sum insured options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr, ₹3 Cr and unlimited sum insured	Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses
Activate Booster Plan B	Single Private Room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category	Available coverage options: ₹10L, 15L, 20L, 25L, 45L, 50L, 85L, 90L, 95L, 1Cr, 3Cr	Not available
Activate Booster Plan A	Single Private Room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category	Available coverage options: ₹10L, 15L, 20L, 25L, 45L, 50L, 85L, 90L, 95L, 1Cr, 3Cr	Not available
Elevate	Single private AC room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category	Available sum insured options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr, ₹3 Cr and unlimited sum insured	Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

ICICI Lombard

Customer Testimonials

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

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

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

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

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

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

Why Choose ICICI Lombard Health Insurance?

Extensive Hospital Network & Fast Cashless Access

ICICI Lombard offers cashless treatment at over 10,600 network hospitals across India, with approvals within just 60 minutes.

Flexible Plans with Strong Benefits

Enjoy features like unlimited reset benefits, donor expenses coverage, OPD add-ons, and wellness reward points for maintaining good health.

Zero GST & Simple Purchase Process

ICICI Lombard offers 0% GST on health insurance premiums and ensures a smooth, paperless policy purchase and renewal process.

24x7 Support & Hassle-Free Claims

Experience quick online claim settlements, backed by a dedicated in-house support team available round the clock.

Extensive Hospital Network & Fast Cashless Access

ICICI Lombard offers cashless treatment at over 10,600 network hospitals across India, with approvals within just 60 minutes.

Flexible Plans with Strong Benefits

Enjoy features like unlimited reset benefits, donor expenses coverage, OPD add-ons, and wellness reward points for maintaining good health.

Zero GST & Simple Purchase Process

ICICI Lombard offers 0% GST on health insurance premiums and ensures a smooth, paperless policy purchase and renewal process.

24x7 Support & Hassle-Free Claims

Experience quick online claim settlements, backed by a dedicated in-house support team available round the clock.

Documents Required

ID Proof

Aadhar Card, PAN Card, or Passport

Address Proof

Utility Bill or Voter ID

Age Proof

Birth Certificate or Driving License

Photographs

Recent passport-size photos

Income Proof

Required for high cover plans (if applicable)

ID Proof

Aadhar Card, PAN Card, or Passport

Address Proof

Utility Bill or Voter ID

Age Proof

Birth Certificate or Driving License

Photographs

Recent passport-size photos

Income Proof

Required for high cover plans (if applicable)

ICICI Lombard

Claim Settlement Process

Quick and hassle-free claim settlement with dedicated support to ensure timely approvals and smooth hospital experiences

1-5 of 6 Process

ICICI Lombard

Renewal Process

Easily renew your policy online or offline to enjoy uninterrupted health coverage

ICICI Lombard Network Hospitals

10,600+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

10,600+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

ICICI Lombard

Features Comparison

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

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

ICICI Lombard

Need help finding the right health plan?

Our experts offer personalised recommendations tailored to your age, family size, and health profile, ensuring you select the ideal coverage

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.