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.

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 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

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.

What documents are required for purchasing a policy?

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

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 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).

What is the waiting period for new policies?

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

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.

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.

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.

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.

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.

OneAssure

Health Insurance

ICICI Lombard

ICICI Lombard Health Insurance

Get a Quote

97.16%

Claim Settlement Ratio

10,600+

Network Hospitals

7.4

Overall Rating

ICICI Lombard Health Insurance

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

Top ICICI Lombard Plans

Health AdvantEdge Plus

Get an annual health check-up with hassle free cashless claim.
Pay city-based premiums with no zone-based copayments.
Enjoy worldwide coverage for both planned and emergency treatments.

Most Popular

Elevate

AYUSH and wellness rewards included
Cashless treatment at network hospitals
Ideal for individuals and families

Health AdvantEdge Plus

Get an annual health check-up with hassle free cashless claim.
Pay city-based premiums with no zone-based copayments.
Enjoy worldwide coverage for both planned and emergency treatments.

Most Popular

Elevate

AYUSH and wellness rewards included
Cashless treatment at network hospitals
Ideal for individuals and families

ICICI Lombard Health Insurance

Other ICICI Lombard Plans

Activate Booster Plan B

Compassionate travel assistance up to ₹20,000
Home nursing support at ₹2,000 per day for 10 days
Cashless health check-ups worth up to ₹5,000

Complete Health Insurance Health Protect Plus Plan

Flexibly receive your benefits as a one-time payout, regular monthly income over 10 years, or a combination of both to suit your lifestyle.
Access tailored benefits for women, including accelerated support for critical illnesses.
Secure your future with coverage for death, terminal illness, and disability.

Health Elite

Pre-existing conditions covered after just 2 years.
Built-in Claim Protector ensures hassle-free claims
Enjoy comprehensive family health coverage with maternity benefits and protection for your newborn.

Health Booster

Coverage up to ₹50 lakh with affordable premiums
Fast cashless approval within 60 minutes at network hospitals
Ideal for individuals and families seeking extra protection

Activate Booster Plan A

Enjoy high coverage with an affordable premium
Flexible family floater option (add your loved ones anytime)
Seamlessly compatible with any existing health policy

Activate Booster Plan B

Compassionate travel assistance up to ₹20,000
Home nursing support at ₹2,000 per day for 10 days
Cashless health check-ups worth up to ₹5,000

Complete Health Insurance Health Protect Plus Plan

Flexibly receive your benefits as a one-time payout, regular monthly income over 10 years, or a combination of both to suit your lifestyle.
Access tailored benefits for women, including accelerated support for critical illnesses.
Secure your future with coverage for death, terminal illness, and disability.

Health Elite

Pre-existing conditions covered after just 2 years.
Built-in Claim Protector ensures hassle-free claims
Enjoy comprehensive family health coverage with maternity benefits and protection for your newborn.

Health Booster

Coverage up to ₹50 lakh with affordable premiums
Fast cashless approval within 60 minutes at network hospitals
Ideal for individuals and families seeking extra protection

Activate Booster Plan A

Enjoy high coverage with an affordable premium
Flexible family floater option (add your loved ones anytime)
Seamlessly compatible with any existing health policy

ICICI Lombard Health Insurance

About ICICI Lombard

ICICI Lombard Health Insurance

ICICI Lombard Rating

Overall Rating

7.4

out of 10

Solvency

3.3/4

ICR

2/3

Growth

2.1/3

Performance Index

Gross Direct Premium

ICICI Lombard

7116.74Cr

Industry Average

1905.12Cr

ICR%

ICICI Lombard

78.85%

Industry Average

83.49%

ICICI Lombard

Industry Average

Overall Rating

7.4

out of 10

Solvency

3.3/4

ICR

2/3

Growth

2.1/3

Performance Index

Gross Direct Premium

ICICI Lombard

7116.74Cr

Industry Average

1905.12Cr

ICICI Lombard

Industry Average

Performance Index

ICR%

ICICI Lombard

78.85%

Industry Average

83.49%

ICICI Lombard

Industry Average

ICICI Lombard Health Insurance

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

ICICI Lombard Health Insurance

Pros and Cons

Pros

Covers room rent, ICU, doctor’s fees, surgeries, and medicines.
Includes 4000+ day-care procedures without 24-hour hospitalisation.
Medical expenses before and after hospitalisation are covered.
Covers Ayurveda, Yoga, Unani, Siddha, and Homeopathy therapies.
Road/air ambulance and organ donor expenses are included.
Lump sum or treatment costs for major illnesses like cancer, Aplastic Anaemia, Refractory Heart Failure, and others.
Plans up to ₹1 Crore for major surgeries or treatments.

Cons

Premiums are higher for full coverage plans.
Some delays in claim approvals reported.
Long waiting periods for pre-existing diseases.
Limited flexibility in plan upgrades.

Pros

Covers room rent, ICU, doctor’s fees, surgeries, and medicines.
Includes 4000+ day-care procedures without 24-hour hospitalisation.
Medical expenses before and after hospitalisation are covered.
Covers Ayurveda, Yoga, Unani, Siddha, and Homeopathy therapies.
Road/air ambulance and organ donor expenses are included.
Lump sum or treatment costs for major illnesses like cancer, Aplastic Anaemia, Refractory Heart Failure, and others.
Plans up to ₹1 Crore for major surgeries or treatments.

Cons

Premiums are higher for full coverage plans.
Some delays in claim approvals reported.
Long waiting periods for pre-existing diseases.
Limited flexibility in plan upgrades.

ICICI Lombard Health Insurance

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

ICICI Lombard Types

Individual Health Insurance

Individual Health Insurance is a plan that is meant to cover only one person. It is an excellent method of protection if you are the only one concerned and you do not want to include your family. For example, if you are single and working as a professional or studying, then this package will ensure that your hospital bills, doctor visits, and treatments will be covered without any cuts from your insurance plan.

Family Floater Health Insurance

A Family Floater plan provides coverage for your entire family from one single sum insured. Any family member is free to use the amount when the need arises. This is simple, convenient, and cost-effective. For example, if your wife needs to be operated on and your child is going to the doctor for a fever, then surgery and treatment can be done with the help of the same policy.

Critical Illness Cover

Critical Illness Insurance can cover the insured with a large amount if the latter is diagnosed with cancer, a heart attack, or kidney failure. So the individual can focus on getting better while the money can be used for treatment, buying the necessary medicines, or even meeting household expenses.

Group Health Insurance

Group Health Insurance is a product designed to cover the medical needs of the employees of a company, a startup, or an organization. It assures employees that they will receive the necessary medical support at a low cost that is affordable for the employer.

Top-Up & Super Top-Up Plans

Top-Up and Super Top-Up plans are like additional protection for your health. In cases where the main health insurance limit has been reached, these plans will cover all the other hospital costs. For instance, if your base policy is for ₹5 lakh and you get a surgery of ₹12 lakh, then the Super Top-Up plan can cover the rest of ₹7 lakh for you.

Senior Citizen Plans

Health Insurance for Senior Citizens have been tailor-made for senior citizens as their medical requirements tend to be the highest. Such plans not only provide coverage for hospitalisation or surgeries but also for various other medical expenses that are related to the main ailment in a hassle-free manner.

Personal Accident Insurance

Personal Accident Insurance provides financial support in case of accidents causing injury, disability, or death. It helps pay hospital bills, treatment costs, and compensates for loss of income, giving families peace of mind during emergencies.

Individual Health Insurance

Individual Health Insurance is a plan that is meant to cover only one person. It is an excellent method of protection if you are the only one concerned and you do not want to include your family. For example, if you are single and working as a professional or studying, then this package will ensure that your hospital bills, doctor visits, and treatments will be covered without any cuts from your insurance plan.

Family Floater Health Insurance

A Family Floater plan provides coverage for your entire family from one single sum insured. Any family member is free to use the amount when the need arises. This is simple, convenient, and cost-effective. For example, if your wife needs to be operated on and your child is going to the doctor for a fever, then surgery and treatment can be done with the help of the same policy.

Critical Illness Cover

Critical Illness Insurance can cover the insured with a large amount if the latter is diagnosed with cancer, a heart attack, or kidney failure. So the individual can focus on getting better while the money can be used for treatment, buying the necessary medicines, or even meeting household expenses.

Group Health Insurance

Group Health Insurance is a product designed to cover the medical needs of the employees of a company, a startup, or an organization. It assures employees that they will receive the necessary medical support at a low cost that is affordable for the employer.

Top-Up & Super Top-Up Plans

Top-Up and Super Top-Up plans are like additional protection for your health. In cases where the main health insurance limit has been reached, these plans will cover all the other hospital costs. For instance, if your base policy is for ₹5 lakh and you get a surgery of ₹12 lakh, then the Super Top-Up plan can cover the rest of ₹7 lakh for you.

Senior Citizen Plans

Health Insurance for Senior Citizens have been tailor-made for senior citizens as their medical requirements tend to be the highest. Such plans not only provide coverage for hospitalisation or surgeries but also for various other medical expenses that are related to the main ailment in a hassle-free manner.

Personal Accident Insurance

Personal Accident Insurance provides financial support in case of accidents causing injury, disability, or death. It helps pay hospital bills, treatment costs, and compensates for loss of income, giving families peace of mind during emergencies.

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 Health Insurance

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 Health Insurance

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 Health Insurance

Features Comparison

Senior Citizen Health Plan

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

Most Popular

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

Most Popular

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 Health Insurance

How to Buy ICICI Lombard?

Follow these simple steps to purchase your ICICI Lombard health insurance policy and secure comprehensive coverage for you and your family.

Things to Remember

Pay renewal premiums easily online, offline, or auto-debit.
Renew during the grace period to retain benefits.
Enjoy seamless renewals without extra documentation hassle.
Continue Section 80D deductions by timely policy renewal.
Enhance coverage or add riders during renewal conveniently.
Renew via ICICI Lombard app or website instantly.

ICICI Lombard Health Insurance

Still Confused? Get Expert Guidance

Our insurance experts can help you compare plans and find the best coverage for your needs

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.