ICICI Lombard General Insurance Company is a leading private sector general insurance company in the insurance market. The company offers a range of general insurance products both for retail customers as well as for corporate ones. The policies offered by the company have a comprehensive scope of coverage and the premiums are also low. Even in the health insurance segment, ICICI Lombard offers some of the best policies which provide extensive coverage to policyholders.
ICICI Lombard has a very good track record which makes the company reputed. Here are some reasons which make ICICI Lombard health insurance plans popular –
ICICI Lombard offers three types of health insurance plans to its customers. One is an indemnity oriented health insurance plan which provides comprehensive coverage and pays for the actual medical costs. The second plan is a top-up health insurance plan which helps you in increasing your coverage level at very affordable premium levels. The third one is a personal accident plan which pays a fixed amount of benefit in case of accidental deaths and disablements.
Let’s analyse the plans in details –
This is an indemnity health insurance plan which covers the actual medical costs that you incur in case of hospitalisation. The salient features of the plan are as follows –
Coverage benefits of ICICI Lombard Complete Health Insurance Plan
Here are the benefits which are covered under the plan –
There are optional coverage benefits too which can be taken at an additional premium. These benefits include the following –
Exclusions under ICICI Lombard Complete Health Insurance Plan
The following instances of claims are not covered by the plan –
Eligibility parameters of ICICI Lombard Complete Health Insurance
Entry age |
6 years onwards Dependent children can be covered from 3 months to 5 years |
Sum insured |
INR 3 lakhs to INR 50 lakhs |
Basis of coverage |
Individual or family floater Under family floater, self, spouse, dependent parents, dependent children and siblings can be covered |
Pre-existing waiting period |
2 years |
Policy term |
1 or 2 years |
Pre-entrance medical check-up |
Not required if age is below 46 years and sum insured is up to INR 10 lakhs |
This is a top-up health insurance plan which acts as a supplemental coverage if you have an existing health insurance plan. If you want to enhance the sum insured of your existing health insurance plan at lower premiums, you can opt for this top-up policy. The policy is also an indemnity oriented health insurance plan which covers the medical costs incurred on actuals basis. The plan has a sum insured and a deductible. If your claims exceed the chosen deductible limit, then only the Health Booster policy would cover the costs and pay the excess claim. Since this is a super top-up plan, the claims incurred in a policy year would be considered in aggregate when considering the deductible limit.
Let’s say that you buy a Health Booster policy where the sum insured is INR 10 lakhs and the deductible is INR 2 lakhs. Now, if you suffer a claim of INR 2.5 lakhs, the Health Booster policy would pay the excess claim of INR 50,000 which exceeds the deductible. If the claim is for INR 1.5 lakhs, the claim would not be met by the policy. However, if, in the same year, you incur another claim of INR 1 lakh, the aggregate claims become INR 2.5 lakhs. In this case, this ICICI Lombard health insurance policy would pay the excess claim of INR 50,000.
Here are some of the salient features of the policy –
Here are the coverage features which are available under the policy –
Besides these inbuilt coverage benefits, the plan also has a range of optional coverage features. These features include the following –
This cover has a combination of two coverage benefits which are as follows –
Under this cover option, there are three coverage benefits which are as follows
This is a critical illness optional cover where a specified list of critical illnesses is covered. If you are diagnosed with any of the covered illness, a lump sum amount would be paid. The amount would be INR 5 lakhs or 10 lakhs as selected by you.
This ICICI Lombard health insurance plan does not cover the following –
Eligibility parameters of ICICI Lombard Health Booster Plan
Entry age |
6 years onwards Dependent children can be covered from 3 months to 5 years |
Sum insured |
INR 5 lakhs to INR 50 lakhs |
Deductible limit |
INR 3 lakhs to INR 5 lakhs |
Basis of coverage |
Individual or family floater Under family floater, self, spouse, dependent parents, dependent children and siblings can be covered |
Pre-existing waiting period |
2 years |
Policy term |
1, 2 or 3 years |
Pre-entrance medical check-up |
Not required if age is below 46 years and sum insured is up to INR 10 lakhs |
This is a comprehensive personal accident policy which covers accidental deaths and disablements. The policy is a fixed benefit health insurance plan which pays a lump sum benefit in case of claims irrespective of the actual costs incurred. The salient features of the plan are as follows –
This ICICI Lombard health insurance plan provides the following coverage benefits –
Moreover, there are different optional coverage features which can be selected if you want to enhance the coverage of the plan. These optional coverage benefits come at an additional premium and include the following –
Under this cover, the costs incurred in carrying the dead body back to the residence are covered.
If the insured suffers an accidental injury which is covered under the plan and is hospitalised, this extension would cover the hospitalisation costs incurred.
In case the insured suffers from an accidental disablement and is hospitalised, the extension would give cash benefit for each day of hospitalisation
If the insured suffers from a permanent total disablement due to an accident, this add-on would pay an additional benefit apart from the claim payable under the policy.
If the insured suffers from a permanent partial disablement in an accident, the add-on pays an additional benefit along with the disability claim paid under the plan.
If the insured dies or becomes permanently disabled in an accident, this extension would pay a lump sum amount which can be used to fund the insured’s children’s education.
The expenses incurred in taking the insured individual to the hospital after an accident in an ambulance would be covered under this extension.
This extension pays the cost incurred on making funeral arrangements for the insured who died in an accident.
Under this extension, coverage is available for the costs incurred in transporting the dead body from the accident spot to the residence.
Under this ICICI Lombard health insurance plan, different types of accidental contingencies are covered. However, there are some contingencies which are excluded from the scope of coverage. These contingencies include the following –
Eligibility parameters of ICICI Lombard Personal Protect Plan
Entry age |
18 years to 65 years |
Sum insured |
INR 3 lakhs to INR 25 lakhs |
Members covered |
Coverage can be taken for self, spouse, dependent children and dependent parents |
Policy term |
1 year |
Pre-entrance medical check-up |
Not required |
You can buy ICICI Lombard health insurance plans online or offline. Offline plans are sold at the company’s branches or by the insurance agents of ICICI Lombard. You would, therefore, either have to visit the nearest branch of ICICI Lombard to buy the policy offline or contact one of the company’s insurance agents. In both the modes, an application form would have to be filled physically and you should submit the form with your relevant documents. The premium should also be paid by cash or cheque and the policy would be issued after the company underwrites it.
An easier alternative is to buy ICICI Lombard health insurance plans online. The online medium is quick and hassle-free. ICICI Lombard allows online purchases of its health insurance plans. To buy the plan online, visit https://www.icicilombard.com/ and choose the health insurance policy that you want to buy. You can, then, fill up an online form stating your coverage details. Once the details are entered, you would be able to check the premium of the plan that you intend to buy. Pay the premium through any online mode and the policy would be issued at the earliest by the insurance company.
Before you buy any ICICI Lombard health insurance plan, here are some things which you should consider –
Renewal of ICICI Lombard health insurance plans is also simple and can be done online. Just visit https://www.icicilombard.com/, choose ‘Renewals’ and choose ‘Health Policy’. You would then have to enter in your policy number and the date of birth of the eldest member who is insured under the plan. When the details are provided, your policy details will be displayed. You can then renew the policy online by paying the premiums through any online mode.
When renewing your health insurance plan, it is always advised to compare the plan with other health insurance plans available in the market. Health insurance plans allow porting and if you find a better policy offered by another company, you can port your ICICI Lombard health insurance policy at the time of renewal. To compare you can choose Turtlemint which is an online platform tied up with leading health insurance companies. You can visit https://www.turtlemint.com/health-insurance, fill in your coverage details and you will be shown some of the best health insurance plans available in the market. You can then compare the available plans and choose the best policy which offers the widest coverage at the lowest premium rates.
In your ICICI Lombard health insurance policy, claims happen when you are hospitalised and incur medical costs. In ICICI Lombard’s Personal Protect Policy, claims occur when you suffer from an accidental disablement or death. For making health insurance claims, the process is as follows –
Documents for health insurance claims
In case of personal accident claims, you should inform the company immediately by sending a mail at customersupport@icicilombard.com or by calling the company’s toll-free number at 1800 2666. Once informed, the company would guide you with the claim process. To get a settlement of your claims, you are required to submit a set of documents. These include the following –
Documents for accidental claims
ICICI Lombard offers a range of varied health insurance plans which fulfil all types of coverage needs. While the Complete Health Insurance plan provides comprehensive coverage for hospitalisation expenses, Health Booster helps you in enhancing your coverage at a lower premium and Personal Protect guards against accidental contingencies. The plans, therefore, provide all-round coverage. The premiums are also low and you also get a choice of optional add-ons to make the plan more comprehensive as per your coverage requirements.