ICICI Lombard Health Insurance

ICICI Lombard Health Insurance is offered by ICICI Lombard General Insurance Company Limited, one of India's leading private general insurance providers. The insurer offers a wide range of health insurance solutions for individuals, families, senior citizens, and those seeking critical illness coverage. It also provides super top-up plans that help enhance your existing health insurance coverage at an affordable cost. Policyholders can benefit from cashless treatment at more than 11,000 network hospitals across India, ensuring convenient access to quality healthcare services. The plans typically cover hospitalization expenses, daycare procedures, pre- and post-hospitalization costs, and other medical expenses as per policy terms. With flexible coverage options, digital claim support, and a broad hospital network, ICICI Lombard Health Insurance aims to provide comprehensive financial protection against rising healthcare costs.

ICICI Lombard General Insurance Company Limited was established in 2001 and is registered with the Insurance Regulatory and Development Authority of India (IRDAI) under Registration No. 115. Headquartered in Mumbai, it is one of India's leading private-sector general insurers, offering health, motor, travel, home, and business insurance solutions. The insurer reported over 3.76 crore policies sold and more than 32 lakh claims serviced during FY 2024–25, reflecting its extensive presence in the Indian insurance market.

• Network Hospitals: Access to 11,000+ hospitals across India for cashless treatment.

• Infinite Coverage Option: Available under the Elevate plan through the Infinite Care benefit.

• 2-Hour Hospitalisation Cover: Coverage for hospitalisation lasting 2 hours or more under eligible plans.

• Pre-existing Disease Cover from Day 31: Available for specified pre-existing conditions through the JumpStart add-on.

• Unlimited Reset Benefit: Automatic restoration of the sum insured after exhaustion under eligible plans.

• Worldwide Coverage: Available as an optional benefit under select health insurance plans.

• Wellness Benefits: Reward-based wellness programme for maintaining healthy lifestyle habits.

• Cashless Everywhere Facility: Cashless treatment available at both network and non-network hospitals, subject to policy terms.

• Annual Health Check-ups: Included under eligible health insurance plans.

• IL Sahayak Support: Dedicated claim assistance available during hospitalisation at select network hospitals.

Here are the various ICICI Lombard Health Insurance plans that provide comprehensive healthcare and financial protection.

1. Individual Health Insurance

ICICI Lombard's individual health insurance plans offer coverage for a single person with flexible sum insured options, access to optional benefits such as OPD and worldwide coverage, and features like unlimited reset benefits under eligible plans.

2. Family Floater Health Insurance

ICICI Lombard's family health insurance plans allow spouses, dependent children, and parents to be covered under a single policy. The plans combine shared coverage with benefits such as wellness programmes, cashless hospitalisation, and optional maternity benefits in select plans.

3. Senior Citizen Health Insurance

Designed for older adults, ICICI Lombard's senior citizen health insurance solutions provide coverage for hospitalisation expenses, modern treatments, and long-term healthcare needs, with access to its extensive cashless hospital network.

4. Super Top-Up Health Insurance

ICICI Lombard offers super top-up plans that provide additional financial protection once the deductible amount is exhausted. These plans are suitable for policyholders looking to supplement an existing health insurance policy with higher coverage at a lower cost.

5. Critical Illness Health Insurance

ICICI Lombard's critical illness coverage provides a lump-sum payout upon diagnosis of specified critical illnesses. This benefit can help manage treatment expenses and income loss arising from serious medical conditions.

6. Maternity Health Insurance

Available through select plans and optional covers, ICICI Lombard's maternity coverage helps policyholders manage expenses related to childbirth and related medical care, subject to policy terms and waiting periods.

Here are the key add-on benefits available with ICICI Lombard Health Insurance plans for broader healthcare coverage.

• Infinite Care

Provides one-time unlimited coverage for a claim during the lifetime of the policy, subject to the terms and conditions of the selected plan.

• JumpStart

Reduces the waiting period for specified pre-existing diseases such as asthma, diabetes, hypertension, coronary artery disease, hyperlipidaemia, and obesity. Coverage for eligible conditions begins after 30 days from policy inception.

• BeFit

Covers outpatient healthcare expenses such as doctor consultations, diagnostic tests, physiotherapy sessions, and other eligible healthcare services.

• Critical Illness Cover

Provides a lump-sum benefit upon the first diagnosis of specified critical illnesses covered under the policy terms.

• Worldwide Cover

Extends coverage for eligible planned and emergency medical treatments outside India, subject to policy conditions.

• Maternity Benefit

Provides coverage for maternity-related expenses, including childbirth and related hospitalisation costs, after the applicable waiting period.

• Power Booster

Enhances the available sum insured and loyalty benefits under the policy, helping increase overall coverage over time.

• Claim Protector

Covers specified non-payable medical expenses that are normally excluded from a standard health insurance claim settlement.

• Room Modifier

Allows policyholders to upgrade or modify their eligible hospital room category beyond the standard room entitlement available under the base plan.

• Inflation Protector

Helps increase the sum insured periodically to account for rising healthcare and medical treatment costs.

• Nursing at Home

Provides coverage for eligible nursing care services administered at home when prescribed as part of medical treatment.

• Convalescence Benefit

Offers a fixed benefit amount after completion of a qualifying hospitalisation, helping policyholders manage recovery-related expenses.

• Personal Accident Cover

Provides financial compensation in case of accidental death or specified accidental disabilities during the policy period.

ICICI Lombard offers a range of health insurance plans catering to different healthcare and financial needs, including comprehensive health covers, high-sum insured plans, and super top-up solutions.

1. ICICI Lombard Elevate

ICICI Lombard Elevate is the insurer's flagship health insurance plan, offering coverage from ₹5 lakh with no upper sum insured limit. The plan includes unlimited reset benefits, optional covers such as Infinite Care, JumpStart, Worldwide Cover, Maternity Benefit, and BeFit, along with coverage for modern treatments and AYUSH hospitalisation.

2. ICICI Lombard Elevate Smart

Elevate Smart is a value-focused variant of the Elevate range that offers unlimited restoration benefits and a no-claim bonus. The plan comes with a twin-sharing room category and applies a co-payment when treatment is available outside the Preferred Provider Network.

3. ICICI Lombard Elevate Value

Elevate Value is designed for policyholders seeking comprehensive health coverage at a lower premium. It includes unlimited restoration benefits, no-claim bonus benefits, twin-sharing room accommodation, and a co-payment clause for treatment outside the Preferred Provider Network.

4. ICICI Lombard Health AdvantEdge

Health AdvantEdge is a comprehensive health insurance plan offering coverage from ₹7.5 lakh up to ₹3 crore. The plan focuses on healthcare and preventive care benefits and provides optional coverage for critical illnesses, making it suitable for families seeking flexible protection.

5. ICICI Lombard MaxProtect

MaxProtect is a high-sum insured health insurance plan offering coverage from ₹1 crore to unlimited sum insured. The plan includes worldwide coverage options, customisable benefits, and extensive protection for major medical expenses.

6. ICICI Lombard Activate Booster

Activate Booster is a super top-up health insurance plan that provides additional coverage once the deductible amount is exhausted. It offers coverage from ₹10 lakh to ₹3 crore with flexible deductible options, making it suitable for enhancing an existing health insurance policy.

7. ICICI Lombard Activate Booster (Combo)

Activate Booster (Combo) combines the benefits of the Elevate plan and Activate Booster into a single solution. The plan offers coverage up to ₹1 crore and is designed for individuals and families seeking enhanced protection beyond standard hospitalisation coverage.

8. ICICI Lombard Health Booster

Health Booster is ICICI Lombard's super top-up health insurance solution designed to supplement an existing base health policy. It helps increase overall coverage at a relatively lower premium while protecting against high-value medical expenses.

9. ICICI Lombard Complete Health Insurance

Complete Health Insurance is a comprehensive medical insurance plan that covers hospitalisation expenses and related healthcare costs. The plan is designed to provide all-round protection against unforeseen medical emergencies.

10. ICICI Lombard Health Care Plus

Health Care Plus is a health insurance offering from ICICI Lombard that provides coverage for hospitalisation and medical treatment expenses. The plan is intended for individuals looking for broad healthcare protection.

11. ICICI Lombard Family Shield Plan

Family Shield Plan is designed to provide health insurance coverage for multiple family members under a single policy. It helps families manage healthcare expenses through a shared sum insured structure.

12. ICICI Lombard Women's Cancer Shield Plan

Women's Cancer Shield Plan provides financial protection against specified cancer-related conditions affecting women. The plan offers specialised coverage designed to address the treatment costs associated with critical illnesses.

13. ICICI Lombard Special Shield Plan

Special Shield Plan is a specialised health insurance solution offered by ICICI Lombard to address specific healthcare protection requirements. Coverage and benefits vary according to the plan's terms and conditions.

Buying an ICICI Lombard Health Insurance policy through Coverfox is a simple online process that allows you to compare plans, customise coverage, and complete your purchase in just a few steps.

Step 1: Share Your Details

Enter basic details such as age, city, and the members you want to insure.

Step 2: Compare ICICI Lombard Health Insurance Plans

Review available ICICI Lombard Health Insurance plans, coverage options, benefits, and premiums to find a policy that matches your healthcare needs.

Step 3: Customise Your Coverage

Select the sum insured and enhance your policy with available add-ons such as JumpStart, Infinite Care, BeFit, Critical Illness Cover, Worldwide Cover, or Claim Protector, depending on the chosen plan.

Step 4: Complete the Proposal Form

Provide the required personal, nominee, medical history, and lifestyle details for policy issuance.

Step 5: Make the Payment

Review your policy details and pay the premium through Coverfox's secure payment platform.

Step 6: Receive Your Policy Instantly

Once the payment is successful and the proposal is approved, the policy document is issued and shared digitally.

Need Help Choosing a Plan?

If you're unsure which ICICI Lombard Health Insurance plan best suits your needs, simply share your details on Coverfox. One of our insurance experts will contact you on the provided mobile number, explain the available options, answer your queries, and help you choose the right coverage for yourself and your family.

ICICI Lombard Health Insurance provides access to a network of 11,000+ hospitals across India, enabling policyholders to avail cashless treatment for covered medical expenses. The extensive ICICI Lombard Health Insurance hospital list includes multi-speciality, super-speciality, and leading healthcare facilities across major cities and towns, helping insured members access quality medical care when needed.

How to Find the ICICI Lombard Health Insurance Hospital List?

Finding hospitals from the ICICI Lombard Health Insurance hospital list through Coverfox is simple:

1. Visit Coverfox and navigate to the Health Insurance section.

2. Click on Network Hospitals.

3. Select ICICI Lombard Health Insurance from the list of insurers.

4. Enter your State and City details.

5. View the complete ICICI Lombard Health Insurance hospital list available in your selected location.

6. Choose a network hospital to avail cashless treatment under your ICICI Lombard Health Insurance policy.

• Customer Care Number: 1800 2666 (24×7 support)

• WhatsApp Support: 77382 82666

• Email ID: customersupport@icicilombard.com

• Health Insurance Support Email: healthassistance@icicilombard.com

• IL TakeCare App: Policyholders can use the IL TakeCare App to manage policies, download policy documents, track claims, submit reimbursement claims, access health services, and receive policy-related support.

• Customer Portal: ICICI Lombard's online customer portal allows policyholders to access policy information, download documents, track claim status, initiate service requests, and manage their health insurance policies digitally.

• Registered Office Address:
  ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhivinayak Temple, Prabhadevi, Mumbai – 400025.

Disclaimer: The information provided on this page is for general informational purposes only and is based on publicly available information, insurer disclosures, and policy documents available at the time of publication. Benefits, coverage, exclusions, waiting periods, premiums, and terms may vary depending on the selected ICICI Lombard Health Insurance plan. Please refer to the official policy wording and prospectus for complete details before purchasing a policy or making a claim.