Icici Lombard vs Galaxy Health Health Insurance 2026 | PolicyX

Overview

ICICI Lombard (backed by ICICI Bank and Fairfax) offers health plans for individuals, families and groups—covering hospitalisation, day care and medical costs, with add-ons like personal accident and critical illness, a super top-up option and a.
COMPANY DETAILS ✎ Edit

Icici Lombard

✎ Edit

Galaxy Health

Number of health insurance plans
Sum insured

Sum Insured

Up to ₹ 3 Crores

Sum Insured

Up to ₹ 1 Crore
Claim ratio

Claim Ratio

97.16%

Claim Ratio

98.9%
Network hospitals

Network Hospital

10600+

Network Hospital

3216+
Solvency Ratio

Solvency Ratio

2.69

Solvency Ratio

4.70
Pan India Presence

Pan India Presence

320

Pan India Presence

71
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

7,635.67 Crore

Annual premium (company level)

16.95 Crore
Years in operation

Years in operation

2001

Years in operation

2023
24×7 claim support

24×7 claim support

Yes

24×7 claim support

Yes
Claims settled within 3 months

Claims settled within 3 months

97.16

Claims settled within 3 months

100
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ICICI Lombard Health Insurance

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ICICI Lombard Health Insurance

Accident Health Insurance

ICICI Personal Protect Policy

The ICICI Lombard Personal Protect Policy offers comprehensive coverage against the financial impact of accidental injuries, inclu...

  • Accidental Death Benefit
  • Acts Of Terrorism Cover
  • Life Long Renewal
  • Accidental Death
  • Permanent Total Disablement Benefit
  • Hospital Daily Allowance
  • Illegal activities
  • Adventure sports
  • Operational Coverage
  • Accidental Hospitalization
  • Hospital Daily Allowance
  • Min entry age: 18 years
  • Max entry age: 80 years
  • Initial Waiting Period: 30 days
  • Sum Insured: Up to 25 Lakhs
View plan
Senior Citizen Health Insurance

Golden Shield Plan

The ICICI Lombard Golden Shield Health Plan is specifically designed for senior citizens aged 56 and above, offering comprehensive...

  • Care Management Program
  • 50 L SI Available
  • Co-Pay Modification
  • Reset Benefit
  • Coverage for Ambulance
  • Cashless Hospitalization
  • Maternity cover
  • New born cover
  • Daily hospital cash
  • Care Management Program
  • AYUSH Treatments
  • Claim Protector
  • Entry age: 56 years to no maximum limit
  • Sum insured: 5 to 50 Lakhs
  • Initial waiting period: 30 days
View plan

Galaxy Health Insurance

The Galaxy Top-Up Health Insurance Plan provides an enhanced safety net over existing base health coverage, helping mitigate subst...

  • Get exciting discounts
  • Digital ICU coverage
  • Gala Fit benefit
  • Family coverage
  • flexibility in deductible
  • Digital ICU coverage.
  • Investigation and evaluation
  • cosmetic surgery
  • unproven treatments.
  • Nanotechnology covered
  • modern treatment
  • delivery expenses covered.
  • Entry age: 18 years
  • Maximum entry age: 65 years
  • Sum Insured: INR 5 L to 2 Cr
  • Waiting Period: 30 days.
View plan
Individual and Family Health Insurance

Galaxy Twin 360

Galaxy Twin 360 is a comprehensive health insurance plan for young adults and families, offering dual coverage that combines in-pa...

  • Dual coverage for extended protection
  • All round 360 degree health benefits
  • Flexible coverage for individual needs
  • OPD benefits along with hospitalisation cover
  • usable benefits even in non-hospitalisation years
  • wellness and preventive care integration
  • Entry age capped at 45 years
  • OPD benefits have usage limits
  • newer insurer with limited long-term claims history
  • Lifelong renewability
  • multiple sum insured options
  • flexible premium payment modes
  • coverage for day-care and modern treatments
  • cashless treatment at network hospitals
  • Adults: 18 years to 45 years Children: 90 days to 18 years
View plan

Compare with Other Insurers

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Expert Reviewed

Reviewed By: Raj Kumar

With over 12 years of rich experience in the BFSI domain, with a specialisation in Life and Health Insurance, I have played a pivotal role in simplifying the insurance-buying process and delivering unparalleled service.

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