ICICI Lombard Health Insurance

  • No medical checkup required
  • Quick claim intimation through app
  • BeFit Cover for cashless OPD
ICICI Lombard Health Insurance

Network hospitals



Claim settlement ratio



Sum insured

Up to 50 Lakh


No. of Plans



Solvency Ratio



Pan India Presence


Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member


Network hospitals



Claim settlement ratio



Sum insured

Up to 50 Lakh


No. of Plans



Solvency Ratio



Pan India Presence


About ICICI Lombard Health Insurance Company

ICICI Lombard Health Insurance Company is a joint venture of ICICI Bank Limited from India and Fairfax Financial Holdings Limited from Canada. The company offers comprehensive health insurance that covers the expenses of hospitalization, daycare procedures, ambulance charges, and domiciliary hospitalization. Apart from health, it provides insurance coverages for various products such as cars, bikes, homes, travel, etc.

On September 8, 2021, Bharti AXA Health Insurance company merged with ICICI Lombard General Insurance Company. After the merger, the customers can now have access to a wider distribution network that is spread across online platforms, bank tie-ups, agents, brokers, etc.

Apart from standard health insurance plans, ICICI Lombard Medical Insurance also offers other plans to cater to all insurance needs of its policyholders.

With the availability of several health insurance companies, choosing an appropriate plan is quite a difficult task. While zeroing down your search to ICICI Lombard, you must read the below sections carefully to get an insight into ICICI Lombard Health Insurance Plans:

ICICI Lombard's health insurance plans are designed to provide comprehensive coverage and high-quality service. In addition to standard health insurance policies, ICICI Lombard Health Insurance also offers a super top-up plan that protects policyholders when their base health insurance plan's sum insured amount is exhausted.

With such a wide range of health insurance products, the company ensures to meet all of its clients' insurance needs.

ICICI Lombard General Insurance has been recognized with various awards and accolades.

  • ATD Best Winner Award
  • Claim Leader Award in Indian Insurance Awards, 2014
  • E-Business leader award 2013
  • Porter Prize Award
  • Golden Peacock Innovation Award 2011

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Key Features of ICICI Lombard Health Insurance Company

To explore how the ICICI Lombard Health Insurance Policy performs take a look into the below section, and decide yourself:

  • Network Hospitals: ICICI Lombard Medical Insurance Companies have tie-ups with more than 6,700+ hospitals, in which you can get hospitalized (if required) and the insurer will directly settle the bill with the hospital.
  • Solvency Ratio: The solvency ratio helps policyholders assess the ability of a company to meet its financial obligations. As of now, IRDAI has made it mandatory to maintain a healthy solvency ratio of 1.50 for every insurance company. At present, as per the IRDAI Annual Report of 2021-22 the Solvency Ratio of ICICI Lombard Mediclaim is 2.54
  • Annual Premium: The annual premium of the company shows growth and can help the policyholder to use this as their choosing criteria. As per the IRDAI report 2021-22, ICICI Health Insurance has an Annual Premium of 17,976.87 Cr.
  • Claim Support Ratio: Claim support is the assessment of the claim settling ability of an insurer. IRDAI publishes claims support ( settled within 3 months) annually. In IRDAI Annual Report 2021-22, the company's claim support (within 3 months) is 97.07
  • No. of Branches: With more than 286 branches across India, the company assures that customers can quickly visit their nearest branch if they have any policy or claim-related queries.
Highlight of ICICI Lombard Health Insurance

ICICI Lombard Health Insurance Plans

ICICI Lombard offers various health plans that provide financial protection to you and your loved ones. These plans aim to fulfill your healthcare requirements at the time of a medical emergency. The company offers plans for individuals, families and even offers coverage against COVID-19.

ICICI Lombard Health Insurance Individual & Family Plans

Standard Health Insurance

ICICI Arogya Sanjeevani Policy

A standard Health plan that offers coverage up to 5 lakhs to the insured & his family. The plan offers you everything you need under a health insurance plan.

Unique Features

  • Cumulative Bonus
  • Cataract treatment covered
  • Modern Procedures covered

Arogya Sanjeevani Policy (Pros)

  • Intensive Cardiac Care Charges
  • Ambulance charges up to 2000
  • Cataract treatment
  • In-patient hospitalization
  • Uterine Artery Embolization

Arogya Sanjeevani Policy (Cons)

  • No Eyesight correction expenses
  • Fertility expenses not covered
  • Nursing at home not covered
  • OPD expenses not covered
  • No Non-allopathic Treatment

Arogya Sanjeevani Policy (Other Benefits)

  • Floater benefit
  • Pre-existing diseases after 4 yrs
  • In-patient AYUSH treatment
  • Daycare procedures
  • Pre and post-hospitalisation

Arogya Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Maximum Entry Age - 65 Years
  • SI - 1 L to 5 L
  • Waiting Period - 30 Days

Saral Suraksha Plan

ICICI Lombard Saral Suraksha Bima

A plan that offers coverage for accidental death and disablement, temporary total disablement and gives Education Grant.

Unique Features

  • 100% Death Benefit
  • Emergency Care
  • Cumulative Bonus up to 50 %

Saral Suraksha Bima (Pros)

  • 10% Education Grant
  • Temp. Total Disablement cover
  • In-Patient Care
  • Total Disablement cover
  • Partial Disablement cover

Saral Suraksha Bima (Cons)

  • Hazardous sports not covered
  • No Intentional self-injury cover
  • Alcoholism not covered
  • Injury due to violation of the law
  • Obesity treatment not covered

Saral Suraksha Bima (Other Benefits)

  • Plastic surgery after accident
  • Surgical Procedure after accident
  • 50% Cumulative Bonus
  • All Day Care Treatment
  • Dental Treatment after accident

Saral Suraksha Bima (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -70 Years
  • SI - 2 L to 5 L
  • Waiting Period -30 Days

ICICI Lombard Health Insurance Specialized Plans


Health Booster(Top UP Plan)

A Top-up plan that offers extra coverage to you and your family with a comparatively lower premium with a policy deductible principle.

Unique Features

  • Wellness Programs
  • Critical Illnesses Covered
  • Lifetime Renewability available

Health Booster (Pros)

  • No Check-up up to 10 Lakh
  • Discount of up to 12.5%
  • Cashless treatment Hospitals
  • Reimbursement within 14 days
  • Deductible options (3/4/5 lakhs)

Health Booster (Cons)

  • No international Coverage
  • No Alcohol or drug abuse
  • No Refractive error correction
  • Dental treatment not covered
  • No hearing impairment correction

Health Booster (Other Benefits)

  • Hospital Daily Cash
  • Convalescence Benefit
  • Personal Accident Cover
  • Repatriation of Remains
  • (TTD) Rehabilitation Cover

Health Booster (Eligibility Criteria)

  • Entry Age - 18 Years
  • No Upper Age Limit
  • SI - 5 L to 50 L
  • Waiting Period - 30 Days

Personal Accident

Personal Protect Plan

The plan offers personal accident coverage on an individual and family floater basis, with coverage up to 25Lakhs.

Unique Features

  • Permanent Disability Covered
  • No pre-medical required
  • Worldwide coverage

Personal Protect Plan (Pros)

  • All Disablement Covered
  • Accidental Hospital Allowance
  • Rail accidents covered
  • Natural Peril Injury CFovered
  • No health check-up required

Personal Protect Plan (Cons)

  • Change of Gender Treatments
  • Cosmetic or Plastic Surgery
  • Dental treatment not covered
  • Maternity expenses not covered
  • No Global Coverge

Personal Protect Plan (Other Benefits)

  • No Injuries in terrorism covered
  • Hospital Daily Allowance Benefit
  • Accidental Hospital Allowance
  • Funeral Expenses covered
  • Children's Education Grant Benefit

Personal Protect Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 25 L
  • Waiting Period - 30 Days

Covid specific Plan

Corona Kavach Plan

A plan mandated by IRDAI that offers covers the hospitalization expenses if the insured is tested positive for Covid-19.

Unique Features

  • Flexible Sum Insured
  • Home-care treatment covered
  • Treatment for comorbid

Corona Kavach Plan (Pros)

  • Covid Hospitalization charges
  • Home Care Treatment Expenses
  • AYUSH Treatment Covered
  • Hospital Daily Cash
  • Flexible Policy Period

Corona Kavach Plan (Cons)

  • Dietary supplements expenses
  • Unproven Treatments expenses
  • Respite care not covered
  • Investigation Expenses
  • Rehabilitation not covered

Corona Kavach Plan (Other Benefits)

  • Inpatient hospitalization
  • Family Floater Benefit
  • In-patient treatment
  • Home care treatment
  • Post-hospitalisation

Corona Kavach Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50 Thousand to 5 L
  • Waiting Period - 15 Days

Senior Citizens

ICICI Lombard Golden Shield Plan

A senior citizen plan that covers medical expenses resulting from hospitalisation, health check-ups, day-care procedures and more.

Unique Features

  • Affordable Medical Care
  • Care Management Program
  • Reset Benefit

Golden Shield Plan (Pros)

  • Nursing at home
  • Free annual health check-ups
  • Air ambulance coverage
  • Tele consultations
  • AYUSH treatments

Golden Shield Plan (Cons)

  • Voluntary Deductible amount
  • Expenses Outside India
  • No Acupressure Treatments
  • 2-Year Waiting Period
  • Obesity/Weight Control treatment

Golden Shield Plan (Other Benefits)

  • Pharmacy Cover up to Rs 2,000
  • Out-patient consultations
  • Can update a family member
  • Routine Diagnostics covered
  • Minor Procedure Covered

Golden Shield Plan (Eligibility Criteria)

  • Entry Age - 56 Years
  • Max Age -No Upper age limit
  • SI - 3 L to 10 L
  • Waiting Period -24 Months

Senior Citizen Plan

ICICI Lombard Health AdvantEdge

A comprehensive plan for you and your family covering

Unique Features

  • Swine Flu Treatment Covered
  • Pre Existing Disease Covered
  • Cumulative Bonus upto 50 %

Health AdvantEdge (Pros)

  • No health check-ups
  • Domestic Air Ambulance
  • 24x7 Customer Support
  • Newborn baby and vaccine cover
  • Health rewards

Health AdvantEdge (Cons)

  • No Non-allopathic Treatments
  • Unproven treatment not covered
  • HIV/AIDS treatments not covered
  • 3-Year Waiting Period
  • Obesity treatment not covered

Health AdvantEdge (Other Benefits)

  • Bariatric surgery cover
  • Maternity Expenses Covered
  • Orthopaedic Expenses Covered
  • Chemotherapy Covered
  • Eye Surgery Covered

Health AdvantEdge (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 2 L to 5 L
  • Waiting Period -30 Days
ICICI Lombard Health Insurance Banner

ICICI Lombard Health Insurance Network Hospitals

ICICI Lombard Health Insurance company has a tie up with 6700+ network hospitals. You can choose to get admitted in anyof the nearest network hospitals and can easily avail cashless facilities.

Choosing a health insurance company with a wide network of hospitals in your vicinity helps you at the time of a medical emergency. It is a crucial factor that gives you an idea of how easily you can assess the cashless facility during hospitalization.

Network hospitals have a tie-up or agreement with insurance companies for offering cashless hospitalization to the insured person where you don't have to pay a single penny to the hospital directly.

With a cashless facility, all your medical expenses are borne by an insurer and you can focus on the treatment and recovery of your loved ones without worrying about the medical bills.

ICICI Lombard is empanelled with 6700+ network hospitals across India and offers you complimentary health check-ups, pre and post-hospitalization expenses, coverage for pre-existing diseases, etc. With the wide network of hospitals provided by ICICI Health Insurance, you don't have to wander here and there at the time of a medical emergency.

It is always advisable to check the network hospital list before buying a health insurance plan or getting admitted to the hospital.

If you want to check the ICICI Lombard health Insurance hospital list as per your state/region, you can visit the PolicyX.com network hospital list page.

How To Calculate ICICI Lombard Health Insurance Plans Premium?

ICICI Lombard Mediclaim allows its customers to calculate their premiums online with the help of the ICICI Lombard Health Insurance Premium Calculator. This calculator helps the policyholder to get an understanding of how much they need to pay annually.

ICICI Lombard Health Insurance Premium Calculator calculates the annual premium on the below-mentioned factors:

  • Age of the Policyholder
  • Sum Insured Choose
  • Type of plan (Individual/ Family Floater)
  • Policy Tenure

Know more about ICICI Lombard Health Insurance Policy Premium Calculator

Take a look at ICICI Lombard Health Insurance Sample Premiums

Below-mentioned is some sample premiums that will give you an idea of ICICI Lombard Medical Insurance policies. As per your needs, you can change all the aspects involved in premium calculation with the help of the ICICI Lombard premium calculator.

ICICI Lombard Complete Health Insurance

SI options (Rs.) Variants Available
iHealth Health Shield Health Elite
10L 7,191 7,665 13,866
20L 8,684 12,246 26,380
50L 11,896 16,580 30,697

ICICI Lombard Health Booster

SI Options 5L 10L 20L 25L 50L
Sample Annual Premium - 1A 3,554 4,641 5,117 5,226 5,291
Sample Annual Premium - 2A 6,027 7,658 8,371 8,536 8,633
Sample Annual Premium - 2A+1C 6,954 9,269 10,235 10,458 10,621

ICICI Lombard Personal Accident

SI Options 5L 15L 20L
Sample Annual Premium - for Policy Term of 1 year 1,521 3,228 3,981
Sample Annual Premium - for Policy Term of 3 years 4,397 9,166 11,291

Why ICICI Lombard Health Insurance

  • Coverage for COVID-19
  • 6700+ ICICI Lombard Health Network Hospitals
  • PAN India Presence with 286 Branches
  • Offers several Value-Added Services
  • 24x7 customer support
  • Mobile app to address all policy concerns
  • Reward for every Claim-free year
  • Hassle-free & Quick claim intimation

ICICI Lombard Health Insurance Exclusion List

Every Health Insurance company has a set of specified diseases/procedures that are not included in the coverage. Such few exclusions of ICICI Lombard Health Insurance are mentioned below:

Cosmetic or Plastic surgeries

Any kind of loss or damage to the property because of war or war-like situations

Suicide or self-inflicted injuries

Dental treatment (unless it’s due to an accident)

Injury due to use & abuse of intoxicant substances like alcohol or drugs

ICICI Lombard Health Insurance Buying Process

For a quick and smooth buying process, you can opt for 2 ways, either buy directly from the company’s website or from PolicyX.com. let's have a look at both the buying process:

Buy from the Company

  • Visit the official website and click on 'Health Insurance'
  • Fill in the required details and choose the sum insured.
  • The next page will show the premium amount.
  • Pay the premium online
  • Once the payment is done, the company will send all the policy details to your registered email address.

Buy from PolicyX

  • Fill in the details in the 'Calculate Premium' form.
  • Fill in the necessary details to get the list of quotes.
  • Choose your ideal ICICI Lombard plan and pay the premium.
  • After the payment, the policy will be shared on your registered email address.

Why Buy ICICI Lombard Health Insurance Plan from PolicyX.com?

Choosing PolicyX.com to buy your ICICI Lombard Health Insurance Plans can be a good choice. Read the below section to find out why choose PolicyX.com.

  • IRDAI Approved: The Insurance Regulatory Development Authority of India (IRDAI) is a regulatory body created to protect the policyholder's interest. PolicyX.com follows all the guidelines and protocols approved by the IRDAI.
  • Free Comparison Service: With PolicyX.com, you can easily compare the best Health Plans in India without paying the extra amount.
  • Compare 15 Companies in 30 Seconds: With us, you can compare up to 15 companies in just a few seconds.
  • Buy Insurance within 5 mins: With PolicyX.com, you can buy your policy online without any hassles. We offer an easy 4-step online buying process that allows you to buy your policy without any troubles.
  • 24*7 Customer Service: The experts of PolicyX.com are always available to resolve any of your insurance-related queries.
  • Free Future Claim Assistance: Our team will assist you at every step of your claim process. Be it claim intimation, documentation, or any other process, we are always there to help.
Why Choose PolicyX.Com

ICICI Lombard Health Insurance Plan Renewal Process

ICICI Lombard Health Insurance Plans comes with an online renewal facility, which means one can opt for ICICI Lombard Health Insurance online renewal

To process the ICICI Lombard health insurance renewal, follow the below-mentioned steps:

  • Visit the official website of the company.
  • Click on 'Renewals'
  • Select the type of plan you want to renew from the drop-down menu
  • Fill in all the required details & ‘submit' the form to proceed
  • Make the payment online.
  • Once done, you will receive a message of successful policy renewal.

**You can also go for the offline renewal process by visiting the nearest branch of ICICI Lombard.

For ICICI Lombard Health Policy Renewal, the company also gives a 30-day grace period days, during which the policyholder can renew their policy even after the due date without it getting lapsed.

How to file ICICI Lombard Health Insurance Claims?

  • Inform the company about the unforeseen event within 48 hours. You can call on their toll-free number or you can send an SMS on 575758.
  • Submit the required documents instructed by the customer care officer.
  • In order to proceed with the claim process, download the claim application form from the website or you can get it from the nearest branch office.
  • Submit all the required documents along with the ICICI Lombard health insurance claim form to the respective branch.
  • The reimbursement claims are settled within 30 days from the date claim has been made.

Documents Required

  • A duly filled application form
  • Original bills, discharge papers, receipts related to the hospitalization
  • Medical bills of chemists along with a valid prescription
  • All the copies of medical examination reports

Contact Details Of ICICI Lombard Health Insurance

Contact Address:

ICICI Lombard General Insurance Co. Ltd.,Ground floor- Interface 11, Sixth floor- Interface 16, Office no 601 & 602,New linking Road, Malad (West),Mumbai - 400064.

Customer Care Number

1800 2666

Alternate Contact No.: 86 55 222 666 (Chargeable)



ICICI Lombard Health Insurance: FAQs

1. Do I need to go for a Medical checkup before buying an ICICI Lombard Health Policy?

No, the medical tests are not necessary if you are below 56 years.

2. My father is 60 years old. What sort of tests does he need to undergo before buying an ICICI Lombard Medical Insurance policy?

An adult of age 56 years and above needs to undergo the below-mentioned medical tests:

  • Complete Blood count with Peripheral Smear & ESR
  • Urine Routine
  • Serum Creatinine
  • ECG
  • Serum Cholesterol
  • Fasting Blood Sugar
  • Medical Examination with BP recordings – By a physician.

3. I want to change my DOB in the policy documents. Will it affect my premiums?

Yes, it’s better to get the correct date of birth recorded in your health insurance policy as it will help you at the time of claim settlement. As per the correct date of birth, the premium will also be revised.

4. Does ICICI Lombard cover hospitalization in a country other than India?

No. The policy does not cover hospitalization outside India. However, few plans such as ICICI Complete Health offer some optional riders through which one can avail worldwide coverage.

5. What is the cancellation policy of ICICI Lombards Health Policy?

The policy can easily be canceled during the free look period that is usually 15 days. Fill the form with all the required details and visit any nearest branch. Once the request is processed, the premium is refunded after the applicable deductions within the stipulated period.

6. Does the company allow the mid-term inclusion of the family member?

No, the company does not have the provision of mid-term inclusion. The policyholder is not allowed to add family members during the policy tenure. It can be done only at the time of renewals.

7. What is the mandatory coverage in ICICI Lombard Health Insurance policy?

Mandatory coverage is the original coverage offered by the health insurance policy. This coverage cannot be altered or removed.

8. How can I check the claim status of my ICICI Lombard Health Insurance policy?

You can check your claim status online through the following steps:

  • Visit the official website of ICICI Lombard Health Insurance
  • Enter your Claim Number or AL Number
  • Click on the 'Search' option to be redirected to another page where you can view your current claim status

9. What will happen to my claims if some of my medical documents are incomplete or missing? Will it be processed partially or will it get rejected?

For Cashless claims, the company communicates directly with the network hospital you’re admitted in. Thus, in this scenario, you don't have to be concerned about missing any medical records.

However, for filing a reimbursement claim, there are two possibilities that might occur:

i) Documents that aren't required are missing: Your claim will still be processed fully.

ii) Documents that are required are missing. - Every 15 days, we will notify you about the missing papers, i.e. on the 15th, 30th, 45th, and 60th days. Due to the non-receipt of required papers, the claim will be denied after this last reminder.

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ICICI Lombard Health Insurance Reviews

For a better insight into the company, do not forget to go through the ICICI Lombard Health Insurance Reviews.

Customer Review Image



February 17, 2022

I have family insurance plan and my mother and sister hospitalised for covid together. hospital gave me big amount. I used insurance plan to pay the bills.

Customer Review Image

Jubin Katyal


September 8, 2021

Very Good company ICICI. I am impressed with their services. I will recommend this compnay from my side

Customer Review Image

Aditya Kapoor


September 6, 2021

I really like the plans from ICICI Lombard as they have comprehensive and affordable plans. Nice ICICI

Customer Review Image



August 31, 2021

happy to buy a plan from ICICI, their customer support is very helpful and very supportive, even helped me in my claim settlement.

Customer Review Image

Karan Mehta


May 24, 2021

Thank you policyx for guiding me and resolving my queries related to icici lombard. Really happy the way they treat their customers. I have suggested this plan to my sister also

Customer Review Image

Sanam Mehta


May 24, 2021

Today i got my refund of claim reimbursement and today is the best day of life.All credit goes to policyx as they are very nice

Customer Review Image

Karan Mehta


May 21, 2021

Thank you policyx for guiding me and resolving my queries related to icici lombard. Really happy the way they treat their customers. I have suggested this plan to my sister also

Customer Review Image

Sanam Mehta


May 21, 2021

Today i got my refund of claim reimbursement and today is the best day of life.All credit goes to policyx as they are very nice

View All ICICI Lombard Health Insurance Reviews