ICICI Lombard Complete Health Insurance Plans & Benefits | PolicyX
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ICICI Lombard Health Insurance ICICI Lombard Health Insurance ★ 4.4

ICICI Lombard Complete Health Insurance

ICICI Lombard Complete Health Insurance provides comprehensive coverag ...Read More

Up to 3 Crores
Sum insured
320+
Pan India presence
97.16%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,714 reviews
🏥 10,600+ hospitals
📊 2.69 solvency ratio
✅ 97.16% claim settlement
Written by Simran saxena
Reviewed by Raj Kumar
Published: 18 Nov 2024
Updated: 27 Jul 2026
Expert Verified
IRDAI Licensed

Overview

ICICI Lombard Complete Health Insurance is a comprehensive health insurance plan that caters to almost every healthcare need of an individual and their family. The plan looks after the healthcare needs of its customers by providing complimentary health check-up coupons. Complete Health Insurance by ICICI Lombard comes in 4 variants that allow customers to customize their plan as per their requirements.

In addition to the basic plan, ICICI Lombard Complete Health Insurance allows the policyholder to enhance their coverage by offering several optional covers.

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

ICICI Lombard Health Insurance

ICICI Lombard Health Insurance

ICICI Lombard Health Insurance Review

ICICI Lombard Health Insurance Review

ICICI Lombard Complete Health Optional Covers

Complete Health by ICICI Lombard comes with myriad optional riders to cover your specific requirements. Take a look:

  • Hospital Daily Cash

    The plan offers the optional cover of Hospital Daily Cash, wherein the policyholder can avail cash benefit up to Rs 2000.

  • Convalescence Benefit

    If the policyholder is hospitalized for a minimum of 10 days or more, then the plan offers the Convalescence Benefit of Rs 10,000 once in a policy year.

  • Critical Illness Cover

    This optional cover offers coverage against Critical Illnesses such as Cancer, Heart Attack, etc., up to 100% of SI.

  • Donor Expenses

    The plan covers the medical expenses incurred during any organ transplantation, provided the organ is donated for insured persons, subject to a maximum of 2 adults.

Exclusions

Permanent Exclusions

  • Cosmetic surgery
  • Any injury occurring within 15 days of policy commencement
  • Any injury occurring under the influence of alcohol or substance abuse

Waiting Period Exclusions

  • Listed ailments after 2 years
  • Pre-existing diseases after 2 years for SI 3 L and above, 4 years for SI 2 L

ICICI Lombard Complete Health Insurance Sample Premium Illustration

Let's see how the premium varies across different types and sum insured for an individual at the age of 30 and for a policy term of 1 year.

iHealth

SI Options (Rs.) 5L 10L 20 L 30L 50L
Premium Payable (Rs.) 6,033 7,191 8,684 9,968 11,896

Health Shield

SI Options (Rs.) 5L 10L 20 L 25L 50L
Premium Payable (Rs.) 6,477 7,665 12,246 13,188 16,580

Health Elite

SI Options (Rs.) 5L 10L 20 L 25 L 50L
Premium Payable (Rs.) 9,644 13,866 26,380 27,411 30,697

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
3 months
Plan type
Individual and Family Health Insurance
Sum insured options
₹2 L, ₹3 L, ₹4 L, ₹5 L, ₹7 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L, ₹30 L, ₹50 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1, 2 years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Critical Illness cover
  • AYUSH treatment covered
  • Ambulance coverage
  • E-consultation

Cons

  • Vaccination not covered
  • IVF Treatment
  • Modern treatment
  • Air ambulance

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Covered

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 3 months
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 50 L

Frequently Asked Questions

The 11 most-asked questions about ICICI Lombard Complete Health Insurance, answered.

The plan covers the below-mentioned Critical Illnesses: Cancer of specified severity Open chest CABG First heart attack Major organ/bone marrow transplant Permanent paralysis of limbs Kidney failure requiring regular dialysis End-stage liver disease
The plan offers Life-long renewability without any age restriction. However, the premium payable may change with the growing age.
Yes, the plan offers 10% on your health insurance premium if you buy this policy for 2 years’ tenure.
The plan offers Free health check-up coupons to each insured for every Policy Year, subject to a maximum of 2 coupons per year for floater policies.
Yes, under the plan, one can earn 100 wellness points for each of the following activities: Self-declaration of Quit smoking Sharing your fitness success story On winning any Health quiz organized by the company
Some of the diseases/procedures are: Cataract Benign Prostatic Hypertrophy Myomectomy, Hysterectomy unless because of maligna All types of Hernia Fissures in anus/ hemorrhoids/piles Arthritis, gout, rheumatism Joint replacement unless due to accident Sinusitis and related disorders Stones in the urinary and biliary systems Internal congenital anomaly Varicose ulcers Surgery on tonsils and sinuses Dialysis required for renewal failure
Yes, one can avail of Tax Benefits under Section 80D of the Income Tax Act 1961.
The other Value-added services offered by the plan are: Diet & nutrition e-consultation Online Chat with Medical Practitioners Providing information on offers related to healthcare services like consultation, diagnostics, medical equipment, and pharmacy.
Yes, the plan offers Ambulance Assistance, wherein the company will arrange ground medical transportation by a Service provider to transport the Insured Person to the nearest Hospital.Another Emergency offered by the plan is Teleconsultation, wherein the company will arrange consultations and recommendations for routine health issues by a qualified Medical Practitioner or healthcare professional.
No, the plan does not require any pre-medical check-up up to 45 years
Yes, you or your nominee needs to furnish the following documents during the claim submission:

Conclusion

A comprehensive health plan with strong coverage and useful add-ons, suitable for families and indiv

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