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ICICI Lombard Complete Health Insurance

ICICI Lombard Complete Health Insurance policy protects you and your family finances against unfortunate medical expenses. This plan comes along with the option of the family floater under a single plan and offers several benefits such as maternity cover, critical illness cover, donor expenses cover, no pre-medical check-up up to the age of 45 years. The ICICI Lombard Complete health insurance plan is available in three variants: iHealth, Health Shield, and Health Elite.

Eligibility Criteria of ICICI Lombard Complete Health Insurance

Entry Age (Minimum)Child: > 3 months of age in family insurance plan
> 6 years of age in case of individual health plan
Entry Age (Maximum)No limit
Policy Tenure1 or 2 years
CoverageRs. 5 lakhs - Rs. 50 lakhs

**Last Updated on July, 2021

Key Features of ICICI Lombard Complete Health Insurance

With the availability of a number of plans in the health insurance market, one should always be aware of the key features of his/her policy. Let's discuss the key features of ICICI Lombard Complete Health Insurance in detail for your understanding.

  1. Coverage for COVID-19 hospitalization

    This comprehensive health plan covers the hospitalization cost incurred on COVID-19. In case you get health insurance for yourself and your family, it provides coverage for medical costs in just 15 days after the starting date of your policy.

  2. Renewability

    The plan offers lifetime renewability that saves your medical expenses and keeps you financially well.

  3. Pre-existing diseases

    Under this plan, the coverage of pre-existing diseases is provided after 2 consecutive years, if the policy is issued for the first time by ICICI Lombard.

  4. Family Floater option

    This plan comes along with an option of family health insurance under a single plan. Any person who is more than 3 months of age can be covered under the policy.

  5. Additional sum insured

    For every claim-free year, get 10% on the additional sum insured option on each renewal up to a maximum of 50%.

  6. Cashless treatments

    With the wide network of hospitals, a policyholder can avail of cashless hospitalization. The ICICI Lombard network hospital list is available on the website.

  7. Pre-policy Medical check-up

    No medical examination or test will be required for individuals below 46 years for a sum insured up to Rs. 10 lakhs.

  8. Free Look period

    If you are not satisfied with the policy and want to cancel it. It is important to give a notice period within 15 days of receiving the policy.

  9. Co-payment

    No co-payment required

  10. Tax Benefit

    Get the tax benefit on premiums paid under section 80 (D) of the Income Tax Act, 1961.

Coverage Details of ICICI Lombard Complete Health Insurance

ICICI Lombard Complete Health Insurance plan offers various benefits and discounts for you and your loved ones. Here are the coverage details offered by ICICI Lombard Complete Health Insurance:

  1. Hospitalization expenses

    This plan covers all the expenses incurred on in-patient hospitalization for a minimum of 24 hours such as room rent, nursing, boarding expenses, ICU/ICCU charges, and doctor's fees and charges of a medical practitioner.

  2. Daycare treatments

    All the medical expenses incurred on daycare treatments listed in the policy documents are covered under this plan which requires less than 24 hours of hospitalization.

  3. AYUSH Treatment

    AYUSH treatments are also covered under this plan that involves Ayurveda, Unani, Siddha, and Homeopathy. All the treatments need to be performed in a government hospital.

  4. Pre and Post-hospitalization

    Medical expenses incurred 30 days before the hospitalization and 60 days after getting discharged from the hospital are covered under this plan.

  5. Ambulance charges

    The plan provides reimbursement of Rs. 1500 for one day of hospitalization which includes the ambulance service for transporting the insured person from one hospital to another.

  6. Maternity Benefit

    Expenses related to maternity-related are also covered under this plan such as cesarean section or lawful termination of pregnancy during the policy time. This cover is limited to 2 deliveries and the waiting period is of 3 years.

  7. Wellness and Preventive healthcare

    All the expenses related to wellness and fitness activities will be reimbursed.

  8. Hospital Daily Cash Benefit

    In this plan, a certain amount of allowance is paid for hospitalization per day. Hospitalization can be of a minimum of 3 consecutive days and a maximum of up to 10 days, or it can be more than 10 days under convalescence benefit.

  9. Critical illness cover

    This plan provides coverage for the treatment/medical procedures of critical illnesses such as:

    • Cancer of specified severity
    • Open chest surgery
    • First heart attack
    • Bone Marrow transplant
    • Open heart replacement
    • Stroke resulting in permanent symptoms
    • Coma of specified severity
    • Permanent paralysis of limbs
  10. Donor cover

    The medical treatment expenses incurred on organ donors are covered under this plan and can be reimbursed up to Rs. 50,000.

  11. Patient care/Nursing at home

    This plan provides an amount of Rs. 3000 / day for a maximum of up to 15 days after the hospitalization for the healthcare services of a nurse at your home.

Comparison of ICICI Complete Health Insurance Plan Variants

Key BenefitsiHealthHealth ShieldHealth Elite
Pre hospitalization up to 30 days
Post hospitalization up to 60 days
AYUSH Treatment
Day Care Procedures
Pre-existing diseases covered after 24 months
Additional sum insured
Wellness program
Free health check-up
Donor Expenses *
Hospital daily cash * *
Convalescence benefit * * *
Critical illness cover * *
Emergency ambulance
Unlimited reset benefit
Domiciliary hospitalization
Air ambulance cover
Additional sum insured protector
Emergency services
Nursing at home * *
Compassionate visit *
Personal accident *
Claim protector * *
Sum insured protector * *
Worldwide cover * *
Super No claim bonus * *
Maternity cover
OPD benefit

**Last Updated on July, 2021

*Optional covers are available at an additional premium.

Sample Premium Rates

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.

Age iHealth Health Shield Health Elite
5 lakhs7,4758,02611,949
10 lakhs8,9099,49817,180
20 lakhs10,75915,17332,687
50 lakhs1473920,54438,033

**Last Updated on July, 2021

For your better understanding, we have prepared a graph to help you choose an ideal plan easily.

Premium rates by Sum Insured

Premium rates of ICICI Lombard Complete Health Plan at different sum insured

Cancellation of Policy

Cancellation period Refund % for 1 year tenure Policy Refund % for 2 year tenure Policy
Within 1 month80%80%
From 1 month to 3 months60%70%
From 3 months to 6 months40%60%
From 6 months to 9 months20%50%
From 9 months to 12 months0%40%
From 12 months to 15 monthsNA30%
From 15 months to 18 monthsNA20%
From 18 months to 21 monthsNA10%
From 21 months to 24 monthsNA0%

**Last Updated on July, 2021

What is not covered under the policy?

Exclusions under the policy are mentioned below:

  • Any type of pre-existing disease until the 24 months of continuous coverage.
  • Any illness diagnosed within 30 days of the starting date of insurance.
  • Any medical illness incurred on the treatment of the following illnesses:
    1. Cataract
    2. Hernia
    3. Arthritis, gout, rheumatism
    4. Benign Prostatic Hypertrophy
    5. Joint replacement
    6. Fissures in anus
    7. Internal congenital anomaly
    8. Varicose ulcers
    9. Surgery on tonsils and sinuses
    10. Dialysis required for renewal failure

Permanent exclusions

  • Cosmetic surgery
  • Intentional destruction of property or goods
  • Suicidal death claims
  • Any kind of loss or damage to the property because of war or war-like situations
  • Any injury /damage occurred within the 15 days of the policy commencement
  • Any injury occurred under the influence of alcohol abuse or substance
  • Natural wear and tear of the property of the policyholder

How to buy ICICI Lombard Complete Health Insurance?

There are a number of options available in the market to buy ICICI Lombard Health Insurance plans. But every plan does not offer a good service and desired security. For a quick and smooth buying process, let's have a look at the below section.

  • Visit the official website of ICICI Lombard and click on 'Health Insurance'
  • Fill in all the required details and choose the sum insured. Click on the option 'Buy Now.
  • After filling in all the required details, select the premium amount.
  • Pay the premium online and your policy document will be mailed to your registered email address.

We, at can provide a dedicated agent by your side during the claim settlement process. Below is its buying process.

  • Fill in the details in the 'Calculate Premium' form.
  • The next page will show all the available plans. Choose the required health plan and click on 'Buy Now'.
  • Pay the premium and your policy document will be shared with you on your registered email.

What is the ICICI Lombard Complete Health Insurance Claim Process?

There are two ways to make a claim under the ICICI Lombard Health Insurance Policy: Cashless claim and Reimbursement claim.

For Cashless Claims, the treatment must be done only at the network hospital empanelled with the insurer where you are not required to pay any amount to the hospital when undergoing medical treatment. Whereas in case of claims based on reimbursement, the insurer refunds all your amount incurred on medical treatment within a stipulated time. Follow these steps for a smooth and hassle-free claim:

Cashless Claim

  • Inform the insurance company about the unforeseen event within 48 hours. You can call on the company's toll-free number or you can send an SMS to 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 claim form to the respective branch.
  • The cashless claims are processed in a set period of time and the reimbursement claims are settled within 30 days from the date claim has been made.

Reimbursement claim

  • Collect all the documents (original) and expenses incurred at the time of getting discharged from the hospital.
  • Send the duly filled application form along with all the required documents to the insurer.
  • After reviewing the claim request, the application went through different stages: approved, rejected, and cross-examined.
  • The application gets selected on the basis of the policy's terms and conditions.
  • Once approval is done, then the amount incurred on the treatment will be returned to you within a set period of time.

Documents Required for Claim Process

  • 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.

ICICI Lombord Health Plans

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Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.5/5 (28 Total Rating)

September 8, 2021

Jubin Katyal


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

September 6, 2021

Aditya Kapoor


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

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.

May 24, 2021

Karan Mehta


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

May 24, 2021

Sanam Mehta


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

Last updated on July, 2021

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