Complete Health Insurance
  • Rewards from Wellness Program
  • Maternity & Newborn Baby Cover
  • Extended Coverage with Riders
ICICI Lombard Health Insurance
premium

Network hospitals

7500+

premium

Incurred claim ratio

77.33%

premium

Sum insured

Up to 1 CR

premium

No. of Plans

8

premium

Solvency Ratio

2.5

premium

Pan India Presence

300+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

7500+

premium

Incurred claim ratio

77.33%

premium

Sum insured

Up to 1 CR

premium

No. of Plans

8

premium

Solvency Ratio

2.5

premium

Pan India Presence

300+

ICICI Lombard Complete Health Insurance

Customize your ICICI Lombard Complete Health Plan with 4 available variants

ICICI Lombard Complete Health Insurance is a comprehensive health plan that caters to almost every healthcare need of an individual & 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 the 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.

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ICICI Lombard Complete Health Plan Specifications

Take a look at the plan's specifications to decide whether you should buy ICICI Lombard Health Insurance or not:

Sum Insured

2 | 3 | 4 | 5 | 7 | 10 | 15 | 20 | 25 | 30 |50 L

Entry Age

For Adult: 18 years
For Children: < 3 months in Family Floater, < 6 years in Individual plan

Plan Type

Individual & Family

Policy Term

1 & 2 years

Variants Available

iHealth | iHealth Plus | Health Shield | Health Elite

Initial Waiting Period*

30 Days

*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.

Read more specifications in the brochure.

Choose Your ICICI Lombard Complete Health Plan

ICICI Lombard Complete Health Insurance comes in 4 variants that allows you to chose your ideal plan as per your requirements & budget:

What is Room Rent?

Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under ICICI Lombard Complete HealthPlan?

Under this plan, there is no room rent capping, and the same is covered up to the selected SI.

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under ICICI Lombard Complete HealthPlan?

Under this plan, ICU charges coverage is available up to the selected SI.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under ICICI Lombard Complete HealthPlan?

This plan covers medical expenses incurred during pre-hospitalization for up to 30 days.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under ICICI Lombard Complete HealthPlan?

This plan covers medical expenses incurred during post-hospitalization for up to 60 days.

What is Domiciliary Hospitalization?

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.

Coverage status under ICICI Lombard Complete HealthPlan?

  • iHealth: Not Available
  • iHealthPlus: Not Available
  • The domiciliary hospitalization is covered under the Health Shield Variant of this plan.
  • The domiciliary hospitalization is covered under the Health Elite Variant of this plan.
What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under ICICI Lombard Complete HealthPlan?

This plan covers expenses of all daycare procedures including dialysis, radiotherapy, and chemotherapy.

What are OPD charges?

The cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under ICICI Lombard Complete HealthPlan?

  • iHealth: Not Available
  • iHealthPlus: Not Available
  • HealthShield: Not Available
  • The OPD Charges are covered under the Health Elite Variant of this plan.
What is COVID-19 Treatment?

Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under ICICI Lombard Complete HealthPlan?

COVID-19 treatment cover is available under this plan.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under ICICI Lombard Complete HealthPlan?

The plan covers the Cataract treatment as per the below sub-limit:

Sum Insured up to 5L 20K for per eye per Policy year
Sum Insured above 5L 1L for per eye per Policy year
What is a No-Claim Bonus?

This plan offers a 50% increment in the sum insured at the time of renewal after a claim-free year. In case of a claim, the bonus amount added to your SI will be decreased by 50%.

Coverage status under ICICI Lombard Complete HealthPlan?

Not Available

What is Automatic Restoration?

Automatic restoration equal to 100% of your selected SI amount is provided under this plan if the basic sum insured and the multiplier benefit get exhausted.

Coverage status under ICICI Lombard Complete HealthPlan?

The plan offers unlimited Resent benefit, wherein if the SI is exhausted the plan will reset it up to 100% of your base sum insured

What is Daily Hospital Cash?

It is a cash amount that you will get each day during the time of hospitalization.

Coverage status under ICICI Lombard Complete HealthPlan?

The Daily hospital cash available under the plan is as follows:

For iHealth: This option is available under this plan as a rider. You can avail of the benefit of Daily Hospital Cash by paying an additional amount for this rider.

For iHealth Plus: This option is available under this plan as a rider. You can avail of the benefit of Daily Hospital Cash by paying an additional amount for this rider.

For Health Shield: This option is available under this plan as a rider. You can avail of the benefit of Daily Hospital Cash by paying an additional amount for this rider.

For Health Elite: The plan offers Daily Hospital Cash up to the below-mentioned limits:

SI Options (Rs.) 3L | 4L | 5L 7L |10L 15L | 20L | 25L | 50L
Per Day Hospital Cash Benefit (Rs.) 1K 2K 3K
What is an Organ Donor Cover?

Your health plan will cover the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under ICICI Lombard Complete HealthPlan?

For iHealth: This option is available under this plan as a rider. You can avail of coverage for Organ Donor by paying an additional amount for this rider.

For iHealth Plus: This option is available under this plan as a rider. You can avail of coverage for Organ Donor by paying an additional amount for this rider.

For Health Shield: The Health Shield variant of the plan covers organ donor expenses up to the maximum limit of 10L.

For Health Elite: The Health Elite variant of the plan covers the organ donor expenses up to the maximum limit of 10L

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under ICICI Lombard Complete HealthPlan?

For iHealth: Not available

For iHealth Plus: Maternity Expenses are covered up to the below-mentioned limits:

SI Options (Rs.) 2L 3L | 4L | 5L 7L |10L
Coverage for Maternity Expenses Normal Delivery: 10K
Cesarean Delivery: 15K
PrePost Natal 2K each 		Normal Delivery: 15K
Cesarean Delivery: 25K
PrePost Natal 2K each 		Normal Delivery: 25K
Cesarean Delivery: 50K
PrePost Natal 2K each

For Health Shield: Not available

For Health Elite: Maternity Expenses are covered up to the below-mentioned limits:

SI Options (Rs.) 3L | 4L | 5L 7L |10L 15L | 20L | 25L | 50L
Coverage for Maternity Expenses Normal Delivery: 15K
Cesarean delivery: 25K
Pre-Post Natal: 2K each 		Normal Delivery: 25K
Cesarean delivery: 50K
Pre-Post Natal: 2K each 		Normal Delivery: 25K
Cesarean delivery: 50K
Pre-Post Natal: 2K each
What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new borncover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under ICICI Lombard Complete HealthPlan?

For iHealth: Not available

For iHealth Plus: The iHealth variant of the plan covers the New Born Baby expenses for a maximum period of up to 91 days from the date of birth, subject to the limit of 10K

For Health Shield: Not available

For Health Elite: The Health Elite variant of the plan covers the New Born Baby expenses for a maximum period of up to 91 days from the date of birth, subject to the below-mentioned limits:

SI Options (Rs.) 3L | 4L | 5L 7L |10L 15L | 20L | 25L | 50L
Coverage for New Born Baby Expenses 10K 1L
What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under ICICI Lombard Complete HealthPlan?

AYUSH treatment is covered under this plan.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under ICICI Lombard Complete HealthPlan?

Not available

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under ICICI Lombard Complete HealthPlan?

Not Covered

What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under ICICI Lombard Complete HealthPlan?

This plan covers Ambulance charges up to:

For iHealth: iHealth Variant of the plan covers the Ambulance charges up to 1.5K per hospitalization.

For iHealth Plus: iHealth Plus Variant of the plan covers the Ambulance charges up to 1.5K per hospitalization.

For Health Shield: Health Shield covers 1% of the SI per hospitalization, max. up to 10K.

For Health Elite: Health Elite covers 1% of the SI per hospitalization., max. up to 10K.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under ICICI Lombard Complete HealthPlan?

  • For iHealth: Not available
  • For iHealth Plus: Not available
  • For Health Shield: The plan covers the expenses for Air Ambulance.
  • For Health Elite: The plan covers the expenses for Air Ambulance.
What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under ICICI Lombard Complete HealthPlan?

  • iHealth: Not Available
  • iHealth Plus: Not Available
  • Health Shield: This option is available under this variant as a rider. You can avail of the benefit of Compassionate Travel by paying an additional amount for this rider.
  • Health Elite: This option is available under this variant as a rider. You can avail of the benefit of Compassionate Travel by paying an additional amount for this rider.
What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under ICICI Lombard Complete HealthPlan?

  • iHealth: Not Available
  • iHealth Plus: Not Available
  • Health Shield: This option is available under this variant as a rider. You can get Global coverage by paying an additional amount for this rider.
  • Health Elite: This option is available under this variant as a rider. You can get Global Coverage by paying an additional amount for this rider.
What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under ICICI Lombard Complete HealthPlan?

The plan covers the expenses for E-consultation as a Value-Added services.

What is a Health Checkup?

The plan offers Free health check-up coupon to Insured for every Policy Year, subject to a maximum of 2 coupons per year for floater policies. This benefit is available under Value-Added Services.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.

Coverage status under ICICI Lombard Complete HealthPlan?

The plan covers the expenses for Second Medical Opinion as a Value-Added service.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under ICICI Lombard Complete HealthPlan?

  • iHealth: Not Covered
  • iHealth Plus: This variant covers the expenses incurred on vaccinations under Wellness & Preventive Healthcare.
  • Health Shield: This variant covers the expenses incurred on vaccinations as a value-added service.
  • Health Elite: This variant covers the expenses incurred on vaccinations as a value-added service.
What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under ICICI Lombard Complete HealthPlan?

Co-payment is not applicable under this plan.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to pay by the policyholder.

Status under ICICI Lombard Complete HealthPlan?

Sub-limit under this plan is applicable on Cataract treatments as per the below limits:

Sum Insured up to 5L 20K for per eye per Policy year
Sum Insured above 5L 1L for per eye per Policy year

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Choose ICICI Lombard Health Insurance Plan for

ICICI Lombard Insurance for Senior Citizens

ICICI Lombard Insurance for Senior Citizens

ICICI Lombard Insurance Plans for Family

ICICI Lombard Insurance Plans for Family

ICICI Lombard Insurance for Critical Illness

ICICI Lombard Insurance for Critical Illness

ICICI Lombard Insurance for Maternity

ICICI Lombard Insurance for Maternity

ICICI Lombard Health Top-up Plan

ICICI Lombard Health Top-up Plan

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

ICICI Lombard Complete Health Optional Covers

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

Hospital Daily Cash

The plan offers the optional clever of Hospital Daily Cash, wherein, the policyholder can avail cash benefit up to the below-mentioned limits:

SI Options (Rs.) 2L 3L | 4L | 5L 7L |10L 15L | 20L | 30L | 50L
Per Day Hospital Cash Benefit (Rs.) 500 1000 2000 3000
Convalescence Benefit

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

Critical Illness Cover

This optional cover offers coverage against Critical Illnesses such as Cancer, Heart Attack, etc. up to the below-mentioned limits

SI Options (Rs.) 2L 3L | 4L | 5L 7L |10L 15L | 20L | 30L | 50L
Coverage ( Rs.) NA 100% of SI 50% of SI
Donor Expenses

The plan covers the medical expenses incurred during any organ transplantation, provided the organ donated is for Insured persons, subject to a maximum of 2 adults. The expenses are covered up to the below limits:

SI Options (Rs.) 2L 3L | 4L | 5L 7L |10L 15L | 20L | 30L | 50L
Coverage ( Rs.) NA Up to 50K
Hospital Daily Cash

The plan offers the optional clever of Hospital Daily Cash, wherein, the policyholder can avail cash benefit up to the below-mentioned limits:

SI Options (Rs.) 2L 3L | 4L | 5L 7L |10L
Per Day Hospital Cash Benefit (Rs.) 500 1000 2000
Convalescence Benefit

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

Critical Illness Cover

This optional cover offers coverage against Critical Illnesses such as Cancer, Heart Attack, etc. up to the below-mentioned limits:

SI Options (Rs.) 2L 3L | 4L | 5L 7L |10L
Coverage ( Rs.) NA 100% of SI
Donor Expenses

The plan covers the medical expenses incurred during any organ transplantation, provided the organ donated is for Insured persons, subject to a maximum of 2 adults. The expenses are covered up to the below limits:

SI Options (Rs.) 2L 3L | 4L | 5L 7L |10L
Coverage ( Rs.) NA Up to 50K
Critical Illness

Under this cover, you will get coverage against critical Illnesses up to SI for the Sum insured amount of 10L & below, and 50 % of SI for the Sum Insured amount more than 10 L.

Personal Accident

The plan offers coverage to the policyholder and his family in case of accidental death, or permanent total disablement resulting from an accident.

Nursing at Home

Get medical assistance of a qualified nurse up to a maximum of 15 days post Hospitalization for the medical services up to the below-mentioned limits:

SI Options (Rs.) 3L | 4L | 5L 7L |10L 15L | 20L | 25L | 50L
Per Day/ Per Member Coverage ( Rs.) 2K 3K
Compassionate Visit

The cover offers coverage against the travel expenses of Insured's "immediate relative" while traveling to a place of Hospitalization to & from, provided Hospitalization exceeds 5 days.The coverage offered is up to the below-mentioned limits:

SI Options (Rs.) 3L | 4L | 5L 7L |10L 15L | 20L | 25L | 50L
Per policy year Coverage ( Rs.) Up to 10K Up to 20K
Hospital Daily Cash

The plan offers the optional clever of Hospital Daily Cash, wherein, the policyholder can avail cash benefit up to the below-mentioned limits:

SI Options (Rs.) 3L | 4L | 5L 7L |10L 15L | 20L | 25L | 50L
Per Day Hospital Cash Benefit (Rs.) 1K 2K 3K
Convalescence Benefit

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

Claim Protector

This rider offers coverage for items that are not otherwise payable by the company. The rider is available only for the SI of 5L & above.

Sum Insured Protector

With this rider, protect your SI against rising inflation by linking the Sum Insured under the base plan to the Consumer Price index (CPI). The SI will increase on a cumulative basis at each renewal based on the inflation rate in the previous year. The rider is available only for the SI of 5L & above.

Worldwide Cover

Under this rider, get coverage against hospitalization expenses incurred outside India and anywhere across the world including USA and Canada, up to the specified amount. The rider is available only for the SI of 10 L & above

Super No-Claim Bonus

For every claim-free year, one can get 50% of the extra sum insured. However, in case of a claim, the extra sum insured earned will be reduced by 50%. The rider is available only for the SI of 5L & above.

Critical Illness

Under this cover, you will get coverage against critical Illnesses up to SI for the Sum insured amount of 10L & below, and 50 % of SI for the Sum Insured amount more than 10 L.

Personal Accident

The plan offers coverage to the policyholder and his family in case of accidental death, or permanent total disablement resulting from an accident.

Nursing at Home

Get medical assistance of a qualified nurse up to a maximum of 15 days post Hospitalization for the medical services up to the below-mentioned limits:

SI Options (Rs.) 3L | 4L | 5L 7L |10L 15L | 20L | 25L | 50L
Per Day/ Per Member Coverage ( Rs.) 2K 3K
Compassionate Visit

The cover offers coverage against the travel expenses of Insured's "immediate relative" while traveling to a place of Hospitalization to & from, provided Hospitalization exceeds 5 days. The coverage offered is up to the below-mentioned limits:

SI Options (Rs.) 3L | 4L | 5L 7L |10L 15L | 20L | 25L | 50L
Per policy year Coverage ( Rs.) Up to 10K Up to 20K
Claim Protector

This rider offers coverage for items that are not otherwise payable by the company. The rider is available only for the SI of 5L & above.

Sum Insured Protector

With this rider, protect your SI against rising inflation by linking the Sum Insured under the base plan to the Consumer Price index (CPI). The SI will increase on a cumulative basis at each renewal based on the inflation rate in the previous year. The rider is available only for the SI of 5L & above.

Worldwide Cover

Under this rider, get coverage against hospitalization expenses incurred outside India and anywhere across the world including USA and Canada, up to the specified amount. The rider is available only for the SI of 10 L & above.

Super No-Claim Bonus

For every claim-free year, one can get 50% of the extra sum insured. However, in case of a claim, the extra sum insured earned will be reduced by 50%. The rider is available only for the SI of 5L & above.

ICICI Lombard Complete Health Insurance Banner

ICICI Lombard Complete Health Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under ICICI Lombard Complete Health are:

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 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

Coverage after Waiting Period

Certain diseases and treatments are covered under the ICICI Lombard Complete Health Insurance plan after a certain period. Read the details below:

Listed ailments after 2 years

Pre-existing diseases after 2 years for SI 3 L & above, 4 years for SI 2 L

Explore ICICI Lombard Health Insurance

ICICI Lombard Health Renewal

ICICI Lombard Health Renewal

ICICI Lombard Premium Calculator

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ICICI Lombard Health Claim Settlement Ratio

ICICI Lombard Health Claim Settlement Ratio

ICICI Lombard Health Claim Status

ICICI Lombard Health Claim Status

ICICI Lombard Health Insurance Payment

ICICI Lombard Health Premium Payment

ICICI Lombard Health Diseases Covered

ICICI Lombard Health Diseases Covered

ICICI Lombard Health Insurance Plans

ICICI Lombard Health Insurance Plans

Explore more plans from ICICI Lombard

ICICI Lombard Insurance company offers several tailored health plans that are designed to serve you in the best way possible. Take a look:

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

Top-up

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

Senior Citizen Plan

ICICI Lombard Health Shield 360

A versatile health insurance plan with vital features like outpatient treatment coverage, Maternity Benefits, Newborn Baby Cover, and more.

Unique Features

  • Worldwide cover
  • Daycare Procedures Covered
  • OPD cover

Health Shield 360 (Pros)

  • Wellness Benefits
  • Pre Hospitalization Cover
  • Post Hospitalization Cover
  • Compassionate Visit
  • No-claim Bonus

Health Shield 360 (Cons)

  • Obesity/ weight control
  • Change of gender treatments
  • Cosmetic or plastic surgery
  • Hazardous or adventure sports
  • Breach of law

Health Shield 360 (Other Benefits)

  • Automatic Restoration
  • Organ Donor cover
  • Reset Benefits
  • Additional sum insured option
  • Air Ambulance

Health Shield 360 (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 75 Years
  • SI - 75 L - 1 Crore
  • Waiting Period - 30 Days

ICICI Lombard Complete Health Plan: FAQs

1. Which Critical Illness are covered under the ICICI Lombard Complete Health- Critical Illness Rider?

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

2. Is there any sort of Renewal condition available under ICICI Lombard Complete Health Insurance Plan?

The plan offers Life-long renewability without any age restriction. However, the premium payable may change with the growing age.

3. Are there any discounts available on ICICI Lombard Complete Health Plan?

Yes, the plan offers 10% on your health insurance premium if you buy this policy for 2 years' tenure.

4. How many Health check-ups can I avail in 1 policy year under Complete Health Insurance ICICI Lombard?

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.

5. Will I get any reward in ICICI Lombard Complete Health Insurance Plan if I quit smoking?

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

6. Which Specific Disease/ procedures are not covered under the plan?

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

7. Can I avail of Tax Benefits under the ICICI Complete Health Insurance Policy?

Yes, one can avail of Tax Benefits under Section 80D of the Income Tax Act 1961.

8. What other value-added services are available under ICICI Lombard Complete Health Plan?

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.

9. Does the plan offer any Emergency Services?

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.

10. I am a 30-year-old female. Do I need to undergo any sort of medical tests before buying ICICI Complete Health Plan?

No, the plan does not require any pre-medical check-up up to 45 years

11. Are there any specific documents that I need to provide at the time of claims for Personal Accidents?

Yes, you or your nominee needs to furnish the following documents during the claim submission:

In Case of Death In the case of Permanent Total Disability
  • Policy Copy
  • Claim form duly filled & signed by Nominee
  • Post Mortem Report (certified copies) - as applicable and wherever conducted
  • F.I.R. or Death report or Inquest Panchnama (in original or certified copies)
  • Spot Panchnama (certified copies) - if applicable
  • Death certificate (in original or certified copy)
  • Any other document may be required by the company.
  • Policy Copy
  • Claim form duly filled & signed by You
  • Disability certificate - by an authorized Medical Practitioner of the district/ units concerned, stating the percentage of disablement
  • F.I.R. and Panchnama wherever applicable (original or certified copies)
  • Medical report
  • Original bills, receipts, and discharge certificate/card from the Hospital/Medical Practitioner
  • Original bills from chemists supported by proper prescription
  • Investigation reports like laboratory tests, X-rays, and reports essential of confirmation of the type and percentage of disability and payment receipts
  • Photo of Insured Person showing the disability
  • Any other document may be required by the company.

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