ICICI Lombard Critical Illness
  • Cover 20+ Critical Illnesses
  • Avail Wellness Programs
  • Day Care Treatments
ICICI Lombard Health Insurance

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Incurred claim ratio



Sum insured

Up to 1 CR


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

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Network hospitals



Incurred claim ratio



Sum insured

Up to 1 CR


No. of Plans



Solvency Ratio



Pan India Presence


ICICI Lombard Critical Illness

Critical Illness Insurance plans are designed to protect the policyholder against the expenses that may occur during the treatment of any of the listed critical illnesses in a certain policy. At present, there are several health insurance plans that provide coverage against critical illnesses with an in-built cover or provide you with a critical illness optional cover. ICICI Lombard critical illness plans are a versatile option when it comes to safeguarding yourself against multiple critical illnesses.

ICICI Lombard Critical Illness plans cover essentials such as doctor consultation fees, medicines, ambulance costs, and room rent along with pre and post-hospitalization expenses. ICICI Critical Illness policy also aids in paying the EMIs of loans if any. If you have any outstanding loans like a home loan or a car loan, ICICI critical illness policy aids you in clearing the same along with protecting you from critical illnesses.

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Key Benefits of ICICI Lombard Critical Illness

ICICI Lombard Critical Illness policy offers policyholders the financial support they need and helps keep their hard-earned savings intact for their respective objectives.

  • Tax-Benefit
    When you invest in an ICICI Critical Illness Policy you are eligible to avail of tax benefits under Sections 80C & 80D of the Income Tax Act, 1961.
  • Cover multiple Critical Illnesses
    With ICICI Lombard Critical Illness Policy policyholders can avail coverage for themselves and their loved ones against over 34 critical illnesses.
  • Disability Protection
    Under ICICI Critical Illness Policy policyholders get continued coverage without having to pay any premiums in case of permanent disability due to an accident.
  • Hassle-free hospitalization
    ICICI Critical Illness Policy is designed carefully to cater to the medical needs of policyholders, which involves seamless hospitalization and a hassle-free process. ICICI Lombard ensures cashless hospitalization in their wide chain of network hospitals across the country.
  • Organ Donor & Critical Illness Benefit
    ICICI Critical Illness Plans cover you in difficult times of medical extremities such as organ donation and critical illness. ICICI Critical Illness offers a lump sum benefit of up to 100% of the sum insured for a plan with SI up to INR 10 lac for critical illness cover.

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ICICI Lombard Critical Illness Plans

ICICI Lombard offers multiple Health Insurance Plans for covering critical illnesses for you and your family.

Family Health Insurance

A comprehensive health insurance plan that covers you & your family's healthcare needs with a wide range of SI (2 Lakhs to 50 Lakhs)

Unique Features

  • Available in 4 different variants
  • 100% Automatic Restoration of SI
  • Riders for enhanced coverage


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

Standard Health Insurance

ICICI Lombard Health AdvantEdge is a holistic plan that covers the policyholder against 20 critical illnesses including cancer.

Unique Features

  • New Born Baby and Vaccine Cover
  • Domestic Air Ambulance
  • 24x7 video/telephone consultation

Other Critical Illness Health insurance companies

Health Insurance Companies

ICICI Lombard Critical Illness Plans Eligibility Criteria

Entry Age

Minimum: 18 Years

Adult Entry Age.

Maximum: 65 Years

Policy Term

1/2 Years

Plan Type

Individual/ Family Floater

Sum Insured

2 L |3 L | 4 L | 5 L | 7 L | 10 L | 15 L | 20 L | 25 L | 30 L | 50 L | 75 L | 1 Cr | 1.5 Cr | 2 Cr | 3 Cr

Initial Waiting Period*

30 Days*

ICICI Lombard Critical Illness Plan- Illnesses Covered

The list of ailments covered under the ICICI Lombard Critical Illness Plan is as follows:

  • Cancer of Specified Severity
  • Myocardial Infarction (First Heart Attack of Specified Severity)
  • Coronary Artery Disease
  • Open Chest CABG
  • Open Heart Replacement or Repair of Heart Valves
  • Surgery to Aorta
  • Stroke resulting in Permanent Symptoms
  • Kidney Failure requiring Regular Dialysis
  • Aplastic Anaemia
  • End Stage Lung Disease
  • End Stage Liver Failure
  • Coma of Specified Severity
  • Third Degree Burns
  • Major organ /bone marrow transplant
  • Multiple Sclerosis with Persisting Symptoms
  • Fulminant Hepatitis
  • Motor Neurone Disease with Permanent Symptoms
  • Primary Pulmonary Hypertension
  • Terminal Illness
  • Bacterial Meningitis

ICICI Lombard Critical Illness Plan Inclusions

Inclusions of ICICI Lombard Critical Illness Plan include:

Pre and post hospitalization expenses

Annual Health Check-up

Daycare Treatments

COVID-19 treatment

Ambulance cover

AYUSH coverage

Domiciliary Hospitalisation

ICICI Lombard Critical Illness Plan Exclusions

Exclusions of ICICI Lombard Critical Illness Plans include:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury


Adventure Sports Injuries

Cosmetic or obesity-related surgeries

Explore ICICI Lombard Critical Illness Plans

To cater to the different medical needs of an individual & their family, ICICI Lombard offers several Health Plans. Along with ICICI Lombard Critical Illness Policy, there are other plans to choose from. Take a look below to explore more:

Standard Health Insurance

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

Personal Accident

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

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

ICICI Lombard Critical Illness: FAQs

1. Does ICICI Lombard have any plans dedicated to critical illnesses?

Yes, ICICI Lombard offers Critical Illness plans that cover over 20+ critical illnesses. Additionally, ICICI Lombard offers plans that have additional critical illness covers such as ICICI Lombard Health Booster Plan.

2. Do policyholders need to go through any pre-policy medical check-ups before purchasing ICICI Lombard critical illness plans?

No, policyholders below the age of 45 years do not require to undergo any pre-policy medical check-up to purchase ICICI Lombard Critical Illness Plans.

3. What is the tenure for ICICI Lombard Critical Illness Policy?

ICICI Lombard Critical Illness Plans have policy tenures for 1 and 2 years depending on the plan term you chose.

4. What happens if a policyholder forgets to renew their ICICI Lombard Critical Illness Policy?

A grace period of 30 days is provided to policyholders in case they forget to renew their ICICI Lombard Critical Illness Policy after which the policy lapses.

5. Can policyholders cancel their ICICI Lombard Critical Illness Policy?

Yes, ICICI Lombard provides a 15-day free look period during which policyholders may cancel their policy.

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

Anita Sandhu


March 18, 2024

A user-friendly platform with a lot of useful information with a helpful approach. The team of PolicyX went the extra mile to answer my questions related to ICICI Lombard Health Insurance Polic...

Customer Review Image

Khushpreet Singh


March 18, 2024

I bought my ICICI Lombard health insurance plan 4 years ago, and every year the team at PolicyX helps me to renew the plan. Thank you PolicyX for taking care like family.

Customer Review Image

Arjun Palta


February 28, 2024

I connected to the team member of PolicyX when I was looking for the best health insurance policy. They helped me buying ICICI Lombard health insurance plan for my family. They made it easier f...

Customer Review Image

Vayu Sharma


February 26, 2024

The insurance team at PolicyX was so helpful while purchasing my health insurance from ICICI Lombard Health Insurance.

Customer Review Image

Nipun Singh


February 26, 2024

I needed to apply for a claim settlement for my ICICI Lombard Health Insurance Policy. PolicyX helped me to get the reimbursement very soon.

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

Kalpana Pushkar


February 9, 2022

ICICI Lombard s individual health insurance plan is an excellent one that provided me with complete coverage at affordable rates.

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

View All ICICI Lombard Health Insurance Reviews

Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.