ICICI Lombard Free Health Checkup
  • Benefits of health check-up
  • How to apply for free check-up
  • Annual health check-up list
ICICI Lombard Health Insurance

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Up to 1 CR


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Pan India Presence


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Network hospitals



Incurred claim ratio



Sum insured

Up to 1 CR


No. of Plans



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Pan India Presence


Introduction to ICICI Lombard free health check-up

The confirmation that we will be healthy for years to come can easily be found out nowadays! Thanks to the availability of health insurance plans that offer free/preventive health check-ups. A routine health check-up mainly consists of urine, blood, lipid profile, blood pressure, blood sugar level tests, ECG, deficiency of vitamins, liver and kidney functioning, metabolic and hormonal imbalances, etc. For a healthy being, it's necessary to be fit at all these levels.

ICICI Lombard offers several health insurance plans that cover medical tests without adding extra charges to the policy premiums.

Read this article to know more about ICICI Lombard free health check-up, plans that offer this facility, and how to avail of a free health check-up.

Benefits of ICICI Lombard free health check-up?

Here are some benefits of getting a free or annual health check-up under your ICICI Lombard health insurance policy:

  1. Detection of potential disease

    ICICI Lombard free health check-up promotes the recognition of an ailment at an early stage. Hence, minimizing the risk of any upcoming health complications.

  2. Promotes good lifestyle

    Going through a routine health check-up inspires you to maintain a healthy lifestyle, work out more often, ditch junk food, eat healthy, and reduce/quit unhealthy habits.

  3. Motivates to avoid stressing out

    If you have a health insurance plan with complimentary annual health check-up coverage at no additional cost, it saves you from stressing out about future health worries.

  4. Ensures financial safety

    Full body check-ups might cost you a hefty amount, and sometimes it's not affordable for everyone. A health insurance policy with free annual health check-ups comes in handy.

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List of free health check-ups under ICICI Lombard Health Insurance

Free medical check-ups are subject to the coverage mentioned in your policy schedule. However, here's a generic list of the free medical check-ups under the ICICI Lombard health insurance policy:

  • Urine Analysis
  • Blood Pressure Test
  • Blood Sugar Test
  • Liver Function Test
  • Lipid Profile
  • Kidney function test
  • Lung function test
  • Tests for Vitamin Deficiencies

How can you apply for ICICI Lombard's free health check-up?

Here are a few steps that can help you avail of the free health check-ups with the base health insurance plan:

  • Opt for health insurance plans that cover annual free check-ups under the base cover (without additional cost).
  • Check your eligibility for receiving the free health check-up, and read the policy wording carefully while buying the policy.
  • Schedule a health check-up and get a recorded assessment of your health status at regular intervals.
  • You will be given either a cashless medical diagnosis (in networking hospitals) or a reimbursement (in non-networking hospitals) depending on the terms of your policy.

ICICI Lombard health plans with coverage for annual health checkups

Below are some of the plan under ICICI Lombard Health Insurance that provides free annual or preventive health check-ups:

  • ICICI Lombard Health AdvantEdge
  • ICICI Lombard Health Booster Policy
  • ICICI Lombard Golden Shield Senior Citizen plan
  • ICICI Lombard MaxProtect (with Premium plan)

To know more, go to the official website of ICICI Lombard. You can also reach out to their customer care at +1800 2666 or email at customersupport@icicilombard.com.

If you still need help, reach out to the customer care of PolicyX.com. Or you can directly contact our expert insurance advisors at 1800-4200-269.

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 Free Health Check-Up: FAQs

1. What is a complimentary health check-up?

Complimentary health check-ups are common tests like ECG, complete blood count, lipid profile, urine test, thyroid profile, fasting blood sugar and others which are important to diagnose any specified/critical disease or ailment at an early stage.

2. Can the result of my health check-up affect my ICICI Lombard policy's premium?

No. Your medical reports related to annual or preventive health check-ups cannot affect your premiums (unless you have a pre-existing disease). Your policy's premium stays the same as it's quoted at the time of policy issuance.

3. What should I consider before buying a health insurance policy for free health check-ups?

Things to consider while buying a health insurance policy for complimentary health check-ups are:

  • Frequency of health checkups in a policy year
  • No claim health check-up clause (voluntary)
  • Cashless check-up facility at networking/service-providing centres
  • Physical and medical check-up coverage
  • Annual health check-ups are based on the limit of the sum insured, so check it too

4. Does ICICI Lombard health insurance cover annual health check-ups?

Multiple health plans under ICICI Lombard provide annual or preventive health check-ups, some of them are:

  • ICICI Lombard Health AdvantEdge
  • ICICI Lombard Health Booster Policy
  • ICICI Lombard Golden Shield Senior Citizen plan
  • ICICI Lombard MaxProtect (with Premium plan)

5. Can I get a reimbursement for an annual health check-up under the ICICI Lombard health plan?

Depending on the conditions of your policy and the plan type (governing the expenses of annual health check-ups), you can avail of this benefit.

Health Insurance Companies

ICICI Lombard Health Insurance Reviews

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

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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...

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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.

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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...

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Vayu Sharma


February 26, 2024

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

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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.

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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.

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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.

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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

Simran Nirala

Written By: Simran Nirala

Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.