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ICICI Lombard Health Insurance
ICICI Lombard Health Insurance
ICICI Lombard Group Health Insurance
ICICI Lombard Group insurance is a type of insurance plan that covers ...Read More
Up to 3 Crores
Sum insured
1
No. of plans
320+
Pan India presence
97.16%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,710 reviews
🏥 10,600+ hospitals
📊 2.69 solvency ratio
✅ 97.16% claim settlement
About ICICI Lombard Group Health Insurance
A quick read on what this ICICI Lombard Health Insurance plan covers and why it might be a fit for you.
ICICI Lombard Group insurance is a type of insurance plan that covers many people in the same proximity, for example, employee-employer, bank customers, and office or society members. Irrespective of their age, gender, occupation or socio-economic status, these plans provide the same extent of insurance coverage to all members of a group. Companies often provide group health insurance coverage to their employees and their dependents, offering monetary security.
The ICICI Lombard Group Health Insurance plan provides health insurance coverage to a group of people with common features or attributes. ICICI Lombard is one of the top health insurance companies in India. With over 6,700+ network hospitals and a claim settlement ratio of 97.07%, it is considered a trustworthy company. Their group health insurance plan is an all-inclusive plan with many additional benefits. Let's look at the plan specifications.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
Min- 180 days, Max- 95 years
Plan type
Group Health Insurance
Sum insured options
₹1 L, ₹2 L, ₹5 L, ₹8 L, ₹10 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1 Year
*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
- Tax benefit
- Less waiting period
- Hospital coverage
- Wide range coverage
Cons
- Pre-existing diseases
- Hazardous or adventure sports
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization 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 Covered
- New-born baby cover Covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Covered
- E-consultation Covered
- Health check-up Covered
- Second medical opinion Covered
- Vaccination Covered
Conditions & global
- Co-payment Applicable
- Sub-limits Applicable
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
ICICI Lombard Health Insurance Review
ICICI Lombard Group Health Insurance Benefits
ICICI Lombard Group Health Insurance offers multiple advantages that policyholders can avail.
- Tax Benefits
The amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961. - Less Waiting Period
With ICICI Lombard Group Health Insurance, policyholders get a waiting period of 30 days. If diseases or illnesses are pre-existing at the time of proposal, they will not be covered during subsequent policy renewals. - Hospitalisation Coverage
Policyholders receive coverage for hospitalization and related services such as OPD charges, oxygen, blood, anesthesia, doctor's fees, surgeon's fees, intensive care unit charges, boarding, and nursing expenses incurred during hospitalization for a minimum period of 24 hours. - Wide Range Coverage
Policyholders get a wide range of Sum Insured options, from ₹1,00,000 to ₹10,00,000. - Cashless Benefit
Policyholders can avail cashless treatment at over 6,700+ network hospitals. - Day Care Treatment
ICICI Lombard covers medical expenses incurred by the insured or network provider for daycare treatment. This includes medical and/or surgical procedures that would otherwise require hospitalization for more than 24 hours. - Floater Benefit
The insured can avail a floater cover, extending coverage to immediate family members for the same Sum Insured under a single policy by paying one premium amount. - Multiple Coverage Options
Policyholders get multiple coverage options, including Individual & Family Floater, covering you, your legal spouse, and two legal & dependent children.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Pre-Existing Diseases
- Illnesses diagnosed within the first 30 days of the policy.
- Expenses for treatment of specific diseases and illnesses such as Cataracts, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Congenital Internal Diseases, Fistula in the anus, piles, Sinusitis and related disorders during the first year of the policy.
- Gender reassignment treatment expenses, including surgical management, to change physical characteristics to those of the opposite sex.
- Injuries from hazardous or adventure sports.
- Treatment expenses arising from or consequent upon any insured person committing or attempting to commit a breach of law with criminal intent.
- Cosmetic or plastic surgery for aesthetic purposes.
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Min entry age: 18 years
- Max entry age: 65 years
- Initial Waiting Period: 30 days
- Sum Insured: Up to ₹50 Lakhs
Other features & benefits
- Cashless benefit
- Day care treatment
- Floater benefit
ICICI Lombard Group Health Insurance Plan: FAQs
The 5 most-asked questions about ICICI Lombard Group Health Insurance, answered.
No, ICICI Lombard Group Health Insurance does cover maternity charges. It covers medical treatment expenses traceable to childbirth including complicated deliveries and cesarean sections incurred during hospitalization, except ectopic pregnancy. Expenses towards miscarriage are also included.
No, ICICI Lombard Group Health Insurance does not cover Air Ambulance charges.
Yes, ICICI Lombard Group Health Insurance does not cover ICU charges.
No, policyholders are not covered for COVID-19 under ICICI Lombard Group Health Insurance.
ICICI Lombard Group Health Insurance policyholders get a waiting period of 30 days.
Conclusion
A flexible group health plan designed for companies and employees, offering comprehensive coverage a
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