ICICI Lombard Group Health Insurance
  • Large Sum Insured
  • Daycare Treatment
  • Floater Benefit
ICICI Lombard Health Insurance

Network hospitals



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

Age of Eldest Member


Network hospitals



Incurred claim ratio



Sum insured

Up to 1 CR


No. of Plans



Solvency Ratio



Pan India Presence


ICICI Lombard Group Health Insurance

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 cover to all members of a group. We can see the live example of group insurance in the organization, companies often provide group health insurance coverage to their employees and their dependents or family. So the group insurance policy helps take care of the monetary security of the employees.

When talking about group health insurance, we must discuss that 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 best health insurance companies in India. With more than 6700+ network hospitals and a claim settlement ratio of 97.07%, it is counted among the trustworthy companies. Their group health insurance plan is an all-inclusive plan with many additional benefits. Let's have a look at the plan specifications.

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ICICI Lombard Group Health Insurance Specifications

Entry Age

Minimum:180 Days

Adult Entry Age.

Maximum: 95 Years

Policy Term

1 year

Plan Type

Individual/Family Floater

Sum Insured

1 L | 2 L | 3 L | 4 L | 5 L | 6 L | 7 L | 8 L | 9 L | 10 L

Initial Waiting Period*

30 days / 1 year for specified diseases.

*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.

ICICI Lombard Group Health Insurance Benefits

ICICI Lombard Group Health Insurance has multiple advantages that policyholders can avail after the purchase.

  • 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 and if these diseases or illnesses are pre-existing at the time of proposal, they will not be covered during the subsequent renewal of the policy.
  • Hospitalisation Coverage
    Policyholders get coverage for hospitalization and other services such as OPD charges, oxygen, blood, Anesthesia, doctor’s fees, surgeon, intensive care unit charges, boarding and nursing expenses and more incurred by the policyholder during the hospitalization for a minimum period of 24 hours.
  • Wide Range Coverage
    Policyholders get a Wide Coverage of the Sum Insured.from 10,0000-10,00000.
  • Cashless Benefit
    When an individual purchases ICICI Lombard Group Health Insurance he can get cashless treatment at over 6,700+ Network Hospitals.
  • Day Care Treatment
    ICICI Lombard pays the insured or network provider for the medical expenses incurred by the Insured while undergoing daycare treatment. It involves the medical treatment, and/or Surgical Procedure which would have otherwise required hospitalization of more than 24 hours
  • Floater Benefit
    The Insured can avail a floater cover and get immediate family covered for the same Sum Insured under a single policy by paying one premium amount.
  • Policyholders get Multiple Coverage Options – Individual & Family Floater, you and your legal spouse and two legal & dependent children.

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ICICI Lombard Group Plan Exclusions

Pre-Existing Diseases

Any illness within 30 days

The expenses for treatment of diseases, 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 operation of this policy

Gender treatment expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex.

Hazardous or Adventure sports

Breach of law-Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent.

Cosmetic or plastic Surgery -any treatment to change the appearance

Health Insurance Companies

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

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


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

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

Senior Citizen Plan

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

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 Group Plan: FAQs

1. Does ICICI Lombard Group Health Insurance cover Maternity charges?

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.

2. Does ICICI Lombard Group Health Insurance cover Air Ambulance charges?

No, ICICI Lombard Group Health Insurance does not cover Air Ambulance charges.

3. Does ICICI Lombard Group Health Insurance cover ICU charges?

Yes, ICICI Lombard Group Health Insurance does not cover ICU charges.

4. Do policyholders get a cover against COVID-19 under ICICI Lombard Group Health Insurance?

No, policyholders are not covered for COVID-19 under ICICI Lombard Group Health Insurance.

5. What is the waiting period for ICICI Lombard Group Health Insurance?

ICICI Lombard Group Health Insurance policyholders get a waiting period of 30 days.

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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.