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.

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

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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:

ICICI Lombard Complete 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

ICICI Lombard Golden Shield Plan

Golden Shield is a new senior citizen plan that covers unforeseen 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 Entry Age -No Upper age limit
SI - 3 L to 10 L
Waiting Period -24 Months

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 up to 25% of SI
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

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 conditions

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

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 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

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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.

ICICI Lombard Health Insurance Reviews

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

aditya

Nagpur

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.

Jubin Katyal

Agra

September 8, 2021

Very Good company ICICI. I am impressed with their services. I will recommend this compnay from my side

Aditya Kapoor

Mumbai

September 6, 2021

I really like the plans from ICICI Lombard as they have comprehensive and affordable plans. Nice ICICI

Prakash

Dehradun

August 31, 2021

happy to buy a plan from ICICI, their customer support is very helpful and very supportive, even helped me in my claim settlement.

Karan Mehta

Coimbatore

May 24, 2021

Thank you policyx for guiding me and resolving my queries related to icici lombard. Really happy the way they treat their customers. I have suggested this plan to my sister also

Sanam Mehta

Chennai

May 24, 2021

Today i got my refund of claim reimbursement and today is the best day of life.All credit goes to policyx as they are very nice

Karan Mehta

Coimbatore

May 21, 2021

Thank you policyx for guiding me and resolving my queries related to icici lombard. Really happy the way they treat their customers. I have suggested this plan to my sister also

Sanam Mehta

Chennai

May 21, 2021

Today i got my refund of claim reimbursement and today is the best day of life.All credit goes to policyx as they are very nice

View All ICICI Lombard Health Insurance Reviews

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.

Confused? No Worries, We Are Here To Help!

ICICI Lombard Group Health Insurance

ICICI Lombard Group Health Insurance Specifications

Entry Age

Adult Entry Age.

Policy Term

Plan Type

Sum Insured

Initial Waiting Period*

ICICI Lombard Group Health Insurance Benefits

Choose ICICI Lombard Health Insurance Plan for

ICICI Lombard Group Plan Exclusions

Health Insurance Companies

Explore ICICI Lombard Health Insurance

Explore more plans from ICICI Lombard

ICICI Lombard Golden Shield Plan

Golden Shield Plan (Pros)

Golden Shield Plan (Cons)

Golden Shield Plan (Other Benefits)

Golden Shield Plan (Eligibility Criteria)

ICICI Arogya Sanjeevani Policy

Arogya Sanjeevani Policy (Pros)

Arogya Sanjeevani Policy (Cons)

Arogya Sanjeevani Policy (Other Benefits)

Arogya Sanjeevani Policy (Eligibility Criteria)

Corona Kavach Plan

Corona Kavach Plan (Pros)

Corona Kavach Plan (Cons)

Corona Kavach Plan (Other Benefits)

Corona Kavach Plan (Eligibility Criteria)

Health Booster(Top UP Plan)

Health Booster (Pros)

Health Booster (Cons)

Health Booster (Other Benefits)

Health Booster (Eligibility Criteria)

Personal Protect Plan

Personal Protect Plan (Pros)

Personal Protect Plan (Cons)

Personal Protect Plan (Other Benefits)

Personal Protect Plan (Eligibility Criteria)

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