ICICI Lombard Health AdvantEdge Plan: Benefits & Premiums | PolicyX
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ICICI Lombard Health Insurance ICICI Lombard Health Insurance ★ 4.4

AdvantEdge Plan

The ICICI Lombard Health AdvantEdge Plan is a comprehensive health ins ...Read More

Up to 3 Crores
Sum insured
320+
Pan India presence
97.16%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,714 reviews
🏥 10,600+ hospitals
📊 2.69 solvency ratio
✅ 97.16% claim settlement
Written by Simran Kaur Vij
Reviewed by Sharan Gurve
Published: 18 Nov 2024
Updated: 27 Jul 2026
Expert Verified
IRDAI Licensed

Overview of ICICI Lombard Health AdvantEdge Plan

The ICICI Lombard Health AdvantEdge plan is a comprehensive health insurance plan designed to cater to all your healthcare needs. It secures your loved ones with a multitude of features, including:

  • Restoration Benefit
  • Cumulative Bonus
  • Health Rewards
  • Domestic Air Ambulance
  • Newborn and Vaccine Cover
  • Maternity Cover
  • PED Cover
  • Personal Accident Cover

The policy provides a wide range of sum insured options and offers additional cover against 20 critical illnesses, including cancer. Maternity insurance for both mother and newborn is available as an add-on for individuals who opt for a Sum Insured above ₹5 Lakhs. The policy offers all-around healthcare with value-added services like wellness programs, through which policyholders can earn benefits by adopting healthy habits.

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

ICICI Lombard Health AdvantEdge

ICICI Lombard Health AdvantEdge

ICICI Lombard Health Insurance

ICICI Lombard Health Insurance

ICICI Lombard Health Insurance Review

ICICI Lombard Health Insurance Review

Benefits of ICICI Lombard Health AdvantEdge

The ICICI Lombard Health AdvantEdge plan offers a multitude of features and benefits to its customers, allowing them to customize the health plan as per their requirements:

Wellness and Value-Added Services

There are multiple wellness rewards and features associated with:

  • Health rewards
  • Medical condition management programs
  • Video/tele-consultations
  • Telemedicine
  • Pharmacy and diagnostic services
  • Online chat with doctors
  • Doctors on call
  • Health assistance
  • Ambulance assistance
  • Discounts on services/products

Worldwide Cover

The ICICI Lombard Health AdvantEdge plan offers coverage for hospitalization expenses incurred outside India, including the USA and Canada, up to the amount specified in the policy schedule, subject to terms and conditions.

Home Care Treatment

The ICICI Lombard Health AdvantEdge plan covers medical expenses incurred by the insured person on home care treatment up to 5% of the Sum Insured, with a maximum limit of ₹25,000, subject to terms and conditions.

Tax Benefits

Premiums paid for the Health AdvantEdge plan are eligible for tax benefits under the Income Tax Act of India.

Key Features of ICICI Lombard Health AdvantEdge Plan

Feature Details
Network Hospitals Over 6,700
No-claim Bonus Applicable, 20% to 100% of SI
Health Checkup Annual, starting from the 1st year

Exclusions of ICICI Lombard Health AdvantEdge Plan

The ICICI Health AdvantEdge Health Plan has certain exclusions, which are mentioned below:

  • Hospitalization due to war, riot, strike, or nuclear weapons
  • Intentional self-injury
  • HIV/AIDS
  • Miscarriage and abortion
  • Congenital diseases
  • Infertility and in-vitro fertilization (IVF)

ICICI Health AdvantEdge Plan Premium Table

Adult 1

Sum Insured Premium (In Rs.)
5 L 7,433
20 L 12,839
40 L 16,897
1 Cr 23,131
3 Cr 47,737

Adult 1+1

Sum Insured Premium (In Rs.)
5 L 10,330
20 L 17,793
40 L 23,482
1 Cr 32,163
3 Cr 66,207

Adult 2+1

Sum Insured Premium (In Rs.)
5 L 12,586
20 L 21,623
40 L 28,561
1 Cr 39,141
3 Cr 80,423

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 - 65 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹5 L, ₹10 L, ₹20 L, ₹40 L, ₹75 L, ₹1 L, ₹2 L, ₹3 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1/2/3 Years

*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

  • Restoration Benefit
  • Cumulative Bonus
  • Health Rewards
  • Domestic Air Ambulance

Cons

  • OPD Cover
  • Second medical opinion
  • Modern treatment
  • IVF treatment cover

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Not 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 Not covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Not covered
  • Vaccination Covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Covered

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry Age: 18: 65 years
  • SI: 5 L to 3 Cr
  • Initial waiting period: 30 days

Frequently Asked Questions

The 5 most-asked questions about AdvantEdge Plan, answered.

The health advantedge health insurance plan has an entry age criteria as follows: Adults - 18 to 65 Years Dependent Children - 91 Days to 25 Years
The various sum insured options available under the plan for customers range between 5 Lakhs to 3 Crores.
Yes, the premiums paid towards the ICICI Health AdvantEdge are eligible for tax benefits under the Income Tax Act of India.
Yes, global cover is available under the plan only for sum insured value of INR 25 Lakhs and above.
Yes, the maternity and new born baby cover is available under the plan.

Conclusion

Best for urban families and professionals wanting unrestricted, comprehensive health coverage.

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