Network hospitals
7500+
Incurred claim ratio
77.33%
Sum insured
Up to 1 CR
No. of Plans
8
Solvency Ratio
2.5
Pan India Presence
300+
Network hospitals
7500+
Incurred claim ratio
77.33%
Sum insured
Up to 1 CR
No. of Plans
8
Solvency Ratio
2.5
Pan India Presence
300+
ICICI Lombard Health AdvantEdge plan is a comprehensive health insurance plan designed to cater to all your health care needs. A family health insurance that secures your loved ones with a multitude of features including:
The policy provides a wide range of sum insured options and provides an additional cover against 20 critical illnesses including cancer. These add-ons also include maternity insurance for both mother and the newborn baby is available for individuals who opt for Sum Insured above 5 Lakhs. The policy offers all-around health care with value-added services like wellness programs through which policyholders can avail rewards by adapting to healthy habits.
ICICI Lombard Health Insurance Review
ICICI Lombard Health Insurance
ICICI Lombard Health AdvantEdge
Network Hospitals | 6700+ |
No-claim Bonus | Applicable, 20% to 100% of SI |
Health Checkup | Annual; Starting from the 1st year |
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:
Minimum Child: 91 Days to 25 Years Adult: 18 Years
Maximum: 65 Years
5 L | 7.5 L | 10 L | 15 L | 20 L | 25 L | 30 L | 40 L | 50 L | 75 L | 1 Cr | 1. 5 Cr | 2 Cr | 3 Cr
Individual/ Family Floater
1/2/3 Years
30 Days*
*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.
ICICI Health Advantedge Insurance plan offers a wide scope of coverage to its customer and we have discussed the same in detail below:
Coverage for SI: 5 L - 3 Cr
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Available up to 60 Days
Post-Hospitalization
Available for up to 180 days
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
Not Covered
No Claim Bonus
Available up to 100% SI
Automatic Restoration
100% of the base SI
Daily Hospital Cash
Covered
Organ Donor
Covered up to SI
Maternity Cover
Covered
New Born Baby Cover
Covered
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Not Covered
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Not Covered
Global Coverage
Covered
E-Consultation
Covered
Health Check-Up
Covered
Second Medical Opinion
Not Covered
Vaccination
Covered
Co-payment
Optional
Sub-limits
Not Applicable
Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common Room categories covered under room rent are:
Coverage status under ICICI Health AdvantEdge Plan?
Under ICICI Health AdvantEdge Plan, the room rent is covered up to SI.
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under ICICI Health AdvantEdge Plan?
Under ICICI Health AdvantEdge Plan, the ICU charges coverage is available up to S.I.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under ICICI Health AdvantEdge Plan?
Under ICICI Health AdvantEdge Plan, pre-hospitalization is covered for up to 60 days.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under ICICI Health AdvantEdge Plan?
ICICI Health AdvantEdge Plan covers medical expenses incurred during post-hospitalization for 180 Days.
Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.
Coverage status under ICICI Health AdvantEdge Plan?
ICICI Health AdvantEdge Plan covers domiciliary hospitalizations up to SI.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under ICICI Health AdvantEdge Plan?
ICICI Health AdvantEdge Plan covers expenses of all daycare procedures up to SI.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.
Coverage status under ICICI Health AdvantEdge Plan?
OPD Charged are not covered under ICICI Health AdvantEdge Plan.
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under ICICI Health AdvantEdge Plan?
Covid-19 Covered.
A common eye condition in which your vision gets blurred.
Coverage status under ICICI Health AdvantEdge Plan?
ICICI Health AdvantEdge Plan does not cover Cataract Treatment.
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under ICICI Health AdvantEdge?
ICICI Health AdvantEdge Plan offers an additional 20% to the sum insured as a no-claim bonus for each claim-free year, a maximum of up to 100% of the sum insured.
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under ICICI Health AdvantEdge Plan?
ICICI Health AdvantEdge Plan offers automatic restoration benefits equal to 100% of the base Sum Insured.
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under ICICI Health AdvantEdge Plan?
The Daily hospital cash is available under ICICI Health AdvantEdge Plan.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under ICICI Health AdvantEdge Plan?
Under the plan ICICI Health AdvantEdge Plan the organ donor expenses are covered up to SI.
It refers to the cover that includes expenses for normal and c-section procedure deliveries.
Coverage status under ICICI Health AdvantEdge Plan?
Under the ICICI Health AdvantEdge Plan Maternity Cover is available up to 10% of base SI subject to a maximum of 10 lakhs as an optional cover.
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new borncover and these common treatments can vary from plan to plan:
Coverage status under ICICI Health AdvantEdge Plan?
Under the ICICI Health AdvantEdge Plan, the newborn baby cover is available twice the maternity cover limit per newly born child over and above the maternity limit as an optional cover.
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under ICICI Health AdvantEdge Plan ?
Under the ICICI Health AdvantEdge Plan, AYUSH treatment is covered up to SI.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under ICICI Health AdvantEdge Plan?
Under the ICICI Health AdvantEdge Plan, IVF is not available.
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under ICICI Health AdvantEdge Plan?
Under the ICICI Health AdvantEdge Plan, modern treatment is not covered.
An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.
Coverage status under ICICI Health AdvantEdge Plan?
Under the ICICI Health AdvantEdge Plan, ambulance cover is available.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under ICICI Health AdvantEdge Plan?
Under the ICICI Health AdvantEdge Plan, the air ambulance is covered Upto SI
Refers to the traveling expenses of a family member of the insured person in case the policyholder gets admitted to a hospital outside his/her residential city.
Coverage status under ICICI Health AdvantEdge Plan?
Under the ICICI Health AdvantEdge Plan, compassionate travel is not covered.
Any kind of medical/health emergency when you are outside of India.
Coverage status under ICICI Health AdvantEdge Plan?
Under the ICICI Health AdvantEdge Plan, global coverage is covered for SI 25 Lakhs & above only.
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under ICICI Health AdvantEdge Plan?
Under the ICICI Health AdvantEdge Plan, E-consultation is covered.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.
Coverage status under ICICI Health AdvantEdge Plan?
Under the ICICI Health AdvantEdge Plan, a health check-up is available Annually, Starting from the 1st year/ up to 0.5% of SI or up to a max of ₹10,000 on a cashless basis.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage status under ICICI Health AdvantEdge Plan?
ICICI Health AdvantEdge Plan does not cover the expenses for a second medical opinion.
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under ICICI Health AdvantEdge Plan?
ICICI Health AdvantEdge Plan covers vaccination expenses up to 1% of the base SI per newly born child, max upto ₹10,000.
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Status under ICICI Health AdvantEdge?
Option to choose from 10% and 20%.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
Status under ICICI Health AdvantEdge?
No sub-limits are available.
Icici Health AdvantEdge Health Plan has certain exclusions that are mentioned below:
Below calculated are the premiums for ICICI Health AdvantEdge Health Insurance
Sum Insured | 5 L | 20 L | 40 L | 1 Cr | 3 Cr |
Premium (In Rs.) | 7,433 | 12,839 | 16,897 | 23,131 | 47,737 |
Sum Insured | 5 L | 20 L | 40 L | 1 Cr | 3 Cr |
Premium (In Rs.) | 10,330 | 17,793 | 23,482 | 32,163 | 66,207 |
Sum Insured | 5 L | 20 L | 40 L | 1 Cr | 3 Cr |
Premium (In Rs.) | 12,586 | 21,623 | 28,561 | 39,141 | 80,423 |
Icici Lombard Health AdvantEdge plan is a versatile plan with a high sum insured that covers various medical emergencies for individual policyholders and their family members. The plan provides a plethora of services and benefits that enhance the quality of life of the customer by not only providing a financial safety net but also wellness and health services. If you are looking for a comprehensive health insuranc plan then Icici Lombard Health AdvantEdge is an ideal choice.
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
Saral Suraksha Plan
A plan that offers coverage for accidental death and disablement, temporary total disablement and gives Education Grant.
Unique Features
Top-up
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
Personal Accident
The plan offers personal accident coverage on an individual and family floater basis, with coverage up to 25Lakhs.
Unique Features
Covid specific Plan
A plan mandated by IRDAI that offers covers the hospitalization expenses if the insured is tested positive for Covid-19.
Unique Features
Senior Citizens
A senior citizen plan that covers medical expenses resulting from hospitalisation, health check-ups, day-care procedures and more.
Unique Features
Senior Citizen Plan
A versatile health insurance plan with vital features like outpatient treatment coverage, Maternity Benefits, Newborn Baby Cover, and more.
Unique Features
The health advantedge health insurance plan has an entry age criteria as follows:
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.
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Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.
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