ICICI Lombard AdvantEdge Plan
  • Global Cover
  • SI upto 3 Cr
  • Air Ambulance Available
ICICI Lombard Health Insurance
premium

Network hospitals

7500+

premium

Claim settlement ratio

97.07%

premium

Sum insured

Up to 50 Lakh

premium

No. of Plans

7

premium

Solvency Ratio

2.54

premium

Pan India Presence

286

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

7500+

premium

Claim settlement ratio

97.07%

premium

Sum insured

Up to 50 Lakh

premium

No. of Plans

7

premium

Solvency Ratio

2.54

premium

Pan India Presence

286

ICICI Lombard Health AdvantEdge Plan

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:

  • Restoration Benefit
  • Cumulative Bonus
  • Health rewards
  • Domestic Air Ambulance
  • New Born and Vaccine Cover
  • Maternity Cover
  • PED Cover
  • Personal Accident Cover and more

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.

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ICICI Lombard Health AdvantEdge Plan

Network Hospitals 6700+
No-claim Bonus Applicable, 20% to 100% of SI
Health Checkup Annual; Starting from the 1st year

Read more specifications in the brochure.

Benefits of ICICI Lombard Health AdvantEdge

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 program, video/tele-consultations, tele medicine, pharmacy and diagnostic services, online chat with doctor, doctor on call, health assistance, ambulance assistance, discounts on services/products.
  • Worldwide Cover
    Icici lombard health advantedge plan offers the insured person hospitalization expenses including planned hospitalisation incurred outside India and anywhere across the world including USA and Canada, up to the amount specified under against this benefit in the policy schedule subject to the terms & conditions specified.
  • Home Care Treatment
    Icici Lombard health advantedge plan will cover the medical expenses incurred by the insured person on home care treatment maximum of up to 5% of the Sum Insured subject to a limit of Rs. 25,000 under certain terms and conditions.
  • Tax Benefits
    All the premiums paid towards the health advantedge health plan will be eligible for tax benefits under the Income Tax Act of India.

ICICI Lombard Health AdvantEdge Eligibility Criteria

Child Entry Age

Minimum Child: 91 Days to 25 Years Adult: 18 Years

Adult Entry Age

Maximum: 65 Years

Sum Insured (in Rs.)

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

Plan Type

Individual/ Family Floater

Policy Term

1/2/3 Years

Initial Waiting Period

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.

Choose Your ICICI Health Advantedge Plan

ICICI Health Advantedge Insurance plan offers a wide scope of coverage to its customer and we have discussed the same in detail below:

What is Room Rent?

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:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under ICICI Health AdvantEdge Plan?

Under ICICI Health AdvantEdge Plan, the room rent is covered up to SI.

What are ICU Charges?

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.

What is Pre Hospitalization?

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.

What is Post Hospitalization?

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.

What is Domiciliary Hospitalization?

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.

What is Daycare Treatment?

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.

What are OPD charges?

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.

What is COVID-19 Treatment?

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?

ICICI Health AdvantEdge Plan does not cover COVID-19.

What is Cataract Treatment?

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.

What is a No-Claim Bonus?

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.

What is Automatic Restoration?

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.

What is Daily Hospital Cash?

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.

What is an Organ Donor Cover?

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.

What is a Maternity Cover?

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.

What is a New Born Baby 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:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

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.

What is AYUSH Treatment?

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.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under ICICI Health AdvantEdge Plan?

Under the ICICI Health AdvantEdge Plan, IVF is not available.

What is a Modern Treatment?

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.

What is an Ambulance Cover?

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.

What is an Air Ambulance?

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

What is Compassionate Travel?

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.

What is Global Coverage?

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.

What is E-Consultation?

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.

What is a Health Checkup?

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.

What is a Second Medical Opinion?

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.

What is Vaccination cover?

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.

What is Co-payment?

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%.

What is the Sub limit?

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.

What is Not Covered Under ICICI Health Advantedge Plan?

Icici Health AdvantEdge Health Plan has certain exclusions that are mentioned below:

  • Coverage against Acquired Immune Deficiency Syndrome (AIDS)
  • Investigation & Evaluation
  • Rest Cure, rehabilitation, and respite care
  • Obesity/Weight Control
  • Change-of-Gender treatments
  • Cosmetic or plastic Surgery
  • Hazardous or Adventure sports
  • Breach of law

ICICI Health AdvantEdge Plan Premium Table

Below calculated are the premiums for ICICI Health AdvantEdge Health Insurance

Adult 1

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

Adult 1+1

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

Adult 2+1

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

Wrapping It Up

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.

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

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

  • 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

ICICI Health AdvantEdge Plan : FAQ

1. What is the eligibility criteria for ICICI Lombard Health AdvantEdge insurance plan?

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

2. What are the various sum insured options available under Icici Lombard Health AdvantEdge insurance plan?

The various sum insured options available under the plan for customers range between 5 Lakhs to 3 Crores.

3. Does ICICI Health AdvantEdge plan offer tax benefits to policyholders?

Yes, the premiums paid towards the ICICI Health AdvantEdge are eligible for tax benefits under the Income Tax Act of India.

4. Is global coverage available under the ICICI Health Advantedge plan?

Yes, global cover is available under the plan only for sum insured value of INR 25 Lakhs and above.

5. Is maternity cover available under the ICICI Health Advantedge plan?

Yes, the maternity and new born baby cover is available under the plan.

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ICICI Lombard Complete Health Review

To get the correct idea of how this plan is performing, do not forget to go through the ICICI Lombard Complete Health Insurance Reviews. Take a look at what customers have to say about ICICI Lombard Complete Health Insurance Plan:

Customer Review Image

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.

Customer Review Image

Kalpana Pushkar

Raipur

February 9, 2022

ICICI Lombard s individual health insurance plan is an excellent one that provided me with complete coverage at affordable rates.

Customer Review Image

Jubin Katyal

Agra

September 8, 2021

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

Customer Review Image

Aditya Kapoor

Mumbai

September 6, 2021

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

Customer Review Image

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.

Customer Review Image

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

Customer Review Image

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

Customer Review Image

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

View All ICICI Lombard Health Insurance Reviews

Daina Mathew

Written By: Daina Mathew

Daina is a content writеr with a profound grasp of Insurancе, Stocks, and Businеss domains. Hеr extensive 3-year еxpеriеncе in thе insurancе industry еquips hеr with a nuancеd undеrstanding of its intricaciеs. Hеr skills еxtеnd to crafting blogs, articlеs, social mеdia copiеs, vidеo scripts, and wеbsitе content. Her ability to simplify complex insurancе concepts into reader-friendly content makes her an еxpеrt in the domain.