Senior Citizen Health Insurance
  • AYUSH Treatments
  • Home Care
  • Care Management Program
Senior Citizen Health Insurance
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ICICI Lombard Senior Citizen Health Insurance

With increasing age arises the need to take better care of your health. ICICI Lombard Senior Citizen Health Insurance adapts to your lifestyle and aids in taking better care of senior citizens. With increasing age, individuals may face numerous ailments that may drain out their life savings, hence it is essential to invest in a quality senior citizen insurance plan. ICICI Lombard Senior Citizen Health Insurance will not only help policyholders in tax savings but also provide adequate coverage for senior citizens.

ICICI Lombard Senior Citizen Health Insurance provides hospitalization expenses, accident coverage, Pre-specified disease coverage, tax benefits, affordable premiums, daycare procedures, AYUSH treatments, Home care, and more. ICICI Senior Citizen Health Insurance offers high sum assured at affordable premiums and has a wide range of network hospitals across the country that offer extensive medical care to policyholders in need of medical emergencies.

Key Benefits of ICICI Lombard Senior Citizen Health Insurance

With ICICI Lombard Senior Citizen Health Insurance, policyholders get coverage for sudden hospitalization, treatment of illnesses, surgeries, and more. ICICI Senior Citizen Health Insurance is designed specifically to cater to the medical needs of senior citizens.

  • Affordable Premiums
    Senior Citizens are at an elevated risk of ailments and life-threatening diseases. With growing age, the human body grows weaker and can not completely defend itself against ailments. ICICI Senior Citizen Health Insurance offers senior citizens holistic coverage that protects them in the face of any medical adversity and provides complete care at affordable premium options.
  • Reset Benefit
    ICICI Health Insurance for Senior Citizens offers policyholders a reset benefit. This benefit states that if due to any unforeseen events, the sum insured is exhausted and you need to make another claim, ICICI Lombard would reset the sum insured subject to policy terms & conditions.
  • Cashless Treatments
    ICICI Health Insurance for Senior Citizens promises a hassle-free cashless treatment process to its policyholders. If a senior citizen invests in the ICICI Health Insurance for Senior Citizen plan, they can avail of cashless treatment facilities at any network hospital across the country.
  • Tax Benefits
    When policyholders purchase ICICI Lombard Senior Citizen Health Insurance they can claim a tax benefit of up to 50k (for above 60 years) under section 80D of The Income Tax Act of 1961.
  • Care Management Program
    ICICI Health Insurance for Senior Citizens offers optional covers at additional premiums like a care management program for senior citizens. Care Management Program offers benefits such as Tele consultations, Second consultations for critical illness, Diet and Nutrition e-consultation, and more.

ICICI Lombard Senior Citizen Health Insurance Plan Eligibility Criteria

 

Entry Age

Minimum: 18 Years

 

Max. Entry Age.

Maximum: Lifelong

 

Policy Term

1/2/3 Years

 

Plan Type

Individual/ Senior Citizens Floater

 

Sum Insured

3 L | 5 L | 10 L | 20 L | 50 L

 

Initial Waiting Period*

30 Days*

ICICI Lombard Senior Citizen Health Insurance Inclusions

Inclusions of ICICI Health Insurance Plans for Senior Citizens include:

Pre and post-hospitalization expenses

Annual Health Check-up

Daycare Treatments

COVID-19 treatment

Ambulance cover

AYUSH coverage

Domiciliary Hospitalisation

ICICI Lombard Senior Citizen Health Insurance Exclusions

Exclusions of ICICI Health Insurance Plan for Senior Citizens include:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

AIDS

Adventure Sports Injuries

Cosmetic or obesity-related surgeries

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Explore other ICICI Lombard Health Insurance

To cater to the different medical needs of an individual & their family, ICICI Lombard Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to ICICI Lombard Health Insurance plans explore more:

Individual and Family Health Insurance

ICICI Lombard Health AdvantEdge plan is a comprehensive health insurance plan designed to cater to all your health care needs. A family health insuran...

Unique Features

  • Global Cover
  • SI Upto 3 Cr
  • Air Ambulance Cover

AdvantEdge Plan (Pros)

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

AdvantEdge Plan (Cons)

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

AdvantEdge Plan (Other Benefits)

AdvantEdge Plan
  • New Born Cover
  • Vaccine Cover
  • Maternity Cover
  • PED Cover
  • Personal Accident Cover

AdvantEdge Plan (Eligibility Criteria)

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

Accident Health Insurance

ICICI Lombard Personal Protect Policy is a comprehensive health insurance policy that offers an array of benefits and extensions to safeguard the insu...

Unique Features

  • Accidental Death Benefit
  • Acts Of Terrorism Cover
  • Life Long Renewal

ICICI Personal Protect Policy (Pros)

ICICI Personal Protect Policy
  • Accidental Death
  • Permanent Total Disablement Benefit
  • Hospital Daily Allowance

ICICI Personal Protect Policy (Cons)

ICICI Personal Protect Policy
  • Illegal activities
  • Adventure sports
  • Obesity

ICICI Personal Protect Policy (Other Benefits)

ICICI Personal Protect Policy
  • Operational Coverage
  • Accidental Hospitalization
  • Hospital Daily Allowance

ICICI Personal Protect Policy (Eligibility Criteria)

ICICI Personal Protect Policy
  • Min entry age: 18 Years
  • Max entry age: 80 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 25 L

Senior Citizen Health Insurance

Golden Shield Plan by ICICI Lombard is designed especially for senior citizens and to cater to all their health care needs. With growing age, the huma...

Unique Features

  • Care Management Program
  • 50 L SI Available
  • Co-Pay Modification

Golden Shield Plan (Pros)

Golden Shield Plan
  • Reset Benefit
  • Coverage for Ambulance
  • Cashless Hospitalization

Golden Shield Plan (Cons)

Golden Shield Plan
  • Maternity cover
  • New born cover
  • Daily hospital cash

Golden Shield Plan (Other Benefits)

Golden Shield Plan
  • Care Management Program
  • AYUSH Treatments
  • Claim Protector

Golden Shield Plan (Eligibility Criteria)

Golden Shield Plan
  • Entry age: 56 years to no maximum limit
  • Sum insured: 5 to 50 Lakhs
  • Initial waiting period: 30 days

Individual and Family Health Insurance

ICICI Lombard Arogya Sanjeevani is a versatile plan that pays for your medical bills in case of hospitalization. If you are looking for a health plan ...

Unique Features

  • COVID-19 Cover
  • Ambulance Cover
  • Affordable Plan

Arogya Sanjeevani Policy (Pros)

Arogya Sanjeevani Policy
  • Cumulative bonus
  • Cataract treatment covered
  • Modern procedures covered
  • Intensive cardiac care charges

Arogya Sanjeevani Policy (Cons)

Arogya Sanjeevani Policy
  • No eyesight correction expenses
  • Fertility expenses not covered
  • Nursing expenses not covered
  • Nursing at home not covered
  • OPD expenses not covered

Arogya Sanjeevani Policy (Other Benefits)

Arogya Sanjeevani Policy
  • Floater benefit
  • Pre-existing diseases after 4 years
  • In-patient AYUSH treatment
  • Day care procedures

Arogya Sanjeevani Policy (Eligibility Criteria)

Arogya Sanjeevani Policy
  • Entry age- 18 years
  • Max entry age- 65 years
  • SI- 1 L to 5 L
  • Waiting period- 30 days

Top Up and Super Top Up

ICICI Lombard Health Booster is a comprehensive super top-up health insurance plan designed to enhance your existing coverage. The policy acts as a s...

Unique Features

  • Reset Benefit
  • Top-up Plan
  • Lifetime Renewability

Health Booster (Pros)

Health Booster
  • In-patient treatment covered
  • High range of coverage
  • Flexible coverage

Health Booster (Cons)

Health Booster
  • Injury due to war
  • Cosmetic surgery
  • Aesthetics treatment

Health Booster (Other Benefits)

Health Booster
  • Reset benefit
  • Domestic road emergency
  • Pre and post-hospitalisation
  • Donor expenses

Health Booster (Eligibility Criteria)

Health Booster
  • Min entry age: 6 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 50 L

Individual and Family Health Insurance

ICICI Lombard MaxProtect health insurance plan is a multiple-benefit provider plan that comes with affordable premiums. It has two variants ie, Classi...

Unique Features

  • Up to 1 Crore SI
  • International coverage
  • Modern treatment

ICICI Lombard MaxProtect Plan (Pros)

ICICI Lombard MaxProtect Plan
  • Worldwide coverage
  • Modern-day treatment procedures
  • Reset benefits

ICICI Lombard MaxProtect Plan (Cons)

ICICI Lombard MaxProtect Plan
  • Maternity cover
  • OPD not covered
  • Daily hospital cash

ICICI Lombard MaxProtect Plan (Other Benefits)

ICICI Lombard MaxProtect Plan
  • Multi-yearPolicy discounts
  • Automatic restoration
  • Domiciliary hospitalization

ICICI Lombard MaxProtect Plan (Eligibility Criteria)

ICICI Lombard MaxProtect Plan
  • Entry age: 21 to 65 years
  • Sum Insured: Upto 1 Cr
  • Initial Waiting Period: 30 Days

Individual and Family Health Insurance

Worried about your medical expenses? Boost your healthcare experience with the ICICI Lombard Health Shield 360 insurance policy. Healthcare is one of ...

Unique Features

  • 360° wellbeing programs
  • High SI options
  • Home healthcare

Health Shield 360 (Pros)

Health Shield 360
  • Worldwide cashless facility
  • Unlimited reset cover
  • Daycare procedures

Health Shield 360 (Cons)

Health Shield 360
  • Illegal activites
  • Adventure sports
  • Drug abuse

Health Shield 360 (Other Benefits)

Health Shield 360
  • Air ambulance
  • OPD Cover
  • Additional Sum Insured

Health Shield 360 (Eligibility Criteria)

Health Shield 360
  • Min entry age: 21 Years
  • Max entry age: 75 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 1 Cr

Individual and Family Health Insurance

Customize your ICICI Lombard Complete Health Plan with 4 available variants ICICI Lombard Complete Health Insurance is a comprehensive health insuranc...

Unique Features

  • Wellness Program
  • Maternity & Newborn Cover
  • Riders Available

Complete Health Insurance (Pros)

Complete Health Insurance
  • Critical Illness cover
  • AYUSH treatment covered
  • Ambulance coverage
  • E-consultation

Complete Health Insurance (Cons)

Complete Health Insurance
  • Vaccination not covered
  • IVF Treatment
  • Modern treatment
  • Air ambulance

Complete Health Insurance (Other Benefits)

Complete Health Insurance
  • Cataract
  • Daily hospital cash
  • Organ donor

Complete Health Insurance (Eligibility Criteria)

Complete Health Insurance
  • Min entry age: 3 months
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 50 L

Group Health Insurance

ICICI Lombard Group insurance is a type of insurance plan that covers many people in the same proximity, for example, employee-employer, bank customer...

Unique Features

  • Large Sum Insured
  • Daycare Treatment
  • Floater Benefit

Group Health Insurance (Pros)

Group Health Insurance
  • Tax benefit
  • Less waiting period
  • Hospital coverage
  • Wide range coverage

Group Health Insurance (Cons)

Group Health Insurance
  • Pre-existing diseases
  • Hazardous or adventure sports

Group Health Insurance (Other Benefits)

Group Health Insurance
  • Cashless benefit
  • Day care treatment
  • Floater benefit

Group Health Insurance (Eligibility Criteria)

Group Health Insurance
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 50 L

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ICICI Lombard Senior Citizen Health Insurance: FAQs

1. What are the best Senior Citizen Plans offered by ICICI Lombard?

ICICI Lombard offers multiple features and coverage options under their Senior Citizen Health Plan options. ICICI Golden Shield is amongst the best senior citizen plans offered by the health Insurance provider.

2. What is a senior citizen health insurance policy?

ICICI Lombard Senior Citizen Health Insurance Plans covers the healthcare needs of senior citizens. Senior Citizen Plans offered by ICICI Lombard cover medical expenses incurred by the insured person, including hospitalisation, day-care procedures and AYUSH treatments.

3. What are the important elements covered under ICICI Lombard Senior Citizen Health Insurance?

ICICI Lombard Senior Citizen Health Insurance are equipped with all essential plan features required to safeguard the future of senior citizens and help them in times of medical emergencies. ICICI Senior Citizen plans come with additional features such as complementary annual health check-up, wellness programs, care management program and more.

4. Do policyholders have to undergo medical health check-up beforepurchasing ICICI Lombard Senior Citizen Health Insurance?

Some senior citizen health insurance plans might need policyholders to undergo a pre-policy medical check-up.

5. How do you choose the right sum insured for the Senior Citizen Health Plan?

Policyholders must select sum insured amount that is adequate to cover all healthcare expenses for senior citizens. In case, senior citizens are suffering from pre-existing illnesses or if they have a history of medical complications, you should go for a high sum insured, i.e., ₹10 lakhs or more. Policyholders must also consider lifestyle and personal habits while choosing the sum insured for their ICICI Lombard senior citizen health insurance.

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Himanshu Kumar

Written By: Naval Goel

Naval Goel is the Founder and CEO of PolicyX.com (IRDA- Approved Insurance Comparison Website). He is a CFA charter holder (USA) and FRM (GARP). He holds an MBA from IIFT, Delhi, and is also an Associate from the Insurance Institute of India. Naval is an avid investor and entrepreneur who has a deep understanding of the Indian equity market and insurance sector. He has been investing for more than 10 years now and is a CFA charter holder.