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

Network hospitals

7500+

premium

Incurred claim ratio

77.33%

premium

Sum insured

Up to 1 CR

premium

No. of Plans

8

premium

Solvency Ratio

2.5

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Pan India Presence

300+

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

Incurred claim ratio

77.33%

premium

Sum insured

Up to 1 CR

premium

No. of Plans

8

premium

Solvency Ratio

2.5

premium

Pan India Presence

300+

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 cover, tax benefits, affordable premium, 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 offers extensive medical care to policyholders in need of medical emergencies.

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ICICI Lombard Health Insurance Review

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ICICI Lombard Health Insurance

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 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 ICIC 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 offer optionl covers at additional premiums like care management program for senior citizens. Care Management Program offers benefits such as Tele consultations, Second consultation for critical illness, Diet and Nutrition e-consultation, and more.

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ICICI Lombard Senior Citizen Health Insurance Plans

ICICI Health Insurance for Senior Citizens provides comprehensive senior citizen plans that offer high coverage options and benefits that make life simpler for senior citizens.

Family 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

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

Health Insurance for Senior Citizens

Health Insurance Companies

ICICI Lombard Senior Citizen Health Insurance Plan Eligibility Criteria

Entry Age

Minimum: 18 Years

Adult Entry Age.

Maximum: Lifelong, no bar

Policy Term

1/2/3 Years

Plan Type

Individual/ Senior Citizens Floater

Sum Insured

3 L | 5 L | 7 L | 10 L | 15 L | 20 L | 25 L | 50 L

Initial Waiting Period*

30 Days*

ICICI Lombard Senior Citizen Health Insurance Inclusions

Inclusions of ICICI Health Insurance Plans for Senior Citizen 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 Citizen include:

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

Intentional self-injury

AIDS

Adventure Sports Injuries

Cosmetic or obesity-related surgeries

Explore other ICICI Lombard Health Insurance Plans

ICICI Lombard Health Insurance offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

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

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

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

ICICI Health Insurance Plans: 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 to choose the right sum insured for 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.

What Our Customers Have to Say

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Anita Sandhu

Goa

March 18, 2024

A user-friendly platform with a lot of useful information with a helpful approach. The team of PolicyX went the extra mile to answer my questions related to ICICI Lombard Health Insurance Polic...

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Khushpreet Singh

Bhopal

March 18, 2024

I bought my ICICI Lombard health insurance plan 4 years ago, and every year the team at PolicyX helps me to renew the plan. Thank you PolicyX for taking care like family.

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Arjun Palta

Delhi

February 28, 2024

I connected to the team member of PolicyX when I was looking for the best health insurance policy. They helped me buying ICICI Lombard health insurance plan for my family. They made it easier f...

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Vayu Sharma

Gandhinagar

February 26, 2024

The insurance team at PolicyX was so helpful while purchasing my health insurance from ICICI Lombard Health Insurance.

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Nipun Singh

Indore

February 26, 2024

I needed to apply for a claim settlement for my ICICI Lombard Health Insurance Policy. PolicyX helped me to get the reimbursement very soon.

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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.

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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.

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Jubin Katyal

Agra

September 8, 2021

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

View All ICICI Lombard Health Insurance Reviews

Naval Goel

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.