Health Advantage ICICI Lombard

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ICICI Health Advantage is one of the best health insurance plans in the market that takes care of all the healthcare needs of you and your loved ones. The plan is designed to offer both overall wellness and preventive care advantage. Video/tele consultations, online chats, pharmacy/diagnostic test services, and second opinions are all provided under this plan.

Highlights of Health Advantage by ICICI Lombard

check-star Claim Settlement Ratio – 99.7%
check-star NCB* - Upto 50%
check-star PED Waiting# - 48 months
check-star Network Hospital – 9,500+
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Pros & Cons of Health Advantage by ICICI Lombard

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Sum insured benefit restored
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Coverage for newborns and vaccination
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24/7 tele/video consultation
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Coverage for Bariatric surgery
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Cumulative bonus guaranteed
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Coverage for maternity expenses
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Convalescence benefit assured
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Coverage for pre-existing diseases
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Saving of 10% on premium if you buy the plan for a term of 2 years
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No coverage is provided for hernia, cataract, and urinary system stones for the first 2 years under the plan
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The policy does not cover any disease/illness occurring within 1 month from the date of the start of the policy.
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No disease/illness/injury/pre-existing diseases are covered before the start of the policy term.
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Any treatment received outside India is not covered under the plan.
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Injury arising out of law violation with criminal intent is excluded.
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The cost of domiciliary treatment is not covered under the policy.
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The cost of cosmetic surgeries is excluded.
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Any miscellaneous expenses such as admission fees, registration charges, and service charges are excluded from claim payouts.
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ICICI Lombard
Insurance Company

ICICI Lombard Health Insurance Company Ltd is a leading private general insurance company that offers a range of comprehensive and well-diversified products through multiple channels of distribution. This customer-centric company has a legacy of over 2 decades and is committed to its loyal customers. ICICI Lombard has over 312 branches with over 13,670 employees as of March 31, 2024. The insurer has issued over 36.2 million policies, honored over 2.9 million claims, and has a Gross Written Premium (GWP) of ₹255.94 billion for the year ended March 31, 2024.

Founded in
2001
Number of Claims
2.9 million claims paid
Number of Policies
36.2 million policies issued
Turnover (GWP)
INR 255.94 billion
JV Partners
ICICI Bank & Fairfax Financial Holdings Limited

Claims Experience

Claims Experience Rating 4.7
check-star % of claims settled in less than 30 days
Reflects on the speed of settling valid claims
99.74%
check-star % of Complaints received on overall claims
% customers unhappy with claims experience
0.13%
check-star Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?
99.7%
check-star No. of Cashless Hospitals
24800+

Benefits of Health Advantage by ICICI Lombard

In-patient Hospitalization
ICU Rent Limit
Up to single private AC room
Room Rent Limit
Covered
Pre & Post Hospitalization
Post-hospitalization expenses are covered
Up to the Sum Insured
Post-hospitalization expenses are covered for up to
180 days after the date of discharge
Pre-hospitalization expenses covered
Up to the Sum Insured
Pre-hospitalization expenses covered up to
90 days before hospitalization
Day Care Treatment
Financial Limit
Up to sum insured
No. of treatments covered
Basic and modern treatments
Top Health Insurance Plans by ICICI Lombard
Golden Shield
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Elevate
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The plan covers all costs related to hospitalisation (both pre- and post-treatment), daycare surgeries, AYUSH treatment costs, emergency services, critical illness, and personal accident cover.
The insured is entitled to receive 1 free health checkup coupon and 2 in case of a floater plan.
Claims under health insurance can only be made if the policyholder has been admitted to the hospital for at least 24 hours.
Cashless claims can be made at any of the network hospitals that have a tie-up with the insurance company.
The 3 major risks involved in health insurance are speculative risk, pure risk, and financial risk.

Disclaimer

* A Cumulative Bonus (CB) of 20% of the Sum Insured up to 100% of the expiring or renewed Policy Sum Insured, whichever is lower

# Optional rider benefit allows the insured a waiting period of 24/36/48 months