ICICI Lombard Health Insurance Plans

Like every other health insurance company in India, ICICI Lombard has certain key highlights that are mentioned below:

To meet the different needs and requirements of people, ICICI Lombard offers multiple types of health insurance plans that are as follows:

• Family Health Insurance Plans: Family health insurance plans offered by ICICI Lombard cover the medical expenses of your entire family under a single policy. This includes you, your spouse, children, and sometimes even dependent parents. The family health plans by ICICI Lombard ensure that the health needs of your entire family are taken care of without the hassle of buying multiple policies.
• Individual Health Insurance: Individual health insurance plans by ICICI Lombard are designed to meet the specific healthcare needs of an individual. Such plans provide coverage for medical expenses incurred due to illnesses, accidents, hospitalisation, and other health-related issues. Moreover, the individual plans offer personalised coverage based on certain factors that involve the individual's age, medical history, and other requirements.
• Senior Citizens Health Insurance: As the name suggests, senior citizens health insurance plans are designed specifically for people who are above a certain age, typically 60 years or older. These plans address the unique healthcare needs of seniors, including coverage for age-related ailments, chronic conditions, and pre-existing medical conditions.
• Group Health Plans: Group health plans by ICICI Lombard company are offered to a group of individuals, such as members of an organisation, members of a community, or employees of a company. These plans provide comprehensive coverage to all members of the group at a relatively lower premium in comparison to the premiums paid for individual plans. Not only this but the group health plans often come with additional benefits and discounts.
• Maternity Health Insurance: Maternity health insurance plans provide coverage for maternity-related expenses, including prenatal care, childbirth, postnatal care, and newborn baby care. These plans might also cover expenses related to hospitalisation, doctor consultations, diagnostic tests, and medications related to maternity and childbirth.
• Critical Illness Health Insurance: Critical Illness health insurance plans offer financial protection against life-threatening illnesses such as cancer, heart attack, and other serious medical conditions. In the event of diagnosis of a covered critical illness, the policy will provide a lump sum payout to the policyholder in order to cover the medical expenses of the treatment.
• Out-Patient Department (OPD) Coverage: Another type of ICICI Lombard health insurance plan is OPD coverage. Out-Patient Department coverage provides reimbursement for expenses incurred on outpatient medical treatments, consultations, diagnostic tests, medications, and procedures that do not require hospitalisation. It offers comprehensive healthcare coverage by including both in-patient and out-patient services.
• Top-Up Plans: Top-up health insurance plans offer additional coverage over and above your existing health insurance policy. ICICI Lombard's top-up plans come into effect when the base sum insured of your primary medical policy is exhausted due to medical expenses. These plans provide a cost-effective way to enhance your health insurance coverage without increasing the premium significantly.
• Women Health Insurance: Last but not least, women-specific health insurance plans by ICICI Lombard address the unique healthcare needs of women, including coverage for maternity, gynaecological treatments, and other female-related health issues. These plans might also offer additional benefits such as wellness programs, preventive screenings, etc.

The table below briefs down all the ICICI Lombard health insurance plans:

The details of each plan tabulated above are as follows:

1. AdvantEdge

ICICI Lombard offers the Health AdvantEdge policy as a solution to address healthcare needs at every stage of life. What sets this policy apart is its comprehensive approach to healthcare, which not only covers the expenses incurred during illness but also promotes preventive care and overall wellness.

In addition to financial assistance, the Health AdvantEdge policy provides access to a range of healthcare services designed to make healthcare more convenient. These services include video or teleconsultations with healthcare professionals, online chat options for medical queries, pharmacy and diagnostic services, etc. [2]

2. Max Protect

The ICICI Lombard MaxProtect health insurance policy is an insurance plan designed to cover you and your family's medical expenses. With the MaxProtect plan, you have the flexibility to choose from various sums insured options, including Rs.1 crore, Rs. 2 crores, Rs. 3 crores, and Rs. 5 crores.

In addition to covering standard benefits such as in-patient hospitalisation and daycare treatments, the MaxProtect policy also includes worldwide coverage for medical treatments outside the country. Moreover, one of the standout features of the MaxProtect policy is the unlimited sum insured reset benefit. You can also enjoy the Unlimited Restoration Benefit with this plan. [3]

3. Health Booster

Health Booster is a top-up health insurance plan specifically designed to bridge the gap when your primary health insurance coverage falls short. With this plan, you have the flexibility to choose from a wide range of sum insured options, ranging from Rs. 5 lakhs to Rs. 50 lakhs.

Additionally, you can select a deductible amount that suits your needs, with options ranging from Rs. 3 lakhs to Rs. 5 lakhs. Furthermore, Health Booster offers a unique benefit of Sum Assured Reset, allowing you to restore your coverage to 100% once in a policy year if the sum assured and additional sum insured are insufficient to cover a claim. [4]

4. Golden Shield

ICICI Lombard offers Golden Shield, an exclusive health insurance plan designed for people 56 years of age and older. It covers unforeseen medical costs associated with hospital stays, childcare services, and ambulance services, much like a standard Mediclaim policy. This senior citizen health insurance policy provides extensive protection at an affordable price point.

Key features of this medical insurance policy include a significant sum insured amount, annual health check-ups, and the convenience of cashless hospitalisation. Please note that to qualify for Golden Shield, applicants have to undergo a brief pre-medical tele-screening process. [5]

5. Arogya Sanjeevani Policy

The Arogya Sanjeevani Policy, offered by ICICI Lombard General Insurance Company Limited, is a standard health insurance policy designed to provide coverage for you and your family's healthcare expenses arising from hospitalisation for more than 24 hours. This policy is available for individuals aged between 18 to 65 years and can be purchased either individually or as a floater policy.

Moreover, this ICICI Lombard offers a wide range of sum insured options starting from Rs. 1 lakh and going up to Rs. 5 lakhs, allowing you to select a coverage amount that best suits your requirements. [6]

6. Corona Kavach

True to its name, this policy offers coverage against medical expenses incurred due to COVID-19 upon testing positive at a government-authorised diagnostic centre. The ICICI Lombard Corona Kavach policy is available for individuals aged between 18 to 65 years and allows you to include your spouse, dependent children, parents, and parents-in-law under the coverage. In this policy, you can choose from a range of sum insured options ranging between Rs. 50,000 to Rs. 5 lakh, depending on your specific needs. [7]

7. Saral Suraksha Bima

If an accident leads to the insured person's death or permanent total disablement, the Saral Suraksha Bima policy ensures that the policyholder receives 100% of the sum insured amount. Under this policy, you can choose a sum insured amount of up to Rs. 1 crore. And, if the policyholder passes away due to accident-related injuries, the policy pays out the entire sum insured, helping the family cope with the sudden loss.

Moreover, Saral Suraksha Bima offers optional add-ons to enhance the coverage. These include benefits like coverage for temporary total disablement, reimbursement of hospitalisation expenses resulting from accidents, and an education grant. [8]

8. Personal Protect

Your ICICI Lombard Personal Protect policy provides extensive coverage to protect you against unanticipated accidents. It provides protection against Accidental Death or Permanent Total Disablement (PTD) resulting from accidents. Furthermore, you can enhance your coverage with optional benefits like Accidental Hospitalisation Expenses and Accidental Hospital Daily Allowance.

You can select a sum insured amount between Rs. 3 lakhs and Rs. 25 lakhs based on your needs, thanks to the policy's adjustable coverage options. The policy covers a variety of accidents, such as those that happen on railroads, on the road, as a result of natural disasters, or as a result of terrorism. [9]

9. Elevate

Elevate is ICICI Lombards' latest launch which is powered by Artificial Intelligence. It provides health insurance plans for individuals with family floaters available. Elevate is a revolutionary step in health insurance as it introduces many amazing covers such as infinite care.

The key feature of Elevate is that you can purchase a policy with a sum insured ranging from 7.5 Lakh Rupees to an unlimited amount. This plan sets itself apart from other existing plans due to the introduction of many new benefits like claim protector, inflation protector, Infinite cumulative bonus, Infinite Claim Amount, and many others.

To qualify for purchasing a health insurance plan from ICICI Lombard, certain criteria must be met:

1. Age Requirements

• The proposer must be at least 21 years old
• For a family floater policy (covering multiple family members under one plan), a child must be over three months old to be eligible for health coverage

2. Waiting Period

• There's a waiting period of 30 days initially after purchasing the policy. However, this waiting period is waived off in case of accidental emergencies
• Specific ailments have a waiting period of 2 years
• The waiting period for pre-existing diseases is also 2 years

3. Additional Conditions

• The family floater policy allows coverage for up to two adults and two children
• If you are over 56 years old, you'll need to undergo a medical examination at one of ICICI Lombard's certified centers as part of the application process.

You can purchase the ICICI Lombard health insurance plan either online or offline, depending upon your choice or comfort. The details of both these ways are included below:

Online Process

If you wish to buy the ICICI Lombard health insurance plan online, you can do it either by visiting the InsuranceDekho website or via the insurer's website:

Purchase Health Insurance With InsuranceDekho

Follow the steps mentioned below to make your health insurance policy purchase from the official InsuranceDekho website:

Step 1: Share Your Details on the InsuranceDekho Website

First, go to InsuranceDekho's health insurance page [10] and enter your name and phone number in the provided form.

Step 2: Pick the Right Plan

Next, choose the most suitable ICICI Lombard health insurance plan from the list of options. Make sure you choose what you need and what you can afford.

Step 3: Pay for Your Policy

Then, fill out two forms with your information and answer a couple of health-related questions. Moreover, you will be required to provide some documents and pay the premium amount.

Step 4: Get Help After Payment

Once you've paid the premium of the chosen ICICI Lombard health policy, a manager from InsuranceDekho will reach out to you to help with getting your policy sorted out.

Purchase Health Insurance Policy via Insurer Website

The quick and easy steps to purchase ICICI Lombard health insurance directly from the insurer's website are as follows:

Step 1: Visit the Insurer Website

Begin the process by visiting the official website of ICICI Lombard Health Insurance [11] and inputting the required details.

Step 2: Follow the Steps Above

To move forward, simply follow the steps above (beginning from Step 2) as outlined in the section "Purchase Health Insurance With InsuranceDekho" to finalise the process of purchasing your policy via the official ICICI Lombard Insurance website.

Offline Process

Follow the steps below if you wish to receive personalised assistance from the InsuranceDekho relationship manager regarding your ICICI Lombard health insurance policy purchase:

Step 1: Provide Information on the Website

Go to www.insurancedekho.com and enter essential details such as your mobile number, age, and pin code.

Step 2: Compare the Available Plans

Once you've entered your details, you will receive a list of the most suitable ICICI Lombard health insurance plans.

Step 3: Ask for a Call Back

In case you need further assistance, you can request a callback by updating your inquiry on the plan page. And, if you require additional support, an InsuranceDekho relationship manager can be arranged for a home visit to provide personalised assistance.

To buy ICICI Lombard Health Insurance, you'll need the following documents:

• A filled-out and signed Proposal Form
• Proof of age, like 10th or 12th Mark Sheet, Voter Card, Passport, PAN Card, Driving Licence
• Proof of where you live, such as an Aadhaar card, Passport, Driving License, Electricity Bill or Voter Card
• Any medical reports the insurance company needs
• Passport-size photos

The table below highlights the differences between three different variants of the Health AdvantEdge plan:

Note: The variants might differ from one ICICI Lombard health insurance plan to another. The table above is crafted by comparing the variants of the most popular ICICI Lombard plan i.e. HealthAdvantEdge.

If you wish to enhance your health insurance coverage with ICICI Lombard, here's how you can easily upgrade your plan with InsuranceDekho:

• At the Time of Renewal

When your health insurance policy is up for renewal, it presents an excellent opportunity to upgrade your coverage. InsuranceDekho offers various options for upgrading your ICICI Lombard medical insurance plan, such as increasing the sum insured or adding additional riders. During the renewal process, you can review your current coverage and discuss with us any upgrades that may better suit your current healthcare needs.

• In Between

You don't have to wait until your policy renewal date to upgrade your ICICI Lombard health insurance plan. In case you find that your current coverage is insufficient or if your healthcare requirements change, you can reach out to InsuranceDekho's customer support team to explore upgrade options.

• Portability Benefits

If you are considering switching to ICICI Lombard from another health insurance provider, you can take advantage of InsuranceDekho's portability feature that will allow you to upgrade your coverage. This feature allows policyholders to transfer their existing health insurance policy to a new plan while retaining certain benefits such as waiting period credit and continuity of coverage.

1. https://www.icicilombard.com/about-us
2. https://www.icicilombard.com/docs/default-source/default-document-library/health-advantage-apex-plus-brochure.pdf?sfvrsn=39fd6bd6_0
3. https://www.icicilombard.com/docs/default-source/default-document-library/maxprotect-policy-wordings.pdf
4. https://www.icicilombard.com/docs/default-source/assets/health-booster-brochure.pdf
5. https://www.icicilombard.com/docs/default-source/default-document-library/golden-shield-brochure.pdf?sfvrsn=39fd6b95_0
6. https://www.icicilombard.com/docs/default-source/policy-wordings-product-brochure/arogya-sanjeevani-policy---prospectus.pdf
7. https://www.icicilombard.com/docs/default-source/policy-wordings-product-brochure/corona-kavach-policy-icici-lombard--prospectus.pdf?sfvrsn=39fd6ba6_2
8. https://www.icicilombard.com/docs/default-source/default-document-library/saral-suraksha-bima-icici-lombard---policy-wordings8c0003ff45fd68ff8a0df0055efe8b8e.pdf?sfvrsn=39fd6b88_2
9. https://www.icicilombard.com/health-insurance/personal-protect-brochure.pdf
10. https://www.insurancedekho.com/health-insurance
11. https://www.icicilombard.com/