by
iciclombard 01
| Sep 12, 2023
Updated on Nov 2025
With the continuing trend of medical inflation in our country, a single instance of hospitalisation can burn a large hole in your pocket and ruin your entire financial planning. However, you can prevent all this by investing in a reliable health insurance policy. In case of a medical emergency, it would cover most of the healthcare expenses you may incur, including hospital room rent, doctor's consultation fees, costs towards diagnostic tests, medicines, etc.
Though there is no shortage of health insurance offerings in India, ranging from critical illness insurance plans to comprehensive health insurance policies, one plan that stands out in the market is the Complete Health Insurance.
This blog will walk you through everything you need to know about ICICI Lombard's Complete Health Insurance.
Understanding Complete Health Insurance
The Complete Health Insurance Plan by ICICI Lombard is a comprehensive medical insurance policy that can secure you and your entire family against unforeseen healthcare expenses. You can either purchase this plan only for yourself or include your family members under the family floater option. This plan comes with an option of lifelong renewability, and you can add your spouse, kids and parents under the floater benefit.
You will also have the flexibility to optimise the coverage based on your precise healthcare needs by selecting add-ons such as:
- Sum insured protector: The sum insured will increase during the renewal based on the inflation rate of the past year.
- Worldwide cover: All the hospitalisation expenses that have been incurred overseas will be paid with a co-pay of 10%. This advantage is available for the sum insured of 25 Lakhs and more.
- Claim protector: All the non-payable items in the IRDAI list will become payable during the time of a claim.
Benefits of Complete Health Insurance by ICICI Lombard
The Complete Health Insurance policy is designed to offer wide coverage and value for money. Here are the top benefits you can enjoy:
- Wide range of sum insured
Customers will get the option to pick from a broad range of sum insured that begins from INR 5 Lakhs to INR 100 Lakhs as per their requirements.
- No maximum entry age
The minimum entry age for customers who want to receive a policy is 6 years, and there is no restriction for the maximum entry age. Children between 3 months and 5 years can be insured under the floater policy.
- Floater benefit
This plan gets the family covered with the same sum insured within a single policy by paying just one premium amount. Individuals who are above 3 months of age can be covered under this policy, given that one adult is also covered under the same policy.
- 4. No co-pay clause
The ICICI Lombard Complete Health Insurance plan comes with a zero or no co-pay clause. It means that in case of a medical emergency, the entire expenses incurred by the policyholder will be borne by the insurance company (except for non-medical costs).
- Coverage for pre-existing diseases
ICICI Lombard Complete Health Insurance plan covers pre-existing conditions, albeit after a waiting period of two years. By choosing a sum insured of ₹3 lakhs or more, you will be able to get coverage for your pre-existing diseases after two years of continuous coverage under the policy.
- Complimentary health check-up
Under this plan, you will get one complimentary health check-up coupon (two, in case of a floater policy). You can use these coupons to get a complete health check-up for yourself or your family members at any network hospital, free of cost.
- No pre-medical check-up
Many health insurance providers in India make it mandatory for their customers to undergo a pre-medical screening for buying a mediclaim policy. However, to purchase ICICI Lombard's Complete Health Insurance policy, you don't need any pre-medical check-ups or screenings if you're aged 45 years or below.
- Free look period
The insurance can be cancelled after offering a written notice within 15 days of receiving the policy. This period, often referred to as the “free-look” or “cooling-off” period, allows the insured to review the terms and conditions of the policy. If the policyholder is not satisfied for any reason, such as the coverage, terms or exclusions, they may opt to cancel the policy during this time.
- Unlimited reset benefit
This means if you use your sum insured once a year, it gets automatically restored for future hospitalisation in the same policy year. It is a significant plus if you face multiple health issues.
Inclusions & exclusions in Complete Health Insurance by ICICI Lombard
Here is what the ICICI Lombard Complete Health Insurance includes and does not include:
Inclusions
ICICI Lombard’s Complete Health Insurance offers comprehensive coverage for various medical needs. It includes inpatient treatment expenses such as ICU charges, room rent, surgery costs, anaesthesia, oxygen and blood, provided hospitalisation lasts at least 24 hours. It also covers day care procedures that require less than 24 hours of hospitalisation, excluding treatments typically taken on an OPD basis.
The plan reimburses pre- and post-hospitalisation expenses incurred immediately before and after the hospital stay. It also covers domestic road ambulance services on actuals for cashless claims and up to 1% of the sum insured (max ₹10,000) for reimbursement claims. The policy allows for home health care, providing treatment at home when needed. Nursing care at home is covered for up to 15 days after hospitalisation, offering continued support during recovery.
The Complete Health Insurance plan also covers inpatient AYUSH treatments, which include alternative therapies like Ayurveda, Yoga, Unani, Siddha and Homoeopathy. Additionally, the plan includes coverage for modern treatments such as oral chemotherapy, intravitreal injections, bronchial thermoplasty, stem cell therapy and more, ensuring access to advanced and up-to-date medical care.
In the event of hospitalisation exceeding five days, the cost of an economy air ticket is also covered.
Exclusions
Pre-existing ailments are not covered until 24 months of constant coverage have passed since the start date of the policy. Additionally, expenses related to the treatment of hypertension, diabetes and cardiac conditions are excluded if incurred within the first 90 days from the policy’s start date. The policy also does not cover specific illnesses during the first two consecutive years of coverage.
Major permanent exclusions under the policy include expenses resulting from self-inflicted injuries, such as those due to suicide or attempted suicide and injuries or illnesses caused by the abuse or misuse of alcohol or drugs. The cost of spectacles, contact lenses and dental treatment is also not covered.
Additionally, medical treatments related to childbirth, including caesarean sections, unless done during hospitalisation due to complications and ectopic pregnancy, are excluded from the policy coverage.
Conclusion
A good health insurance plan is a necessity. ICICI Lombard’s complete health insurance has been designed to suit individual needs, families and senior citizens. Before buying a policy, always compare features, understand the inclusions and exclusions and pick a plan that suits health needs and financial situation.
If you are unsure about which plan to choose or need help understanding what’s best for you or your family, we are here to help. Get personal advice and the right health insurance suggestions by simply filling out the form on this page.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult a certified medical and/or nutrition professional for any questions. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.