For your healthcare needs, why settle for less when you can get more?

ICICI Lombard’s health insurance provides the option for lifetime renewability so you can be assured of coverage throughout your life. Our policy also has a Health Booster plan – to enhance your base health cover, so you and your family are adequately protected from healthcare expenses. What’s more, now you can get 100% sum insured reset!

ICICI Lombard’s health insurance policy includes a useful reset benefit feature. Under this feature, we reset upto 100% of the sum insured for policyholders within the same policy year, in case the sum insured is insufficient due to previous claims.

It is useful to know that:

  • Any accrued sum insured is also included in the existing sum insured before providing a reset
  • Reset is not triggered for the first claim
  • The reset amount can be used only for future claims within the same policy year for illness/injury not related to the previous claims for the same individual
  • For individual policies, reset sum insured will be available on individual basis, whereas for floater policies, it will be available on floater basis
  • The reset amount cannot be carried forward to the subsequent year

Since ICICI Lombard has networks with leading hospitals, our Complete Health Insurance plan facilitates cashless hospitalisation. We also offer several value-added services such as online chat with a doctor, one-time free check-up, etc.

With our comprehensive health insurance policy, get:


Upto 100% reset benefit


Cover for multiple claims within the same policy year


Coverage for pre-existing diseases after 2 years


Timely claim settlement


Donor expenses


Tax benefits


Free look period

Health Insurance Testimonials


Chitra Iyer

ICICI Lombard’s health insurance policy has an attractive feature called reset benefit. This was useful for me and my family as we tend to make multiple claims within the same policy year especially for my parents and children.


Natan Ghosh

When my wife and I both happened to get hospitalised after a gap of 3 months, we were grateful for our ICICI Lombard floater policy. Thanks to it, we did not have to spend anything out of our pockets.

Case Study

Lakshmi had opted for an ICICI Lombard health insurance policy for a sum insured of ` 7 lakhs, with reset benefit. She had to make her first claim when she met with an accident, for which she incurred treatment expenses of `  3 lakhs. Within a span of 4 months, she had to undergo a surgery, which cost `  4 lakhs.

Fortunately for her, the policy under which she was covered allowed her to make multiple claims within the same year. After a month, she had to be admitted to the hospital due to complications arising from the surgery. However, since these were expenses related to the previous claim, the sum insured was not reset and she could not make a claim for the hospitalisation expenses.

After 2 months, Lakshmi suffered a minor heart attack and had to undergo treatment. She got a 100% sum insured reset for her policy and was able to make a claim for ` 2 lakhs.

Healthcare needs are unpredictable, like Lakshmi’s case; stay prepared by opting for a health insurance policy that befits you is important.


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