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What is ICICI Lombard Health AdvantEdge policy?

ICICI Lombard’s Health AdvantEdge policy is a comprehensive health insurance plan offering all-around wellness and preventive care benefits. Apart from preventing out-of-pocket expenses during hospitalisation, this health insurance policy offers various other benefits, including health benefits, personal accident cover, 24/7 video/telephonic consultation, coverage against critical ailments, etc.

Designed to cater to your health care needs at all stages of life, this health insurance policy gives you complete peace of mind amid rising medical costs.

Top reasons to buy ICICI Lombard Health Insurance Plans for Family

When it comes to your family’s health, there is no compromise. ICICI Lombard’s Health Insurance Plans for family help you:

Cover all family members at a cost-effective price

Provide holistic coverage to your loved ones

Ensure funds are not paucity while receiving the best possible treatment

Mitigate rising costs of medical inflation

Meet other financial goals with ease

Why should you buy a health insurance policy for yourself and your family?

Medical costs are skyrocketing

Medical costs are rising at a fast clip. A medical emergency can dry your finances in no time. A family health insurance policy helps you easily meet the rising costs and ensure no family member remains uncovered.

Employer provided health insurance policy is not enough

Your employer-provided health insurance isn’t customisable to your requirements. The sum insured is low and may not be adequate to cover all family members. Also, it’s not in force once you leave the company.

Lifestyle diseases are on a rise

A sedentary lifestyle coupled with unhealthy habits have spiked lifestyle diseases, which can be mentally, physically and financially taxing. Buying a family health insurance plan early can protect your savings from taking a dip during treatment of such ailments.

You can save some on family health insurance premium

Buying an individual health insurance for each family member is expensive. A family health insurance plan ensures all members get duly covered. It helps save premiums and frees you from the hassle of managing multiple policies.

You get tax benefit on health insurance premium

The premium you pay for your family health insurance plan is eligible for tax exemption under section 80D of the Income Tax Act under the old tax regime. Thus, it helps lower your tax outgo as they say every penny saved is a penny earned.

Why should you buy family health insurance online from ICICI Lombard?

Buying family health insurance online from ICICI Lombard spells multiple benefits. These include:

Ease and convenience: You can buy the plan in a jiffy at your convenience

No cumbersome paperwork: Provide basic documents to buy the policy without the need for extensive paperwork

Instant policy issuance: Get the policy documents in your email once you make payment to ensure swift coverage

Easy customisation: Customise the policy as per the requirements of your family members

Save on premiums: Get discounts on premiums during online purchases to bring down the cost of buying

What is Covered in ICICI Lombard Health Insurance for Family?

ICICI Lombard’s health insurance for a family offers holistic coverage. These include:

Inclusions
Exclusions

Hospitalisation

The policy covers hospitalisation expenses incurred for more than 24 hours. These include doctor’s fees, room charges, medical bills, etc.
Pre and post hospitalisation

The policy covers pre- and post-hospitalisation expenses for 60 days and 180 days, respectively, subject to the approval of the in-patient claim.
Day care treatments

The policy covers some day care treatments that require hospitalisation for less than 24 hours, such as chemotherapy, dialysis, and radiotherapy.
AYUSH treatment

The policy covers AYUSH treatment taken in a government hospital or any institute recognised by the government and accredited by the Quality Council of India or the National Accreditation Board on Health.
Wellness program

Get rewarded for adopting a healthy lifestyle, and redeem those wellness points to reduce OPD bills, diagnostic expenses, the cost of medicines, etc.
Loyalty bonus

Provides a 20% increase of the expiring or renewed Annual Sum Insured (whichever is lower) at the end of each policy year, as long as the policy is continuously renewed.

Domestic road ambulance

Get coverage for availing an ambulance service offered by a hospital or an ambulance service provider in an emergency.

Claim protector

Get coverage for items that are not payable as claims provided acceptance of in-patient hospitalisation claims.

Restore benefit

Restore your sum insured up to 100% of the base sum insured to ensure you never run out of cover.

Cashless hospitalisation

Enjoy the benefit of cashless hospitalisation at network and non-network hospitals.

Pre-existing diseases

Get coverage for declared and approved pre-existing diseases at the time of proposal after a waiting period of 2 years.

Pre-policy medical check-up

No medical check-up is required for health coverage below 45 years and a sum insured of up to Rs 10 lakhs.

Domiciliary hospitalisation

Get coverage for domiciliary hospitalisation due to the non-availability of a bed at the hospital or the inability to move to a hospital. Expenses for qualified nurses engaged on the recommendation of the attending medical practitioner are also covered.
Domestic air ambulance

Get covered for air ambulance charges to transfer you to the nearest hospital for emergency care up to the sum insured.
Organ donor

Get reimbursement for organ donor expenses up to sum insured, provided hospitalisation claim for organ donor surgery is accepted.
Emergency services

Get covered for road ambulance expenses for emergency care, virtual or telephonic consultation with a medical practitioner for routine health issues.
Co-pay

No need for copayment on medical bills unless opted for.
Lifelong renewability

Get covered at every stage of life with the provision to renew the policy every year without age restriction.
Floater benefit

Get all family members covered under a single plan by paying only one premium. You can cover self, spouse, dependent children, brothers and sisters.

Free-look period

You can cancel your policy anytime within the free-look period by giving a written notice within 30 days of receiving the policy document.

Convalescence benefit

Get a convalescence benefit, a lump sum of Rs 20,000, once in a policy year. However, you need to be hospitalised for over 10 days to get this benefit.

Critical illness cover

The critical illness insurance offers coverage for 20 critical ailments with a 30-day survival clause. The cover will be equal to the sum insured or up to Rs 50 lakhs, whichever is lower.

Bariatric surgery cover

Get coverage for bariatric surgery recommended by a doctor for a BMI greater than or equal to 40. After a waiting period of 3 years, coverage is applicable for a person aged 18 or more, capped at 50% of the sum insured.

Permanent exclusions

Permanent exclusions under the policy for which you will not receive coverage include:

War, civil war or breach of law
Naturopathy treatment, acupressure, acupuncture, magnetic and other such therapies
Treatment taken outside the country
Any expenses arising out of domiciliary treatment

Exclusions valid for the first 2 years

Treatment for the following diseases and ailments are excluded from coverage during the first two years:

Cataract
Benign prostatic hypertrophy
Myomectomy, hysterectomy unless because of malignancy
All types of hernia and hydrocele
Joint replacement, unless due to accident
Sinusitis and related disorders
Stone in the urinary and biliary systems
Dilatation and curettage, endometriosis
All types of skin and all internal tumors/cysts/nodules/polyps of any kind, including breast lumps, unless malignant
Dialysis required for chronic renal failure
Surgery on tonsils, adenoids and sinuses
Gastric and duodenal erosions and ulcers
Deviated nasal septum
Varicose veins/varicose ulcers
All types of internal congenital anomalies/ illness/ defects

Go through the policy documents and wording for a complete list of exclusions.

Policy documents: Downloads

ICICI Lombard Health AdvantEdge Insurance policy add-on benefits

You can choose from various add-ons to customise the plan per your family’s needs. Some add-ons you can opt for are as follows:

Maternity benefit

Maternity health insurance cover medical expenses related to childbirth and/or pregnancy termination, reimbursing up to 10% of the annual sum insured with a maximum limit of Rs 1 lakh under maternity sum insured. Applicable for insured females aged 18 and 45 and for three instances.

Claim protector

With this add-on, you can make claims for all items listed as non-payable by the Insurance Regulatory and Development Authority of India (IRDAI) on policies whose sum insured is less than Rs 15 lakhs.

Co-payment option to choose 10% or 20% co-pay

This add-on allows you to choose a 10% or 20% co-payment in your health insurance claim. Co-payment refers to a certain portion of the payment you opt for from your pocket.

Teleconsultations

This add-on gives you access to unlimited teleconsultations with healthcare professionals 24 hours a day, 7 days a week, via phone, video calls, or any other virtual means, for routine or emergency teleconsultations.

What is the difference between mediclaim insurance and health insurance policy?

Mediclaims are health insurance plans that offer a financial cushion during hospitalisation due to illness or accident. They only cover hospitalisation costs while you've to bear other medical expenses. Mediclaims don't allow you to add any add-ons.

Health insurance plans, on the other hand, offer more comprehensive coverage. With them, you can claim reimbursement for medical costs not only during hospitalisation but also before and after admission and discharge up to a specific number of days, depending on the policy's terms and conditions. Many health insurance plans also cover expenses incurred on OPD treatments, diagnostic tests, medicines and alternative therapies.

Mediclaim vs Health Insurance

The table highlights major differences between a mediclaim and a health insurance plan in various aspects:

Aspect	Mediclaim	Health Insurance
Coverage offered	Coverage is limited only to hospitalisation expenses and nothing beyond that.	Offers coverage beyond hospitalisation, including pre- and post-hospitalisation expenses, OPD costs, ambulance expenditures, and other medical expenses, among others. Some health insurance plans also offer compensation for lost income.
Sum Insured	The maximum sum insured in a mediclaim policy is generally Rs 5 lakh.	The sum insured offered by health insurance plans is much higher. Today, you can get a health insurance plan providing coverage of up to Rs 1 crore. A higher sum insured widens your financial cushion significantly.
Customisation	Flexibility for customisation is less in mediclaim. In other words, tailoring it as per your needs is difficult.	Health insurance plans offer more flexibility in terms of customisation. You can tailor it as per your needs in terms of the sum insured and add-on covers.

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Intimate us about your claim
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Settle the claim after successful verification

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Health Insurance Plans for Family

A family health insurance plan, as the term implies, covers both you and your family members in the event of a medical emergency. Family health insurance has a single premium; you do not have to pay separately for each covered family member. One of the key features of a family health plan is that you can easily add your spouse, children, and dependant parents in a single health insurance policy and pay premium for a floater family health insurance.

Benefits of buying health insurance plans for the family

A family health insurance plan offers several benefits. Some of them are:

Covers entire family

You can cover all members of your family through a family health insurance plan. You can cover your spouse, children, parents and even dependent in-laws.

Affordable premiums

A family health insurance plan is more affordable than buying individual plans for every family plan. You just need to pay a single premium to cover all members.

High coverage

A family health insurance offers high coverage to your family members ensuring funds are not a paucity while receiving the best treatment.

Flexibility to add family members

A family health insurance plan allows you to add family members as and when needed as per the policy’s terms and conditions.

Tax benefits

Premiums paid towards family health insurance plans qualify for tax exemption under section 80D of the Income Tax Act, under the old tax regime.

Save tax with family health insurance plans

As said, you can lower your tax outgo with family health insurance plans. Here’s how:

Claim tax deduction against family health insurance premium

The premium paid for family health insurance towards self, spouse and dependent children (all under 60) is eligible for deduction under section 80D, maximum up to Rs 25,000.
Health insurance policy for parents

If you pay premiums for your parent's health insurance, they, too, are eligible for a tax deduction. If your parents are senior citizens, you can claim a maximum deduction of Rs 50,000 under section 80D.

Things to remember while buying a health insurance for family

Buying health insurance for a family shouldn’t be a rushed decision. Some vital considerations are:

Coverage under family insurance plans

Go through the coverage offered under family plans. Closely evaluate the waiting period, inclusions, exclusions and other add-ons, among others.

Cashless hospitalisation

While recent amendments in health insurance make you eligible for cashless hospitalisation across non-network hospitals, it’s a good idea to check the insurer’s network hospitals.

Flexibility in sum insured

With rising medical costs, it’s prudent to avail a health insurance policy that allows you to be flexible and increase the sum insured with time.

Maximum renewal age

Go for a family health insurance plan that offers lifelong renewability. This ensures you remain covered at every life stage.

Claim settlement process

Understand the claim settlement process and make sure it’s a smooth one. Also, check the insurer’s claim settlement ratio and opt for an insurer with a high ratio.

How to buy a family health insurance plan under ICICI Lombard Health AdvantEdge policy?

Buying it is simple and easy. All you need to do is:

Get quote

Get a quote by providing basic details like number of family members, their age and contact details.

Pick plan

Choose a plan that best suits your needs.

Pay

Pay the premium to buy your plan and get coverage.

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4.6
Our customers have rated us
Based on 2,031 reviews

Good experience. The salesperson offered her support till the end of the transaction and provided me with all the possible solutions to my issues. It took me 2-4 days to finalise the mediclaim policy, but I got a great response from her. Thank you.

Your agent had great convincing power along with an in-depth knowledge of the product as well as the market. Her command over the language, combined with her selling skills, made this interaction a productive one. I thank her from the bottom of my heart for her support.

My experience of purchasing a health insurance policy from ICICI Lombard was smooth and really easy, thanks to the competence of the executive. He made sure I understood the key features and benefits of the plan, such as cashless hospitalisation and coverage for day-care expenses. He was patient with me throughout the interaction. Thanks, appreciate it.

Excellent service. I had the good fortune of connecting with one of your top executives and talk about the features and benefits of the mediclaim policy. She listened to me patiently, understood my requirements, and then advised me accordingly. Her knowledge and communication skills made me trust her judgement and follow her advice.

It was a nice experience to talk to the agent from ICICI Lombard. She has good knowledge of the available products and their features and benefits. She helped me in choosing the best mediclaim policy for my mother. Well done!

Way to go! I was very happy with the way the agent handled my transaction. She used her incredible knowledge and communication skills to convince me to buy the health insurance plan and gave me excellent suggestions. I appreciate it.

Your representative has been very helpful and responsive during my wellness claim and renewal process of the health insurance policy. She even reacquainted me with features and benefits like emergency ambulance cover and life long renewability. I would like to thank her and rate her service 10 out of 10.

The executive was clear in his conversation with me. He was knowledgeable, patient, and a good resource for all the information I needed about the health insurance policy. In the end, I was able to make an educated choice.

Your representative was very professional, helpful, and supportive. He solved all my problems and gave me expert advice on the matter of buying health insurance. Congrats on a job well done!

Great experience. All the information I needed was provided by the agent and the customer interaction was very good. ICICI Lombard trains their employees well and it shows in the way they interact.

Good response. I would like to express my gratitude to the customer care employee who helped me get the health insurance. He was wonderful to talk to and extended me every courtesy in the book. I am sure he is an asset to the organisation and deserves all the appreciation. Thanks a lot.

The executive seemed very helpful on the call. She answered all my queries in a satisfactory manner and guided me through the process of purchasing health insurance on the website. I would like to rate her service 5 stars.

Thanks to the proactive nature of the agent, I was able to get my health insurance renewed on time. My conversation with him was polite and informative. The organisation is lucky to have people like him who understand and care about customers.

My interaction with the representative was good. He was patient throughout the call and answered all my queries in great detail without batting an eyelid. He was competent, smart, and a professional through and through. Really appreciate it.

The representative I interacted with is testament to the fact that having a good product is not enough unless the salesperson knows what to do. He knew exactly what to do and how to approach me, which is why I am now the proud owner of a health insurance policy that fits my needs. Thanks for all the help.

Your website was easy to browse and quick in usability. I was even able to contact one of your agents and get some help on the purchase of the health insurance policy. Congratulations on a job well done!

The service I received from your customer support employee was good. She clarified all my doubts and acquainted me with important features and benefits of the health insurance policy such as cashless hospitalisation and emergency ambulance cover. Wonderful assistance, thank you.

Your representative was very good at providing information related to the health insurance policy and telling me about its benefits. She was polite, clear, and overall an excellent salesperson. I truly enjoyed talking to her.

I am quite satisfied by the information shared by your executive. He told me explicitly about the importance of inclusions such as cashless hospitalisation, reset benefit, and free look period. Grateful to him and the organisation for simplifying a complex procedure.

Initially, the agent helped me clear my queries about the health insurance policy and its add-on covers. Once I opted for them, they were not reflecting in the plan. I went to her with the problem and she explained the way around it immediately. Thanks for the swift response.

Your representative was extremely helpful in buying insurance for my parents. The way he communicated inspired confidence in the company and made me feel at ease. He was a major part of my decision to go ahead with ICICI Lombard. The best part was he followed up even after the sale to help with other formalities. Overall, a great experience.

The agent at ICICI Lombard was extremely knowledgeable and had a good attitude towards me as well as his job. It was a pleasure to interact with him and learn about the various terms and inclusions of the policy.

I was living with the misconception that I didn't need a health insurance policy because I was fit and fine. However, after talking to you agent, I am glad to have a cover. She gave me a fabulous explanation of the product, because of which I made the purchase. Superb work, deserves a pat on the back.

I think ICICI Lombard's iHealth policy is the best product in the market. I would like to request a few upgrades, such as organ donor, air ambulance, good health returns, and regular health check-ups. Thank you for guiding me to this plan. Keep it up.

The agent showcased her excellent communication skills during hour interaction about the health insurance policy. She was articulate while telling me about features and benefits like free look period, life long renewability, and cashless hospitalisation. Thanks for getting me in touch with her.

Very happy with your team member who convinced me to buy the health insurance policy. He had good knowledge on the products and provided me with all the information I needed. Thank you so much for the support and guidance.

My experience with the agent who sold me the health insurance policy was very satisfying. He explained several plans in great detail and knew everything there was to know about each product. He really impressed me with his brilliance and made the purchase process easier.

The executive was a nice guy. We had a fantastic interaction, during which he shared his knowledge about the inclusions and exclusions of the policy. He was transparent, polite, and an utter professional with a friendly attitude. Looking forward to more discussions like this.

I am satisfied with the service provided by your agent. She made sure I wasn’t confused about any of the policy features and benefits and clarified all my doubts in an instant. I couldn’t have asked her for more. Great job!

I had a good interaction with your representative regarding the health insurance policy. He was able to explain the product details clearly, which helped me decide to buy it. He also called me back whenever I had a query prior to issuing the plan. I will not hesitate in recommending ICICI Lombard for insurance.

I had a very informative discussion with your salespersons regarding the mediclaim policy for family. They were willing to explain each and every inclusion at length and spend as much time as it took to satisfy my queries. I am impressed by their diligence and confident in their ability.

The agent helped me buy the health insurance policy in a hassle-free way. I genuinely never expected to buy a comprehensive plan with such ease, but thanks to him, I was able to get my whole family insured in practically no time. Thank you for convincing me and supporting me through the process.

Generally, I don't write reviews. But people like the executive at ICICI Lombard deserve words of appreciation. She was very polite and patient. I believe she is an asset to your organisation. Thanks for all the support.

Had a very good interaction with your representative. She explained all the details very well. I had a few queries about the process, but it didn't take her very long to resolve them. I appreciate her service.

Excellent interaction. She was confident in her knowledge and provided all the answers I was looking for. Her communication skills and intelligence helped me believe that this was the right plan for me.

Very helpful interaction. I learned everything I needed to know about the health insurance policy before making a decision. The agent was polite, friendly, and incredibly supportive. Happy to have ICICI Lombard as my insurance provider.

Good experience at ICICI Lombard. The agent listened to me and understood my needs before making any suggestions about the mediclaim policy. I am glad that it was a wonderful interaction. Thanks a lot.

I received flawless support from your salesperson when I approached ICICI Lombard to buy a health insurance policy. He was completely supportive of my needs and helped me fufil them by advising me on the right plan. My overall experience with him as well as the organisation was worthy of five stars.

Had one of the best experiences ever with the customer care department of an organisation. The agent was very precise while giving out information about the mediclaim policy and made sure the one he persuaded me to buy aligned with my requirements. Please continue serving people with the same enthusiasm and care.

Very good way of explaining the details of the health insurance policy. The advisor gave me all the information I needed to make a decision. I am happy to have chosen ICICI Lombard as my insurance provider. Thanks for all the help.

Excellent service provided by the representative. Our interaction went really well and cleared all my doubts about the health insurance cover. By the end, I was convinced to buy it based on merits like cashless hospitalisation and life long renewability.

It was nice talking to your customer care executive. He was encouraging and understanding. I got all my doubts cleared and am happy about the product I purchased. Thanks for the support from your team, ICICI Lombard.

Your agent helped me out with the process of buying a new health insurance policy. He also clarified my doubts and explained all the features and benefits. I specifically bought the plan because it offers in patient AYUSH treatment and emergency ambulance cover.

I am highly impressed with the service rendered to me by your sales agent. He behaved in a professional manner throughout our interaction and listed enough upsides of the policy to convince me to make the purchase. He also had excellent communication skills, which made my decision easier.

Excellent discussion with the agent from ICICI Lombard. It led to me buying the health insurance policy because I was confident in her judgement and understanding of my needs. I would like to rate her 10 out of 10 for the wonderful support.

The executive was clear in her communication. She knew the product well and convinced me to enhance my sum insured with her logic. This is the first time someone from the organisation spoke to me with clarity about the product. I'm sure whatever is explained to me will appear in the policy document, which I am yet to check.

Frequently asked questions on Health AdvantEdge policy for family

General
Cover
Premiums
Claims
Policy

What is a family floater insurance plan under ICICI Lombard Health AdvantEdge policy?

Family floater insurance is a single health insurance policy that covers one or more members of your family. They can be your legally wedded spouse, dependant parents and parents-in-law, and dependant children aged 3 months to 25 years. It doesn't cover children above 18 years of age who are financially independent.

What is ICICI Lombard Health AdvantEdge product?

This product covers basic healthcare benefits like hospitalisation, daycare, domiciliary hospitalisation, pre & post-hospitalisation expenses, emergency ambulance services and more. This plan also includes value-added services such as a Wellness Program, routine full-body health checkups & more. You can also opt for the maternity benefit add-on that covers maternity expenses of up to 10% of base SI subject to a maximum of 10L and the newborn's health expenses right from birth shall be over and above the maternity limit (as per policy wordings). Teleconsultation add-on allows you to avail unlimited teleconsultations, available 24x7 with health care professionals for routine & emergency health concerns.

How does a family floater plan under ICICI Lombard Health AdvantEdge work?

The total sum insured in a family floater plan is available for each policy member. So, if the total sum insured is ₹10 lakhs, and member one claims ₹3 lakhs, ₹7 lakhs will be the available sum insured amount for the remaining members in the plan for that given policy year.

What is the age limit for taking this policy?

The entry age of the insured is 6 years, however the proposer (Parents/Legal guardian/s) should be at least 18 years of age and the Maximum age is 65 years.

How can I switch my current insurance to ICICI Lombard?

If you wish to switch your existing health insurance to any ICICI Lombard plan, please provide your application, including a duly filled portability form and your previous policy documents. Kindly share these at least 45 days before the renewal date of your existing health policy.

What is the difference between base coverage and add-ons?

The base coverage is in-built into the policy. The add-ons are optional; you can add them to the policy by paying a small additional premium to enhance the coverage based on your individual needs and & budgets.

How much premium qualifies for tax benefits?

With Income Tax benefits under Sec 80D, you can claim tax deductions up to a maximum of ₹25,000 when you purchase a policy for yourself, or spouse, or your children. For dependant parents above 60, you can claim a tax deduction up to a maximum of ₹50,000.

Are all the major corporate hospitals on the network?

There are 7000+ network hospitals where you can avail of cashless facilities. You can claim reimbursement if your treating hospital is not a network hospital.

Is overseas treatment for an illness covered?

Any form of treatment taken outside India will not be covered. However, if you opt for worldwide coverage, it is included.

Will ICICI Lombard Health AdvantEdge Insurance pay for maternity expenses?

With the Apex plan in Health AdvantEdge product, you can avail of the maternity benefits add-on that includes coverage for newborns from birth.

Will ICICI Lombard Health AdvantEdge Insurance cover hospitalization expenses for COVID-19?

Yes. Covid-19 related hospitalisation is covered in the policy.

What are the different modes of payment on icicilombard.com?

You can choose between any of these payment options to pay your premium online:

Credit Card – Make secure premium payment with your VISA, Master, AMEX, RuPay or Diners Club card.
Net banking - Transfer the premium amount online through ICICI Bank or any of the other 50+ banks.
Debit Card – Just enter your bank's debit card details to pay your insurance premium directly.
UPI and e-wallets - Pay through UPI apps such as Google Pay, BHIM UPI & PhonePe, or an online wallet.
EMI - Use the credit/debit card EMI facility to pay your premium in instalments

How much premium qualifies for tax benefits?

Under section 80D of the Income Tax Act, you can avail of tax benefits for premiums paid towards your health insurance policy. The following table explains total tax deduction for only assess, spouse, dependant children and parents (whether dependant or not):

Will my premium be the same when I renew my policy?

Your premium depends on your age and the benefit amount/coverage period you have opted for in your policy. If you move to a higher age band at the time of renewal, the premium will change as per the new age band. If you upgrade your product to a higher sum insured at the time of renewal, add covers or make changes to the coverage period, your premium will change.

How can I calculate the premium for this product?

Please refer the rate chart for checking premium for this policy

How can I raise my ICICI Lombard Health AdvantEdge insurance claim post-hospitalisation?

In case of planned hospitalisation, pick a hospital within our network to avail of cashless claims, so you won't have to pay the hospital bills out of your pocket. You can claim reimbursement for hospitalisation expenses in an emergency where you must pick a non-network hospital for immediate care. To raise a reimbursement claim, contact us by using any of the following ways:

Claim via IL Take Care app. Download here
Call us on our toll-free number 1800 2666
Raise a claim through our website here
Email us at ihealthcare@icicilombard.com

Who do I call at the time of emergency hospitalisation?

You can contact us on our toll-free number, 1800 2666 or SMS "HEALTHCLAIM" to 575758 for a callback. Use the health card at any network hospital to avail of our cashless service. Contact us within 24 hours of hospitalisation for cashless emergency hospitalisation.

For cashless emergency hospitalization, we need to be contacted within 24 hours of hospitalization.

Do I have to pay any amount while claiming ICICI Lombard Health AdvantEdge Insurance?

This plan has a 0% copay clause. You can opt for 10% or 20% based on your needs & budget.

What do I do if my claim is rejected?

A claim can be rejected for several reasons, such as an incomplete waiting period, incorrect information provided, delay in making a claim & others. If your claim is denied, you can ask the reason for such rejection. If you're not convinced, you can contest the decision.

How many plans does ICICI Lombard Health AdvantEdge have?

Health AdvantEdge has 3 plans:

Prime: 3/4 Lacs
Royal: 5/7.5/10/15/20/25/30/40/50 Lacs
Apex: 75/100/150/200/300 Lacs

I wish to add my spouse to an individual health insurance policy. Is it possible?

You can change your policy to a family floater health insurance policy at renewal and easily add your spouse.

What is the tenure for ICICI Lombard Health AdvantEdge policy?

Each policy period is one calendar year from the date of purchase.

Do I need a pre-medical check-up while buying ICICI Lombard Health AdvantEdge policy?

No, you don't have to go for a pre-policy medical check-up if your age is below 45 years. However, a pre-policy medical check-up is compulsory if you are 45 years or above. Your medical examination will be done at our designated diagnostic centre. We will return the cost incurred for the test if your proposal for Health AdvantEdge is accepted.

What happens if I don't renew my policy on time?

We provide a grace period of 30 days from the expiry of the policy. Beyond this period, you lose your renewal benefits, including continuity benefits required to cover pre-existing diseases. You will have to apply for a fresh policy post the grace period.

Can I cancel my ICICI Lombard Health AdvantEdge policy?

We provide a 15-day free look period. You may cancel this policy in the free look period by giving us written notice, and then we shall refund the premium.

Got questions? Let's talk! Share your contact details and we'll give you a call.

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What is ICICI Lombard Health AdvantEdge policy?

Top reasons to buy ICICI Lombard Health Insurance Plans for Family

Why should you buy a health insurance policy for yourself and your family?

Medical costs are skyrocketing

Employer provided health insurance policy is not enough

Lifestyle diseases are on a rise

You can save some on family health insurance premium

You get tax benefit on health insurance premium

Why should you buy family health insurance online from ICICI Lombard?

What is Covered in ICICI Lombard Health Insurance for Family?

Hospitalisation

The policy covers hospitalisation expenses incurred for more than 24 hours. These include doctor’s fees, room charges, medical bills, etc.

Pre and post hospitalisation

The policy covers pre- and post-hospitalisation expenses for 60 days and 180 days, respectively, subject to the approval of the in-patient claim.

Day care treatments

The policy covers some day care treatments that require hospitalisation for less than 24 hours, such as chemotherapy, dialysis, and radiotherapy.

AYUSH treatment

The policy covers AYUSH treatment taken in a government hospital or any institute recognised by the government and accredited by the Quality Council of India or the National Accreditation Board on Health.

Wellness program

Get rewarded for adopting a healthy lifestyle, and redeem those wellness points to reduce OPD bills, diagnostic expenses, the cost of medicines, etc.

Loyalty bonus

Provides a 20% increase of the expiring or renewed Annual Sum Insured (whichever is lower) at the end of each policy year, as long as the policy is continuously renewed.

Domestic road ambulance

Get coverage for availing an ambulance service offered by a hospital or an ambulance service provider in an emergency.

Claim protector

Get coverage for items that are not payable as claims provided acceptance of in-patient hospitalisation claims.

Restore benefit

Restore your sum insured up to 100% of the base sum insured to ensure you never run out of cover.

Cashless hospitalisation

Enjoy the benefit of cashless hospitalisation at network and non-network hospitals.

Pre-existing diseases

Get coverage for declared and approved pre-existing diseases at the time of proposal after a waiting period of 2 years.

Pre-policy medical check-up

No medical check-up is required for health coverage below 45 years and a sum insured of up to Rs 10 lakhs.

Domiciliary hospitalisation

Get coverage for domiciliary hospitalisation due to the non-availability of a bed at the hospital or the inability to move to a hospital. Expenses for qualified nurses engaged on the recommendation of the attending medical practitioner are also covered.

Domestic air ambulance

Get covered for air ambulance charges to transfer you to the nearest hospital for emergency care up to the sum insured.

Organ donor

Get reimbursement for organ donor expenses up to sum insured, provided hospitalisation claim for organ donor surgery is accepted.

Emergency services

Get covered for road ambulance expenses for emergency care, virtual or telephonic consultation with a medical practitioner for routine health issues.

Co-pay

No need for copayment on medical bills unless opted for.

Lifelong renewability

Get covered at every stage of life with the provision to renew the policy every year without age restriction.

Floater benefit

Get all family members covered under a single plan by paying only one premium. You can cover self, spouse, dependent children, brothers and sisters.

Free-look period

You can cancel your policy anytime within the free-look period by giving a written notice within 30 days of receiving the policy document.

Convalescence benefit

Get a convalescence benefit, a lump sum of Rs 20,000, once in a policy year. However, you need to be hospitalised for over 10 days to get this benefit.

Critical illness cover

The critical illness insurance offers coverage for 20 critical ailments with a 30-day survival clause. The cover will be equal to the sum insured or up to Rs 50 lakhs, whichever is lower.

Bariatric surgery cover

Get coverage for bariatric surgery recommended by a doctor for a BMI greater than or equal to 40. After a waiting period of 3 years, coverage is applicable for a person aged 18 or more, capped at 50% of the sum insured.

Permanent exclusions

Exclusions valid for the first 2 years

ICICI Lombard Health AdvantEdge Insurance policy add-on benefits

Maternity benefit

Claim protector

Co-payment option to choose 10% or 20% co-pay

Teleconsultations

What is the difference between mediclaim insurance and health insurance policy?

Mediclaim vs Health Insurance

Claim calmly

Health Insurance Plans for Family

Benefits of buying health insurance plans for the family

Covers entire family

Affordable premiums

High coverage

Flexibility to add family members

Tax benefits

Zero hassle health policies starting @₹20/day ^A

10,300+ Healthcare providers^C