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Health insurance just got 18% cheaper – no GST applicable!

Reliable Protection. Zero Worries. Zero% GST^AO

Health Coverage for Everyone.
Simple, Trusted, Secure.

Health coverage

starting at ₹11/day^A

Access to 11,000+

Network hospitals^C

100%

reset benefit^S

Health Insurance

Late-night symptom searches? Random body ache that suddenly feels serious? Yeah, we’ve all been there. Thankfully, health insurance isn’t just for “what if something goes wrong” moments. It’s more like your backup plan that quietly has your back, whether it’s a planned procedure or a sudden hospital visit. No panic, no scrambling for funds. Just support when you need it.

That’s exactly what ICICI Lombard Health Insurance is built for. It helps cover medical expenses like hospitalisation, pre-and post-treatment care, surgeries, and more, so you can focus on getting better instead of worrying about bills. And it doesn’t have to be expensive either. Plans start at just ₹11/dayA. You can customise your health insurance coverage with add-ons, choose what fits your life, and access 11,000+ hospitalsC across India. Simple, flexible, and designed around you.

What is Health Insurance?

Think of health insurance as a subscription for your health. You pay a fixed amount every year, your premium, and in return, you get coverage for medical expenses like hospital stays, surgeries, and treatments, as per your medical insurance policy. It quietly runs in the background, so when something comes up, you’re not starting from scratch.

It’s not just about emergencies anymore. Many health insurance plans today also support everyday healthcare, like doctor visits, preventive check-ups, and even mental wellness. So instead of dipping into your savings every time something comes up, you have a system in place that helps you handle it smarter.

Health Insurance - Happy Family with Health Insurance

Quick Summary

You can customise your medical insurance by opting for add-ons like OPD+ rider, Jumpstart, Worldwide Cover, etc.
Health insurance helps you deal with rising medical bills by providing coverage for pre-and post-hospitalisation expenses, critical illnesses and surgeries.
Choose the best health insurance policy based on your healthcare and lifestyle needs – compare different policies, benefits, waiting periods and terms and conditions.
Health insurance premium depends on factors like age, location, medical history, type of coverage selected, add-on opted and discounts applied.
You can avail cashless hospitalisation at any hospital of your choice across India.

Get dedicated support with IL Sahayak, right inside the hospital.

Explore Now

How Does Health Insurance Work?

Health insurance is your safety net during medical emergencies. You just need to pay a premium to keep your policy active. In exchange, the insurance company promises to cover your medical expenses as per the policy’s terms and conditions. Just note that medical insurance has certain waiting periods and coverage limits – it is advisable to understand them thoroughly to make the most of your policy.

Let’s understand how it works with an example:

You want a health insurance policy with a high sum insured to secure yourself.

You choose a ₹1 crore health insurance plan and pay the required premium for it.

Later, you fall sick and need hospitalisation.

You visit a network hospital and opt for cashless treatment.

The total hospital bill comes to ₹15 lakhs.

Your insurer directly settles the admissible bill with the hospital, and you pay only for what’s not covered by your health insurance policy.

You still have an unused sum insured of ₹85 lakhs left.

Types of Health Insurance Plans

While there are multiple types of health insurance plans, each type caters to a particular need or purpose. Knowing the difference between them can help you choose the right health insurance!

Individual Health Insurance

An individual health insurance covers only one person. It offers coverage for hospitalisation, AYUSH treatment and other health-related expenses for one person. This policy is ideal for young professionals and those looking to secure themselves against any future medical emergencies.

View Plan

Health Insurance for Family

A floater health insurance covers all your family members under one policy. In simple terms, you can include your spouse, children and even parents as insured members. The sum insured is shared among your family, thereby making it easier to manage the policy.

View Plan

Super Top-up Health Insurance

This policy works on a deductible model. So, choose a super top-up health insurance policy if you already have a base medical insurance plan but want extra coverage at a lower cost. It kicks in after your existing coverage limit is exhausted.

View Plan

Health Insurance for Critical Illnesses

A critical illness health insurance plan offers coverage for serious illnesses like cancer, kidney failure, or heart disease. It provides a lump-sum payout to help manage treatment costs and ensure financial stability. It is ideal for people with a family history of critical diseases.

View Plan

Importance of Buying Health Insurance

Medical Inflation

Healthcare costs are increasing every year. Medical tests, hospital stays and treatments cost much more than they did earlier. Health insurance helps protect your savings from rising medical expenses.

Lifestyle-Related Diseases

Busy schedules, stress, and food habits are leading to more cases of diabetes, blood pressure and heart problems. These conditions often need regular treatment and monitoring, which health insurance helps manage.

Environmental Factors

Poor air quality and rising pollution levels are causing breathing issues, allergies, and heart-related complications. Medical insurance ensures you can seek medical care without delaying treatment due to cost concerns.

Critical Illnesses

Conditions like cancer and heart disease are no longer rare or age-specific. Treatment often starts immediately and continues for months. Health insurance helps you focus on care, not expenses.

Medical Emergencies

Accidents, sudden illnesses and unexpected hospital visits can happen anytime. Health insurance helps you stay financially prepared when life takes an unexpected turn.

Don’t wait for a hospital bill to realise the importance of health insurance.

Buy Now

0% GST on Health Insurance^AO

Yes, you read that correctly! The Goods and Services Tax (GST) on health insurance premiums has been reduced to 0% by the GST Council. This exemption means you pay 18% less while enjoying the same comprehensive cover. The change makes health insurance more affordable and accessible than ever for you and your family.

Terminology in Health Insurance

1
Sum Insured: It is the maximum amount your insurer will pay in a policy year. Choose it wisely. If you choose a lower sum insured, you may end up paying the difference out of pocket during a major hospitalisation.
2
Deductible: This is the portion of your claim amount you agree to pay before the insurer steps in. Opting for a voluntary deductible can reduce your premium.
3
Co-payment: This is a cost-sharing arrangement where you cover a fixed percentage of the claim and the insurer covers the rest. Example: 10% co-pay means you pay ₹1,500 on a ₹15,000 hospital bill.
4
Waiting Period: This refers to the time you must wait before certain benefits kick in. Most policies have a 30-day initial waiting period for illnesses (accidents are usually covered from day one).
5
Premium: This is the amount you pay to keep your policy active. Think of it like a subscription for your health coverage.
6
Pre-existing Diseases: It refers to any medical conditions you had before your policy start date. Coverage for PEDs typically kicks in after a waiting period of 1–3 years.
7
Add-ons/Riders: These are optional extras that enhance your base coverage. Includes add-ons like OPD cover, maternity cover, worldwide cover, or critical illness riders. You pay a little more; you get a lot more.
8
Reset BenefitS: Your sum insured gets restored even after it is exhausted, unlimited times. So even if you claim multiple times in a year, you never run out of cover.
9
Exclusions: This is what your policy does not cover. Always read these carefully as knowing your exclusions upfront prevents unpleasant surprises at claim time.
10
Cashless Treatment: You walk in, get treated, walk out. The insurer settles the bill directly with the network hospital. No upfront payment needed from you.

How to Choose the Best Health Insurance Policy?

Do not just buy the first health insurance plan you see. Follow this simple guide to choose the best health insurance for yourself and your family:

Start with your actual needs:

Are you buying for yourself, your family, or your parents? Do you have any pre-existing conditions? Do you travel frequently? Your answers should shape your coverage, not the other way around.

Compare, do not just browse:

Look at sum insured, waiting periods, network hospitals, add-on options, and claim settlement process side by side. A health insurance plan that looks cheap may cost more in the long run if it has high co-pays or sub-limits.

Pick the right sum insured:

Medical costs are rising. A ₹5 lakh cover that felt adequate five years ago may barely cover a week-long hospitalisation today. Factor in your city, your age, and your lifestyle.

Read the inclusions and exclusions:

This is the fine print that matters. Know what is covered and what is not, especially for chronic conditions, maternity, and specific treatments.

Check the hospital network:

The bigger the network of cashless hospitals near you, the easier it is to get treated without arranging upfront funds.

Look at the insurer's track record:

Claim settlement ratio and customer reviews are good indicators of whether your insurer will be helpful when you actually need them.

ICICI Lombard Health Insurance Policies at a Glance

Elevate

Our revolutionary health insurance with infinite benefits

Coverage: ₹7.5 lakhs to unlimited sum insured
Unlimited reset of sum insured^S
Add-ons like Jumpstart, 2-Hour Hospitalisation, etc
Ideal for people who want high coverage + max customisation

Know More

Activate Booster

Our super top-up health insurance for maximum flexibility

Coverage: ₹10 lakhs to ₹3 crores
Offers sum insured with flexible deductible options
Multiple optional covers to enhance policy coverage
Ideal for people looking for extra coverage

Know More

Activate Booster (Combo*)

Our revolutionary health insurance with infinite benefits

Coverage: Up to ₹1 crore
A powerful combo of Elevate + Activate Booster
Extensive coverage that goes beyond hospitalisation
Suitable for both individuals and families

Know More

MaxProtect

Our high sum insured health insurance policy

Coverage: ₹1 crore to Unlimited Sum Insured
Offers worldwide medical coverage
Offers coverage customisation option
Ideal for people looking for extensive coverage

Know More

Health AdvantEdge

Our health insurance with holistic coverage

Coverage: ₹7.5 lakhs to ₹3 crores
Offers wellness and preventive care benefits
Offers optional cover for critical illness
Ideal for families looking for flexibility

Know More

What are the Top Reasons to Buy
ICICI Lombard Health Insurance Policy?

We offer health insurance policies that combine wide coverage with flexibility. You get access to a large network of hospitals, quick cashless claim settlements and round-the-clock support. Our policies also offer preventive care and wellness benefits. Here’s why millions of customers choose our health insurance products

Affordable Premium

You can get extensive health coverage at a price that fits your budget. For example, you can buy our health insurance online with premiums starting at only ₹11/dayA.
Flexible Coverage

We offer flexible coverage options that let you choose the right sum insured and optional covers to customise your health insurance based on your lifestyle, age and family needs.
Unlimited Reset Benefit

All our health insurance policies offer unlimited Reset BenefitS. This ensures you never run out of cover even in case of multiple hospitalisations during the policy tenure.
Amazing add-ons

You can choose optional covers for outpatient care, reducing waiting period, critical illness, medical expenses, and more. These can help you to customise and enhance your health insurance coverage.

Network Hospitals

We have a vast network of hospitals, ensuring that you have easy access to top-notch healthcare services whenever needed. With us, you get access to 11,000+ network hospitals^C for hassle-free service.
Wellness Programmes

Our health insurance policies reward you for undertaking wellness activities and leading a healthy lifestyle. You get reward points that you can use to get discounts.
Hassle-free Claim Settlement

We offer hassle-free claim settlement with our in-house team, which is available 24/7. You can contact our team anytime with your claims or queries, and our team will address everything promptly.

Cashless Everywhere with ICICI Lombard Health Insurance

With our health insurance plans, you can enjoy the convenience of cashless hospitalisation across India, at a hospital of your choice. You don't have to worry about arranging money upfront during a medical emergency. Simply visit any hospital - network or non-network - to avail cashless hospitalisation. We will settle the bill on your behalf and send it directly to the hospital. Our cashless facility allows you to focus on what truly matters and ensures you receive quality care on time. Be it a planned hospitalisation or an emergency, our cashless feature has you covered.

Health Insurance - Cashless Hospitalisation With ICICI Lombard

What is Covered and Not Covered Under Health Insurance?

What’s Covered
What’s Not Covered

Hospitalisation Expenses

Covers medical expenses incurred during your hospitalisation as per your health insurance policy.
AYUSH Treatment

Covers expenses for Ayurveda, Yoga, Unani, Siddha and Homeopathy (AYUSH) treatments.
Technological Advancements and Treatments

Health insurance covers expenses for modern treatments like immunotherapy, robotic surgeries, Deep Brain stimulation, etc.
Pre and Post Hospitalisation Expenses

Covers medical expenses incurred for a specified period before hospitalisation and after discharge.
Domiciliary hospitalisation

Covers the cost of getting treated at home as per your health insurance policy’s terms and conditions.
Day Care Treatment

Covers minor treatments requiring less than 24 hours of hospitalisation.
Donor Expenses

Covers the organ donor’s hospitalisation expenses.
Emergency ambulance

Covers expenses incurred for availing domestic ambulance services during emergencies.
Reset Benefit

Enjoy unlimited restoration of your sum insured for any disease or injury.
Wellness Program

Get rewarded with discounts and other deals for having an active lifestyle.
Loyalty Bonus

Get 20% increase in annual sum insured on renewing your health insurance policy.
Bariatric Surgery

Covers medical expenses incurred for bariatric surgery or procedure.

Pre-existing diseases

Does not cover treatment of pre-existing conditions during waiting period.
Specific Waiting period

Treatment of certain specified and listed diseases during waiting period is not covered by health insurance.
Initial Waiting Period

Does not cover hospitalisation for any illness within 30 days of policy start date (except for accidents).
90-day Waiting Period

Does not cover the treatment of certain illnesses like BP, diabetes and heart conditions within 90 days of policy issuance.
Self-inflicted Injuries

Health insurance does not cover treatment for intentional self-injury.
Investigational Expenses

Hospitalisation for diagnostics and evaluation purposes is not covered.
Change-of-gender treatments

Does not cover treatment or surgery expenses incurred to change one’s gender.
Cosmetic/Plastic Surgery

Our health insurance policies do not cover cosmetic or plastic surgery unless it is medically necessary.

Note: This is not an exhaustive list. Please go through the policy wording for detailed list of inclusions and exclusions.

What are Optional Add-Ons in Health Insurance?

Optional covers or add-ons give you extra benefits over and above your base policy for an additional premium. You can choose from a range of add-ons offered by our health insurance policies:

Infinite Care^AH

This add-on offers one-time, no-limit coverage for one claim during the lifetime of your health insurance policy (subject to terms and conditions).

Jumpstart^AG

Get coverage for pre-existing diseases like Asthma, Diabetes, Hypertension, etc. from just 30 days after policy inception (subject to policy terms and conditions).

Befit^AI

Get covered for expenses like doctor consultations, diagnostic tests, physiotherapy. It’s like a big safety net for those smaller medical needs.

Critical Illness Cover

This add-on offers lump sum payout (based on terms and conditions) if you’re diagnosed with any of the listed critical ailment for the first time in your life during the policy period.

Room Modifier^AU

Enjoy the freedom to upgrade or downgrade your hospital room category and focus on recovery, not bills.

Health Insurance Add On - Personal Accident

Personal Accident^AW

Offers a fixed percentage of sum insured (as per policy T&C) to you or your nominee or legal heir in the unfortunate event of your accidental death or disability.

Power Booster ^AX

Offers a 100% loyalty bonus on your annual sum insured without any premium increase as a reward for renewing with ICICI Lombard.

Voluntary Co-payment

Get a discount on your health insurance premium for opting to pay a certain percentage of the admissible claim amount.

Voluntary Deductible

Agree to pay deductible amount for hospitalisation expenses as specified in your policy schedule and enjoy a discount on your premium.

OPD+ Rider^AT

Offers coverage for outpatient medical expenses like dental expenses, vision care, pharmacy bills, dermatological procedures, etc.

Health Insurance Add On - Network Advantage

Network Advantage^AV

Enjoy a 10% discount on your health insurance premium for availing treatment at our network hospitals.

Health Insurance Add On - Worldwide Cover

Worldwide Cover ^T

Avail cashless hospitalisation abroad with a health insurance coverage of up to ₹3 crores.

Note: Please read the policy wordings for detailed information about optional covers/add-ons.

Healthy habits start with one smart decision today

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Compare ICICI Lombard Health Insurance Online

The first step to choosing the best health insurance for yourself and family is knowing your options. Here is a quick look at different features offered by health insurance policies offered by ICICI Lombard.

Parameters	Elevate	Activate Booster (Combo*)	Activate Booster	MaxProtect	Health AdvantEdge
Coverage Area	India + Worldwide (via add-ons)	India + Worldwide (via add-ons)	India	India + Worldwide (via add-ons)	India + Worldwide
Sum Insured	₹7.5 lakhs to Unlimited	Up to ₹1 crore	₹10 lakhs to ₹3 crore	₹1 crore to Unlimited	₹7.5 lakhs to ₹3 crore
Hospitalisation Expenses
Pre and Post Hospitalisation Expenses
AYUSH Treatment
Day Care Treatment
Domiciliary hospitalisation
Emergency Ambulance
Donor Expenses
Reset Benefit		Up to Base Sum Insured
Teleconsultation
Maternity Cover	(via optional cover)	(via optional cover)			(via optional cover)
OPD Expenses	(via optional cover)	(via optional cover)
Cashless Hospitalisation
Pre-existing Diseases	Optional cover available to reduce waiting period	Optional cover available to reduce waiting period	Optional cover available to reduce waiting period	Optional cover available to reduce waiting period	Post completion of waiting period
	Buy Now	Buy Now	Buy Now	Buy Now	Buy Now

What is Pre-existing Disease in Health Insurance?

A pre-existing disease is any medical condition, illness or injury that you were diagnosed with or received treatment for within 36 months prior to your policy start date. Some common examples include asthma, diabetes, hypertension and heart conditions. Here are a few important things to know about pre-existing diseases in health insurance:

Always declare your PEDs: Non-disclosure can lead to claim rejection or policy cancellation. Declare everything upfront — your waiting period handles the rest, not a claim denial.
Standard waiting period: Most health insurance policies have a 2–3 year waiting period for PED. Coverage for those conditions kicks in only after that period is complete.
Once the waiting period is done: All pre-existing conditions are covered fully under your health insurance policy with no additional premium, no exclusions.

Want to reduce that wait? With ICICI Lombard’s Jumpstart add-on (available on Elevate), your PED waiting period drops to just 30 days after policy inception.

Pre-existing Disease in Health Insurance

What is the Difference Between Mediclaim
and Health Insurance?

The terms ‘mediclaim’ and ‘health insurance’ are often used interchangeably but they have different meanings. A mediclaim policy covers only hospitalisation expenses. However, health insurance offers extensive coverage that goes beyond basic hospitalisation. It covers pre and post hospitalisation expenses, AYUSH treatments, ambulance expenses, preventive check-ups, and more.

Here’s a quick snapshot of mediclaim vs health insurance:

Feature	Mediclaim policy	Health insurance
Coverage Scope	Limited to medical expenses like hospitalisation and room rent.	Offers wider coverage, including pre and post hospitalisation, modern treatments, domiciliary hospitalisation, donor expenses, etc.
Sum Insured	Lower than health insurance.	Higher sum insured, with Elevate health insurance offering unlimited sum insured.
Add-on covers	Not available	Option to enhance coverage with add-ons (subject to payment of additional premium).
Flexibility	Limited scope compared to health insurance.	Insured members can customise their coverage based on their medical needs.

What are the Eligibility Criteria to Buy
Health insurance in India?

Your health insurance eligibility depends on multiple factors related to your health and risk profile. Some of these include your age, pre-existing diseases, lifestyle, etc. Our health insurance policies have the following eligibility criteria:

Eligibility Criteria	Specifications
Age - Adults	Adults aged 18 years and up to 125 years
Age - Children	Child aged 6 years and above (proposer must be above 18 years) can be covered under an individual health policy. Dependent children aged 91 days to 30 years can be covered under a family floater health insurance.
Nationality	Indian residents and NRIs
Policy Type	Individual and family floater
Waiting Period	Initial waiting period of 30 days; Specified Disease waiting period of 2 years; and Pre-existing disease waiting period of 3 years

Age criteria: Anyone aged 18 years and above can buy health insurance online. You can also add your spouse, dependent children (aged 91 days to 30 years) and parents to your policy.
Nationality: You need to be an Indian citizen to secure yourself with a medical insurance in India. Many insurers are now also offering health insurance coverage to NRIs.
Pre-existing Diseases: Having an existing health condition can influence your health insurance policy eligibility. You need to serve a waiting period before getting coverage for them.

How to Buy Health
Insurance Online?

Buying health insurance online is quite straightforward. Just follow the below steps:

Visit our website and click on ‘Health Insurance’.

Choose a health insurance policy, select the number of people you want to insure, provide required details and click on ‘Get quote’.

Pick the desired sum insured, health insurance plan and add-on covers as per your needs.

Check coverage details/policy documents and click on ‘Buy Now’.

Choose the health insurance policy tenure (ranging from one to five years). Pro tip: Choose a long-term policy to save on premium.

Review the premium break-up and complete your KYC.

Pay the required premium. You’ll receive the digital policy copy on your email and WhatsApp number.

Buy Now

What are the Documents Required
to Buy Health Insurance?

You generally need the following documents to buy health insurance online:

Identity and Address Proof: Aadhaar card/PAN card
Medical Details: Previous medical reports and prescriptions (if required)
Existing Policy Documents (for porting): Current health insurance policy, renewal notice, portability form

Documents Required to Buy Health Insurance

Buying health insurance is now easier than booking a movie ticket

Secure Yourself

How to Calculate Health Insurance Premiums?

Your health insurance premium is calculated based on factors like your age, type of coverage, sum insured and add-ons selected, location, applicable discounts, etc. Knowing how premiums are calculated can help you plan better and choose a health insurance policy that fits both your budget and medical needs. Here’s a quick dive into different factors needed to calculate your health insurance premium online:

Age: It plays a huge role in determining your health insurance premium. The lower the age, the lower the amount you need to pay as insurers generally consider young individuals less likely to need frequent medical care.
Number of People Covered: Your health insurance premium also depends on whether you want to insure just yourself or your loved ones as well. Insuring multiple members can increase your overall health insurance premium amount.
Type of Coverage: This is another factor that affects your premium. Different policy types, like individual health insurance, family floater health insurance, mediclaim policy or critical illness insurance, have different coverage scope and premium structures.
Coverage Amount: Your premium is directly linked to the sum insured you choose. A health insurance policy with a higher sum insured will help to cover higher medical expenses but also increase the premium amount.
Add-ons: Opting for optional covers like Jumpstart, OPD+ Rider, Worldwide Cover, Infinite Care, etc helps to enhance your coverage and provides well-round protection. But these add-ons also increase your premium amount.
Location: Medical costs vary across cities and zones, and insurance companies factor this in while calculating premiums. As a result, premiums may be higher in metro cities compared to smaller towns.

You can also use a health insurance calculator to get a fair idea about your payable medical insurance premium.

Calculate Premium Now

Which Factors Affect Health Insurance Premiums?

Age

Since older individuals are more prone to health issues, their health insurance premiums tend to be higher. That’s why it is advisable to buy a health policy when you’re young.

Lifestyle

Your lifestyle choices influence your premium. How? Insurers consider people with high-risk habits (like smoking or drinking) to have a higher medical dependency in the future.

Policy type

Your premium is also affected by the type of policy you choose. A health insurance policy with extensive coverage will naturally have a different premium than a basic policy.

Place of Residence

The location where you stay can also influence your premium. Why? Because treatment costs in metro cities are typically higher than in non-metro areas.

Medical History

Your current health condition and family’s medical history can significantly influence your health insurance premium as it indicates higher health risks in the future.

Policy Duration

The policy tenure you select also affects your health insurance premiums. Policies with one-year duration may have higher premiums compared to long-term policies.

How to Reduce Your Health Insurance Premiums?

While it is important to understand which factors affect your medical insurance premium, you can consider the following tips to reduce it:

Compare Policies Online

Not all health insurance plans are the same. You may end up compromising on your coverage by choosing the cheapest health insurance. So, thoroughly compare health insurance policies online to find the one that best suits your budget and coverage needs.

Health Premium - Choose Right Sum Insured

Choose the Right Sum Insured

Select a sum insured that adequately meets your healthcare requirements without emptying your pocket. It is important to find the right balance between sufficient health insurance coverage and a premium you find affordable.

Buy Health Insurance Early

Young people are usually healthier than their older counterparts. Hence, they enjoy lower premiums. Buying the best health insurance in your 20s and 30s helps you to get lower rates and avoid higher premiums later.

Select Long-Tenure Coverage

Choosing a long-term health insurance policy helps you to lock in coverage for multiple years. This helps you to avoid yearly renewals and coverage gaps. It also attracts amazing discounts from the insurer.

Opt for Voluntary Co-Payment/Deductible

You can get discounts on health insurance premiums by opting for voluntary co-payment or deductible. These two are useful options to reduce your premium whilst keeping your coverage intact.

Health Premium - Follow Healthy Lifestyle

Follow a Healthy Lifestyle

Health insurance companies usually reward their customers for maintaining a healthy lifestyle. You can participate in wellness programmes and preventive health check-ups to earn reward points, which can be redeemed to avail discount on premiums.

Look for Discounts

Many insurers offer multiple discounts to attract policyholders. For example, ICICI Lombard offers discount for buying health insurance policy online, having a good credit score, opting a voluntary deductible, etc.

What are the Common Mistakes Made While
Buying Health Insurance?

Focusing Only on Premium

This is one of the most common mistakes people do while buying insurance policy. Remember, the best health insurance policy for you is the one that provides comprehensive coverage at a reasonable price.
Not Comparing Policies Online

Never buy a health insurance policy without comparing multiple options available in the market. Different policies have different benefits, coverages and exclusions. Compare health insurance policies online and choose the one that meet all your healthcare requirements.
Choosing Insufficient Sum Insured

Some people underestimate future medical costs while others opt for a lower sum insured to save on premium. Always choose a sum insured by taking your healthcare and lifestyle needs into consideration.
Buying Health Insurance Too Late

Don’t wait for a medical emergency to realise the need for health insurance. Delaying the purchase can result in higher premiums or longer waiting periods. Buying early helps you to save on premiums and complete waiting periods sooner.

Not Declaring Pre-existing Diseases

Keeping your pre-existing health condition a secret can lead to claim rejection or policy cancellation later. You should always disclose your pre-existing diseases, be it asthma or diabetes, at the time of health insurance policy purchase.
Overlooking Waiting Periods

Many people don’t check the waiting periods applicable in their health insurance policies. Always review the waiting period for pre-existing diseases, maternity coverage or specific treatments to avoid surprises during claims.
Ignoring Co-payments/Sub-limits

While purchasing a medical insurance, many people overlook room rent limits, co-payment clauses and treatment-specific sub-limits. Ignoring these can significantly increase your out-of-pocket expenses during claims.

Policy Regulation

It regulates how health insurance policies are designed, priced and offered. It controls policy terms, benefits, exclusions and premium structures.
Licencing

The IRDAI has the authority to grant, renew, modify, suspend or cancel the licence of insurance companies and intermediaries.
Policyholder Protection

It protects customer in matters related to policy terms and conditions, nominations, claim settlement, surrender value, etc.
Grievance Redressal

The IRDAI has a formal escalation mechanism to help policyholders. You can escalate unresolved complaints through its grievance redressal systems.

What are the Common Health Insurance Myths in India?

Myth 1

I’m young and healthy, so I don’t need health insurance

This is one of the most common beliefs. But being young or feeling healthy doesn’t always mean you’re risk-free. Many lifestyle-related conditions develop quietly without obvious symptoms. Buying health insurance early helps you stay prepared and complete waiting periods in time, so you’re covered when it actually matters.

Myth 2

My corporate health insurance is enough

It’s convenient to rely on employer-provided health insurance, but it usually comes with limited coverage and little flexibility. Also, this cover ends when you switch or leave your job. Having an individual health insurance policy ensures you stay protected at all times, no matter where you work.

Myth 3

I don’t need to disclose pre-existing diseases

Skipping important medical details might seem harmless, but it can cause serious issues later - including claim rejection or even policy cancellation. It’s always best to be transparent about your medical history when buying a policy. Once disclosed, you can serve the waiting period and get covered. With our Elevate policy, you also have the option to cover pre-existing diseases from day 31 with the JumpstartAG add-on.

Myth 4

Health insurance is only useful during hospitalisation

That’s no longer true. Today’s health insurance policies go beyond just hospital stays. They can cover pre and post-hospitalisation expenses, day care treatments, ambulance charges, teleconsultations, OPD expenses, health check-ups and more. ICICI Lombard also rewards you for staying healthy, making your policy useful even when you’re not hospitalised.

Myth 5

Health insurance covers everything

While health insurance offers extensive protection, it doesn’t cover everything. Every policy includes specific inclusions, exclusions, waiting periods and terms you should be aware of. For instance, some non-medical and non-payable expensesmay not be covered. That’s why it’s important to read your policy documents carefully to avoid surprises during claims.

How to Make a Claim for Your Health Insurance?

You can easily file a health insurance claim with ICICI Lombard. Choose a cashless claim if you get treated at a network hospital or opt for a reimbursement claim if you receive treatment at a non-network hospital.

Cashless Claim

Visit the nearest network hospital.

The hospital needs to send your pre-authorisation request up to 48 hours before a planned hospitalisation or within 24 hours of emergency hospitalisation.

We will process your cashless hospitalisation request as per the policy terms and conditions.

You can go ahead with the treatment once the hospital receives approval from our end.

After your treatment is done, we will directly settle your admissible hospitalisation bill. You can track your health insurance claim status on the IL TakeCare App.

Reimbursement Claim

Get medical treatment at any hospital of your choice and pay the bills upfront.

You can raise a health insurance reimbursement claim via our website or IL TakeCare App.

Submit a duly filled claim form along with self-attested supporting documents (in PDF/ JPEG format) on the app or website.

You can also send these documents to the following address: ICICI Lombard General Insurance Co. Ltd, Varun Towers-II, 1st, 4th (Half), 5th and 6th floors, Opp. Hyderabad Public School, Begum pet, Hyderabad, Telangana 500016.

We’ll reimburse the admissible claim amount to your bank account.

For detailed information about ICICI Lombard’s claim process.

IL SAHAYAK - Simplifying Cashless Claims

From hospital entry to exit, we’re right by your side

IL Sahayaks are trained healthcare professionals who support you and your family during hospitalisation at ICICI Lombard’s network hospitals – helping with insurance processes and ensuring a smooth, hassle-free claims experience.

100,000+

Customers Assisted

60+ cities

Covered

3,000+

Hospital Network

140+ IL Sahayaks

On-Ground

Note: The above data is sourced from the ICICI Lombard Investor Update FY2026

How IL Sahayak Supports You?

Admission Support

Faster hospital check-ins
Help with pre-authorisation
Assistance with required documents

Hospital Coordination

Single point of contact for your claim
Coordination with hospital staff
Support for deposit refunds (where applicable)

Discharge Facilitation

Faster claim approvals
Smooth and timely discharge
Help with final paperwork

Post-Hospital Support

Assistance after discharge
Guidance for claim-related queries
Continued support when needed

What Customers say about IL Sahayak

I wanted to extend my heartfelt gratitude for the exceptional support and guidance you provided while processing my recent insurance claim of renal transplant. Your patience, clarity, and step-by-step assistance made a stressful situation much easier to handle.

Chaithra Venkatesh Bangera Mangaluru

During a time that was emotionally and mentally overwhelming for our family, your prompt assistance and clear guidance in handling the entire TPA process brought us immense relief. Because of your proactive approach, we were able to focus entirely on my daughter’s treatment and recovery without the added stress of procedural matters.

Manvi & Ojas Shukla Lucknow

Sanidhya was extremely supportive, responsive, and clear in communication throughout the process. He ensured timely coordination, explained the steps patiently, and helped resolve concerns efficiently, which made the entire cashless hospitalization process smooth and stress-free.

Nitin Kumar Greater Noida

What are the Documents Required for Health Insurance Claims?

The documents you need to submit for a health insurance claim depend on whether you opted for cashless treatment or a reimbursement claim. You don’t need to submit anything besides a pre-authorisation form and your policy/insured member details for a cashless hospitalisation. However, you need to submit the following documents if you opted for a health insurance reimbursement claim:

Duly filled claim form – You can download the claim form from downloads (Select ‘Health Insurance’ > Select ‘Claims’ > Download Claim Form)
Government-issued ID proof of the insured member
KYC form
NEFT details or cancelled cheque copy
Discharge summary (with details of complaint & treatment availed)
Final hospital bill (with detailed break-up), along with interim bills & payment receipts
All investigation reports and pharmacy bills supported by doctor's prescription
Any other documents required by the insurer

Get detailed information about list of claim documents required.

Health Insurance Claim - Documents Required

How to Download Health Insurance Policy Document Online?

You can quickly download your ICICI Lombard health insurance policy document online by following these steps:

Log in

Log into our website or IL TakeCare App using your registered mobile number and complete the OTP verification.

Policy Dashboard

After you log in, you’ll be able to see all the policies linked to your number in the ‘My Policies’ or Policy Dashboard section.

Download Policy Document

Select the relevant health insurance policy and tap on ‘Download Policy Document’ to get the PDF instantly.

You can check out the brochures and policy wordings of our health insurance policies in downloads (Select ‘Health Insurance’ > Select ‘Brochure’ or ‘Policy Wordings’).

How to Renew Health Insurance Online?

Renewing your ICICI Lombard health insurance policy is quite hassle-free. Just follow these steps to renew your health insurance online:

Visit our website

Under the Renewals tab, click on ‘Health Policy Renewal’

Choose how you want to proceed: Policy Number/Registered Mobile Number/Loan Account Number

Enter the required details and click on “Proceed”

Review your health insurance policy. You can also increase your sum insured and/or opt for add-ons.

Pay the applicable renewal premium to stay protected with ICICI Lombard.

Note: Remember to renew your health insurance policy before the expiry date mentioned in your policy document.

What is Portability in Health Insurance?

Portability gives you the option to switch your existing health insurance from one insurer to another whilst retaining your accrued benefits. These benefits can include your waiting period credits for pre-existing diseases, maternity and more. Health insurance portability gives you the option to opt for better sum insured, features and services from a trusted health insurance provider.

Porting to an ICICI Lombard health insurance policy is quite simple. You need to raise a portability request about 45-60 days prior to your current policy’s renewal date. We will review your portability and proposal forms, check your medical and claims history, and then decide whether to issue a health insurance policy based on our underwriting rules.

Port Existing Policy

Health Insurance Blog Articles

Most Common Surgeries for Elderly: Complete List & Risks

The article covers common surgeries performed in elderly patients, including cataract, knee replacement, cardiac, and spinal procedures. It explains recovery risks, post-surgery considerations, and the importance of senior citizen health insurance in managing hospitalisation, treatment, and follow-up care expenses.

26 May 2026

Diabetes in Women: All You Need to Know

The article explains common symptoms, causes, and risk factors linked to diabetes in women. It also covers lifestyle changes for blood sugar management and highlights the importance of health insurance in covering consultations, tests, medicines, and long-term treatment costs.

24 May 2026

Complete Guide on Fraudulent Health Insurance Claims

The article explains different types of fraudulent health insurance claims, including fake treatments, inflated bills, forged documents, and identity misuse. It also covers legal consequences under Indian law and highlights how accurate claim filing supports smoother claim processing and policy continuity.

22 May 2026

What is Health Insurance Claim Investigation Process?

The article explains the health insurance claim investigation process, including claim verification, document checks, investigation triggers, and insurer review procedures. It also lists the documents required and practical steps policyholders can take to avoid delays and ensure smoother claim settlement.

21 May 2026

Nutrition for Kids & the Need for Insurance: An Early Start to Wellness

The article covers the importance of balanced nutrition for children, including essential nutrients, healthy eating habits, hydration, and meal routines.

20 May 2026

Summer Health Safety Tips for the Whole Family

The article explains practical summer safety measures for families, including hydration, outdoor precautions, home cooling methods, and recognising heat stress symptoms.

19 May 2026

Self-Inflicted Injuries: Causes, Signs, and Support Options

Self-inflicted injuries refer to intentional harm without suicidal intent, often linked to emotional distress. The article covers common types, triggers, warning signs, treatment options, and how support systems and health insurance coverage play a role in managing recovery.

06 May 2026

Difference Between Riders and Add-on Covers in Health Insurance

Riders and add-on covers in health insurance provide extra protection beyond base plans. It explains differences in coverage, purchase options, duration, and benefits, helping in choosing suitable options to manage medical expenses and improve overall insurance coverage.

03 May 2026

List of Modern Treatments Covered Under Health Insurance

Modern treatments in health insurance include advanced procedures like robotic surgery, immunotherapy, and stem cell therapy. It explains coverage rules, sub-limits, waiting periods, and documents required to claim expenses under policies based on medical necessity and insurer terms.

02 May 2026

Essential Vitamins for Women That You Need to Know

Essential vitamins for women such as folate, vitamin D, B12, and vitamin C support energy, immunity, and bone health. The article explains their importance, sources, and how preventive care and health insurance support regular checkups and early detection of deficiencies.

02 May 2026

4.8
Our customers have rated us
Based on 3,011 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 Insurance

General
Coverage
Premium
Claims
Renewal

What is sum insured in health insurance?

Sum insured is the maximum amount that an insurance company will pay in the event of a claim in a policy year. Suppose you have an annual sum insured of ₹10 lakhs and your hospitalisation bill amounts to ₹12 lakhs. In this case, your insurer will pay up to ₹10 lakhs as per the policy’s terms and conditions.

What do you mean by a pre-existing disease?

A pre-existing disease refers to any health condition or illness diagnosed about 36 months prior to buying a health insurance policy. You need to complete the applicable waiting period before your policy starts covering the disclosed pre-existing disease.

What do you mean by waiting period?

Waiting period is the specified period of time you need to wait before you can enjoy coverage for certain illnesses, treatments or pre-existing diseases.

If I increase my sum insured at the time of renewal, does a waiting period apply?

Yes. The increased sum insured will attract a waiting period.

My employer provides me with a health insurance. Do I still need one?

Yes. While having a corporate health insurance is helpful, the coverage ends when you switch jobs. Therefore, it is important to insure yourself with a comprehensive health insurance to ensure continuous, customisable coverage.

From what age can I include my children in the plan?

You can include your children aged 90 days to 30 years in your family floater health insurance policy.

Which is the best health insurance policy for me?

It depends on your needs. For example, you can opt for a family floater health insurance if you want to cover multiple family members under a single policy. However, you can also opt for an individual health insurance policy for wider coverage.

What is the advantage of buying health insurance?

Health insurance not only protects you from rising medical costs but also provides cashless hospitalisation, day care treatments, wellness programmes, health check-ups, etc. Apart from this, you can also get tax benefits on your health insurance policy under the old tax regime.

Can a person have more than one health insurance policy?

Yes. You can buy multiple health insurance policies to cover your medical costs. If one insurer rejects your claim, there is still a chance that others may accept as per their terms and conditions.

How does lifestyle (smoking/alcohol consumption) affect health insurance premium?

Smoking or drinking regularly may increase the chances of health issues in the future and health insurance companies factor it into their underwriting and pricing structure.

What is the right age to buy a health insurance policy?

Health insurance premiums are generally lower when you are young and healthy. This helps you save money. Additionally, buying early helps you complete waiting periods for specific illnesses before you might actually need them.

What is the difference between sum insured and sum assured?

Sum insured is the maximum amount you can get when you file a health insurance claim whereas sum assured is the fixed payout paid under a life insurance policy on death or maturity.

Is health insurance mandatory in India?

No, but it is strongly recommended as health insurance policy protects you against rising healthcare costs.

Can NRIs or foreigners living in India buy health insurance?

Yes, NRIs can buy medical insurance for themselves and their families (spouse, children and parents) residing in India, subject to underwriting norms.

Can minors buy health insurance independently?

No. Minors cannot buy a health insurance policy independently. However, parents can serve as proposers for stand-alone child policies for children greater than 6 years. Also, parents can cover their children aged 90 days to 30 years under their family floater health insurance.

Does health insurance cover OPD expenses?

Yes, OPD expenses are covered only if you have opted for the OPD+ rider or BeFit add-on with your ICICI Lombard health insurance policy.

Is health insurance valid outside India?

Most health insurance policies offer usually domestic coverage. However, you can opt for Worldwide Cover add-on to get international coverage.

Can I change the nominee during the policy term?

Yes. You can change or update your nominee by submitting an endorsement request via your insurer’s website or mobile app.

Are daycare procedures covered under health insurance?

Yes. Day care procedures/treatment are one of the basic covers offered by ICICI Lombard health insurance policies.

Does health insurance cover modern treatments like robotic surgery?

Yes. Elevate health insurance covers robotic surgeries under its Technological Advancements and Treatments cover.

Are diagnostic tests like MRI, CT scan and PET scan covered?

Yes, health insurance policies cover diagnostic tests when they are part of hospitalisation and medically necessary.

Is home treatment or domiciliary hospitalisation covered?

Yes, if treatment is taken at home due to medical necessity and subject to policy conditions.

Are alternative treatments like AYUSH covered?

Yes, ICICI Lombard health insurance covers AYUSH treatments.

Does health insurance cover maternity expenses?

You can get coverage for maternity expenses by opting the Maternity Benefit (add-on) available under our Elevate health insurance.

Are ambulance charges covered in health insurance?

Yes. ICICI Lombard health insurance covers road ambulance expenses.

Which diseases are permanently excluded from health insurance?

Depends on your health insurance policy. You can go through the exclusions listed in your policy document for detailed information.

What to do if I am admitted to a non-network hospital?

When you get treatment at a non-network hospital, you need to pay for the medical costs out of your pocket first and later raise the bills with your insurer for reimbursement. You can also check with your insurer to avail cashless treatment through the ‘Cashless Everywhere’ Initiative.

How does the GST waiver affect my health insurance premium?

With the 18% GST waiver, you now pay only the premium amount for your health insurance and no additional taxes. All this without compromising on coverage!

Will my existing health insurance policy also receive the GST benefit?

Yes. All existing health policies that are due for renewal will be GST-free.

How much GST do I have to pay on health insurance?

Effective 22nd September 2025, GST on health insurance has been reduced to 0%. This means your health insurance is GST-free.

Does premium increase every year with age?

Yes. Premiums typically increase with age as the risk of health issues increases over time. Also, for family floater health insurance policies, the premium is based on the age of the eldest family member.

Is it cheaper to buy health insurance at a younger age?

Yes. Buying health insurance early helps to lock in coverage at a comparatively lower premium.

Does choosing a higher deductible reduce premium?

Yes, opting for a higher voluntary deductible amount can lower your health insurance premium.

Are discounts available for buying multi-year health insurance plans?

Yes. ICICI Lombard offers a 10% discount on 2-year policies and a 15% discount on 3-, 4-, or 5-year health insurance (Elevate).

How many years do we need to pay for health insurance?

You need to pay health insurance premium for as long as you want continuous coverage and uninterrupted benefits.

Can I buy health insurance in EMIs?

Yes. You can pay health insurance premium in monthly, quarterly or half-yearly instalments.

How long does health insurance claim settlement take?

It differs from insurer to insurer. ICICI Lombard generally settles both cashless and reimbursement claims within the timelines prescribed by the IRDAI, subject to document submission.

How to avail a cashless treatment?

It’s simple to file a cashless claim with ICICI Lombard. Just follow these steps:

Get admitted to a network hospital
Inform ICICI Lombard through the hospital’s insurance desk or our website/IL TakeCare App, and submit the pre-authorisation form.
Once approved, we will settle the hospital bills as per policy terms.
For detailed info, please click here.

What are the documents needed to file a reimbursement claim?

You need to submit a duly filled claims form, ID proof, bank details, discharge summary, final hospital and pharmacy bills, investigation reports, and any other documents requested by your insurer.

Can I track my health insurance claim status online?

Yes, you can easily track the status of your health insurance claim on our website and IL TakeCare App.

What is the maximum number of claims allowed in a year?

You can file multiple claims under a health insurance policy as long as they fall within the sum insured and adhere to policy terms.

Can I increase my sum insured at the time of renewal?

Yes. You can increase your sum insured under your health insurance policy during renewal (subject to payment of additional premium for the enhanced sum insured).

Do waiting periods reset after renewal?

No, waiting periods do not reset as long as you renew your health insurance policy on time.

Is medical test required again at the time of renewal?

Generally, medical tests are not required at the time of policy renewal. Check with your insurer for more information.

What happens if I miss my health insurance renewal date?

Missing your renewal date can lead to your health insurance policy lapse and loss of benefits.

Is there a grace period for health insurance renewal?

Yes, ICICI Lombard offers a grace period of 30 days. You need to renew your health insurance policy during this period to retain your policy coverage and benefits.

Can I port my health insurance policy at renewal without losing benefits?

Yes, you can easily port your health insurance policy without losing your accrued waiting period and benefits.

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Health Insurance

What is Health Insurance?

Quick Summary

Get dedicated support with IL Sahayak, right inside the hospital.

How Does Health Insurance Work?

Types of Health Insurance Plans

Individual Health Insurance

Health Insurance for Family

Super Top-up Health Insurance

Health Insurance for Critical Illnesses

Importance of Buying Health Insurance

Medical Inflation

Lifestyle-Related Diseases

Environmental Factors

Critical Illnesses

Medical Emergencies

0% GST on Health InsuranceAO

Terminology in Health Insurance

How to Choose the Best Health Insurance Policy?

Start with your actual needs:

Compare, do not just browse:

Pick the right sum insured:

Read the inclusions and exclusions:

Check the hospital network:

Look at the insurer's track record:

ICICI Lombard Health Insurance Policies at a Glance

Elevate

Activate Booster

Activate Booster (Combo*)

MaxProtect

Health AdvantEdge

What are the Top Reasons to Buy ICICI Lombard Health Insurance Policy?

Affordable Premium

Flexible Coverage

Unlimited Reset Benefit

Amazing add-ons

Network Hospitals

Wellness Programmes

Hassle-free Claim Settlement

Cashless Everywhere with ICICI Lombard Health Insurance

What is Covered and Not Covered Under Health Insurance?

Hospitalisation Expenses

AYUSH Treatment

Technological Advancements and Treatments

Pre and Post Hospitalisation Expenses

Domiciliary hospitalisation

Day Care Treatment

Donor Expenses

Emergency ambulance

Reset Benefit

Wellness Program

Loyalty Bonus

Bariatric Surgery

Pre-existing diseases

Specific Waiting period

Initial Waiting Period

90-day Waiting Period

Self-inflicted Injuries

Investigational Expenses

Change-of-gender treatments

Cosmetic/Plastic Surgery

What are Optional Add-Ons in Health Insurance?

Infinite CareAH

JumpstartAG

BefitAI

Critical Illness Cover

Room ModifierAU

Personal AccidentAW

Power Booster AX

Voluntary Co-payment

Voluntary Deductible

OPD+ RiderAT

Network AdvantageAV

Worldwide Cover T

Compare ICICI Lombard Health Insurance Online

What is Pre-existing Disease in Health Insurance?

What is the Difference Between Mediclaim and Health Insurance?

0% GST on Health Insurance^AO

What are the Top Reasons to Buy
ICICI Lombard Health Insurance Policy?

Infinite Care^AH

Jumpstart^AG

Befit^AI

Room Modifier^AU

Personal Accident^AW

Power Booster ^AX

OPD+ Rider^AT

Network Advantage^AV

Worldwide Cover ^T

What is the Difference Between Mediclaim
and Health Insurance?

What are the Eligibility Criteria to Buy
Health insurance in India?

How to Buy Health
Insurance Online?

What are the Documents Required
to Buy Health Insurance?

What are the Common Mistakes Made While
Buying Health Insurance?