What's the VIBE?

VIBE covers in‑patient treatment, day‑care procedures, modern treatments, AYUSH care, and more.

Yes, ReVibe benefit lets you restore your sum insured whenever you use it, based on the VIBE plan you choose and as per the policy T&C.

Your VIBE plan decides your room type – Twin sharing or Single Private AC room. Using room modifier add-on, you can upgrade to any room category or downgrade to twin sharing room basis VIBE plan.

Yes. You can add optional covers like Thrill Shield, Smart Returns, Room Modifier, Maternity, Spouse Care, Health Check‑Up, Personal Accident, and more, basis the Vibe plan opted.

Smart return gives you a renewal discount after completing 5 claim-free years equal to the base premium of the 1st year when this add-on was opted.

If you buy a multiyear policy, Tenure Glow Up allows you to utilize aggregate base sum insured of all years at any time during a policy period subject to policy terms.

Yes, as an optional add‑on for female members. You can also add Newborn Cover and Vaccination benefits.

Protection cover against accidental injuries while participating in a defined list of adventure sports.

Aura Points are monthly wellness points you earn for every claim‑free month, redeemable for OPD, diagnostics, pharmacy, vision expenses, dental expenses and listed sports engagement activities.

You earn 500 points for Rookie, BasicFit, and Upgrade, and 750 points for Flex, GOAT per claim-free month. You can accumulate up to 12,000 Aura points at a time. Points pause if you claim and restart the next policy year.

Yes, VIBE includes access to gym and other physical fitness activities such as Aerobics, Pilates, Calisthenics, Yoga and Zumba and listed sports engagement activities.

Yes, VIBE includes Mind & Mood Recover with plan‑based mental health psychological counselling sessions from Day 1.

Yes, you get unlimited online doctor consultations that are part of every VIBE plan.

If you have opted spouse care add on at the time of inception, your spouse receives PED and specific waiting–period continuity and accrued bonus, once you include your spouse at a later stage.

Yes, Newborn Baby cover along with Vaccination expense coverage till the child reaches one year of age. (available only if Maternity Benefit add-on is selected).

Yes, maternity, newborn baby cover along with 1st year vaccination expense benefit and maternity waiting‑period reduction add‑ons are built to support future life stages.

Yes, it covers listed adventure sports injuries if you include the Thrill Shield Add-on.

You can add Personal Accident add-on for adult members.

Get coverage for shorter medical stays from 2 hour onwards. Ideal for quick treatments that don’t need full‑day hospitalisation.

For every successful referral, you earn ₹500 referral credit points (max 5 per year = 2,500), which can be used for the next renewal of your Vibe.

A new customer using a valid referral code gets ₹500 off on their premium.

Inform/Intimate ICICI Lombard before admission for planned hospitalization or within 24 hours of emergencies.

Bills, reports, prescriptions, discharge summary, and claim form.

At network hospitals, we handle payment directly.

You pay first, submit bills afterward, and get reimbursed up to your SI.

VIBE includes the following plan tiers: