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Health Insurance

Health Insurance Plan

A medical insurance policy, also called as health insurance, covers medical expenses for illnesses or injuries. It reimburses your bills or pays the medical care provider directly on your behalf. A comprehensive medical insurance covers the cost of hospitalisation, daycare procedures, medical care at home (domiciliary hospitalisation), ambulance charges, amongst others.

A health insurance plan helps you stay covered against various diseases. Additionally, it helps you boost tax savings. Under section 80D of the Income Tax Act, 1961, you can claim tax benefits against your health insurance premium.

Cashless EverywhereQ

Have the freedom to choose any hospital for your & your family's treatment without worrying about your finances. Avail cashless hospitalisation benefits not just at network hospitals but at any hospital near you. You no longer have to find a network hospital or wait for the claim refunds. With cashless hospitalisation benefits at any hospital, you can fast-track your and your family's recovery without any added stress from hospital bills.

Anywhere Cashless

What are the benefits of buying a health insurance policy?

A comprehensive health insurance plan in India comes with many advantages.


Covers complete OPD requirements

ICICI Lombard's Befit plan is tailored to cover the expenses of all your minor and severe health concerns, including teleconsultation with the doctor, pharmacy, and routine diagnostics on a cashless basis.


Covers pre and post hospitalisation

One of the key benefits of a health insurance policy is that it covers your medical expenses incurred just before and after hospitalisation.


Covers pre-existing diseases

A health plan covers you for a pre-existing disease once you have completed the waiting period mentioned in the policy certificate.


Provides cashless treatment

At the time of hospitalisation, you don’t have to worry about arranging cash to pay your hospital bill. Your health insurance company will settle it directly with the hospital if it is in their network.


Lets you claim tax benefit

You can claim a tax deduction on health insurance premium under section 80D of the Income Tax Act, 1961.


Provides additional sum insured

Keeping healthy has its own benefits. You can enjoy additional sum insured for every claim-free year as per the policy certificate of your health plan.

What are the different types of ICICI Lombard health insurance policies?

We offer reliable health insurance plans that take complete care of your medical expenses.

About Elevate Includes BeFit Rider

The policy offers flexibility in terms of sum insured and a wide range of add-on covers to choose from. Enjoy value-added services including reward points for healthy habits, pharmacy and diagnostic services, online chat with doctors, second opinions, and more

Know more

Health AdvantEdge Includes BeFit Rider

ICICI Lombard’s Health AdvantEdge policy provides you with extensive coverage during a medical emergency. The medical policy gives you access to a wide range of cashless hospitals nationwide.

Know more

Health Booster Includes BeFit Rider

Health Booster policy makes your health insurance more potent. It is a super top-up plan that acts as a backup in case your base plan gets exhausted. You can also purchase a Health Booster plan with ICICI Lombard without having a base plan.

Know more

Arogya Sanjeevani Policy BeFit Rider - Coming soon

Arogya Sanjeevani Policy, ICICI Lombard is a health plan that takes care of your basic healthcare needs. It comes at an affordable premium with flexible sum insured options starting from ₹1 lakh.

Know more

Health Insurance Plan

What is Befit Cover?

Get coverage for your OPD requirements on a cashless basis. Befit covers your expenses across physical and virtual consultation by general, specialist and super-specialist doctors as well as physiotherapy sessions. This cover also caters to your other out of pocket expenses such as pharmacy, minor procedures, routine diagnostics and wellness program.

What are the top reasons to buy ICICI Lombard health insurance plans?

In-house claim settlement team that helps you 24x7. And, that’s just the beginning.

  • Elevate
  • Health AdvantEdge
  • Health Booster
  • Arogya Sanjeevani Policy, ICICI Lombard
  • Network Advantage

    Enjoy a 10% discount by selecting a PPN (Preferred Provider Network) hospital for your treatment. If you choose to receive treatment outside the PPN network, a 20% co-pay for the expenses will apply.
  • Infinite Care

    Experience peace of mind with no capping on any one claim during the policy, ensuring full coverage when you need it most.
  • Jumpstart

    Benefit from additional coverage for pre-existing diseases, providing you with comprehensive protection from the start.
  • Unlimited Reset Benefit for Sum Insured

    This benefit ensures that the base sum is fully restored in case of coverage shortfall. Specifically, this provision applies to sum insured (SI) amounts exceeding 10 lakhs. For sums insured up to 10 lakhs, the reset benefit applies once for the same illness as well as for different illnesses.
  • Modern treatments included

    A list of these 12 mordern treatments will be covered. These include:
    • Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
    • Immunotherapy- Monoclonal Antibody to be given as injection
    • Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
    • Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions
    • Balloon Sinuplasty
    • Oral Chemotherapy
    • Robotic surgeries
    • Stereotactic radio Surgeries
    • Deep Brain stimulation
    • Intra vitreal injections
    • Bronchical Thermoplasty
    • IONM - (Intra Operative Neuro Monitoring)
  • No co-pay clause

    A co-pay in health insurance is a fixed sum that you usually pay out-of-pocket for your medical services, and the insurance company takes care of the remaining amount. There is no co-payment clause under ICICI Lombard Health AdvantEdge. That means, you won’t have to worry about the medical expenses eating into your savings.
  • Wellness program

    You earn reward points for undertaking some wellness activities. These include joining a gym or a yoga centre, going for a medical check-up, participating in a health or fitness event organised by us, etc. You can redeem these points on your OPD bills for doctor’s consultation, medicine and drugs, diagnostic expenses, dental expenses, etc.
  • Domiciliary hospitalisation

    In case the insured has to undergo medical treatment at home either because no room is available in the hospital or the patient can't be moved to one, we cover that expense too.
  • Discount on premium

    You save up to 12.5% on our Health Booster policy by paying the premium for 3 years in one go.
  • Cumulative bonus

    You enjoy 10% additional sum insured on every claim-free year with our Health Booster policy. You can get up to 50% cumulative bonus with us.
  • Flexible sum insured

    You get to choose your sum insured from ₹1 lakh to ₹5 lakh depending upon your health needs.
  • Ambulance charges

    Your ambulance expenses will be covered up to ₹2000 per hospitalisation.
Health Insurance Policy

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How to pick a suitable health insurance plan from ICICI Lombard?

Go for the health insurance plan that suits your needs the best!

Sum insured

It is the maximum amount that you can claim in a policy year for hospitalisation. If you are looking for a policy with a lesser coverage (under ₹5 lakh sum insured), you may opt for Arogya Sanjeevani Policy, ICICI Lombard. But, if you need an extensive coverage (above ₹5 lakh sum insured), you should go for ICICI Lombard Health AdvantEdge, our comprehensive health insurance policy. In case you already have a group health insurance and need a super top-up plan, then you can buy our Health Booster policy.

Additional sum insured

It is the bonus amount that is added to your sum insured for every claim-free year. While you can earn up to 10% additional sum insured with ICICI Lombard Health AdvantEdge and Health Booster policy, you can earn up to 5% with Arogya Sanjeevani Policy, ICICI Lombard. The maximum cumulative bonus that can be earned across our health insurance plans is 50%.


You can purchase our add-ons at an additional premium. If you wish to customise your health plan with our add-ons that cover maternity, donor and OPD expenses, then you can consider ICICI Lombard Health AdvantEdge policy. We also let you customise our Health Booster policy with add-ons like critical illness cover critical illness cover, personal accident cover, hospital daily cash, etc.

Compare ICICI Lombard health insurance plans

See what’s covered in our health insurance plan!

ICICI Lombard Health AdvantEdge Health Booster Policy Arogya Sanjeevani Policy, ICICI Lombard
Key inclusions
Pre hospitalisation
Post hospitalisation
AYUSH treatment
Day care treatments
Pre-existing diseases
Home healthcare
Emergency ambulance
Donor expenses
No room rent capping
Reset benefit
Additional sum insured
No co-pay at the time of claims
Value added services
Free health check-up
Wellness program
Maternity cover
OPD & wellness cover
Critical illness cover
Hospital daily cash
Convalescence benefit
Personal accident cover
Temporary total disablement
Repatriation of remains

What is the need for health insurance?

  • Health insurance helps in protecting your savings in case of a medical emergency.

  • Health insurance covers the cost of treatment for illness due to medical conditions, including lifestyle diseases such as diabetes, hypertension and obesity.

  • Employer provided health insurance may not provide adequate coverage. You’ll still need to buy health insurance plans to supplement them.

  • When you buy health insurance, you can avail tax benefit under section 80D.

What are fixed benefits health insurance plans?

  • Fixed benefit plans guarantee a payout if something unexpected happens. If an insured person dies or becomes permanently disabled due to an accident, a fixed benefit plan will settle the claim.

  • Since the claim settlement is based on the occurrence of fatality, the documents required are minimal.

  • Some fixed benefit plans also cover the insured family's needs in the event of death.

What is covered by ICICI Lombard Health insurance policy?

  • Inclusions
  • Exclusions
  • If you require hospitalisation for any illness or injury during the policy year, some of our health insurance plans will cover your hospitalisation expenses.
  • If you need a daycare procedure or treatment, our health insurance plan will also cover the doctor recommended procedure or surgery.
  • Our health insurance plans will also cover your pre-hospitalisation expenses incurred 30 days prior to your hospitalisation and post-hospitalisation expenses incurred 60 days after your discharge from the hospital.
  • Our health insurance policy will also pay for the in-patient AYUSH treatment undertaken in government hospital or in any institute that is government recognised or accredited by the Quality Control Council of India or the National Accreditation Board on Health.

What is not covered in the ICICI Lombard health insurance policy?

  • Diagnostic or pathological costs such as blood tests, scans, or other similar procedures, unless specifically covered under the policy or necessitated by the treatment.
  • Any cosmetic or plastic surgery to change the appearance is excluded from our health insurance. However, we will cover the same surgery performed in the event of a burn, cancer, an accident, or any other essential medical condition.
  • Treatment required as a result of engaging in any dangerous or adventurous activities is not covered under our health insurance policy.
  • Drug, alcohol, or other toxic substance misuse, as well as any other addictive conditions and their repercussions.
  • Medical expenses incurred due to an insured person committing or attempting to commit a criminal act or breach the law.
  • Dietary or nutritional supplements and substances purchased without a recognised doctor's prescription are not covered under our health insurance.
  • Medical expenses related to birth control, abortion, sterility and infertility.
  • Dental procedures unless and until they arise due to an accident.
  • Birth abnormalities, exterior congenital diseases, defects, or anomalies.
  • Unproven treatments or costs associated with unproven treatments, supplies, or services.
Key factors to consider before buying health insurance plans

Key factors to consider before buying health insurance plans

  • Look for the coverage offered under different health insurance plans and choose as per your needs and budget.

  • Check various modes of premium payment to see if your preferred one is available.

  • Before purchasing a health insurance plan, see whether your policy covers pre-existing illnesses or not. There is usually a waiting period for certain medical conditions under health insurance. Check your health policy for it before buying.

  • Go through the list of network hospitals available with your insurer. Ensure your nearest hospital is on the list.

Does your health insurance policy cover coronavirus treatment?

  • The IRDAI (regulatory body for insurance) has mandated health insurance companies to offer coronavirus cover in existing health policies.

  • The COVID-19 claim process is similar to any other medical condition.

  • The policy covers both pre and post hospitalisation expenses related to COVID-19.

Why compare health insurance plans online?

  • Different health insurers offer different plans with different features. By comparing, you can choose a health insurance plan that works the best for you.

  • Premium quotes comparison can help you figure out a health policy that fits your budget.

  • You can check for value-added services like complimentary health check-ups offered by different insurers. Thus, on comparing, you’ll be able to decide the best health insurance policy for yourself.

How to buy health insurance online?

  • 1

    Visit the health insurance section of the ICICI Lombard website.

  • 2

    Enter basic information such as contact details, proposer's information, pre-existing illness details etc.

  • 3

    Customise your policy by choosing the desired sum insured, policy terms, and other information.

  • 4

    Make an online payment using our secure payment gateway.

Difference between mediclaim and health insurance

Parameters Mediclaim Health Insurance
Cover Mediclaim policy covers only hospitalisation, accident-related treatment, and pre-specified medical conditions; that too up to a predetermined limit. Health insurance extensively covers your pre and post hospitalisation expenses along with ongoing treatment’s medical costs incurred while you are hospitalised.
Add-on covers You cannot purchase add-ons under a mediclaim policy. Add-ons are available under health insurance. You can enhance your cover by purchasing add-ons such as critical illness cover, hospital daily cash, etc.
Sum insured The maximum sum insured available under a mediclaim policy is ₹5 lakh. The sum insured that you can opt under health insurance can be as high as ₹50 lakh.
Why choose ICICI Lombard?

Why choose ICICI Lombard?

  • With us, you can buy instant health insurance online by providing a few details.

  • ICICI Lombard has a network of 9500+ Healthcare providersC where you can avail cashless facility.

  • We care for you and are always there to help you 24×7.

  • Through our IL Take Care app, you can experience speedy claim settlement by sharing your policy details and uploading relevant documents.

How to save tax with a health insurance policy?

  • Under the Income Tax Act of 1961, if you are under 60 years of age, you can get a tax exemption of up to ₹25,000 on your health insurance policy premium.

  • Senior citizens are allowed a maximum tax deduction of ₹50,000 on their policy premium.

  • If the premium is paid for both individuals and parents under 60 years of age, the maximum deduction allowed is ₹50,000.

  • If the premium is paid for an individual and family below 60 years, but parents above 60 years, the maximum deduction allowed is ₹75,000.

  • If both individuals and parents are above 60 years, the premium is subject to the maximum tax deduction of ₹1 lakh.

  • Preventive health check-ups are allowed an additional deduction of ₹5,000. However, this cannot exceed the maximum deduction threshold of ₹25,000 or ₹50,000, depending on the individual insured in the health policy.

  • These deductions are provided under section 80D of the Income Tax Act, 1961.

Which health insurance plan is ideal for you?

  • If you are planning to secure your family, a family floater health insurance is ideal for you. By paying a single premium for family floater health insurance, you may cover your parents as well as your children.

  • If you are young and have just started your career, an individual health insurance plan will be a great idea for you. Being young and free from any pre-existing illness, you can get the health policy for an affordable premium.

  • If you or your parents, both or only your parents are above the age of 60 years, choose a health insurance plan that comes with critical illness cover .

  • Health insurance policies that offer sufficient coverage and cover a wide range of illnesses always make a good pick.

Why buy health insurance online?

  • You can compare and choose the appropriate health insurance plan from a wide range of options for plans and insurers.

  • You can also get a premium quote instantly by sharing your basic details and get covered immediately by paying the same.

  • You may get a lower premium as there is no involvement of middlemen.

  • Buying online health insurance saves your time and effort.

Why buy a health insurance plan at an early age?

  • You can get a health policy at a lesser premium. This is because, for the insurance company, the lower the age, the lesser is the health risk associated.

  • You are exempted from the mandatory health check-ups that people of a certain age must undergo to obtain health insurance.

  • Usually, health insurance policies have waiting periods for certain conditions. When you start young, you complete them sooner.

What are the optional add-ons in health insurance?

Critical illness cover

Critical illness cover

Under this add-on, we cover serious medical conditions such as cancer of specified severity, open chest CABG, first heart attack of specified severity, and kidney failure requiring regular dialysis.

Hospital cash cover

Hospital cash cover

You get a daily cash allowance for your hospital stay with this add-on. It helps you bear some share of your out-of-pocket expenses that may not be otherwise covered under hospitalisation.

Donor expense cover

Donor expense cover

Depending on your plan, you get the medical expenses incurred by the organ donor covered under this add-on. The terms and conditions of this add-on are pre-specified.

Convalescence benefit cover

Convalescence benefit cover

You get a specified amount as per your policy contract if hospitalised for certain consecutive days for illness with this add on.

What is the health insurance eligibility criteria?

What is the health insurance eligibility criteria?

  • The proposer must be over the age of 21 to be eligible for health insurance.

  • The minimum age for a child to be covered by a health policy in the case of a family floater policy is above 3 months.

  • The maximum size allowed under the family floater policy is two adults and two children.

  • If you are above 56 years of age, you need to undergo a medical check-up at our designated centre. Depending upon your health condition and any pre-existing disease, your eligibility for health insurance will be determined.

How to calculate health insurance premiums?

You can calculate your health insurance premium by using our online health insurance premium calculator. Just enter your basic details such as your age, place of residence, and the amount of cover you want. For family coverage, you must provide the number of individuals you wish to insure as well as the oldest member's age—and you’ll get to know the premium amount in a few clicks. Always remember, the policy premiums are influenced by age, city, lifestyles, BMI, occupation type, etc.

What are the factors that affect health insurance premiums?

  • Age is one of the crucial factors that determine your health policy premium. As a general rule, the older you are, the higher your premium will be, and vice versa.

  • If you have any pre-existing medical condition, you may have to pay higher health insurance premiums.

  • Your occupation can significantly impact the cost of your insurance policy. Working in hazardous conditions such as a construction site or a mine increases insurance premiums.

  • If you choose a higher policy duration, the policy premium will be lower.

  • BMI index directly relates to diseases such as diabetes, obesity, heart disease, etc. A person with a high BMI index has to pay a higher premium on their health insurance.

  • If you are a smoker or an alcoholic, the premium charged will be higher when compared to that of a non-smoker or someone who doesn’t consume alcohol.

  • Geographical areas with harsh climatic conditions also result in high health policy premiums.

  • When compared to group health insurance or family floater policies, purchasing a separate policy for each member of your family will result in a higher premium. In addition, health insurance add-ons also raise the cost of your policy's premium.

  • Opting for co-insurance in a health insurance policy also lowers the policy premium.

What is the procedure for health insurance claims?

At ICICI Lombard, the claim settlement process is very simple and convenient.

Below are the steps to make a claim

  • 1

    Contact us on our 24x7 toll-free number 18002666 to intimate the claim.

  • 2

    Keep your documents such as consultation, pharmacy, hospital bills, payment receipts, doctor's prescriptions, etc., handy.

  • 3

    Fill the online claim form and upload the relevant documents.

  • 4

    Post verification, we will settle the claim with our network hospital in case of a cashless claim or transfer the claim amount to your account if you claimed for reimbursement.

Documents required for health insurance claim reimbursement

Documents required for health insurance claim reimbursement

  • Duly filled claim form with your signature and valid identity proof.

  • Doctor's prescription recommending hospitalisation, diagnostic tests and medicines.

  • Original invoice of pharmacy bills, indoor case papers and ambulance receipt.

  • Policy documents stating the name, address, illness and other details of the insured.

  • Any other documents that we may deem fit at the time of claim settlement.

How to renew health insurance online?

Renewing your health insurance with ICICI Lombard is just a click away. To get an instant renewal, all you have to do is:

  • 1

    You can visit our health insurance renewal page to renew policy. page.

  • 2

    Enter your existing policy number or your registered mobile number.

  • 3

    Click on ‘Proceed.’

  • 4

    Follow the instructions for health insurance renewal online.

To renew your health insurance, you can also visit the link sent to your registered mobile number and email id.


Frequently asked questions on health insurance

  • General
  • COVID-19 cover

What do you mean by a pre-existing disease?

Any condition, ailment or injury or related condition(s), for which you have had signs or symptoms, and/or were diagnosed, and/or received medical advice/treatment, within 48 months prior to the first policy with the insurance company is called a pre-existing disease.

What do you mean by waiting period?

The duration after which you can make a claim is called a waiting period. Our waiting periods for ICICI Lombard Health AdvantEdge and Health Booster policy are as below:

  • No waiting period for accidental hospitalisation.
  • 30 days for all claims other than accidental hospitalisation.
  • 2 years for pre-existing diseases. These diseases should be declared at the time of proposal and accepted by us for policy with sum insured of ₹3 lakh and above.
  • 2 years for standard list of diseases and procedures.

What does annual sum insured mean?

Annual (basic) sum insured is the maximum amount that an insurance company will pay you in the event of a claim in a policy year.

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

Yes, a waiting period will apply only to the added sum insured.

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

Numerous employers offer group or individual health plans. However, these are not customised as per your needs and may have certain restrictions and limitations. Also, the coverage is dependent on the continuation of the job. Once you quit, you cannot avail the health plan benefits. Therefore, it is important to insure yourself with a comprehensive cover that lets you customise as per your needs. For example, for a family of 4 members, a sum insured of ₹2 lakh-₹3 lakh provided by your employer may be inadequate.

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

You can include your children aged between 90 days to 20 years in your policy. Newborns can be included after 90 days of birth. However, your daughter or son cannot be shown as a ‘dependent’ if they file a joint tax return.

Which health insurance policy is ideal?

If you have a family, you should choose a family floater health insurance over an individual health plan. It not only protects your entire family but also helps you save a lot on premiums.

What is the advantage of health insurance?

Health insurance plans provide cover for unexpected medical expenses. It covers an array of costs incurred on daycare procedures, hospitalisation, ambulance and domiciliary hospitalisation. Apart from this, you can also get tax benefits on your health insurance policy.

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 its terms and conditions.

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

It is recommended that you obtain a health insurance policy as soon as possible. Purchasing insurance at a young age allows you to earn an additional sum insured for every claim-free year under your policy. And as you get older, you will be able to accumulate higher and better coverage.

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

If you get admitted to a non-network hospital, you have to pay for the medical treatment costs out of your pocket. Post-discharge, you can submit all the relevant documents such as medical bills and ambulance receipts for the reimbursement claim. Post verification, the claim amount will be transferred to your bank account.

Will my existing health insurance policy cover hospitalisation expenses on account of COVID-19?

Yes, hospitalisation expenses on account of COVID-19 will be covered under the policy in accordance with the policy terms and conditions.

How can I intimate my claim after hospitalisation?

You can intimate a claim by calling us on 1800 2666 (toll-free) or using our mobile app, IL Take Care. Scanned copies or photographs of all claim related documents can be uploaded in the app.

Further, the Insured is required to furnish/courier hard copies of all requisite claim documents at his/ her own expense to the below mentioned address:

ICICI Lombard Healthcare,

ICICI Bank Towers,

Plot No. 12, Financial district,

Nanakramguda, Gachibowli,

Hyderabad- 500032

Are any waiting periods applicable to claims under COVID-19?

In case your policy has an outpatient treatment cover, then waiting periods are not applicable. A claim under outpatient treatment cover can be made in accordance with the claims procedure mentioned in the policy wordings.

In case of hospitalisation on account of COVID-19, the hospitalisation expenses incurred will be covered provided the illness is contracted after completion of 15 days in case of a fresh policy. In case of a policy that has been renewed continuously without a break or in case of policies that have been ported in to ICICI Lombard, the 15 day condition will not be applicable.

Will I be allowed to enhance my sum insured?

Sum insured enhancement will be allowed based on medical assessment in accordance with the underwriting guidelines. However, such sum insured enhancement will be done only at the time of renewal.

Are the expenses on medicines and diagnostic tests incurred during medically advised home isolation due to COVID-19 covered?

In case you choose to get treated at home for COVID-19, we will cover the same under the home healthcare facilitated by us through our empaneled service providers.

Will the policy cover expenses due to quarantine?

In case the quarantine is in a hospital on the advice of a medical practitioner, then the medical expenses incurred will be covered in accordance with the policy terms and conditions. However, expenses incurred on account of self-quarantine or quarantine at home will not be covered.

Will the policy cover hospitalisation in a country other than India?

No. The geographical scope of the policy is limited to India.

Will my travel history abroad affect the admissibility of claim under the policy?

So long as the hospitalisation is in India, the travel history will not affect the admissibility of claim under the policy.

Are the consultations with a medical practitioner and diagnostic tests in relation to COVID-19 covered under my health insurance policy?

In case your policy has an outpatient treatment cover, then consultations with a medical practitioner and diagnostic tests as advised by a medical practitioner will be covered up to the sum insured. A claim under outpatient treatment cover can be made in accordance with the claims procedure mentioned in the policy wordings.

Further, in case there is hospitalisation on account of COVID-19 and the same has been paid under the policy, then all expenses related to COVID-19 incurred on account of consultations with a medical practitioner and diagnostic tests as advised by a medical practitioner in the 30 day period prior to date of admission and 60 day period after date of discharge will be covered in accordance with the policy terms and conditions.

Why should I port to ICICI Lombard health insurance?

  • High health claim settlement record
  • Option of Anywhere Cashless hospitalisation

How can I port?

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