ICICI Lombard Health Insurance 2026 – Plans, Premiums & Cashless Hospitals

• Activate Booster 

• Activate Booster (Combo*) 

• MaxProtect 

• Health AdvantEdge 

ICICI Lombard Health Insurance  

• Offers health insurance plans for individuals, families, and senior citizens  

• Includes cashless hospitalisation, add-ons, and flexible sum insured options  

• Policies differ by product (no single uniform benefits across all plans)  

Network Hospitals  

• 6500+ hospitals (approx.)  

• Cashless treatment available at network hospitals  

Pre-existing Disease (PED) Waiting Period  

• Varies by plan (typically 2–3 years depending on product)  

• Some plans may offer reduced waiting periods with add-ons  

Renewability  

• Lifetime renewability available under eligible retail health insurance plans  

ICICI Health Insurance Coverage Details

• Hospitalisation cover  
• Post & pre hospitalisation costs  
• Day care treatments cover  
• AYUSH treatments at approved hospitals  
• Reset benefit  
• Additional sum insured  
• Emergency ambulance cover  
• Free health check-up  
• Wellness programme 

ICICI Health Insurance Add-on Covers & Riders

• Hospital daily cash
• Maternity benefit
• Convalescence benefit
• Nursing at home
• Newborn baby coverage
• Outpatient treatment cover
• Air travel allowance for family member as part of compassionate visit
• Wellness and preventive health checkups
• Donor expenses
• Critical illness cover 
• Medical evacuation coverage
• Personal Accident Cover

ICICI Health Insurance Plans Details

ICICI Lombard offers a range of health insurance products designed to meet different healthcare needs, from basic hospitalisation cover to comprehensive protection and high-value super top-up plans. Each product varies in coverage scope, eligibility, and benefits depending on the chosen variant. 

1. Complete Health Insurance (Comprehensive Health Plan) 

This is a comprehensive health insurance plan designed for individuals and families, offering extensive hospitalisation coverage along with optional enhancements for broader protection. 

Key Features 

• Covers in-patient hospitalisation expenses such as room rent, ICU charges, doctor consultations, and surgical procedures  

• Pre and post-hospitalisation expenses covered as per policy terms (typically 30–60 days pre and 60–180 days post hospitalisation)  

• Coverage for day care treatments that do not require 24-hour hospitalisation  

• Ambulance charges included up to specified policy limits  

• AYUSH treatments covered when taken at recognised healthcare facilities  

• Optional add-ons may include critical illness cover, maternity cover (available in select variants), and restoration or reset of sum insured  

Eligibility  

• Adult entry age typically begins from 18 years, though conditions may vary by plan variant  

• Children can be covered under floater policies, with eligibility depending on plan rules  

• No fixed universal maximum entry age; acceptance is subject to underwriting guidelines 

Sum Insured 

• Generally ranges from Rs. 3 lakh to Rs. 50 lakh or higher, depending on the chosen plan variant  

• Some versions include restoration benefits that reinstate the sum insured after claim utilisation  

Bonus Benefit 

• Cumulative bonus or super bonus may be offered for every claim-free year  

• Bonus structure varies across product variants and is not a fixed percentage across all plans  

2. Health Booster (Super Top-Up Plan) 

Health Booster is a super top-up insurance plan designed to provide additional coverage once a defined deductible limit has been exhausted, making it a cost-effective way to enhance health protection. 

Key Features 

• Covers hospitalisation expenses exceeding the selected deductible amount (e.g., Rs. 3 lakh, Rs. 4 lakh, Rs. 5 lakh, etc.)  

• Designed to reduce financial burden from high-value medical expenses  

• Provides individual coverage for each insured member under a floater structure  

• Offers higher sum insured protection at relatively lower premiums compared to base health plans  

Eligibility 

• Available for adults and dependents under floater coverage options  

• Entry age and underwriting conditions vary based on sum insured and policy configuration  

Sum Insured 

• Typically ranges from Rs. 5 lakh to Rs. 50 lakh or higher depending on selected plan structure  

3. Personal Protect (Personal Accident Insurance) 

Personal Protect is a standalone personal accident insurance policy that provides financial protection in case of accidental death or disability. 

Key Features 

• Covers Accidental Death  

• Covers Permanent Total Disability (PTD)  

• Optional benefits may include accidental hospitalisation expenses, temporary total disability benefits, and hospital daily cash allowance  

• Some variants offer worldwide coverage  

• Simplified underwriting process; medical examinations are generally not required for basic cover levels  

Eligibility 

• Typically available for individuals aged 18 to 65 years, depending on plan variant  

• Family members such as spouse, children, or parents may be included depending on policy structure  

Sum Insured 

• Coverage options generally range from Rs. 3 lakh to Rs. 25 lakh or higher, depending on selected plan  

4. Arogya Sanjeevani Policy (Standardised Health Insurance) 

Arogya Sanjeevani Policy is a standardised health insurance product mandated by IRDAI and offered uniformly by all insurers, including ICICI Lombard. 

Key Features 

• Covers in-patient hospitalisation expenses for essential medical care  

• Pre and post-hospitalisation expenses covered as per policy guidelines  

• Day care procedures included  

• Room rent and ICU charges covered within defined limits  

• Cataract treatment covered subject to policy terms  

• In-patient dental treatment covered only in case of accident  

• Plastic surgery covered when medically necessary due to illness or accident  

• AYUSH treatment covered in approved medical systems  

Eligibility 

• Adults typically eligible from 18 years onwards  

• Dependent children covered under floater policies as per IRDAI guidelines  

Policy Structure 

• Available on both individual and floater basis  

• Standardised terms and conditions across all insurers to ensure uniformity 

Value-Added Benefits Under ICICI Lombard Health Insurance Plans

•  Free Health Check-up – Includes medical examination, blood sugar (fasting & post-prandial), urine routine, blood grouping & Rh, CBC, ECG, Hb%, and total cholesterol.

• Online Doctor Chat – Consult an ICICI Lombard-appointed doctor online.

• Dietician & Nutritionist Consultation – Helps customers maintain a fit and healthy lifestyle.

• Specialist Consultation – Includes one follow-up session.

• ICICI Lombard Health Care Platform – An in-house wellness and claim processing platform offering multiple wellness initiatives and seamless claim services.

• Health Advisor – An online platform for customers to share experiences and reviews about medical facilities.

ICICI Lombard Health Insurance Customer Care

ICICI Prudential Life Insurance Company Ltd. is one of India's leading insurance providers, established in 2001 through a partnership between Prudential Corporation Holdings Limited and ICICI Bank Ltd. Over the years, it has grown into a trusted name, known for its diverse product offerings and quality service in the Indian insurance space, including a range of health insurance policies tailored to varied customer needs.

For support, customers can reach the dedicated 24/7 team via:

• 📞 Phone: 1800-103-2292 (Toll-Free)
• 📧 Email: customersupport@icicilombard.com

How to File a Health Insurance Claim with ICICI Lombard?

There are 2 types of claims a policyholder can make with ICICI Lombard Health Insurance: 

1. Cashless Claim: Visit a network hospital and present your health card. The hospital submits a pre-authorisation request to ICICI Lombard, which is then approved or rejected after verification. If approved, treatment proceeds cashlessly and bills are settled directly with the hospital. If rejected, pay out-of-pocket and file a reimbursement claim post-discharge.

2. Reimbursement Claim: At discharge, collect all original medical documents and submit them with a filled claim form to the insurer. The claim is settled within 15 days of receiving all relevant documents, subject to policy terms and conditions.

ICICI Health Insurance Plans Details  

1. Complete Health Insurance (Comprehensive Health Plan) 

This is a comprehensive health insurance plan designed for individuals and families, offering extensive hospitalisation coverage along with optional enhancements for broader protection. 

Key Features 

• Covers in-patient hospitalisation expenses such as room rent, ICU charges, doctor consultations, and surgical procedures  

• Pre and post-hospitalisation expenses covered as per policy terms (typically 30–60 days pre and 60–180 days post hospitalisation)  

• Coverage for day care treatments that do not require 24-hour hospitalisation  

• Ambulance charges included up to specified policy limits  

• AYUSH treatments covered when taken at recognised healthcare facilities  

• Optional add-ons may include critical illness cover, maternity cover (available in select variants), and restoration or reset of sum insured  

Eligibility  

• Adult entry age typically begins from 18 years, though conditions may vary by plan variant  

• Children can be covered under floater policies, with eligibility depending on plan rules  

• No fixed universal maximum entry age; acceptance is subject to underwriting guidelines 

Sum Insured 

• Generally ranges from Rs. 3 lakh to Rs. 50 lakh or higher, depending on the chosen plan variant  

• Some versions include restoration benefits that reinstate the sum insured after claim utilisation  

Bonus Benefit 

• Cumulative bonus or super bonus may be offered for every claim-free year  

• Bonus structure varies across product variants and is not a fixed percentage across all plans  

2. Health Booster (Super Top-Up Plan) 

Health Booster is a super top-up insurance plan designed to provide additional coverage once a defined deductible limit has been exhausted, making it a cost-effective way to enhance health protection. 

Key Features 

• Covers hospitalisation expenses exceeding the selected deductible amount (e.g., Rs. 3 lakh, Rs. 4 lakh, Rs. 5 lakh, etc.)  

• Designed to reduce financial burden from high-value medical expenses  

• Provides individual coverage for each insured member under a floater structure  

• Offers higher sum insured protection at relatively lower premiums compared to base health plans  

Eligibility 

• Available for adults and dependents under floater coverage options  

• Entry age and underwriting conditions vary based on sum insured and policy configuration  

Sum Insured 

• Typically ranges from Rs. 5 lakh to Rs. 50 lakh or higher depending on selected plan structure  

3. Personal Protect (Personal Accident Insurance) 

Personal Protect is a standalone personal accident insurance policy that provides financial protection in case of accidental death or disability. 

Key Features 

• Covers Accidental Death  

• Covers Permanent Total Disability (PTD)  

• Optional benefits may include accidental hospitalisation expenses, temporary total disability benefits, and hospital daily cash allowance  

• Some variants offer worldwide coverage  

• Simplified underwriting process; medical examinations are generally not required for basic cover levels  

Eligibility 

• Typically available for individuals aged 18 to 65 years, depending on plan variant  

• Family members such as spouse, children, or parents may be included depending on policy structure  

Sum Insured 

• Coverage options generally range from Rs. 3 lakh to Rs. 25 lakh or higher, depending on selected plan  

4. Arogya Sanjeevani Policy (Standardised Health Insurance) 

Arogya Sanjeevani Policy is a standardised health insurance product mandated by IRDAI and offered uniformly by all insurers, including ICICI Lombard. 

Key Features 

• Covers in-patient hospitalisation expenses for essential medical care  

• Pre and post-hospitalisation expenses covered as per policy guidelines  

• Day care procedures included  

• Room rent and ICU charges covered within defined limits  

• Cataract treatment covered subject to policy terms  

• In-patient dental treatment covered only in case of accident  

• Plastic surgery covered when medically necessary due to illness or accident  

• AYUSH treatment covered in approved medical systems  

Eligibility 

• Adults typically eligible from 18 years onwards  

• Dependent children covered under floater policies as per IRDAI guidelines  

Policy Structure 

• Available on both individual and floater basis  

• Standardised terms and conditions across all insurers to ensure uniformity