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ICICI Lombard Health Insurance

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ICICI Lombard Health Insurance
Cashless Approval TAT2 hr Cashless Claim Processing
Claim Settlement Ratio99.70%
Network Hospitals7,500+
Pre-existing Disease Waiting Period2 year
Special BenefitsAnywhere Cashless
Starting Premium for Rs. 5 lakh SIRs. 581/month

ICICI Lombard General Insurance Company was founded in 2001 as a joint venture between Toronto-based Fairfax Financial Holdings Limited, a financial services provider, and ICICI Bank, the second-largest bank in India. This leading private general insurance provider in India offers a wide range of products, including liability, engineering, health, auto, crop, fire, personal injury, and marine insurance. With more than 21 years of history, ICICI Lombard's brand philosophy of "Nibhaaye Vaade" reflects its dedication to customer centricity. To date, the company has paid out over 3.6 million claims and boasts a company size of 12,000+ people. [1]

About ICICI Lombard Health Insurance

ICICI Lombard Health Insurance company offers comprehensive and top-notch healthcare solutions. With an excellent customer base, the insurance provider specialises in providing a range of medical insurance policies that can meet the diverse needs of individuals and families with some of the top ones being Health Booster, Health AdvantEdge, etc. The best part about ICICI Lombard’s health policies is that no medical checkup is required, making the application process convenient and accessible. [2]

Key Features

Listed below are the features of ICICI Lombard medical insurance:

  • Unrestricted Room Rent Coverage: The ICICI Lombard Health AdvantEdge policy offers policyholders the benefit of having no restrictions on hospital room rent. If they choose a private ward, the expenses will be covered.
  • Annual Free Health Check-up: Policyholders get the benefit of free health check-ups each policy year with the ICICI Lombard Health AdvantEdge plan. For family floater policies, two free coupons are provided annually for medical check-ups.
  • No Co-pay Commitment: Under ICICI Lombard Health AdvantEdge, there is no co-payment clause. This reduces the concerns about out-of-pocket payments.
  • Quick Claim Settlement with IL Take Care App: ICICI Lombard allows policyholders to experience a rapid claim settlement process through the IL Take Care app. By sharing policy details and uploading relevant documents, one can get claims settled in approximately 2 hours.
  • Domiciliary Hospitalisation Coverage: The ICICI Lombard Health AdvantEdge policy covers those expenses where medical treatment needs to be conducted at home due to the unavailability of hospital rooms or the patient's inability to be moved. This coverage is part of the Health Booster plan.

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Key Metrics 

Refer to the table below to see the key metrics for ICICI Lombard Health Insurance Limited:

Key Metrics


Claim Settlement Ratio (FY 2019-20)


Solvency Ratio (March 2023)


Lives Covered

2.17 Crore

Launch Year


*The percentage of claims settled by an insurance company relative to the total number of claims received is known as the Claim Settlement Ratio (CSR). Any company with a CSR of 85% or above is considered to be good to buy insurance from.

**The solvency ratio is a financial indicator that measures a company's ability to meet its long-term debt obligations and signifies its financial stability. Any company having a solvency ratio >1.5 is considered to be good to buy insurance from. [3]

*Life covered here refers to the number of people insured and the data is taken from ICICI Lombard’s official website. The number is not specific to health insurance but encompasses all its insurance products.

ICICI Lombard Health Insurance Plan List

  • Individual (1)
  • Family (1)
  • Woman (1)
  • Parents (1)
  • Blood Pressure (1)
  • Kids (1)
  • Thyroid (1)
  • Diabetes (1)
  • Cover

    5 Lakh

    Cashless Hospital


    Starting From 659/month*

Eligibility to Purchase ICICI Lombard Health Insurance Plan

The eligibility for purchasing a health insurance plan from ICICI Lombard is as follows:

1. Age

  • The proposer must be older than 21 to be eligible for ICICI Lombard Health Insurance Plan
  • For a family floater policy, a child must be older than three months to be eligible for health coverage

2. Other conditions specific to ICICI Lombard Health Insurance

  • The family floater policy allows up to two adults and two kids
  • You must have a medical examination at their certified center if you are older than 56

ICICI Lombard Health Insurance Top Up List

  • Family (1)
  • Individual (1)
  • Kids (1)
Name of PlanSum Insured
Health BoosterMin: 3 Months; Max: No Limit5 Lakh Check Premium
Healthcare Plus PolicyMin: 5 years; Max: 65 years3 Lakh - 10 Lakh Check Premium

Top Plan offered by ICICI Lombard Health Insurance

Here are the details of the top plan offered by ICICI Lombard Health Insurance:


Plan Type

Sum Insured

Ideally Suitable For

ICICI Health AdvantEdge

Individual or Family Floater

Rs. 5 Lakhs to 3 Crores


Riders Offered By ICICI Lombard Health Insurance

The riders that one can get along with ICICI Lombard’s base health insurance policy are as follows:

  • Maternity Rider: ICICI Lombard's Maternity Rider is an add-on to your health insurance plan that covers maternity-related expenses. It includes costs associated with both normal deliveries and cesarean sections.
  • New Baby Born Cover: This rider extends coverage to your newborn from day one. It takes care of medical expenses for the baby, including vaccinations and any unforeseen health issues.
  • Critical Illness Rider: This rider provides extra coverage specifically for critical illnesses such as cancer, heart attack, or stroke. It helps policyholders manage the expenses associated with treating severe health conditions.
  • Personal Accident Rider: ICICI Lombard's Personal Accident Rider offers coverage in case of accidental injuries or death. The financial support extended to the insured or his/her family depends on the nature of the accident.
  • Claim Protector: The Claim Protector rider ensures that expenses listed as non-payable items according to IRDAI become eligible for coverage in the event of a claim. [4]

*Please note: Riders can be availed by paying an additional premium for them along with your plan. Riders may vary depending on the plan you choose.

How To Purchase ICICI Lombard Health Insurance Policy?

You have two ways to get ICICI Lombard Health Insurance – either online or with an agent's personal assistance at your home.

Purchase ICICI Lombard Health Insurance Policy via InsuranceDekho

Getting yourself insured with InsuranceDekho is a hassle-free and convenient process.

Steps for Purchasing ICICI Lombard Health Insurance Policy with InsuranceDekho Online:

Step 1: Provide Your Details

Visit InsuranceDekho's health homepage or fill out the form on the top right with your details including name, phone number, etc.

Step 2: Compare Health Plans

Choose the best ICICI medical insurance plan for you and your family based on the details you entered.

Step 3: Pay the Premium

Complete Proposal Form 1, answer two health questions in Proposal Form 2, submit your KYC, and pay the premium for the chosen ICICI Lombard health insurance plan.

Step 4: Post Payment Contact

After payment, an InsuranceDekho manager will reach out for policy issuance assistance.

Purchase ICICI Lombard Health Insurance Policy from InsuranceDekho with Complete Assistance

Step 1: Enter Your Details

Open and enter your basic details like mobile number, age, and pin code.

Step 2: Compare Health Plans

Based on your details, eligible ICICI Lombard plans will be shown on the plan page.

Step 3: Schedule a Callback

Schedule a callback by updating the inquiry on the plan page.

Step 4: Connect with an InsuranceDekho Advisor

An advisor will call you at your preferred time and assist you via call. If needed, an expert can come to your home for free assistance in filling out the form or addressing any other queries.

Purchase ICICI Lombard Health Insurance Policy via the Insurer’s Website

Here’s how you can purchase health insurance via ICICI Lombard Health Insurance’s website:

Step 1: Visit the ICICI Lombard Health Insurance Website

Open your web browser and visit the health insurance section of the ICICI Lombard website.

Step 2: Fill in the Required Details

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

Step 3: Choose a Plan

Choose the most suitable plan and customise your policy by choosing the desired sum insured, policy terms, and other information

Step 4: Make Premium Payment Online

After choosing a plan, make an online payment using their secure payment gateway.

Benefits of Purchasing Your Policy from InsuranceDekho

  • You will get dual claim support from InsuranceDekho, which will guarantee a seamless claim settlement procedure
  • We assist you in obtaining insurance approvals on a priority basis
  • Whether you're renewing or making modifications to an existing policy, InsuranceDekho will help you
  • Our recommendations for health insurance policies are unbiased because we thoroughly examine the entire industry and then recommend the plans to you

Documents Required for Purchasing Your Policy

The following documents are necessary for buying the ICICI Lombard Health Insurance plan:

  • Copy of the Proposal Form and OTP Verification
  • Proof of age (10th or 12th Mark Sheet, Voter’s ID, Passport, PAN Card, Driving Licence)
  • Address Proof (Aadhaar Card, Passport, Driving Licence, Electricity Bill, Telephone Bill, Voter ID).
  • Medical Reports
  • Passport-size Photographs

How to Claim Your Health Insurance?

The Cashless Everywhere feature of ICICI Lombard lets you get cashless treatments at any hospital, even outside the network, with certain terms and conditions. For non-network hospitals, it's important to inform ICICI Lombard 48 hours in advance for planned treatments and within 48 hours in case of emergencies. Please note that obtaining approval for cashless treatment at non-network hospitals is subject to the terms and conditions mentioned in your ICICI Lombard health insurance policy and agreements with the hospital.

ICICI Lombard will not reimburse claims for treatments received at delisted or excluded hospitals. Check the complete list of blacklisted hospitals on their website. [5]

Awards and Achievements of ICICI Lombard Health Insurance

  • Dun & Bradstreet BFSI Fintech Awards in Best Insurance Company in Non-Life Insurance sector category - 2023
  • Golden Peacock National Training Awards - 2023
  • e4m Impact Influencer Awards ‘BeFit Campaign’ in the Best Influencer category - 2023
  • Finnoviti Awards 2022 for Face Scan feature of IL TakeCare App
  • CSR Journal Excellence Awards - 'Caring Hands' - 2022
  • National Feather Awards - 2022 [6]

ICICI Lombard Health Insurance - Customer Service & Support

To connect with ICICI Lombard Health Care’s customer service and support team [7] you can:

  • Call on toll free at 1800 2666
  • Email them at
  • The IL TakeCare app allows users to conveniently manage their policies on the go
  • Connect with RIA, a responsive and intelligent assistant, for quick support through the IL TakeCare app
  • For continued communication and support, reach out to ICICI Lombard on WhatsApp by saying 'Hi' at 7738282666

You can also connect with InsuranceDekho's Customer Support Team by sending an email to or by calling +91-755 1196 989.

Complaints & Grievance Redressal

  • ICICI Lombard has a structured Grievance Redressal Process to address your concerns. Feel free to reach out to them through the following channels:
    1. Call them at 1800 2666
    2. Write them at: Customer Support, ICICI Lombard General Insurance Co. Ltd., Ground floor- Interface 11, Sixth floor- Interface 16, Office no 601 & 602, New linking Road, Malad (West), Mumbai – 400064
    3. For service requests, email them at
  • If the resolution you received doesn't meet your expectations, email Mr. Sandeep D, Associate Vice President - Customer Support at 022-68170391
  • If you are still not satisfied with the resolution provided, email Ms. Pooja R, Vice President – Customer Support and Grievance Redressal Officer [8]

If you have any worries or issues, you may also get in touch with Mr. Rohit Khurana, the designated Grievance Redressal Officer at InsuranceDekho, via If your concern persists, you can elevate it to the Principal Officer by contacting Further information is available on our Grievance Redressal page.



Health Insurance News


  • Why should I buy ICICI Lombard health insurance policy?

    ICICI Lombard Health Insurance is a smart choice to secure yourself and your loved ones against medical contingencies. The plans offered provide comprehensive health coverage along with outpatient department (OPD) benefits, maternity cover and a host of wellness benefits. Also, there are various value added services that enable you to enhance the sum assured, in case of claim-free years.

  • How do I cancel ICICI Lombard policy?

    You can easily cancel your policy during free-look period, just fill up the form and visit any of the ICICI Lombard branches. Once request is processed, refund of premium amount will be provided after applicable deductions(in any) within 15 days.

  • What is the toll free number of ICICI Lombard General Insurance?

    ICICI Lombard’s toll free number is 1800-2666.

  • What do you mean by floater option in ICICI Lombard health insurance plan?

    In a floater option, a single policy under one sum insured covers all the family. It can cover, 2 adults, 2 adults, and 1 child; 1 adult and 2 children; 2 adults and 3 children; 1 adult and 1 child. The sum insured can be used by anyone or all covered under the policy until the time the limit is exhausted.

  • Can I insure more than 2 adults or more than 3 children in my ICICI Lombard health insurance plan?

    There can be a maximum of 2 adults and 3 children in a policy. If the number of adults or number of children is more than 2+3, you need to buy a separate policy for the additional members.

User Reviews

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  • Selecting health insurance mad...

    Choosing health insurance has never been easier thanks to InsuranceDekho! I had no issue exploring their website and locating the “ICICI Lombard Personal Protect Plan” that I wanted to buy. They also have a really friendly customer service team that answered all of my questions.

    ICICI Lombard
    By Kiran Joshi
    On: May 28, 2024
  • Claim settlement process made ...

    Smooth process overall. ICICI Lomabrd's claims were settled without much delay. Wish the premium was a tad lower, but still satisfied. InsuranceDekho has been a huge help throughout the process. Wonderful customer care team.

    ICICI Lombard
    By Khushi Sharma
    On: May 23, 2024
  • Affordable Financial Protectio...

    I bought the ICICI Lombard Health Insurance Plan from their online platform. The insurance experts of the InsuranceDekho company explained all the policies available in detail. It was very easy for me to compare the health insurance plans and choose the best for myself. My heartful thanks to the InsuranceDekho company for helping me in buying the best health insurance plan.

    ICICI Lombard
    By Rohit Kumar
    On: Mar 12, 2024
  • Excellent team support

    The team of InsuranceDekho provided me with the necessary information when I was buying the ICICI Health AdvantEdge plan with them. They helped me understand all about the plan in a better way

    ICICI Lombard
    By Naksh Taneja
    On: Mar 01, 2024
  • The plan has amazing features

    The ICICI Lombard Health Insurance Plan available on InsuranceDekho has amazing features to offer. On InsuranceDekho’s website, I was able to check all the details about the ICICI Lombard Health Insurance plan on InsuranceDekho and understand its benefits. Thank you! InsuranceDekho for this amazing health insurance.

    ICICI Lombard
    By Harsh Garg
    On: Mar 01, 2024