ICICI Lombard General Insurance Company Limited is a joint venture between ICICI Bank Limited, the second largest bank in India and Fairfax Financial Holdings, a Canada-based diversified financial firm.
The ICICI Lombard HealthCare Plus is a basic health plan that is designed to give you comprehensive protection. It is available for a tenure of 1 and 2 years with three different plans for each tenure. Also it offers flexible sum insured and deductibles.
For children : 5 years and above
Adults :
Minimum : 5 years
Maximum : 65 years
Maximum Members : 4
Maximum Adults : 2
Maximum Children : 2
Plan 1: Sum Insured – 
5 Lakhs, Deductible – 2 lakhs;
Plan 2: Sum Insured – 8 Lakhs, Deductible – 3 lakhs;
Plan 3: Sum Insured – 10 Lakhs, Deductible – 4 lakhs;
Not Applicable
1 year
For individuals who are 56 years and above
Adults :
Minimum : 5 years
Maximum : 65 years
Maximum Members : 4
Maximum Adults : 2
Maximum Children : 2
Plan 1: Sum Insured – 5 Lakhs, Deductible – 2 lakhs;
Plan 2: Sum Insured – 8 Lakhs, Deductible – 3 lakhs;
Plan 3: Sum Insured – 10 Lakhs, Deductible – 4 lakhs;
Not Applicable
2 year
For individuals who are 56 years and above
Due to scientific advancement, some surgical procedures/treatments do not require you to be hospitalized for a minimum of 24 hours to raise a claim.
Free health check-up for any one insured member upon renewal of policy
For any reason, should you decide not to proceed with the policy, you can return the same and request for a refund within 15 days from the date of receipt of the policy document.
Up to sum insured
No Sub-limit on room rent, hospitalization expenses, and diagnostic expenses
A 30 days cooling off period for all claims except any arising out of accidental injuries.
The policy covers some specific diseases/treatments only after 24 months. Some of them are Cataract, Rheumatism, Sinusitis, Gastric and Duodenal Ulcers.
You can claim for any pre-existing conditions after 4 consecutive renewal of your policy with the company.
If the age of the policyholder or the eldest member on the policy is more than 61 years, you will have to bear the 20% co-payment charges at the time of claim.
If the age of the policyholder or the eldest member on the policy is more than 61 years, you will have to bear the 20% co-payment charges at the time of claim.
The Plan will not cover any liabilities towards the treatments of following conditions-
This ICICI Lombard HealthCare Plus policy is a basic plan that mainly focuses on providing flexible sum insured options for individuals. You can choose either 1 or 2 years tenure depending on your preference. As there is no sub-limit on room rent, hospitalization expenses, and diagnostic fees, you can gain optimum benefit from your sum insured amount.
**Reviews and ratings are based only on Benefits and Conditions. Things like Claim Settlement Ratio, Hospital Network have not been covered under product ratings. These are covered under Company ratings.
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