Best Health Insurance Plans
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| Plan Name | Key Benefits |
|---|---|
| ICICI Lombard Elevate Health Insurance | Flexible sum insured, add-on covers, reward points for healthy habits, maternity cover, donor expenses, and personal accident cover. |
| ICICI MaxProtect Plan | Sum insured up to ₹1 crore, worldwide coverage, unlimited sum insured reset benefits. |
| ICICI Activate Booster Combo Health Insurance Plan | Combination of Elevate & Activate Booster, flexible coverage, enhanced sum insured, and family protection. |
| Activate Booster | Boosts existing health insurance sum insured, flexible covers, is cost-effective, and covers gaps in the basic plan. |
| ICICI Health AdvantEdge | Wellness & preventive care, pre-existing disease coverage, 20 critical illness cover, loyalty bonus, health rewards. |
| Arogya Sanjeevani Policy | Affordable basic coverage, family coverage, pre/post-hospitalization, daycare procedures, and emergency ambulance. |
Health Insurance Plans By ICICI Lombard
Riders Available with ICICI Lombard Health Insurance Plans
ICICI Lombard offers optional add-ons that provide extra benefits on top of your base health insurance policy. These add-ons come with an additional premium but can be very useful.Critical Illness Cover Provides a lump sum payout if you are diagnosed with a critical illness listed in the policy.Hospital Cash Cover Offers a fixed daily allowance for each day you are hospitalised.Donor Expense Cover Covers the medical expenses of an organ donor when you are the recipient.Room Rent Waiver Cover Removes limits on room rent charges during hospitalisation.Convalescence Benefit Cover Provides a daily allowance to help with recovery after hospital discharge.OPD Cover Covers outpatient expenses such as doctor consultations, diagnostic tests, and medicines.Note: Not all riders are available with every plan, so availability depends on the chosen ICICI Lombard health insurance policy. Refer to the policy document to know the exact information.
Inclusion and Exclusion
Every health insurance plan has some covered and uncovered health issues. It is best to check the specific policy brochure to understand the details. Here are some common inclusions and exclusions to keep in mind:
What it Covers
Hospitalization
Treatment in a hospital due to illness or accident.
Day Care Procedures
Treatments that need less than 24 hours in the hospital.
Pre & Post-Hospitalization
Medical expenses before and after hospital stays.
Ambulance
Cost of transportation to a hospital.
Modern Treatments
Coverage for advanced medical procedures.
AYUSH Treatments
In-patient care under Ayurveda, Yoga, Unani, Siddha, and Homeopathy.
What Does it not Cover
Pre-existing Diseases
Conditions you already had before buying the policy may have a waiting period.
Cosmetic Surgery
Treatments done only for appearance are not covered.
Self-Inflicted Injuries
Injuries from intentional self-harm or illegal acts are excluded.
Hazardous Sports
Injuries from risky or adventure sports are usually not covered.
Experimental Treatments
Unproven or experimental medical procedures are excluded.
Substance Abuse
Illnesses caused by alcohol or drugs are not covered.
Dental/Eye Treatments
Non-accident-related dental or certain eye treatments may not be covered.
Maternity & Pregnancy
Expenses for pregnancy termination, miscarriage, or complications are often excluded.