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ICICI Lombard Complete Health Insurance- iHealth Plan

Entry Age (years)  
Minimum 18; 6 in case of individual policy and 3 months in case of floater plan
Maximum No limit
Maximum Policy Renewal Age (years) No Limit
Coverage Type Individual/ family floater
Sum Insured (Rs)  
Maximum 10 lakh
Minimum 3 lakh for individual; 2 lakh for family floater
Policy Term (years) 1 or 2
Tax Benefit Premium paid is eligible for tax benefit under section 80D of the Income Tax Act
Discount Available if opted for Voluntary Deductible
Discount on premium if opted for sub-limits
No Claim Bonus 10% of sum insured for each claim free year, upto maximum of 50%. In case of claim, the sum would be reduced by 20% on next renewal
Pre Policy Medical Check Up Not required below 46 years of age
Free look Period 15 days
Grace Period for Policy Renewal 15 days
Policy Termination Either of the insurer or policyholder are allowed to terminate by giving a 15 days notice period. Insurance company shall refund a pre fixed percentage of premium.
Customer Service  
Address ICICI Lombard General Insurance Company Limited
ICICI Bank Towers
Bandra Kurla Complex
Mumbai 400 051 or ICICI Lombard General Insurance Company Limited
ICICI Lombard House
414, Veer Savarkar Marg,
Near Siddhi Vinayak Temple,
Prabhadevi, Mumbai 400025
Mail to [email protected]
Call to 1800-2666
Network Hospitals Https://
Scope Of Cover
Cashless facilityAvailable at empanelled hospitals in India
Re-imbursement facilityavailable if treatment taken in non-empanelled hospital
Pre-post hospitalisationRelevant medical expenses covered from 30 days prior and 60 days post hospitalisation
In-patient TreatmentCovered
Day-Care Procedurescovered
Emergency Ambulancereimbursement of expense upto Rs 1500 per hospitalisation
Value Added Services
Health Check-upavailable free of cost at every policy year subject to maximum 2 coupons per year for floater policies
Online chat with doctorsavailable
Discount on wellness servicesdiscount vouchers on certain services from specific outlets
Optional Add-Ons (require payment of extra premium)
Option I
Hospital Daily Cash paid once during the policy period for each completed day of hospitalisation subject to maximum of 10 consecutive days with 3 days deductible. It pays Rs 500 per day for sum insured of Rs 1 lakh/ 2 lakh; Rs 1000 per day for sum assured of Rs 3/4/5 lakh; Rs 2000 per day for sum assured of Rs 7/10 lakh
Convalescence BenefitRs 10000 payable once during policy period in case of hospitalisation for a period of 10 or more consecutive days
Option II
Critical Illness(for sum insured Rs 3/4/5 lakh)It will cover illnesses like Cancer, Coronary Artery By-pass Graft Surgery, Myocardial Infarction (Heart Attack), End Stage Renal Failure (Kidney Failure), Major Organ Transplant, Stroke, Paralysis, Heart Valve Replacement Surgery and End Stage Liver Failure
Donor expensesreimbursement of upto Rs 50000
Exclusions and Waiting Period
Pre-existing diseasecovered after 2 years or 4 years(forRs 1 / 2 lakh sum insured) of continuous coverage
No claim periodAny disease contracted during the first 30 days of commencement of the policy
Waiting Period24 months for treatment of specific illnesses like Cataract, hernia, arthritis, sinusitos etc.
General ExclusionsNon-allopathic treatmenttreatment of AIDS or related condition