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Health Insurance Claims

ICICI Lombard Complete Health Insurance is a comprehensive plan designed to protect you and your family against expenses incurred in case of hospitalization. This health insurance policy can be customized to suit your requirements and budget.

Key Benefits


Comprehensive coverage for you and your family


Flexibility to choose from a wide range of options on premium, plan and Sum Insured ranging from Rs.2 Lac to Rs.10 Lacs


Guaranteed lifelong renewability


No restriction on Maximum entry age


Option to choose sub-limit and modify premium*


Option of choosing 1 or 2 year policy period as per plans offered


Discount of 10% on a 2 year policy


Pre- Existing illness covered after two / four years depending on the plan chosen


Choice of add-on covers available along with Hospitalisation cover like Critical Illness, Donor Expenses, Hospital Daily Cash and Convalescence Benefit


Cashless claims facility at over 4000+ network hospitals across India(Simply use your Health ID Card at any of our 4,000+ Network Hospitals and avail Cashless service, a boon for those times when you need finance the most.)


Continue to enjoy quality service even during claim settlements with our own in-house health claim processing and wellness team


No co-payments for any disease or any hospitalization expenses (Co-payment means a certain percentage of every claim amount, which has to be borne by the insured person. For example, a health policy may have co-pay of 20 % on hospitalization expenses taken in a non-network hospital, which means if the insured claims for Rs. 1,00,000 for any treatment availed in a non-network hospital then he will have to bear 20 % of such claim amount out of his own pocket.)


Bouquet of value added services like free health check up coupon, online chat with doctor, diet & nutrition e-consultation, specialist e-consultation, discount vouchers and many more


No health check-up up to the age of 45 years (age as on last birthday)


Avail tax benefits under Section 80D of the Indian Income Tax Act 1961**


Options for one or two year covers (auto renewal) available


Get additional Sum Insured for every claim free year


Keep your family secured even against expenses for hospitalisation due to tnot-errorist activities


Keep your family secured even against expenses for hospitalisation due to tnot-errorist activities


* Except Cataract where Rs 10,000, 15000, 20,000 per eye is applicable as per sublimit plan opted.
** Tax benefits are subject to tax laws


Policy Coverage


  • Medical expenses incurred as an inpatient during hospitalisation for more than 24 hours, including room charges / ICU charges, doctor/ surgeon's fee, medicines bills, etc

  • Medical expenses incurred, immediately, 30 days prior and 60 days post hospitalization

  • Day Care expenses incurred on named advanced technological surgeries and procedures requiring less than 24 hours of hospitalisation. (Including Dialysis, Radiotherapy and Chemotherapy)

  • Day Care expenses incurred on named advanced technological surgeries and procedures requiring less than 24 hours of hospitalisation. (Including Dialysis, Radiotherapy and Chemotherapy)

The minimum entry age starts from 6 years under individual policy and 3 months under a floater policy. 


* Conditions Apply

For details, kindly refer to Policy Wordings.

Policy Exclusions

What is not covered


Exclusions valid for the first 30 Days

Any illness contracted within 30 days of the inception date of the Policy, except those that are incurred as a result of an accident. This clause is not applicable on the subsequent renewals


Exclusions valid for the first 2 Years

Treatment of the following diseases/illness/ailments:

  • Cataract*
  • Benign Prostatic Hypertrophy
  • Myomectomy, Hysterectomy unless because of malignancy
  • Hernia, Hydrocele
  • Fissures & / or Fistula in Anus, hemorrhoids/Piles
  • Arthritis, Gout, Rheumatism and spinal disorders
  • Joint replacement, unless due to accident
  • Sinusitis and related disorders
  • Stone in the urinary and biliary systems
  • Dilatation & Curettage, Endometriosis
  • All types of Skin and all internal tumors / cysts / nodules / polyps of any kind, including breast lumps, unless malignant
  • Dialysis required for chronic renal failure
  • Surgery on tonsils, adenoids and sinuses
  • Gastric and duodenal erosions & ulcers
  • Deviated Nasal Septum
  • Varicose Veins/Varicose Ulcers

If the Policy is renewed with us for two consecutive years, the above diseases / illness / ailments will be covered from the third year. If these are pre-existing diseases at the time of inception of the policy, the same will be covered after the two years** onwards, subject to continuous renewal of the policy with us.
*Any claim for Cataract treatment shall not exceed Rs 20,000 per eye, during each Policy Year after 2 years from the Policy start date
**4 years for Sum Insured 2 lacs


Permanent exclusions

  • Any illness/ disease/ injury/ pre-existing disease before the inception of the policy. However, this exclusion ceases to apply if the policy is renewed with the Company for 2 consecutive years for sum insured of Rs. 3 Lac, Rs. 4 Lac, Rs. 5 Lac, Rs. 7 Lac, Rs. 10 Lac and for 4 consecutive years for sum insured of Rs. 2 lacss
  • Non-allopathic treatment, pregnancy and childbirth related complications, cosmetic, aesthetic and obesity related treatment
  • Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs as well as intentional self injury
  • War, civil war or breach of law
  • Naturopathy treatment, acupressure, acupuncture, magnetic and other such therapies
  • Treatment taken outside the country
  • Any expenses arising out of Domiciliary Treatment

For details, kindly refer to Policy Wordings.



  • The customer can buy the policy for any family member(s) children and / or parents

  • The insured should be above 3 months in case of floater and 6 years in case of individual. To cover children aged between 3 months to 5 years, the policy must also cover at least 1 adult

  • The Proposer needs to be aged above 18 years

  • Individual(s) proposed for Insurance whose age is 46 years & above have to undergo medical tests at designated diagnostic centers

  • The policy offers guaranteed lifetime renewability.

  • Income Tax benefits u/s 80D can only be availed for policies bought for Self, Spouse, Parents and Dependent children.

For details, kindly refer to Policy Wordings.


"The webpage contains only an indication of the cover offered. For complete details on coverage, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. Insurance is the subject matter of solicitation. "ICICI Bank Limited ("Bank") with registered office at Landmark,Race Course Circle, Vadodra 390 007 is licensed as a IRDA Corporate Agency Registration No. CA0112 of ICICI Lombard General Insurance Company Limited having its registered office at ICICI Bank Towers,Bandra-Kurla Complex,Mumbai 400051. The contract of insurance is with ICICI Lombard General Insurance Company Limited who are liable for all valid claims on the policy. Bank's customers participation in the policy is entirely voluntary."
"IRDA Corporate Agency Registration No. CA0112."