ICICI Lombard Complete Health Insurance Care
Just imagine that you can enter a hospital, not being afraid. Living with the confidence that, regardless of the kind of medical emergency that will come your way, your insurance is ready to cover your back. This is what ICICI Lombard Complete Health Insurance Care offers.
In a society where one medical procedure costs as much as a automobile, and lifelong illnesses consume years’ worth of retirement assets, it does not only make good financial sense to have health insurance–it is survival. This plan of ICICI Lombard is not another policy but a balanced, considered package to suit the varying health care requirements of Indian individuals and families in the year 2025 and beyond.
What is ICICI Lombard Complete Health Insurance Care?
It is a thorough health insurance plan provided by ICICI Lombard that covers an extended variety of medical expenditures, including in-patient hospitalization, and post-discharge expenses, daycare treatments, wellness services, and even air ambulances. The plan does offer several optional add-ons, options regarding sum insured, and features that make it a serious contender for any person looking to get all-round protection in 2025.
Features and Benefits of ICICI Lombard Complete Health Insurance Care
- Sum insured can be chosen between 2 lakh 50 lakh
- Includes more than 160 daycare procedures
- No capping of the room rent even in the private hospitals
- Pre-hospitalization costs and costs after hospitalization included 60 and 90 days
- Cumulative bonus of 20 percent per claim-free year that is guaranteed to a maximum of 100 percent
- An unlimited reset on various sicknesses in a policy year
- Visit to tele-consultation, doctor on call services and medical coordination services
- Alternative therapies cover under AYUSH treatment
- Domiciliary treatment support and home-care Treatment
- Check to add critical illness, maternity, personal accident and donor cover
- Treatment without cash, a good variety of hospitals in the network
- Add ons like non-claim bonus that gives you extra cover up to two hundred percent
- Air ambulance and compassionate visit cover at higher sum insured option
- Section 80D tax advantages of the Income Tax Act
Coverage Summary
| Sum Insured (₹) | Approx. Premium (Age 30) | Waiting Period | Major Benefits |
|---|---|---|---|
| 2,00,000 | 5,100 | 24 months | Basic hospitalization, daycare, ambulance |
| 5,00,000 | 6,800 | 24 months | Health checkups, no room rent cap, wellness |
| 10,00,000 | 9,400 | 24 months | AYUSH, global cover (with copay), reset |
| 15,00,000 | 11,200 | 24 months | Critical illness rider, donor expenses |
| 25,00,000 | 13,700 | 24 months | Home care, maternity add-on, compassionate visit |
| 50,00,000 | 18,300 | 24 months | Air ambulance, newborn cover, NCB boosters |
Premiums may vary based on location, age, and optional riders.
Benefits of Wellness and Preventive Care
- The plan offers incentive to healthy behaviour. Wellness points will enable you to make money by simply living a healthy lifestyle such as yoga, walking, tobacco quitting, and preventive screening. These can be spent off on medicine, lab tests, dental services and gym membership itself.
- All this also comes with free annual check-ups even without you making a claim.
Cumulative and Reset Benefits Bonus
ICICI Lombard provides you with two - most important means of increasing your cover:
- They have a cumulative yearly non-claimable bonus of up to 20 percent which becomes 100 percent per year
- Unlimited reset advantage which replenishes your limit sum under unrelated illnesses in case your usual sum is depleted
- The combination provides ease in controlling consecutive hospitalization within the same year.
Home-care and Domiciliary Hospitalization
Suppose your condition necessitates you to be hospitalized at home through the recommendation of a doctor; or when there are no available beds in the hospital: you are covered. It comprises of professional nursing expenses, drugs and equipment costs. There is also provision of home nursing on post-discharge at a certain limit.
Emergency and Global Hospitalization
To the individuals having a sum insured of 10 lakh and above, the plan offers global coverage on hospitalization, at a copay rate of 10 percent. There is also:
- State local road ambulance
- Air ambulance at option
- Caring visitation coverage in case of family members at home under the condition that you found yourself in hospital more than five days and located away from home
Inclusions
- Minimum 24hours hospitalization (in-patient)
- Pre-hospitalization (60 days), and post-hospitalization (90 days)
- Daycare processes
- AYUSH hospitalization
- Expenses of organ donor
- Emergency ambulance
- Teleconsultation
- Unlimited discharge of sum insured
- Preventative health examination
- No-claim bonus and cumulative bonus
- Home-care and Domiciliary Treatment
- Critical illness, maternity, and personal accident (optional)
- Hospitalization around the world with increased sum insured
Exclusions
The plan is comprehensive, but it does not include some conditions:
- Pre-existing diseases within the first 2 years
- Particular diseases like cataract or hernia during the first wait period
- Cosmetic surgery except where required medically as the result of an accident
- Suicide/Drugs/Alcohol treatment
- HIV/AIDS or similar conditions
- Fertility Science and pregnancy without maternity rider
- Dental and vision unless defined
- Adventure sports injury, war or involvement in crime
To have the complete list, read the policy wordings.
How to Cancel the Policy
- In case you decide to call off the plan by whichever reason, these are your options:
- Within 15 days: For several reasons: refund of certain amount
- Within 15 days: You are allowed to withdraw and get a part of money back depending on the remaining time on the policy
Time of Cancellation and Refund Eligibility
| Time of Cancellation | Refund Eligibility |
|---|---|
| Within 30 days | 75 percent |
| 1–3 months | 50 percent |
| 3–6 months | 25 percent |
| After 6 months (1st year) | No refund |
It is possible to cancel the services by contacting ICICI Lombard support team either through emails, or by phone. Refunds are generally done after 7 to 10 working days.
Buying ICICI Lombard Complete Health Insurance on Fincover
- Go to the Fincover site and press Health Insurance
- Provide your personal information: age, place, and relatives
- By Insurance providers: filter by ICICI Lombard
- Compare plans available on basis of premium, features and riders
- Choose your sum insured and make optional covers in case required
- Pay online and receive your policy electronically, in your email box
- Get reminder to renew and claim guidance at need time
Real-life Example Anita, 32, who resides in Pune availed family floater plan with Fincover. She compared 7 various plans, chose ICICI Lombard due to its unlimited reset and maternity add-on, and got it in the middle of the lunch break.
FAQ in ICICI Lombard Complete Health Insurance
1. Does the plan come with maternity cost and neonatal care?
Yes, but you must take the optional maternity add-on. It entails birthing fees, neonatal baby care, and other hospital costs.
2. How long will the pre-existing diseases wait?
Pre-existing diseases and listed conditions have a 24 months waiting period.
3. May I use the wellness points to cover family members?
The wellness points are allocated on the basis of the insured member and may be shared. However, family-wide services can receive discounts when booked as a unit.
4. What do I do when I have been treated elsewhere?
In case you are admitted in any other country other than India, you can reimbursement under the global hospitalization benefit, provided your sum insured is 10 lakh or more.
5. Does this policy cover dentists and OPD consultations?
Dental, OPD, are not covered by default. But wellness points may be used to redeem these services at partner networks at a discount.