ICICI Lombard Complete Health Insurance Plan

ICICI Lombard Complete Health Insurance Plan is a local favourite health insurance scheme in India, which is designed to suit families and individuals. The healthcare expenses have since grown constantly in 2025, and as such, obtaining a comprehensive health plan is paramount to be financially stable and worry-free.

This policy is such that it covers a broad assortment of medical costs, such as pre and post hospitalisation, surgery, and day care treatment and emergency medical requirements. Among the features that the plan promotes is customisation of the sum insured, cashless hospitalisation facility and the provision of additional services like wellness programs and telemedicine assistance.

Be it a case where you have elders or young children in your family or an individual case where you need a good health cover, then ICICI Lombard Complete Health Insurance can be the answer to your requirements.

Did you know?
Recent statistics released by IRDAI indicate that nearly 60 per cent of the cities dwellers of India are currently choosing to take out comprehensive health insurance cover as the first line of defence against medical needs.

What’s the Key Features of the ICICI Lombard Complete Health Insurance Plan?

Among the most popular features and benefits that make this health insurance plan popular, one of them is that this health insurance plan has a wide range of features and benefits. Which are the main key points that the policy introduces in 2025?

• Cover up to the age of 18 years to 65 years, life long renewability
• Sum insured covers of ₹3 lakh to ₹50 lakh
• Treatment without cash, in more than 7,500 network hospitals in India
• Hospitalisation cover with room rents, ICU, nursing fees, and surgery
• The amounts that might be spent before and after the hospitalisation up to a maximum of 60 and 180 days respectively
• Day care procedures (over 160) that do not require full day admission
• Donor cost and organ transplant ambulance cover
• No claim bonus of up to 50 percent increase in sum insured with every year of no claims
• All insured persons will get a free annual health check up
• Discounts and additional benefits to maintaining healthy lifestyles
• Limits to COVID-19 and other future infectious diseases, including policy terms

The Comparative Pictures of the Other Health Insurance Plans in 2025?

It is important to compare policies of different insurances before selecting one. The table below is an illustration on how ICICI Lombard insurance plan compares to two other plans that are similar; HDFC Ergo Optima Restore and Max Bupa Health Companion.

Expert’s Insight
“ICICI Lombard’s plan offers robust post-hospitalisation and higher no-claim bonus, but lacks automatic restore benefit; consider your family history and hospital preferences before choosing,” says Dr Ritu Sharma, insurance advisor and health planner.

ICICI Lombard Health Insurance Exclusions:

Any policy has exclusions. This knowledge eliminates shock during claims.

• Having up to 24 to 48 months depending on the case of pre-existing illnesses
• Experimental treatment, unproven, and cosmetic procedures
• Soft tissues
• Insurance as a result of self-harm wounds or substance abuse
• Some Ayurvedic, Homeopathic or Unani treatment outside the stipulated limits
• Dental and optical treatments, except injuries caused by accident
• Maternity costs not as an add-on cover
• All optional rider on OPD treatments

Even Individuals want to know

Does maternity come under ICICI Lombard health insurance cover?
It will only do so when you have maternity add-on cover. In other cases it usually is not included in the base policy.

Pros and Cons of 2025 ICICI Lombard Complete Health Insurance?

Pros

• Cashless hospitalisation even in Tier 2 cities by a large network
• Superior amounts insured that can be used when facing significant illness and large families
• Broad based wellness and preventive health benefits
• Fast and open process of settling claims
• Premium could be paid monthly, quarterly or yearly as an option

Cons

• No base plan without restore or refill sum insured
• Waiting period on pre-existing illnesses may be lengthy
• Maternity and OPD as non default inclusions
• Depending on words used in policy renting of rooms might be capped
• Unreimbursed non-medical expenses

Did you know?
According to a survey conducted by HealthCover Trends India 2024, wellness rewards and mental health provisions were the main additional features that more than 80 percent of newcomer buyers preferred.

So How To Purchase, or Renew ICICI Lombard Health Insurance?

Purchasing or renewing a policy is easy and has few steps, in particular, on the Internet.

1. Visit the official ICICI Lombard website and select ‘Complete Health Insurance’
2. Fill in main information, specify members to be covered and sum insured
3. Compare versions of the plan, include optional cover, as required
4. Receive on-demand quotations, complete and pay on the Internet

Renewing is very easy: log in to your account, review policy and pay hassle-free

To get offline help you may call the helpline number which is free or visit a branch office with your documents so that they can provide you help.

Even Individuals want to know

Is payment of health insurance premium payable in instalment?
Yes, with ICICI Lombard, you can even pay premium on annual, semi-annual, quarterly, and month-to-month basis.

What is the Claim Process of ICICI Lombard Complete Health Plan?

In 2025, the entire claim procedure is smooth thanks to electronic records and electronic authorizations.

1. When you plan to be hospitalised, you need to intimate ICICI Lombard 48 hours before the appointment
2. In the case of emergency hospitalisation, inform within 24 hours of admission
3. Deliver pre-authorisation form and policy details at the network hospital desk
4. Eligibility will be verified by the insurer, and bills paid directly in a case of cashless claim
5. Submission of hospital bills, prescriptions and discharge summary leads to settlement of claim within 7-10 days

The helpline is 24/7 and their online tracker of claims makes the process quicker and less secretive.

Expert’s Insight
“Using the ICICI Lombard mobile app for claim updates can reduce manual errors and accelerate payouts; always keep scanned copies of your hospital papers ready.”

What Is the Way to Tailor Your ICICI Lombard Plan 2025?

This plan has a strong point of customisation. You have the option to add-on optional covers and add-ons to have a wider protection:

• Maternity and new born infant cover
• Outpatient dental, vision, and wellness preventive care
• Disease critical illness rider such as cancer and heart disease amongst others
• Personal accident benefit
• Top-up insurance on bigger hospital expenses

Pick one based on family necessity, health history and budgetary choice.

Even Individuals want to know

Do dangerous diseases such as cancer come into the picture automatically?
They are chosen under a hospitalisation and you can have an additional option of a critical illness rider that pays a lump sum payment on diagnosis.

To Whom Will ICICI Lombard Complete Health Insurance Be of Use?

The health insurance plan is appropriate in the following:

• Yuppies that want to pay first before getting coverage digitally without the hassle
• Families with a large family size who require sums insured and network hospital coverage
• Aged parents seeking pre and post hospitalisation and wellness covers
• Individuals with predisposition to conducting lifestyle illnesses desiring tailor made riders
• Whoever resides in metros or Tier 2 and Tier 3 cities due to its extensive network of hospitals

The selection of the plan is reasonable when you care about health checkup, convenient claim submission, and digital convenience.

Did you know?
According to the ‘India Health Insurance Report 2024’, over 70 percent of new policies were bought online without agent assistance, reflecting trust in digital policy management.

TL;DR or Greater Summary:

ICICI Lombard Complete Health Insurance Plan would be a flexible and comprehensive health insurance to families and individuals in 2025.

• Large network hospitals and sum insured range
• Has wellness reward, Complimentary Annuals check-up and telemedicine
• There will be exclusions such as maternity, out patient department unless add ons are taken
• Plan is ideal in case you desire online access, open boldness of your claim, and holistic health cover of your loved ones

Frequently Asked Questions:

1. What is the waiting period of pre existing diseases in ICICI Lombard health insurance?
   Typically, 24-48 months depending upon policy type and the waiting periods selected.

2. What is free look period in ICICI Lombard health insurance?
   You get 15 days (30 days, if bought online) from the date of receipt to review and return the policy if unsatisfied.

3. Are elderly people allowed to purchase ICICI Lombard Complete Health Insurance?
   Yes, renewal up to lifelong is valid once as well as up to 65 years entrance.

4. Is ICICI Lombard Complete Health Insurance tax beneficial?
   Yes, you are able to avail deduction as per existing tax regulations under section 80D in relation to self and family.

5. What are the requirements of cashless claim?
   Insurance policy copy, KYC, hospital bills, doctor prescription, diagnosis report, discharge summary and pre authorization request form.

6. Does AYUSH treatment include insurance?
   They offer partial cover that depends on terms of policies and variant of the policy.

7. Does this mean that I can convert to family floater policy in future?
   Yes, you are allowed to upgrade on renewal.

For more information and latest updates in the year 2025, visit the official ICICI Lombard site always.

Sources:

ICICI Lombard Policy brochure 2025

HealthCover Trends India 2024