ICICI Lombard Health Advantage Sheield Plan

ICICI Lombard Health Advantage Insurance Plan is a well applied health insurance product that is targeted to Indian families and individuals who need to insure themselves against any medical contingencies in the year 2025. It is a broad range of medical benefits, preventive care, and integrating of modern advancements in the field of medicine and instructions are in accordance with new standards in the field of healthcare as well as with the lifestyle of modern families that lead a busy urban and semi-urban life.

ICICI Lombard has become a reliable leader in the Indian insurance market, as it managed to create products which respond to new needs in terms of health care of consumers. Health Advantage Insurance Plan offers the most comprehensive cover, convenient claims and a range of useful advantages as additions, and ought to be one of the most desired health insurance plans in 2025.

What are the reasons to buy ICICI Lombard Health Advantage Insurance Plan?

This plan is not a typical hospitalisation plan that seeks to provide comprehensive health coverage. As hospital bills, medicines, and tests and diagnosis increases each year in India, high coverage of the insurance cover becomes more necessary than before. Health Advantage Insurance Plan offered by ICICI Lombard has come up as a trusted provider to both families and individuals, considering the fluctuating trends vis-a-vis healthcare witnessed in metropolitan cities and tier two towns.

Other questions people will always ask are:

Q. Is ICICI Lombard Health Advantage senior citizen friendly?
A: Yes, senior citizens can be covered under this plan with lifetime renewability and expressing lower pre-existing disease waiting time depending on the variant.

What Are The Major Features or Highlight?

• Sum Insured Options: The options are available anywhere between Rs. 3 lakh to Rs. 50 lakh.
• Wide Network Hospitals: More than 7,600+ hospitals in the country to enjoy trouble-free cashless treatment.
• No Sub-limits: There are no disease-based or room rent caps on most of sum insured plans.
• Day Care Treatments: Over 170 of the day care procedures that do not have a 24-hour hospitalisation coverage.
• Pre And Post Hospitalisation: Covers expenses before and after hospitalisation for a fixed period (usually 30 and 60 days).
• Free Periodical Health Check-Up: This benefit is provided to all the insured members who are older than 18 years once a policy year.
• Restore Benefit: Automatic reinstatement of the sum insured in case the same is used up during a policy year.
• No Claim Bonus: Each year, without a claim, increases the sum covered by up to 50 percent of the initial insured sum.
• Wellness Programmes: Comprises rewards about healthy dieting, check-ups and things about health.
• Online Claim Tracking: We provide 24x7 claims support and online tracking of claims to make it convenient to our customers.

Expert’s insight:
Have you heard that in 2024 ICICI Lombard Health Advantage Plan will launch AI-based claim assistance in metro cities and the process of settling the claims would be much quicker and accurate?

Advantages of this Plan in 2025:

• Cashless Hospitalisation
  Pay nothing and Get treatment in the network hospitals without hassles. Just present the health card and leave the bills to the insurer.

• Total Diseases Covering
  Includes general illnesses, hospitalisation, life-threatening diseases, surgeries, and accidental injuries, the new diseases and health conditions that are on the increase in India.

• Domiciliary Hospitalisation
  When the move to a hospital is not possible because of a health problem or bed shortage, such treatment at home will also be available, which is a significant addition due to pandemic experiences.

• Tax Benefits
  Under this plan, the premium is free of tax under the Income Tax Act Section 80D, to an amount of 75000 in 2025 for senior citizens.

Other questions people will always ask are:

Q: Does it include COVID 19 and other pathogenic diseases?
A: Yes, ICICI Lombard Health Advantage Insurance would still cover COVID 19, and emerging infectious diseases, as per the new recommendations of the government health.

What Is Eligibility And Scope Of this Coverage?

• Age of Entry: Adults may be covered who are 18 years or more and children whose age range is more than 91 days. There is no maximum age to renew the policy after it was already renewed.
• Family Floater And Individual options: Option to include yourself, spouse, dependent children and parents under floater or individual sum insured.
• Pre-existing Diseases: The waiting period is as less as two years and wellness programs can be used to shorten the time.
• Geographic Coverage: Provides PAN-India covers and few international options of emergency treatment with its related add-ons.

And did you know?
Starting 2024, ICICI Lombard, in response to consumer consultation during the pandemic, improved the Home Care Coverage as part of the Health Advantage Plan, making it one of the few insurers with such an important element.

ICICI Lombard Health Advantage Insurance Pros And Cons:

Pros

• Broad hospital affiliation to quick cashless settlements.
• Flexible sum assured that was appropriate to middle-income and well-off families.
• Coverage is guaranteed in lifetime.
• No sub-limitation of room rent on larger sum insured.
• Claim support and fast customer servicing.

Cons

• There are cases when the premiums of the Rs. 25 lakh+ plans can be higher than competitors.
• There are certain additional add-ons or some international coverages that come at an extra charge.
• OPD (Outpatient) benefits are limited unless you opt for add-ons.
• No maternity cover in standard variant (only with add-ons).

Expert’s tip:
It is advisable to review the waiting period and the availability of a hospital network that is in your city before committing any plan.

What is the Comparison Between ICICI Lombard Health Advantage and other Health Plans 2025?

(Data as per latest IRDAI filings and premium calculators for 2025)

Other questions people will always ask are:

Q: Does Health advantage Plan have any co-payment?
A: Most plans do not require any mandatory co-payment until the age of 60 years, but co-pay transactions would occur if the sum insured is increased or entry into the cover at a later age. Never hesitate to examine your policy document.

Who Must Look at This Policy in 2025?

• Nuclear or Joint Families in desire of a securing united umbrella policy.
• First-time Health Insurance Buyers are wanting digital-first services.
• Those with risk of lifestyle diseases or Senior Citizens.
• Regular Travellers who desire optional world-wide emergency cover.
• Couples and Young Professionals would enjoy being rewarded with wellness and telemedicine.

And did you know?
According to policy trends in early 2025, more small families (2 adults + 1 child) are opting for individual over floater covers for increased tax benefits.

How Does One should Buy Or Renew The Policy?

• Go online to the leading insurance sites.
• Enter personal information and amount of insured sum required.
• Rely on reviews of plan types and add-on like critical illness, OPD or global treatment.
• Upload medical history if required (ages above 45 years may require tele-health checks).
• Pay online. All reports are emailed and sent through WhatsApp.
• Subscription is online and can also be renewed instantly every year, and renewal penalties and bonus upgrades are common.

Other questions people will always ask are:

Q. Is it possible to purchase the policy without pre-policy medical tests?
A: In the younger adults under age 45 and individuals who do not have any significant past medical history, the tele-medical consultation is frequently sufficient. On increased age or sum insured basic health check might be required.

What about Claim settlement and Customer support?

• Rate in settling claims: Normally 7 business days in the case of cashless and up to 15 days in the case of reimbursement.
• Whatsapp and 24x7 helpline support.
• The online tracking of a claim and online document upload.
• The claim settlement ratio of ICICI Lombard is also considerable high and irrespective of the claims numbers, it is still above 97 percent as per IRDAI figures as of Jan 2025.

Expert’s insight:
To get faster claims, all original hospital bills and discharge summaries should always be uploaded on the portal or app digitally.

What Riders Or Add-ons Are There?

• Life insurance
• Mother and infant baby cover
• Personal accident rider
• Dental treatment and out-patient
• International acute care hospitalisation
• Enhanced sum-insured through top-up super top-up facilities, which do not require excessive increase in premiums

Other questions people will always ask are:

A: Does this plan cover AYUSH treatment?
A: Yes, AYUSH hospitalisation (Ayurveda, Yoga, Unani, Siddha, Homeopathy) is covered up to sum insured at network wellness centres.

What Is Not Covered (Exclusions) in this Plan?

• The existing conditions that will be reported upon the first suggestion and a settling-in period as stated in the policy forms.
• Dental without applicable add-on, infertility, and cosmetic therapy.
• Hospitalizations or any self-inflicted harm that are not needed medically.
• Treatment abroad, without the addition of a global cover.

And did you know?
Health check is always free once a year regardless of whether your claim or not in that policy year, an innovation in the market destination and distinguished among the major insurers in 2025.

What Do Your Customers Say in 2025?

According to the social network customers feedback and the official records of complaints until March 2025:

• Majority of the users loved quick online processing of their claims and the easy system of the wellness reward point scheme.
• Tele-health onboarding was convenient to some new buyers to onboard elderly parents.
• The single-person households found the high sum insured premiums to be a bit expensive.

TL;DR / Back On Recapping:

The product- ICICI Lombard Health Advantage Insurance Plan is a powerful digitally first healthy insurance offering by ICICI Lombard Insurance Company launched to Indian households and individuals in 2025. Among its highlights are wide hospital network, sum coverage to up to Rs. 50 lakh, wellness programmes, and riders to cover maternity and global care options. Settlement of claims is fast, and the online assistance provides ease in use. It will appeal to a large population base, more so to the middle and upper-middle class Indian families and the urban professionals who have their eye on preventive care.

People Also Ask

Q: What Claim form documents are required in Health Advantage Plan?

• Discharge summary
• End of hospital bills and prescriptions
• Diagnostic reports
• Identification proof and policy document

Q: What is the no claim bonus in this plan?
Each claim-free policy year increases the sum insured, up to a defined limit (usually 50 percent), without extra premium.

Q: Are there any wait times on newly emerging diseases?
Most diseases are subject to standard waiting period except in case of pandemic provisions which provide cover immediately after they are notified by regulator as infectious.

Sources:

ICICI Lombard Authorized Health insurance page
Reviews in Insurance Industry 2025