Sum insured₹10 L – ₹1 Cr
CSR—
Network hosp.7K+
PlanIndividual
- Zero co-payment at any age
- No room rent cap (any room category)
- 100% restoration of sum insured
Covers: Self + spouse (2 adults 18+), Up to 4 dependent children (3 months–25 years)
ICICI Lombard
ICICI Lombard Complete Health Insurance
Sum insured
₹3 L – ₹5 Cr
10K+Network
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Key features
- In-patient hospitalisation cover
- Pre-hospitalisation expenses (60 days)
- Post-hospitalisation expenses (180 days)
- Day-care procedures covered
- Domiciliary hospitalisation
- AYUSH treatment cover
- Restore / Reset benefit on sum-insured exhaustion
- Cumulative bonus for claim-free years
- Lifelong renewability
- Cashless treatment at network hospitals
- Tax benefit under Section 80D
What’s included
- Hospitalisation expenses (room, ICU, nursing)
- Pre-hospitalisation (60 days)
- Post-hospitalisation (180 days)
- Day-care procedures
- Domiciliary hospitalisation
- Ambulance charges
- Organ donor expenses
- AYUSH in-patient treatment
- Modern treatments (per IRDAI 2019 circular)
- Mental illness hospitalisation
- Cumulative bonus on renewal
What’s excluded
- Pre-existing diseases during waiting period
- Cosmetic / aesthetic surgery
- Self-inflicted injury and suicide attempts
- Substance abuse and intoxication-related treatment
- Treatment outside India (unless variant covers)
- War, nuclear and similar perils
- Adventure / hazardous sports injuries (unless declared)
- Non-allopathic treatments outside AYUSH coverage
Eligibility
- Min age
- 0 years
- Max age
- 65 years
- Max entry age
- 65 years
- Covers
- Self, Spouse, Dependent children, Parents, Parents-in-law
- Policy term
- 1/2/3 years (lifelong renewability)
- PED waiting period
- 2 years
- Initial waiting
- 30 days (except accidents)
- Co-payment
- Nil
- Room rent
- Single AC private
- No-claim bonus
- Up to 50% per year
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