ICICI Lombard Health Insurance for Family
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ICICI Lombard Health Insurance for Family
ICICI Lombard Health Insurance for family covers all the members of a family under a single sum insured, which is shared by everyone on a floater basis. It provides comprehensive medical coverage to all family members regardless of their age. Some of the most attractive benefits of ICICI Lombard family floater plans include worldwide cover, sum insured protector, claim protector, infinite care, OPD benefit, etc.
ICICI Lombard Health Insurance Plans for Family
Take a look at the various family health insurance plans by ICICI Lombard General Insurance Company:
| Plan Name | Sum Insured | Pre-existing Diseases Waiting Period |
| ICICI Lombard Health AdvantEdge Plan | ₹3 lakh to ₹3 crore | 2 years |
| ICICI Lombard Health Shield 360 Retail Plan | ₹3 lakh to ₹3 crore | 1 year, 2 years |
| ICICI Lombard Wyn Shield Plan | ₹5 lakh to ₹1 crore | 2 years |
| ICICI Lombard Complete Health Insurance Plan | ₹5 lakh to ₹3 crore | 2 years |
| ICICI Lombard Max Protect Plan | ₹50 lakh onwards | 4 years |
| ICICI Lombard Smart Super Health Insurance Plan | ₹5 lakh to ₹1 crore | 4 years |
| ICICI Lombard Elevate Plan | ₹5 lakh onwards | 3 years |
Eligibility Criteria for ICICI Lombard Health Insurance for Family
Check out the eligibility criteria to buy an ICICI Lombard health insurance plan for family:
| Categories | Eligibility Criteria | |
| Adult | Child | |
| Minimum Entry Age | 18 years 21 years (For the Wyn Health plan) |
3 months |
| Maximum Entry Age | 45 years (For the Wyn Health plan) 65 years (For Health AdvantEdge, Max Protect and Smart Super Health Insurance plans) No age limit (For Health Shield 360 Retail, Complete Health Insurance and Elevate plans) |
20 years 23 years (For the Smart Super Health Insurance plan) 25 years (For the Health AdvantEdge plan) 30 years (For the Elevate plan) |
| Relationships Covered |
Self, spouse, dependent children, dependent sibling(s), dependent parent(s), grandparents, grandchildren, parents-in-law, children-in-law, dependent brother-in-law and dependent sister-in-law |
|
| Maximum No. of Family Members Covered | 2 adults + 3 children | |
| Renewability | Lifetime | |
Key Benefits of ICICI Lombard Health Insurance for Family
Here are the key benefits of buying an ICICI Lombard health insurance policy for family:
- No pre-policy medical check-up is required for up to 45 years and ₹10 lakh sum insured under most plans
- Reset benefit/ restoration of sum insured is available
- 20% cumulative bonus is available after every claim-free year
- Tax benefits can be availed on health insurance premiums under Sec 80D of the Income Tax Act
- Cashless preventive health check-ups are available
- Wellness programs/value-added services, including health assistance and ambulance assistance services, are available
- 2.5% pneumococcal disease vaccination discount is available
- Up to 15% tenure discount is available
- Up to 16% zonal discount is available
- 10% wyn fit discount is available
Choose Health Insurance Company for Family
Inclusions of ICICI Lombard Health Insurance for Family
The following coverage are provided by ICICI Lombard health insurance plans for family:
| Coverage Benefits | ICICI Lombard Health AdvantEdge Plan | ICICI Lombard Health Shield 360 Retail Plan | ICICI Lombard Wyn Shield Plan | ICICI Lombard Complete Health Insurance Plan | ICICI Lombard Max Protect Plan | ICICI Lombard Smart Super Health Insurance Plan | ICICI Lombard Elevate Plan |
| In-patient treatment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Day care procedure/treatment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Pre-hospitalization medical expenses | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Post-hospitalization medical expenses | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| In-patient AYUSH hospitalization | ✓ | ✓ | X | ✓ | ✓ | ✓ | ✓ |
| Domestic road ambulance cover | ✓ | ✓ | X | ✓ | ✓ | ✓ | ✓ |
| Donor expenses | ✓ | ✓ | X | ✓ | ✓ | ✓ | ✓ |
| Domiciliary hospitalization | ✓ | ✓ | X | ✓ | ✓ | ✓ | ✓ |
| Air ambulance cover | ✓ | ✓ | X | ✓ | ✓ (under the Premium plan) |
✓ | X |
| Home care treatment | ✓ | ✓ | ✓ | ✓ | ✓ (under the Premium plan) |
X | X |
| Modern treatments | ✓ | ✓ | ✓ | ✓ | X | ✓ | |
| Teleconsultation(s) | ✓ | ✓ | ✓ | ✓ | X | ||
| Bariatric surgery cover | ✓ | X | X | X | ✓ | X | ✓ |
| Convalescence benefit | ✓ | X | X | X | X | ✓ | X |
| Animal bite (vaccination) | ✓ | X | X | X | X | ✓ | X |
| In-patient hospitalization for surrogate mother | ✓ | X | X | X | X | X | ✓ |
| In-patient hospitalization for oocyte donor | ✓ | X | X | X | X | X | ✓ |
| OPD benefit | X | X | ✓ | X | X | X | X |
| Wait Free Daily Cash | X | X | ✓ | X | X | X | X |
| The A-list Hospitals | X | X | ✓ | X | X | X | X |
| Parental Cover | X | X | ✓ | X | X | X | X |
| Worldwide cover | X | X | X | X | ✓ (under the Premium plan) |
X | X |
| Claim protector | X | X | X | X | ✓ (under the Premium plan) |
X | X |
| Second opinion on critical illness | X | X | X | X | ✓ (under the Premium plan) |
X | X |
| Outpatient Emergency Treatment (Accident Only) | X | X | X | X | X | ✓ | X |
| Outpatient Dental Emergency (Accident Only) | X | X | X | X | X | ✓ | X |
|
Optional Covers |
|||||||
| Maternity benefit | ✓ | ✓ | ✓ | ✓ | X | ✓ | ✓ |
| Newborn baby cover | ✓ | ✓ | ✓ | ✓ | X | ✓ | ✓ |
| Worldwide cover | ✓ | ✓ | X | ✓ | ✓ | X | ✓ |
| Claim protector | ✓ | ✓ | X | ✓ | ✓ | X | ✓ |
| Critical illness cover | ✓ | X | ✓ | ✓ | X | ✓ | ✓ |
| BeFit benefit | ✓ | ✓ | X | ✓ | X | X | ✓ |
| Sum insured protector/ inflation protector | ✓ | ✓ | X | ✓ | X | X | ✓ |
| Nursing at home | ✓ | ✓ | X | ✓ | X | X | ✓ |
| Super no claim bonus | X | ✓ | ✓ | ✓ | X | X | X |
| Hospital daily cash | X | ✓ | X | ✓ | X | ✓ | X |
| Convalescence benefit | X | ✓ | X | ✓ | X | X | ✓ |
| Compassionate visit | X | ✓ | X | ✓ | X | X | ✓ |
| Preventive health check-up (cashless) | X | ✓ | X | X | ✓ | X | ✓ |
| Personal accident cover | ✓ | X | X | ✓ | X | X | ✓ |
| Voluntary co-payment | ✓ | X | X | ✓ | X | X | ✓ |
| Voluntary deductible | ✓ | X | ✓ | X | X | X | ✓ |
| PED waiting period reduction | X | X | ✓ | X | ✓ | X | ✓ |
| First year vaccinations for newborn baby | ✓ | X | X | X | X | X | ✓ |
| Dependent accommodation benefit | X | ✓ | X | X | X | X | ✓ |
| Room eligibility/ room modifier | X | X | X | X | ✓ | X | ✓ |
| Preventive health check-up (reimbursement) | ✓ | X | X | X | X | X | X |
| Room rent capping | ✓ | X | X | X | X | X | X |
| LWP daily cash | X | X | ✓ | X | X | X | X |
| All payable claims | X | X | ✓ | X | X | X | X |
| Assisted procreation | X | X | ✓ | X | X | X | X |
| Coverage++ | X | X | ✓ | X | X | X | X |
| Outpatient treatment | X | X | X | ✓ | X | X | X |
| Infinite care | X | X | X | X | X | X | ✓ |
| Power booster | X | X | X | X | X | X | ✓ |
| JumpStart | X | X | X | X | X | X | ✓ |
| Chronic disease management program | X | X | X | X | X | X | ✓ |
| Domestic air ambulance cover | X | X | X | X | X | X | ✓ |
| Durable medical equipment cover | X | X | X | X | X | X | ✓ |
| Teleconsultation(s) | X | X | X | X | X | X | ✓ |
| Maternity waiting period reduction option | X | X | X | X | X | X | ✓ |
| Specific illness waiting period reduction option | X | X | X | X | X | X | ✓ |
| Worldwide cover waiting period reduction option | X | X | X | X | X | X | ✓ |
| Network advantage | X | X | X | X | X | X | ✓ |
| NRI advantage - accidental emergencies cover for NRI | X | X | X | X | X | X | ✓ |
Exclusions of ICICI Lombard Health Insurance for Family
ICICI Lombard health insurance plans for family exclude the following:
- Non-accidental OPD expenses
- Treatment for alcoholism or drug addiction
- Adventure sports or hazardous sports cover
- Intentional self-injury
- Cosmetic surgery or plastic surgery
- External congenital defects
- Sexually transmitted diseases
FAQs
-
Q1. Which waiting periods apply to ICICI Lombard Health Insurance for family?
Ans: The following waiting periods apply to ICICI Lombard health insurance plans for family:- Pre-existing disease waiting period - 1 year, 2 years, 3 years, 4 years
- Specified disease/procedure waiting period - 2 years
- Hypertension/cardiac conditions/diabetes waiting period - 90 days
- Initial waiting period - 30 days
- Bariatric surgery waiting period - 2 years
- Maternity benefit waiting period - 9 months, 2 years, 3 years, 4 years
- Critical illness waiting period - 60 days, 90 days
- Worldwide cover waiting period - 2 years
- Outpatient treatment waiting period - 90 days
-
Q2. How can I check ICICI Lombard health insurance for family price?
Ans: You can go through the ICICI Lombard health insurance premium chart to know the cost of a family health plan. You can also use a premium calculator online on Policybazaar.com to know the ICICI Lombard health insurance for family cost. -
Q3. Does the ICICI Lombard family floater policy cover maternity benefits?
Ans: Yes. Most ICICI Lombard family health insurance plans cover maternity expenses as an optional benefit.
Policybazaar exclusive benefits
- 30 minutes claim support*(In 120+ cities)
- Relationship manager For every customer
- 24*7 claims assistance In 30 mins. guaranteed*
- Instant policy issuance No medical tests*
Health insurance companies
Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
ICICI Lombard Health Insurance Plans
ICICI Lombard Complete Health Insurance
ICICI Lombard Health Care Plus
ICICI Lombard Health AdvantEdge Plan
ICICI Lombard Max Protect Plan
ICICI Lombard Health Booster Plan
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*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.
*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.
*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.
**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.
*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.
*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases
*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.
*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.
*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.
*The values taken for effective cost calculation are indicative values and may change as per the selected plan.
*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.
*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.
*The scope of coverage may vary from plan to plan.
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##On ground claim assistance is available in 114 cities
Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.
STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.
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