ICICI Bank Health Insurance

ICICI Bank health insurance is a mediclaim policy offered to ICICI Bank account holders in partnership with ICICI Lombard General Insurance Company. The plan is designed to provide financial support during medical emergencies and offers cashless health insurance facilities to the customers. However, the health insurance coverage remains valid only as long as the customer maintains an active ICICI Bank account and the bank continues its partnership with the insurer.

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      ICICI Bank Health Insurance: Key Highlights

      Categories Specifications
      Pre-existing Diseases Coverage is offered from day 1
      Validity of ICICI Bank health insurance plans 1. Valid until the customer has an operational ICICI Bank account
      2. Valid until ICICI Bank maintains its partnership with the insurer
      Riders Mostly not available
      Premium Payment Automatically debited from the associated ICICI Bank account
      Tax Benefits Available under Section 80D of the Income Tax Act

      Disclaimer: PED waiting period may vary depending on the terms and conditions of the ICICI Bank health insurance policy.

      Benefits of ICICI Bank Health Insurance

      Listed below are the top ICICI Bank health insurance benefits for account holders:

      1. Affordable Premiums

        ICICI Bank health insurance plans are more affordable than standard mediclaim policies. This affordability is due to the bank's collaboration with insurance providers. In fact, customers may also get extra discounts through promotional offers, making the plans even more cost-effective.

      2. Coverage for Pre-Existing Diseases (PED) from Day 1

        Unlike regular health insurance plans with up to 3 years of waiting period for PED, the ICICI Bank health policy may provide instant coverage for pre-existing medical conditions. This means that health issues the customer already had before buying the policy are covered from day 1.

      3. Automatic Premium Payments

        The premiums of ICICI Bank health insurance are automatically debited from the customer's ICICI Bank account. This ensures timely health insurance premium payments and removes the hassle of remembering due dates or making manual payments every year.

      4. No Agents Involved

        The ICICI Bank health insurance policy can be purchased and managed without involving any third-party intermediaries or insurance agents. This makes the policy buying process simple and transparent.

      5. Mediclaim Plans for Everyone

        ICICI Bank health insurance caters to individuals across all age brackets. Customers can buy the ICICI Bank family health insurance plan, for floater coverage or the ICICI Bank health insurance for parents to meet the varying healthcare needs of different people.

      6. Enhanced Convenience

        With ICICI Bank health insurance, customers can take care of their banking and health insurance needs under one roof. This makes things more convenient, saves time, and helps customers manage everything in an organised way.

      List of Plans Offered by ICICI Bank Health Insurance

      Take a look at the medical insurance plan offered by the ICICI Bank:

      ICICI Bank Health Insurance Plan Sum Insured Ideal For
      ICICI Lombard Health Shield 360 Plan ₹3 lakh to ₹3 crore Families

      Note: The above ICICI Bank health insurance plan is as of May 08, 2025.

      What is Covered by ICICI Bank Health Insurance?

      ICICI Bank health insurance offers coverage for the following:

      • In-patient hospitalisation
      • Pre-hospitalisation expenses
      • Post-hospitalisation expenses
      • Day care procedures
      • In-patient AYUSH treatment
      • Domiciliary hospitalisation
      • Air ambulance charges
      • Domestic road emergency ambulance charges
      • OPD cover
      • Organ donor expenses
      • Maternity benefit
      • Unlimited reset of the sum insured benefit
      • Preventive health check-up benefit
      • 360 wellbeing program
      • Consumables cover

      What is Not Covered by ICICI Bank Health Insurance?

      The following expenses are not covered by the ICICI Bank health insurance scheme:

      • Suicide or self-inflicted injury
      • Plastic surgery
      • Treatment for drug or alcohol addiction
      • Weight control or obesity treatments
      • Treatment for injuries due to involvement in illegal activities
      • Treatment for injuries due to dangerous sports
      • Congenital external diseases
      • Change of gender treatments
      • Unproven treatments

      Things to Keep in Mind While Buying an ICICI Bank Health Insurance Plan

      Check out a few things that must be kept in mind while investing in the ICICI Bank health insurance plan:

      • Validity: The ICICI Bank health insurance policy is valid as long as the customer has an operational ICICI Bank account and the bank continues its association with the insurance company.
      • Coverage Scope: In comparison to extensive coverage offered under standard health insurance policies, the scope of coverage under the ICICI Bank mediclaim policy may be limited. It is therefore recommended to carefully review the inclusions and exclusions of the plan before buying.
      • Choice of Insurance Providers: The options for choosing an insurance provider are restricted under the ICICI Bank health insurance, which is not the case under regular mediclaim policies.
      • Riders: ICICI Bank account holders may not have the option to add health insurance riders in bank health insurance vs personal retail health insurance.

      ICICI Bank Health Insurance: FAQs

      • Q1. Does ICICI Bank provide health insurance?

        Ans: Yes, the ICICI Bank provide health insurance to its account holders.
      • Q2. Which insurance company has tie-up with ICICI Bank?

        Ans: The ICICI Lombard General Insurance Company has a tie-up with the ICICI bank.
      • Q3. Is ICICI Bank health insurance cashless?

        Ans: Yes, the ICICI Bank provides cashless health insurance facilities across all hospitals in the country. To avail of the benefits, you simply need to inform the insurer about the hospitalisation within the stipulated timeframe and carry your ICICI Bank health insurance card to obtain cashless treatment.
      • Q4. What is the price of ICICI Bank health insurance?

        Ans: The price of ICICI Bank health insurance may vary from one person to another, depending on certain factors, including age, location and coverage amount. However, you can find the approximate premium price by going through the ICICI Bank health insurance premium chart on the insurer’s website or by contacting customer care. You can also use the ICICI Bank health insurance premium calculator tool available on Policybazaar.com to know the estimated premium price.
      • Q5. Where can I find the ICICI Bank health insurance hospital list?

        Ans: The ICICI Bank health insurance hospital list can be obtained by reaching out to the bank or the insurance provider linked to your policy. Moreover, you can also visit their official website to view the network hospital list or call the ICICI Bank health insurance customer care number.
      • Q6. How can I check my ICICI Bank health insurance claim status?

        Ans: You can check your ICICI Bank health insurance claim status by contacting your bank or the insurance provider.
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      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

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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.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##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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