ICICI Lombard Complete Health Insurance Plan

ICICI Lombard Complete Health Insurance ensures that your family remains secured and protected against untimely medical conditions. It also offers a floater option to cover the entire family (i.e., self, spouse, dependent parents and dependent children, brothers and sisters) under a single policy by paying a single premium. Besides offering a comprehensive cover, it also allows you to customize your medical plan.

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ICICI Lombard Complete Health Insurance Plan

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    Key Benefits of the Plan

    • The option of multiple sum insured is available.
    • It gives coverage up to Rs 10 Lakh
    • Offers lifetime policy renewal
    • No maximum entry age to buy the policy
    • No medical test is required up to 45 years of age.
    • Cashless settlement available across 4000+ network hospitals
    • No sub-limit option
    • Pre-existing diseases are covered immediately after 2/4 years of continuous coverage under the policy
    • The customer can avail an option of free health checkup at designated centres. The coupons would be given to each policyholder for every policy year. For floater basis, maximum 2 coupons are given.

    How to Cancel the Policy?

    A policyholder is allowed to cancel the policy by giving 15 days written a notice to the insurance company. The insurer will refund the premium for the unexpired period as per the following table, provided no claim has been made.


    Cancellation Period

    Policy Tenure

    Within 1 month

    From 1-3 months

    From 3-6 months

    From 6 months-1 year

    During 2nd year

    1st year

    75% premium

    50% premium

    25% premium

    0% premium


    2nd year

    75% premium

    65% premium

    50% premium

    25% premium

    0% premium


    In the base policy, there is no sub-limit on the following major illness and procedures-

    • Cancer
    • End Stage Renal Failure
    • Major Organ Transplant
    • Stroke
    • Multiple Sclerosis
    • All brain-related surgeries
    • All cardiac surgeries

    How to File For a Claim?

    The claims are serviced by ICICI Lombard Health Care, which is the company’s own claim processing portal. In case of planned or emergency hospitalization, use the health card at network hospitals to avail cashless hospitalization. All the claims have to be informed 48 hours before the hospitalization and within 24 hours in case of emergency.

    List of documents required at the time of claim

    • Duly filled claim form signed by the insured or the doctor within 60 days after the discharge
    • The original bill, receipts and discharge certificate received from the hospital
    • Original investigation test reports and payment receipts
    • Any other document required by the insurer

    What is not Covered?

    Below are certain health conditions and ailments which are not covered-

    • Medical expenses incurred during the first 30 days of the commencement of the policy coverage
    • Non-allopathic treatment
    • Expenses arising out of alcohol or drug
    • Cost of spectacles
    • Medical expenses incurred for treatment of AIDs
    • Tests relating to infertility
    • Joint replacement unless it is due to an accident

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    ICICI Lombard Complete Health Insurance Plan Reviews & Ratings

    0 / 5 (Based on 31 Reviews)
    (Showing Newest 9 reviews)
    Chennai , October 26, 2021
    Great features
    I have got day care hospitalization feature under the mediclaim policy which i have purchased from the policybazaar. It offered me lifelong renewability Cover. It includes tax exemption benefits, cashless hospitalization and many other facilities. overall i like my plan.
    Kolkata , October 26, 2021
    Trustworthy website
    I rarely trust the online purchasing because of the possibility of fraud but Policybazaar has built my trust up. I went through the online process when I was taking care health insurance from here and i found this website trustworthy.
    Surat, October 26, 2021
    Helpful staff
    I rarely trust the online purchasing because of the possibility of fraud but Policybazaar has built my trust up. I went through the online process when I was taking care health insurance from here and i found this website trustworthy.
    Pune, October 26, 2021
    Low cost plan
    Such a simple and easy process to buy a policy was provided to me by Policybazaar. Someone suggested me to check the health plans on Policybazaar website. i went through a lot of plans and i found the right plan here. i bought star health insurance at low cost.
    Jaipur, October 26, 2021
    Good Coverage
    I have bought Bajaj Allianz Health Insurance for my family and by taking a health plan, I have secured my entire family. I have got coverage against medical expenses and buying my policy online has saved my money as I did not have to pay agent fees.
    Lucknow, October 26, 2021
    Affordable plan
    A friend of mine told me about Policybazaar. He said that he has found an affordable health plan deal in Policybazaar. I went to Policybazaar to buy the same plan. I wanted a family health plan so I took Aditya Birla health insurance and it has covered every member of my family.
    Kanpur, October 26, 2021
    Easy to compare
    Last week i went to Policybazaar for taking health plan for my family. An executive explained the policy very well and showed me various plans out of which i chose digit health insurance and it has covered me and my wife.
    Nagpur, October 26, 2021
    Good plan
    I was able to compare the various plans easily on the website of Policybazaar. At first, i was confused about what i should choose as so many options were given there but then i bought sbi general health insurance for my parents. I got really good senior citizen health plan.
    Allahabad, October 26, 2021
    Hassle free experience
    I had an amazing and hassle free experience with policybazaar. Everything has beem very smooth when i was purchasing health insurance from policybazaar. Their team assisted me in well mannered way.
    Download the Policybazaar app
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