
Health Advantage ICICI Lombard
In this age when medical costs are skyrocketing in every city, health insurance has become a necessity. Finding a plan that caters to all your needs without asking for an unreasonable premium seems overwhelming, right? Enters ICICI Lombard Health AdvantEdge offering wholesome coverage and all-around wellness benefits.
The ICICI Lombard Health AdvantEdge plan is designed to provide a shield against rising medical costs and extend a helping hand in times of emergencies. Let’s explore the plan in detail to understand how it works in offering coverage.
To learn more about Family Floater Plans, click here.
Highlights of Health Advantage by ICICI Lombard
ICICI Lombard Health AdvantEdge: Highlights
Particulars |
Details |
---|---|
Policy Name |
ICICI Lombard Health AdvantEdge
|
Insurance Company |
ICICI Lombard General Insurance Company Ltd
|
Policy Type |
Individual, Multi-Individual and Family Floater
|
Sum Insured Options |
Starting from ₹5 lakhs to ₹3 Crore
|
Add-Ons |
Available Options:
|
Waiting period |
|
Network Hospitals |
Over 10,300
|
Claim Settlement Ratio |
99.7% as of FY 2023-2024
|
Features and Benefits of ICICI Lombard Health AdvantEdge
The ICICI Lombard Health AdvantEdge is a plan that caters to all your medical needs, so you no longer have to worry about medical bills. In addition to medical coverage, the plan has a lot more to offer. Let’s take a look at the features and benefits of ICICI Lombard Health AdvantEdge
Wish to Enhance Your Coverage? Take a Look at the Riders Available
Riders |
Benefits |
---|---|
Maternity Benefit |
The rider offers the following: |
Claim Protector |
Under this rider, you can get coverage for non-payable items if your policy has a sum insured amount of less than ₹15 lakhs. Note: Non-Payable items include those items that are listed by the Insurance Regulatory and Development Authority. |
Co-Payment Option |
Through this rider, you can opt for a 10% or 20% co-payment for your medical expenses. This means that you will pay a specific amount from your pocket, and the remaining medical bill amount is settled by the insurance company. |
Teleconsultation Benefits |
Through this rider, you can get: |
Personal Accident Cover |
Under this rider, if the insured faces permanent total disability, permanent partial disability or death, then: |
Critical Illness Rider |
Under this rider, if the insured is diagnosed with any of the listed critical illnesses, then: |
ICICI Lombard Health AdvantEdge: What is Covered?
The ICICI Lombard Health AdvantEdge plan has a long list of coverages that take care of all your medical needs. Here’s what you get under the policy:
ICICI Lombard Health AdvantEdge: What is Not Covered?
When you are purchasing medical insurance, it is important that you are aware of the exclusions. Here’s what the ICICI Lombard Health AdvantEdge plan does not cover:
Pros & Cons of Health Advantage by ICICI Lombard
Our verdict
If you are looking for a reliable health insurance plan that allows you personalisation for wholesome coverage, then head to Paybima to explore plans.

ICICI Lombard
Insurance Company
ICICI Lombard Health Insurance Company Ltd is a leading private general insurance company that offers a range of comprehensive and well-diversified products through multiple channels of distribution. This customer-centric company has a legacy of over 2 decades and is committed to its loyal customers. ICICI Lombard has over 312 branches with over 13,670 employees as of March 31, 2024. The insurer has issued over 36.2 million policies, honored over 2.9 million claims, and has a Gross Written Premium (GWP) of ₹255.94 billion for the year ended March 31, 2024.

Claims Experience
Reflects on the speed of settling valid claims
% customers unhappy with claims experience
What % of the claims received were paid?
Benefits of Health Advantage by ICICI Lombard
In-patient Hospitalization | |
ICU Rent Limit |
Up to single private AC room |
Room Rent Limit |
Covered |
Pre & Post Hospitalization | |
Post-hospitalization expenses are covered |
Up to the Sum Insured |
Post-hospitalization expenses are covered for up to |
180 days after the date of discharge |
Pre-hospitalization expenses covered |
Up to the Sum Insured |
Pre-hospitalization expenses covered up to |
90 days before hospitalization |
Day Care Treatment | |
Financial Limit |
Up to sum insured |
No. of treatments covered |
Basic and modern treatments |

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Ask Anything as We Have Answers to Everything in Insurance
Any individual between the ages of 18 years to 65 years can explore the plan as it offers comprehensive coverage, loyalty benefits and exciting value-added benefits that take care of all the medical needs of the insured.
No, base coverages and riders are not the same. Base coverages are inbuilt coverages that a policy offers to the insured, whereas riders are optional benefits that the insured can add to the existing policy in exchange for an additional premium.
Yes, you can switch your existing policy to ICICI Lombard. To make the switch, you need to apply along with a portability form and existing policy documents at least 45 days before your existing policy lapses.