Icici Lombard Health Advantedge Plus Plan
ICICI Lombard Health Insurance
9.2/10
OneAssure Rating
9.2/10
OneAssure Rating
Highlighted Features
Unlimited Room Rent
No cap on room rent for normal and ICU hospitalization, offering maximum flexibility in hospital room selection for sum insured ₹5 lakh or above.
Advanced Treatments Coverage
The policy includes Oral Chemotherapy, Robotic Surgeries, and Stem Cell Therapy, ensuring access to cutting-edge medical treatments for complex health conditions.
Policy Wording
Brochure
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Our Verdict
ICICI Lombard Health AdvantEdge offers comprehensive coverage with no room rent limits, unlimited restoration, and maternity benefits. Ideal for families and individuals seeking extensive protection, though optional add-ons may raise premiums.
About the Plan
The ICICI Lombard Health AdvantEdge Plan offers comprehensive coverage with no hospital room rent limit for policies with sums insured of ₹5 lakh or more. It includes unlimited restoration of the sum insured within the policy year, preventive health check-up benefits, and coverage for surrogate mothers and oocyte donors. The plan also provides optional coverage for maternity, critical illnesses, overseas medical expenses, and inflation. Discounts of up to 15% are available, along with coverage for pre-existing diseases after a 2-year waiting period. The Policy Tenure is provided for 1year, 2years,3years. Policyholders can receive a cumulative bonus of up to 100% if no claims are made during the previous policy year, starting with a 20% bonus.The plan provides two types of coverage : Individual , Family floater.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: No Limit
ICU: No Limit
If the sum insured health insurance policy is Rs.5 Lakh or above.
Advanced Treatments
Oral Chemotherapy
Robotic Surgeries
Stem Cell Therapy
Co-payment
Co payment is applicable as chosen by the insured.
It allows the insured to opt for 10% or 20% co-payment.
Waiting Periods
Initial Waiting period is 30 Days
Cashless Healthcare Providers
10,000+ Healthcare Providers across India
Day Care Treatments
Covered. Requires hospitalization of more than 24 Hours.
AYUSH Treatment
AYUSH is covered up to Sum Insured.
Exclusions
Injuries or diseases resulting from war, invasion, acts of foreign enemies, civil unrest, or similar events are excluded.
Illnesses or injuries due to nuclear, chemical, or biological attacks or weapons are not covered under the policy.
Expenses for prostheses, corrective devices, and external durable medical equipment like wheelchairs and crutches are excluded, unless necessitated by an accident.
Treatments such as acupressure, acupuncture, magnetic therapies, and other non-allopathic treatments are not covered by the policy.
Procedures aimed at enhancing appearance, including plastic surgery, unless medically necessary due to injury or illness, are excluded.
Any injury or condition resulting from intentional self-harm or attempted suicide is not covered.
Health issues arising from the misuse of drugs, alcohol, or other intoxicants are excluded from coverage.
Treatments administered by practitioners not recognized by the Medical Council of India or equivalent bodies are not covered.
Expenses related to fertility treatments, assisted conception, and related complications are excluded.
Treatment for obesity or weight control, including bariatric surgery, unless specified otherwise, is not covered.
Exclusions
Maternity and Newborn Cover - Provides financial support for maternity expenses and newborn care.
OPD Mental and Dental: - Covers outpatient consultations for mental health and dental treatments.
Domestic Air Ambulance - Offers coverage for air ambulance services within the country.
Zero Co-payment Option - Allows policyholders to opt out of co-payment requirements.
Claim Protector Benefit - Ensures full claim payout without deductions.
Befit Benefit - Provides access to wellness and preventive care services.
Sum Insured Protector - Adjusts the sum insured to keep pace with inflation.
Add-ons
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
ICICI Lombard is a leading private sector general insurance company in India, offering a comprehensive range of products, including health, motor, travel, and home insurance, through multiple distribution channels.
Their Elevate Health Policy is a customizable health insurance plan designed to provide extensive coverage for hospitalization and daycare treatments. Key features include unlimited reset of the sum insured, cashless approval within two hours, and a 30% discount on renewals for active living. Additionally, the plan offers a 100% increase in the sum insured every year and unlimited sum insured on any one claim during the policy lifetime, ensuring policyholders have access to necessary medical care without financial strain.
CEO and MD of ICICI Lombard general insurance company limited, Mr Sanjeev Mantri ensures that their vision and values align with providing a financial cushion to the policyholders during any health crisis.
About the Company
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