ICICI Lombard Complete Health Insurance Review 2026
Those who prioritize high claim settlement ratio and brand trust
Claim Settlement Ratio
98.74% (FY 2023-24)
Excellent track record of settling claims
Key Features
Coverage Details
Plan Details
| Min Coverage | ₹3 Lakh |
| Max Coverage | ₹1 Crore |
| Coverage Unit | sum insured in Rs |
| Claim Settlement Ratio | 98.74% (FY 2023-24) |
| Premium Starts From | Rs 5,000/year (for 25-year-old, Rs 5 lakh cover) |
| Network Hospitals | 9,000+ |
| Initial Waiting Period | 30 days initial waiting period |
| Pre-existing Wait | 48 months |
| Entry Age | 18 to 65 years |
| Renewal | Lifetime renewability |
Plan Options
Rating Breakdown
Pros & Cons
✓Pros
- ✔High claim settlement ratio of 98.74%
- ✔Covers pre and post hospitalization extensively
- ✔Good network of 9,000+ hospitals
- ✔Teleconsultation and wellness benefits
- ✔No co-payment for most plans
✗Cons
- ✘Room rent capping on base plans
- ✘Pre-existing disease waiting period of 48 months
- ✘Certain advanced treatments need add-on riders
What Is Covered (Inclusions)
- ✔In-patient hospitalization
- ✔Pre-hospitalization (30 days) and post-hospitalization (60 days)
- ✔Day care procedures
- ✔Ambulance cover
- ✔Organ donor expenses
- ✔AYUSH treatment
What Is Not Covered (Exclusions)
- ✘Cosmetic surgery
- ✘Pre-existing diseases (48-month waiting)
- ✘Dental treatment (unless due to accident)
- ✘War and nuclear risks
- ✘Experimental treatments
How to File a Claim
Inform the Insurer
Contact ICICI Lombard helpline or use the mobile app to intimate the claim within 24 to 48 hours of hospitalization.
Cashless or Reimbursement
For cashless, show your health card at a network hospital. For reimbursement, pay the hospital and collect all original bills and reports.
Submit Documents
Submit the claim form along with discharge summary, hospital bills, diagnostic reports, pharmacy bills, and your health card copy.
Claim Processing
ICICI Lombard reviews the documents and processes the claim. Cashless claims are usually settled at discharge. Reimbursement claims take 15 to 30 days.
Settlement
Approved claims are settled directly with the hospital (cashless) or transferred to your bank account (reimbursement). Any queries are communicated via email or phone.
