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ICICI Lombard Complete Health Insurance (iHealth) logo

ICICI Lombard Complete Health Insurance (iHealth)

Introduction to ICICI Lombard Complete Health Insurance (iHealth)

ICICI Lombard Complete Health Insurance (Health Elite) is a health insurance policy offered by ICICI Lombard General Insurance Company Limited. A health insurance plan promises to pay for hospitalization expenses as well as expenses incurred before and after a hospitalization. ICICI Lombard’s Complete Health Insurance (Health Elite) Plan secures your finances against sudden medical expenses. It is a comprehensive policy that you can buy for yourself and your family. It offers comprehensive coverage and is designed to cater to your and your family’s common healthcare needs.

Verdict: ICICI Lombard Complete Health Insurance (iHealth)

This health insurance plan by ICICI is not only significantly cheaper than other products, but it also provides comprehensive coverage. In addition to covering hospitalization and related expenses, it covers a wide range of expenses, including maternity expenses and OPD expenses, such as medicines, tests, and consultations. This plan, however, does not allow you to pay your premiums on a monthly basis. And, according to our research, the insurer has received fewer claim settlement and policy purchase complaints. Meaning, you are very likely to get a smooth experience with them.

Pros & Cons: ICICI Lombard Complete Health Insurance (iHealth)

  • arrow Much cheaper than other products in the market
  • arrow No restrictions on the type of hospital room you choose
  • arrow Covers outpatient department costs, such as medications, tests, consultations, etc.
  • arrow Covers expenses associated with pregnancy
  • arrow Received fewer complaints during policy purchase compared to other insurers
  • arrow Received fewer complaints on claim settlement compared to other insurers
  • arrow Our study observed their responses on Twitter to be relatively quicker than other insurers
  • arrow Monthly premium payment mode not available

Specific Exclusions: ICICI Lombard Complete Health Insurance (iHealth)

01 Prosthesis or external equipments of any kind used for diagnosis or treatment, unless necessitated due to accident
02 Dental treatment except for treatment required due to an accident
03 Circumcision unless necessary for treating a disease or injury
04 Treatment related to external birth defects or anomalies
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About ICICI Lombard General Insurance Company Limited

ICICI Lombard General Insurance Company Limited logo

ICICI Lombard General Insurance Company Limited is a joint venture between ICICI Bank Limited and Fairfax Financial Holdings Limited. This private general insurance company offers a well-diversified range of insurance products such as motor insurance, health insurance, personal accident insurance, crop insurance, fire insurance, marine insurance, etc. It was founded in 2001 and is headquartered in Mumbai, Maharashtra. Mr. Bhargav Dasgupta is the company's CEO and MD.

Founded in
JV Partners
ICICI Bank Ltd and Fairfax Financial Holdings Ltd
Turnover (GWP)
3222.5 Crores
Number of Policies
Number of Claims

Detailed Product Specs: ICICI Lombard Complete Health Insurance (iHealth)

Claims Experience advisor
Customer Service advisor
Product Benefits advisor
Limits and Exclusions advisor
% of claims settled in less than 30 days
Reflects on the speed of settling valid claims
% of Complaints received on overall claims
% customers unhappy with claims experience
Claims Incurred Ratio
Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?
No. of Cashless Hospitals
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