Introduction to ICICI Lombard Health AdvantEdge

ICICI Lombard Health AdvantEdge is a health insurance policy offered by ICICI Lombard Health Insurance Company Limited. A health insurance plan promises to pay for hospitalization-related expenses. It acts as a protective shield for savings and healthcare, so you and your family can live a happy, fulfilling life. ICICI Lombard's Health AdvantEdge Plan is a robust, comprehensive, and affordable health insurance plan that provides highly flexible coverage and a variety of features, benefits, and add-ons to meet your and your family’s unique medical needs.

Pros & Cons: ICICI Lombard Health AdvantEdge

Much cheaper than other products in the market
No restrictions on the type of hospital room you choose
Covers expenses associated with pregnancy
Covers outpatient department costs, such as medications, tests, consultations, etc.
Covers non-medical expenses or the cost of consumables such as gloves, oxygen masks, nebulization kits, etc.
Covers Bariatric surgery for weight loss
Option to automatically increase the cover amount based on previous year's inflation
Received fewer complaints during policy purchase compared to other insurers
Received fewer complaints on claim settlement compared to other insurers
Our study observed their responses on Twitter to be relatively quicker than other insurers

Monthly premium payment mode not available

Special Conditions: ICICI Lombard Health AdvantEdge

01 Under Domiciliary Treatment Cover, the costs of qualified nurses hired on the attending medical practitioner's recommendation are covered

02 Under Organ Donor Cover, expenses for treating complications in a donor's surgery are covered

03 Under Organ Donor Cover, screening expenses of the organ donor are covered

Detailed Product Specs: ICICI Lombard Health AdvantEdge

Claims Experience advisor

Customer Service advisor

Product Benefits(10L Sum Insured) advisor

Limits and Exclusions advisor

% of claims settled in less than 30 days

Reflects on the speed of settling valid claims

97.65%

% of Complaints received on overall claims

% customers unhappy with claims experience

0.09%

Claims Incurred Ratio

101.63%

Claim Settlement Ratio (No. of claims)

What % of the claims received were paid?

80.43%

No. of Cashless Hospitals

6,700+

The health insurance data was last updated in January 2023. All data has been sourced from product brochures, policy wordings, prospectus, public disclosures (FY 2021-2022), insurer websites, and the IRDAI website.
Only plans that are currently available for purchase online have been considered.
For now, we have considered the most comprehensive plans from leading insurance companies. We will keep updating the Decoder Pages with new plans in the coming days.
The affordability of the plans is assessed using premiums for a family of two adults and one child. And, the premiums are as of 31st December 2022.
The product benefits section is based on a sum insured of ₹10 Lakhs and only highlights the top benefits and features of the plans. We will keep updating the Decoder Pages with new benefits and features periodically.
Only those hidden and special conditions that apply to the benefits and features we have considered are included in the Decoder Pages.
The Decoder Pages only include the most significant specific exclusions under each plan.
The Decoder Pages do not include any generic terms, conditions, or exclusions (those that are the same and apply to all health insurance plans).
The response time on Twitter (Beta) was calculated using a sample set of tweets from April, May, and June 2022 (analyzed in August, September, and October 2022).
The claims experience data has been sourced from insurance company websites and public disclosures as of March 31, 2022.

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ICICI Lombard Health AdvantEdge

Introduction to ICICI Lombard Health AdvantEdge

Pros & Cons: ICICI Lombard Health AdvantEdge

Specific Exclusions: ICICI Lombard Health AdvantEdge

Special Conditions: ICICI Lombard Health AdvantEdge

About ICICI Lombard General Insurance Company Limited

Detailed Product Specs: ICICI Lombard Health AdvantEdge