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ICICI Lombard Health Insurance for Family : Check Features and Benefits
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ICICI Lombard Health Insurance for Family

There are numerous benefits of health insurance for your entire family. It is convenient to get a comprehensive health insurance policy for the entire family instead of paying individual amounts for every member. It will also save costs while extending coverage seamlessly throughout the year. In this context, opting for the ICICI Lombard Family Health Insurance plan is a good bet. ICICI Lombard health insurance comes with several features that you should know more about.

ICICI Lombard Health Insurance For Family Details

Claim Settlement Ratio 99.98%
COVID-19 Cover Available 
In-House Claim Settlement Yes
Network Hospitals 5,025+
Policies Sold 42,34,760 till date 
Renewability Lifelong Renewability Feature 


ICICI Lombard Family Health Insurance

The ICICI Mediclaim policy for family is one of the most popular plans available today. One of the most preferred ICICI family health insurance plans is Complete Health Insurance. This ICICI family health insurance plan ensures coverage not only for the primary individual but also the entire family. The ICICI health insurance for family ensures flexible terms and premium payments along with extensive coverage for treatment costs, several riders, and vast networks of partner hospitals for cashless treatments.

There are many optional add-ons that you can check out under ICICI health insurance plans for family members. These include convalescence benefits, hospital daily cash, maternity benefits, wellness and preventive treatments, coverage for newborns, coverage for critical illnesses, personal accident insurance, evacuation, donor expenditure, and so on. You should carefully check these covers under ICICI health insurance plans for family.

ICICI Lombard Family Health Insurance Plans Features

Here are some of the key features of the ICICI health insurance policy for family:

  • Extensive health insurance plans for family ICICI, covering all the members throughout the emergency and planned hospitalization.
  • Critical illness coverage (optional).
  • Add-ons like newborn and maternity coverage.
  • Senior citizen coverage under ICICI Lombard family health insurance.
  • Preventive healthcare treatment and wellness benefits.
  • Reset options up to 100% of the sum insured once in every year of the policy.
  • Value-added facilities like online consultations and chats.
  • No need for medical checkups prior to the policy for those below 46 years of age.
  • Sum insured up to Rs. 10 lakh.
  • Easy online ICICI family health insurance premium calculator for working out the payable amount every year.


Coverage Details

  • Room costs
  • Medical bills
  • Surgeon/Doctor charges
  • Pre-hospitalization costs up to 30 days
  • Post hospitalization costs up to 60 days
  • Daycare costs including radiation, chemotherapy, and dialysis among other procedures
  • Entire family health coverage in one policy and with payment of just one premium
  • Coverage for daily cash as the optional facility 
  • Free health checkups under the family floater policy with a maximum of two coupons each year
  • Coverage for air travel or compassionate travel as an optional add-on


Eligibility Factors

The minimum age should be 18 years and above for adults in the plan and children should be at least above 6 years of age. Under family floater health insurance plans, children should be more than 3 months old. There are no maximum age criteria. 

Exclusions under the policy 

The following are not included within the aegis of the policy: 

  • Costs related to diseases or injuries either indirectly or directly due to war or any act of a foreign enemy. 
  • Expenditure for self-inflicted injuries and suicide. 
  • Costs of medical treatments due to excessive consumption of drugs and alcohol. 
  • Any illness within 30 days of the start of the policy except those due to an accident. 
  • Expenditure for treating AIDS/HIV. 


Read the fine print carefully and note the exclusions before finalizing your policy. 

ICICI Lombard Family Health Insurance Plans


You can also calculate your premium and coverage online without any hassles. At the same time, make sure that you are aware of the finer details of the policy as well. Check the optional add-ons and covers and get the ones that you find necessary for your family. The policy should be in sync with your family’s needs and that is what you should always try to ensure. 

ICICI Lombard Family Health Insurance FAQs

How can I choose insurance policies online?

You can choose insurance policies online by comparing various policies and plans offered by different insurance companies on the basis of several parameters including the policy features, inclusions, exclusions, network hospitals, claim settlement ratio, and of course, the premium amount. You can readily compare on the basis of these parameters online and then take a final decision.

What is meant by the claim settlement ratio?

The claim settlement ratio is the percentage of claims settled by the insurance company from the total number of claims received by it in a year. The higher this ratio (expressed in the form of a percentage), the better your chances of swift and fast processing of claims. You should keep this parameter in mind while selecting health insurance plans.

What is the maximum amount insured under the ICICI Lombard family health insurance plan?

The maximum amount can go up to Rs. 10 lakh, depending on your requirements and the needs of your family members. The average sum insured amount is usually Rs. 5 lakh under the Health Booster and Complete Health Insurance policies.

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