India's largest private sector general insurer since 2001 with 9,500+ cashless hospitals, AI-powered claims, and comprehensive health solutions for individuals and families.
ICICI Lombard General Insurance Company is a joint venture between ICICI Bank and Fairfax Financial Holdings (Canada). Established in 2001, it is India's largest private sector general insurance company by gross written premium. The company offers a comprehensive suite of products across health, motor, travel, home, and commercial insurance segments.
With a GWP exceeding ₹23,000 crore, ICICI Lombard is a technology leader in India's insurance industry — pioneering AI-based claims, telemedicine integration, and instant policy issuance. The company serves 3.6+ crore customers through 290+ offices, ICICI Bank branches, and digital channels.
ICICI Lombard's flagship health plan offering comprehensive coverage from ₹2 Lakh to ₹1 Crore with unlimited automatic restoration, booster benefit for no-claims, and coverage for modern treatments like robotic surgery, stem cell therapy, and gene therapy.
A super top-up plan designed to enhance your existing base health cover (corporate or individual). Activates after your base deductible is exhausted, providing additional ₹5-50 Lakh coverage at very affordable premiums.
A comprehensive health plan with unique features like unlimited teleconsultations, preventive health check-ups, and coverage for modern treatments. Includes a dedicated health manager for personalized care coordination.
A premium health plan designed for comprehensive coverage including unlimited sum insured restoration, worldwide emergency coverage, organ donor expenses, and coverage across 17 modern treatments including bariatric surgery.
ICICI Lombard pioneered AI in Indian insurance — instant claim assessment, automated document verification, and predictive fraud detection enable faster and fairer claims settlement across all policies.
Among the first to cover 17 modern treatments mandated by IRDAI including robotic surgery, stem cell therapy, gene therapy, immunotherapy, and balloon sinuplasty at no extra premium.
Free unlimited teleconsultations with specialist doctors through partner apps. Virtual health assessments, e-prescriptions, and digital health records integrated into the insurance experience.
No-claim bonus that increases sum insured by 50% every claim-free year (up to 100%). Even after a claim, accumulated bonus reduces by only 50% — protecting years of bonus accumulation.
Cashless facility at major hospitals across India including Apollo, Fortis, Max, Narayana Health, and Manipal. 24/7 cashless pre-auth team ensuring quick approvals within 30 minutes.
IL Take Care app provides fitness tracking, diet plans, doctor consultations, and wellness rewards. Healthy behavior translates to renewal premium discounts up to 10% annually.
Intimate claim via IL Take Care app, website, WhatsApp, or call 1800-266-9725. For cashless: present ID at network hospital and request pre-authorization.
Hospital sends pre-auth digitally. ICICI Lombard's AI system processes within 30 minutes for planned admissions. Emergency cases: 60 minutes maximum.
Receive treatment cashlessly. Hospital bills ICICI Lombard directly. Patient pays only non-covered consumables and co-pay (if any) at discharge.
Cashless settled directly. Reimbursement: submit bills within 15 days via app (photo upload). AI-verified claims paid within 5-7 working days via NEFT.
Complete Health Insurance (₹10-25L floater) is ideal for families — it covers all members, includes unlimited restoration, modern treatments, and booster benefit. For budget plans, Health Booster super top-up at ₹5,000/year adds ₹10-20L over existing cover.
Yes, ICICI Lombard covers 17 modern treatments including robotic surgery, stem cell therapy, gene therapy, immunotherapy, oral chemotherapy, and balloon sinuplasty — all at no additional premium in Complete Health and Elevate plans.
Health Booster activates after your base health cover (corporate/individual) is exhausted. Choose a deductible matching your base cover, and Health Booster covers expenses above that limit up to ₹5-50 Lakh. Premiums are very affordable (₹2,000-8,000/year).
Complete Health Insurance has zero co-pay for ages below 60. For 60+ members, a 10-20% co-pay may apply depending on variant. Health Booster has no co-pay. Always check plan-specific terms before purchase.
Yes, IL Take Care plans offer unlimited free teleconsultations with specialists via partner apps. You can consult doctors online for minor ailments, get e-prescriptions, and access digital health records — all at no extra cost.