Why Comparing ICICI Lombard Health Plans Is Important

Health insurance is a critical part of financial planning in India, especially with rising healthcare costs and lifestyle-related illnesses. Choosing the right ICICI Lombard health insurance plan can offer not just peace of mind but also significant financial protection during medical emergencies. In 2025, ICICI Lombard continues to be one of the most trusted insurance providers, offering a wide portfolio tailored for individuals, families, and senior citizens.

This detailed comparison highlights the top 5 ICICI Lombard health insurance plans, focusing on their features, benefits, eligibility, and who they’re best suited for—whether you need maternity coverage, senior care, or protection against chronic diseases like diabetes and hypertension.

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1. ICICI Lombard Elevate Health Insurance Plan

Key Features:

• Coverage Type: Individual and Family Floater options

• Room Rent Limit: No restriction (private single A/C room allowed)

• Chronic Illnesses: Covered from Day 1

• Maternity Cover: Available after a 2-year waiting period

• Wellness Benefits: Includes preventive diagnostics, fitness tracking, and teleconsultation

Best For:

Working professionals and young families seeking high-end features, chronic disease management, and digital wellness integration.

 

2. ICICI Lombard Family Shield Policy

Key Features:

• Coverage Type: Family Floater

• Room Rent Limit: ₹5,000 per day

• Maternity Benefits: Basic cover after a specified waiting period

• Add-ons: Vision and dental care (optional)

• Hospital Network: Wide list of ICICI Lombard network hospitals for cashless treatment

Best For:

Families with dependent children who want cost-effective but sufficient health insurance coverage.

 

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3. ICICI Lombard Health Booster Plan

Key Features:

• Plan Type: Super Top-Up (ideal as a backup)

• Deductible Range: ₹3 lakh to ₹10 lakh

• Coverage: Kicks in after deductible; useful during major hospitalization

• Pre-existing Illnesses: Covered after 2 years

• Daycare Procedures: Included

Best For:

Individuals who already have employer health insurance or a base policy and want additional protection against high-value medical expenses.

 

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4. ICICI Lombard Golden Shield Plan

Key Features:

• Coverage Type: Designed for Senior Citizens (ages 55 to 80)

• Room Rent: Private rooms covered

• Pre-existing Disease Coverage: After 12 months

• Homecare & Daycare Services: Included

• Hospital Network: Extensive list of ICICI-approved hospitals for seniors

Best For:

Senior citizens or elderly parents seeking health insurance plans with diabetes and hypertension coverage, along with age-friendly benefits.

 

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5. ICICI Lombard Health Advantage Apex Plus

Key Features:

• OPD Expenses: Covered up to ₹5,000 per year

• Chronic Conditions: Diabetes and hypertension covered after 2 years

• Wellness & Teleconsultation: Included in the base plan

• Diagnostics: Regular health check-ups available

Best For:

Urban individuals managing lifestyle diseases who need frequent outpatient consultations, diagnostics, and wellness support.

 

ICICI Lombard Health Insurance Plans: Comparison Table

 

Plan Name	Room Rent	Maternity	Diabetes/Chronic Care	OPD Coverage	Best For
Elevate	No limit	Yes (after 2 years)	Yes	Yes	Professionals and small families
Family Shield	₹5,000/day	Basic coverage	No	Optional	Budget-conscious families
Health Booster	Based on base plan	No	Yes (after 2 years)	No	Extra backup with employer plan
Golden Shield	Private room	No	Yes (after 1 year)	Yes	Senior citizens
Health Advantage Apex Plus	Private room	No	Yes (after 2 years)	Yes	Lifestyle disease management

 

How to Choose the Best ICICI Lombard Health Insurance Plan

Selecting the right health insurance plan from ICICI Lombard depends on multiple factors:

• Your Age Group: Young professionals may prefer Elevate, while seniors should consider Golden Shield.

• Family Size: For joint or nuclear families, Family Shield offers a balanced option.

• Health History: If you have chronic illnesses like diabetes, look for plans like Apex Plus or Golden Shield.

• Existing Coverage: Use Health Booster to supplement your employer’s group health insurance policy.

• Need for OPD or Maternity: Evaluate OPD benefits in Apex Plus and maternity benefits in Elevate.

Important Considerations:

• Hospital Network: Check the ICICI health insurance hospital list to ensure your preferred hospital is covered.

• Waiting Periods: Always check the waiting period for maternity and pre-existing diseases.

• Add-ons: Look for OPD, critical illness, or wellness riders if needed.

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Final Thoughts

ICICI Lombard continues to deliver flexible, feature-rich health insurance plans in 2025. Whether you're a salaried individual, a parent, or a retiree, there's a plan tailored to your specific needs. By comparing the top plans—Elevate, Family Shield, Health Booster, Golden Shield, and Apex Plus—you can secure optimal coverage for yourself and your loved ones.