ICICI Health Insurance Plans for Family in India

Quick Overview

ICICI health insurance plans for family offer comprehensive medical cover for self, spouse, children, and dependent parents under a single policy. They include cashless treatment across a wide hospital network, coverage for hospitalization, day care procedures, and pre- and post-hospitalization expenses.

With a 3-year average of 10.67 complaints per 10,000 claims, ICICI receives far fewer complaints than most peers. This suggests relatively better customer experience in claims handling and service quality. The insurer offers plans like Elevate and Health AdvantEdge that help families customize protection based on their healthcare needs and budget.

ICICI Lombard Health Insurance, incorporated in 2000 and operational since 2001, is one of India’s leading general insurers offering health, motor, travel, and home insurance. The insurer is backed by ICICI, one of India’s largest private sector banks.

This guide explains ICICI Lombard’s health insurance plans, key features, benefits, and who they are best suited for, so you can decide if they match your healthcare needs.

ICICI Lombard Performance Metrics

Metrics/Values	FY 22-23	FY 23-24	FY 24-25	Avg of FY 22-25	Industry Average
Claim Settlement Ratio (CSR)	85.02%	84.83%	83.65%	84.50%	91.22%
Incurred Claims Ratio (ICR)	77.33%	78.85%	82.24%	79.47%	81.83%
Annual Business Volumes/GWP (in Crores) (Total Health)	₹5,592	₹7,117	₹7,673	₹6,794	₹3,721
Volume of Complaints per 10,000 claims (Insurer Overall)	7.50	10.53	13.98	10.67	31.09

Insights for ICICI Lombard’s Performance Metrics

There has been a year-on-year decrease in CSR, and it is below Ditto's recommended benchmark of 90%+. With a 3-year average CSR of 84.50% is, compared against the industry average of 91.22%, this insurer settles fewer claims than most competitors.
The ICR has moved up each year, which indicates higher claim payouts as business and utilization grow. The ICR figures are between Ditto’s recommended range of 50% to 80%. With a 3-year average ICR of 79.47% versus the industry average of 81.83%, this insurer pays out slightly less in claims compared to peers.
With a 3-year average GWP of ₹6,794 crore compared to the industry average of ₹3,721 crore, this insurer is much larger than most players in the health segment. This indicates strong market presence, a wider customer base, and better bargaining power with hospitals.

ICICI Health Insurance Plans for Family

Plan	Feature	Add-ons	Best Suits
Elevate	The reset benefit, which allows policyholders to restore their sum insured repeatedly within the same policy year, and you can opt for wellness discounts of up to 30%.	You can opt for a reduction in pre-existing diseases (PED) and Jumpstart options to reduce waiting periods. Other add-ons available are inflation protector and power booster (higher bonus).	Young couples, those planning kids, families with benign PEDs.
Health Advant Edge (Apex Plus)	The plan offers wellness rewards, free health check-ups and global hospitalization as in-built features. You can add maternity, newborn and child vaccination when needed.	You can choose from the sum insured protector,claim protector andcritical illness and outpatient department (OPD) cover.	Families looking for a short PED wait & strong in-built benefits.
Max Protect (Premium)	The policy includes global healthcare access, air ambulance services, and a claim protector feature. The plan has an unlimited cover amount option to ensure robust financial protection.	You can opt for a reduction in PED, which reduces the waiting period to 2 years.	Frequent travellers and those seeking high financial security, like high-net individuals.

Did You Know?

ICICI Elevate’s standout add-ons focus on recovery and family support.

It offers a Convalescence Benefit with a lump sum if hospitalization exceeds 10 continuous days.
The Compassionate Visit benefit pays for an economy-class air ticket for an immediate family member if hospitalization goes beyond 5 days.
Dependent Accommodation provides a fixed payout for a dependent’s stay when hospitalization lasts at least 3 days.

Besides the above-listed plans, download the ICICI health insurance plans for family pdf to learn about the other plans offered by ICICI Lombard.

ICICI Lombard Plans

ICICI Lombard Plans.pdf

205 KB

Benefits of ICICI Family Health Insurance Plans

Broad Coverage for All Family Members: ICICI family floater plans cover all dependent family members under one policy.
Cashless Hospital Network: With access to over 10,200 partner hospitals across India, you can opt for cashless treatment during emergencies or planned admissions.
No Claim Bonus and Renewability Benefits: In plans like ICICI Elevate and Health Advantage, your sum insured gets automatically restored after a claim, so you continue to have full coverage again without paying anything extra. Lifelong renewability ensures you stay protected even as healthcare needs grow with age.
Customizable Add-Ons and Riders: Add-ons like reduction in PED waiting period, room rent upgrade, OPD cover or power booster let you tailor the plan based on your family’s health needs and budget.

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Eligibility Criteria for ICICI Health Insurance for Family

Aspect	Criteria
Entry Age	Minimum is 18, and maximum is 65 years (Elevate has no limit on max entry age)
Entry Age for Kids	Minimum is 91 days (newborn covered from day 1 under maternity/newborn cover), and maximum is 25 years
Exit Age	None for adults and 26 years for children (after which they are offered their own policy with all benefits carried forward)
Policy Tenure	1/2/3/4/5 years (ICICI Elevate) while 1/2/3 years (other plans)
Coverage Options	Individual and family floater (2 adults and 3 kids)
Relationships allowed in family floater plans	Grandfather, Grandmother, Father-in-law, Mother-in-law, Father, Mother, Spouse, Son, Daughter, Son-in-law, Daughter-in-law, Grandson, Granddaughter, Brother, Sister, Sister-in-law, Brother-in-law

Note: The relationships mentioned may vary from plan to plan. You must check policy wordings and confirm with the insurer directly as to what's actually allowed.

Key Features of ICICI Family Health Insurance

1. ICICI Lombard Elevate

Sum Insured: ₹5 lakh to unlimited.
Pre- and Post Hospitalization: 90 days pre-hospitalization and 180 days post- hospitalization coverage(for admissible inpatient or day care claims).
Loyalty Bonus: 20% each year, up to 100%, and it is not reduced even if you make a claim.

2) ICICI Lombard Health AdvantEdge (Apex Plus Plan)

Sum Insured Options: ₹5 lakh to ₹3 crore (multiple slabs).
Pre- and Post Hospitalization: The policy offers 60 days pre-hospitalization and 180 days post-hospitalization coverage.
Reset Benefit: Unlimited times for any illness, but only once if the sum insured is ₹5 lakh or ₹7.5 lakh.
Loyalty Bonus: 20% of SI up to 100%, with no reduction in case of claim.

3) ICICI Lombard MaxProtect (Premium)

Sum Insured: High SI plan with options from ₹1 crore to unlimited.
Reset Benefit: Resets up to 100% of the annual sum insured, unlimited times in a policy year (subject to conditions).
Guaranteed Cumulative Bonus (GCB): 20% per claim-free year up to 100%, and not reduced even if you claim.
Pre- and Post Hospitalization: 60 days pre-hospitalization and 180 days post-hospitalization expenses are covered.

ICICI Elevate Premiums Across Profiles

Sum Insured/ Profile	Couple (Age 30 and 32)	Couple and Child (Age - 30, 32, and 5)	Couple and 2 Children (Age - 38, 35, 10, and 5)	Senior Citizen Couple (Age - 63 and 61)
₹15 lakhs	₹18,584	₹24,101	₹31,860	₹73,559
₹25 lakhs	₹20,994	₹27,261	₹36,089	₹83,762

Why Approach Ditto for Health Insurance?

At Ditto, we’ve assisted over 8,00,000 customers with choosing the right insurance policy. Why customers like Pallavi below love us:

ICICI Health Insurance Plans for Family in India

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Ditto’s Take on ICICI Health Insurance Plans for Family

ICICI Lombard Health Insurance provides wide coverage and useful features. While its finances and complaint levels look stable, its claim settlement ratio is still lower than that of some leading insurers. We expect improvements in claims handling and customer trust, and will continue to track its performance in future reviews.

You can also explore our comprehensive health insurance plans for 2026 to compare options and choose what suits you best. Learn more about how we evaluate health plans through Ditto’s Cut.

Disclaimer: ICICI Lombard is our partner. Currently, ICICI health plans are not part of our primary recommendation due to the low CSR numbers, and we want them to be at least about our benchmark of 90%+. All information in this article is based on publicly available sources and ICICI’s official website. You must speak to a licensed advisor before making any insurance decisions.

Frequently Asked Questions

What are ICICI bank health insurance plans for family?

ICICI Bank acts as a corporate agent, while the health plans offered may not necessarily be from ICICI Lombard. ICICI Lombard health plans provide benefits like optional add-ons (maternity, OPD, critical illness), and long-term renewability, depending on the chosen plan.

How can I locate the nearest network hospital under ICICI Lombard Health Insurance?

You can easily find a nearby network hospital by using the network locator on the ICICI Lombard Health Insurance website or mobile app.

How can I contact ICICI Lombard?

As a policyholder, you can contact them at 1800-2666 or drop a WhatsApp text at 7738282666.

How can I locate an ICICI Lombard branch?

You can reach out to the nearest ICICI Lombard branch via their branch locator for offline assistance.

Should I include parents, my spouse, and kids in a single family floater?

It is generally not recommended to include parents in the same family floater as your spouse and kids. While it simplifies administration, combining them usually causes premiums to spike based on the parents' higher age and reduces the total sum insured available for your immediate family.

Last updated on: 15 Feb, 2026