ICICI Lombard Health Insurance
Get health coverage starting at ₹11/day with 0% GST and access to 11,000+ network hospitals. Flexible plans, add-ons, and cashless treatment make this a top choice.
ICICI Lombard Health Insurance stands out in 2024 with its remarkable 0% GST on premiums, making it an attractive, cost-effective health insurance solution for Indian residents. Starting at just ₹11/day, the policy promises affordability and value, with top-tier network hospital coverage, cashless hospitalisation nation-wide, and innovative digital support.
For those considering a policy, ICICI Lombard offers flexible sum insured options and several popular add-ons, such as worldwide cover, critical illness protection, and OPD care. The highlight is the zero GST policy—making your premiums significantly lower compared to previous years when GST was set at 18%.
How to Buy: Step by Step
- Visit the ICICI Lombard health insurance purchase page.
- Choose your preferred plan and enter details for the people to be insured.
- Select your sum insured and add-ons as desired.
- Review your final quote and fill in KYC information.
- Pay the premium (with 0% GST applied) for instant policy issuance.
Key Pros
The major advantage is direct savings through 0% GST, which effectively gives you a discount on standard premiums. The cashless treatment at over 11,000 hospitals and a straightforward digital claim process provides excellent convenience and security for policyholders.
The plan’s flexibility—allowing for customisation, super top-ups, and optional add-ons like critical illness protection—is valuable, especially for families seeking tailored coverage.
Considerations & Cons
This plan, being comprehensive, may require you to read all terms and optional add-ons carefully to avoid missing out on the best value. Waiting periods (for pre-existing conditions or new enhancements) still apply and can be up to 36 months depending on the add-on or benefit chosen.
Returning buyers upgrading their sum insured at renewal must pay attention to new waiting periods set on increased coverage. Not all optional add-ons are included in the base policy by default.
Verdict: Should You Buy?
ICICI Lombard’s latest health insurance offer is extremely compelling for Indian residents seeking reliable and affordable healthcare cover. The zero GST makes it uniquely attractive in 2024, and the vast hospital network, as well as value-added digital services and add-ons, are genuine standouts. If you prioritise a hassle-free claim process, comprehensive benefits, and transparent pricing, this plan is highly recommended.
