Insurance Company
ICICI LOMBARD General Insurance
Policy Name
Health AdtvantEdge
Expert Overview -
ICICI Lombard was established in 2001 and is among India’s most experienced private general insurers. Its long operating history has helped it build a robust health insurance business with consistent service standards.
Plan Strategy -
Comprehensive health insurance policy offering enhanced medical coverage and comprehensive benefits for complete healthcare needs including extended post-hospitalization coverage
Network Hospitals
10,500+
>8,500 recommended
Claim Ratio
84.28%
>95% recommended
Complaints
11.649
<20 recommended
Policy Features
Policy Analysis Detail
Inbuilt Value
Strategic Verdict
Co-payment
If yes, you will have to pay part of bill
No co-payment
No Co-payment
Room Rent Limit
If higher-category room, you pay part of the bill
No room rent capping
No room rent capping
Disease sub-limit
Leads to some disease not getting covered fully
No sub limit applicable
No sub-limit
No Claim Bonus
Bonus you receive every year on renewal
20% cumulative bonus up to 100%
50% each year (Minimum upto 100%)
Restoration Benefit
Even after claim, base cover gets restored
100% restoration once in a policy year
100% restoration once in a year
Pre-Hospitalization
Days covered before hospitalization
60 days
At least 60 days
Post-Hospitalization
Days covered after hospitalization
180 day
At least 120 days
Consumables
Coverage for non-medical consumable items
Non-medical consumables excluded
Consumables covered
Based on IRDAI Public Disclosures (2025-26)
Enhanced Coverage
Key Add Ons Available
Claim ProtectorCovers list of 68 non-medical items as per list I
Critical IllnessPaid out as a lump sum of 100% of sum insured for 20 listed Critical illnesses up to a limit of Rs. 50 lakhs for insured aged 18 to 50 years at the time of policy purchase.
Timing Constraints
Waiting Period Analysis
Initial Waiting Period
30 days
Specific Illness
2 years
Pre-Existing Disease
3 years
