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ICICI Lombard · ICIHLIP27056V062627

ICICI Lombard Health AdvantEdge

ICICI Lombard Health AdvantEdge (IRDAI UIN ICIHLIP27056V062627) is an individual and family floater health insurance plan with sum insured from 3 lakh to 3 crore (16 options). Pre-existing diseases are covered after 2 years.

Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.

In short

ICICI Lombard Health AdvantEdge is a health insurance plan from ICICI Lombard. Key specifications: plan type Individual and family floater, room rent 1% of Annual Sum Insured for SI up to Rs 4 lakh; no room rent capping for SI of Rs 5 lakh and above, pre-existing disease waiting 24 months. Among health insurance here it fits best for longer pre- and post-hospital cover.

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Plan type
Individual and family floater
Room rent
1% of Annual Sum Insured for SI up to Rs 4 lakh; no room rent capping for SI of Rs 5 lakh and above
Pre-existing disease waiting
24 months

Pros

  • Pre-existing diseases covered after 2 years, sooner than 82% of the 50 health insurance plans on Comparezi that state it
  • No co-payment unless you choose one for a lower premium
  • No room-rent cap

Who should buy it

  • Best for Longer pre- and post-hospital cover · What matters most? (pick any) #10 of 53 health insurance for this

Full specifications

Cover

Plan type Individual and family floater
Sum insured options 3 lakh, 4 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 40 lakh, 50 lakh, 75 lakh, 1 crore, 150 lakh, 2 crore, 3 crore
Highest sum insured 300 lakh
Entry age 91 days (floater only); 6 years for individual to 65 years
Room rent 1% of Annual Sum Insured for SI up to Rs 4 lakh; no room rent capping for SI of Rs 5 lakh and above
Co-payment None (optional 10% or 20% voluntary co-payment)

Waiting periods

Initial waiting period 30 days
Pre-existing disease waiting 24 months
Specific illness waiting 24 months

Benefits

Pre-hospitalisation 60 days
Post-hospitalisation 180 days
Day-care treatment Yes
AYUSH treatment Yes
Restore benefit Reset Benefit: up to 100% of Annual Sum Insured; once for SI below Rs 10 lakh, unlimited times for SI Rs 10 lakh and above
No-claim bonus Loyalty bonus: 20% for each completed and renewed Policy Year up to a maximum of 100% of Annual Sum Insured, not reduced on claim
Maternity Optional cover: Benefit A up to 10% of SI max Rs 1 lakh; Benefit B up to Rs 10 lakh; 24-month waiting period
OPD Not covered in base (optional BeFit cover); animal-bite vaccination OPD up to Rs 10,000

Insurer

Health incurred claim ratio (insurer) 82.24%
Claims figures for FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer) 14,000+ (as of 30 Sep 2026)
IRDAI UIN ICIHLIP27056V062627

About the Health AdvantEdge

ICICI Lombard Health AdvantEdge (IRDAI UIN ICIHLIP27056V062627) is an individual and family floater health insurance plan with sum insured from 3 lakh to 3 crore (16 options). Pre-existing diseases are covered after 2 years. It is one of 53 health insurance plans on Comparezi, from ICICI Lombard.

Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.

Cover and limits

  • Plan type: Individual and family floater
  • Sum insured options: 3 lakh, 4 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 40 lakh, 50 lakh, 75 lakh, 1 crore, 150 lakh, 2 crore, 3 crore
  • Entry age: 91 days (floater only); 6 years for individual to 65 years
  • Room rent: 1% of Annual Sum Insured for SI up to Rs 4 lakh; no room rent capping for SI of Rs 5 lakh and above
  • Co-payment: None (optional 10% or 20% voluntary co-payment)

Waiting periods

  • Initial waiting period: 30 days
  • Pre-existing diseases: 2 years
  • Specific illnesses: 2 years

Benefits

  • Pre-hospitalisation: 60 days
  • Post-hospitalisation: 180 days
  • Day-care treatment: Covered
  • AYUSH treatment: Covered
  • Restore benefit: Reset Benefit: up to 100% of Annual Sum Insured; once for SI below Rs 10 lakh, unlimited times for SI Rs 10 lakh and above
  • No-claim bonus: Loyalty bonus: 20% for each completed and renewed Policy Year up to a maximum of 100% of Annual Sum Insured, not reduced on claim
  • Maternity: Optional cover: Benefit A up to 10% of SI max Rs 1 lakh; Benefit B up to Rs 10 lakh; 24-month waiting period
  • OPD: Not covered in base (optional BeFit cover); animal-bite vaccination OPD up to Rs 10,000

How it compares on Comparezi

Of the 50 health insurance plans on Comparezi with a stated pre-existing disease waiting period, 1 has a shorter one and 7 have the same. Of the 49 health insurance plans on Comparezi with a stated post-hospitalisation period, none has a longer one and 21 have the same.

Premium

It depends on your age, cover, city and options. ICICI Lombard does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.

About the insurer

ICICI Lombard's health incurred claim ratio was 82.24% in FY 2024-25 (IRDAI Annual Report; includes personal accident). An incurred claim ratio compares claims with premiums earned; it is not the share of claims paid. ICICI Lombard states a network of 14,000+ (as of 30 Sep 2026) hospitals.

Similar plans from other insurers

Other health insurance plans from ICICI Lombard

Sources

Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.

Alternatives

Alternatives to the Health AdvantEdge

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  • 36 months Pre-existing disease waiting
Sample premium ₹7,682 a year*

ManipalCigna

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  • Individual and family floater Plan type
  • Single Private AC Room; optional modification to Any room or Twin Sharing AC room Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Tata AIG

MediCare Premier

  • Individual and family floater Plan type
  • No room rent sub-limit stated (In-patient Treatment up to Sum Insured) Room rent
  • 24 months Pre-existing disease waiting
Premium depends on your profile

Similar cover

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ICICI Lombard

Elevate

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Head to head

Compare the Health AdvantEdge

Questions

Health AdvantEdge FAQs

It depends on your age, cover, city and options. ICICI Lombard does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.

ICIHLIP27056V062627. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

2 years, as stated by the insurer.

Room rent as stated by the insurer: 1% of Annual Sum Insured for SI up to Rs 4 lakh; no room rent capping for SI of Rs 5 lakh and above.

Co-payment as stated by the insurer: None (optional 10% or 20% voluntary co-payment).

Maternity as stated by the insurer: Optional cover: Benefit A up to 10% of SI max Rs 1 lakh; Benefit B up to Rs 10 lakh; 24-month waiting period.

60 days before and 180 days after hospitalisation.

3 lakh, 4 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 40 lakh, 50 lakh, 75 lakh, 1 crore, 150 lakh, 2 crore, 3 crore.

Data sources

  • Manufacturer official pages

Last updated

Product details

Disclosure

Links to insurers are not paid. Comparezi earns only from labelled ads, which never affect the Comparezi Score, the order of insurers, or the price shown, which is what the insurer listed when we checked.

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