ICICI Lombard General Insurance Company Limited
Registered Indian general insurer listed in IRDAI's public registered-entity records. Many general insurers offer motor and other non-life products; this platform does not show pricing.
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Founded in 2001 as a joint venture between ICICI Bank and Canada's Fairfax Financial Holdings. Fairfax fully exited by selling its remaining stake in 2019.
India's largest private-sector general insurer. (as of company profile)
CSR = % of claims actually paid out of total claims filed. Higher is better for policyholders.
Source: IRDAI Annual Report ↗| Year | CSR % | Solvency | ICR | Complaints |
|---|---|---|---|---|
| FY 2019-20 | 69.9% | 217% | 72.86% | — |
| FY 2020-21 | 78% | 290% | 68.61% | — |
| FY 2021-22 | 91.67% | 246% | 75.06% | — |
| FY 2022-23 | 77.33% | 251% | 72.36% | — |
| FY 2023-24 | 78.85% | 262% | 70.79% | — |
CSR over the years (IRDAI data)
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ICICI Lombard General — Plans
13 plans · Key details from official policy documents.
| Plan Name | Type | Sum Insured | Min Age | Max Age | Renewal | Room Rent | Co-pay | PED Waiting | Initial WP | Maternity WP | Restoration | OPD | Key Features |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Health AdvantEdge - Royal Plus Plan▼Compare this plan → | Health Insurance | Rs.5L / 7.5L / 10L / 15L / 20L / 25L / 50L / 75L / 1Cr / 2Cr / 3Cr | — | — | — | — | No co-pay | No wait | 30 days | 24 months | ✅ Unlimited | — | ✓✓✓💳 |
Health AdvantEdge - Apex Plus Plan▼Compare this plan → | Health Insurance | Rs.5L / 7.5L / 10L / 15L / 20L / 25L / 50L / 75L / 1Cr / 2Cr / 3Cr | — | — | — | — | No co-pay | 24 months | 30 days | 24 months | ✅ Unlimited | — | ✓✓✓💳 |
Complete Health Insurance - Health Elite Plus▼Compare this plan → | Health Insurance | Rs.5L / 7.5L / 10L / 15L / 20L / 25L / 50L / 75L / 100L | 6 years | No limit | — | — | No co-pay | 24 months | 30 days (Excl03) | N/A -- not offered on this variant | ✅ Unlimited | ✗ | ✓✓✓✓✓ |
Complete Health Insurance - Health Shield Plus▼Compare this plan → | Health Insurance | Rs.3L / 4L / 5L / 7.5L / 10L / 15L / 20L / 25L / 50L / 75L / 100L | 6 years | No limit | — | — | No co-pay | 24 months | 30 days (Excl03) | N/A -- not offered on this variant | ✅ Unlimited | ✗ | ✓✓✓✓✓ |
Complete Health Insurance - Health Elite▼Compare this plan → | Health Insurance | Rs.2L / 3L / 4L / 5L / 7L / 10L / 15L / 20L / 25L / 30L / 50L | 6 years | No limit | — | — | No co-pay | 24 months | 30 days (Excl03) | 36 months (3 years) | ✅ Unlimited | ✗ | ✓✓✓✓✓ |
Complete Health Insurance - Health Shield▼Compare this plan → | Health Insurance | Rs.2L / 3L / 4L / 5L / 7L / 10L / 15L / 20L / 25L / 30L / 50L | 6 years | No limit | — | — | No co-pay | 24 months | 30 days (Excl03) | N/A -- not offered on this variant | ✅ Unlimited | ✗ | ✓✓✓✓✓ |
Elevate▼Compare this plan → | Health Insurance | Rs.5L / 7.5L / 10L / 15L / 20L / 25L / 50L / 1Cr / 3Cr | 18 years | No limit | — | — | No co-pay | 1 month | 30 days | 24 months (reducible to 12 months via a separate optional cover, opted alongside Maternity Benefit only) | ✅ Unlimited | — | ✓✓ |
MaxProtect Premium▼Compare this plan → | Health Insurance | ₹1 Cr | — | — | — | — | No co-pay | 24 months | Not separately stated -- governed by Excl01/Excl02 below | — | ✅ Unlimited | ✗ | ✓✓✓✓ |
MaxProtect Classic▼Compare this plan → | Health Insurance | ₹1 Cr | — | — | — | — | No co-pay | 24 months | Not separately stated -- governed by Excl01/Excl02 below | — | ✅ Unlimited | ✗ | ✓✓✓✓ |
Health Shield 360 Retail▼Compare this plan → | Health Insurance | ₹3L, ₹3 Cr | 6 years | No limit | — | — | No co-pay | 24 months | 30 days (Excl03), waived if continuously covered >12 months | 24 or 36 months, depending on plan tier opted -- not resolvable from available documents (same plan-tier-deferral issue as PED wait) | ✅ Unlimited | — | ✓✓✓✓ |
Golden Shield▼Compare this plan → | Senior Citizen | ₹5L, ₹50L | 56 years | No limit | — | — | No co-pay | 24 months | 30 days (Excl03) -- waived if continuously covered for more than 12 months | — | — | — | ✓✓✓✓✓+5 |
Health Care Plus▼Compare this plan → | Health Insurance | ₹5L, ₹8L, ₹10L | 18 years | No limit | — | — | No co-pay | 36 months | 30 days (Excl03) -- waived if continuously covered for more than 12 months; not applicable to accident claims | — | ✓ | — | ✓✓✓✓✓+3 |
Family Shield▼Compare this plan → | Family Floater | Schedule-driven for every individual benefit -- no fixed public tier list exists in the brochure, prospectus, or policy wording; actual amounts live in a separate "Annexure 6 Rate Chart - Family Shield" document not available in our source set | 3 months | — | — | — | No co-pay | 24 months | — | — | — | ✗ | ✓✓✓✓✓+4 |
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How to reach or escalate
Customer Support
ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhivinayak Temple, Prabhadevi, Mumbai – 400025
Senior Citizens & IRDAI
IRDAI Bima Bharosa Portal
For unresolved complaints — approach IRDAI directly. Free & confidential.
bimabharosa.irdai.gov.in ↗