When it comes to health insurance, having a good base plan is important—but sometimes it’s the add-on covers that truly make your policy complete. The ICICI Lombard i Health Insurance Plan, available on Quickinsure, offers a wide range of add-on benefits that can be tailored to match the lifestyle, medical needs, and financial goals of different families and individuals.
At Quickinsure, we often advise customers to look beyond just the sum insured. Why? Because add-ons provide extra protection and financial support in areas that standard hospitalization coverage might not cover. In this article, we’ll explore the extensive add-on covers of ICICI Lombard i Health, how they work, and why they matter for smart policyholders.
Why Add-On Covers Matter
Before diving into specifics, let’s understand the role of an add-on:
Extra Protection: They safeguard against medical expenses not included in the base policy.
Customization: Policyholders can tailor coverage to fit their lifestyle or family health needs.
Value for Money: Often, the add-on cost is far less than buying a separate plan for those same benefits.
Peace of Mind: Knowing you are covered for situations like critical illness, donor expenses, or recovery periods provides financial and emotional relief.
The i Health Plan by ICICI Lombard has built its reputation on offering comprehensive add-ons that extend far beyond hospitalization, ensuring policyholders get maximum benefit.
Extensive Add-On Covers in ICICI Lombard i Health
1. Hospital Daily Cash Allowance
This benefit provides a fixed daily allowance for each day of hospitalization (beyond 3 days).
It helps cover incidental expenses like food, transport, or extra caregiving costs that are not covered under standard hospital bills.
For families, this small daily amount adds up and reduces the financial burden during long stays.
👉 Example: If you’re hospitalized for 10 days, you receive cash for 7 days (after the waiting period), which can ease out-of-pocket expenses.
2. Convalescence Benefit (Recovery Benefit)
Provides a lump sum payout if hospitalization exceeds 10 consecutive days.
This is especially useful for patients who lose income during recovery or need extra care at home after discharge.
👉 For working professionals or breadwinners, this benefit acts like a safety net, ensuring the family’s daily expenses aren’t disrupted.
3. Critical Illness Cover (Optional)
Covers treatment costs for serious conditions like cancer, heart attack, kidney failure, or stroke.
Offers lump sum compensation upon diagnosis of listed illnesses, irrespective of actual hospital bills.
Helps families manage the high costs of advanced treatments, medicines, or lifestyle adjustments post-diagnosis.
👉 This is one of the most crucial add-ons, as critical illness treatment can otherwise drain savings.
4. Donor Expenses Cover
Covers medical and surgical costs of an organ donor when the insured undergoes organ transplantation.
Many base policies don’t include donor costs, leaving the insured to bear those expenses separately.
👉 With i Health, families get relief from this additional financial stress.
5. Maternity and Newborn Baby Cover (Available in Extended Plans)
For families planning children, this add-on is highly valuable.
Covers delivery expenses, cesarean costs, and sometimes newborn baby hospitalization for the first few days.
Ensures maternity-related healthcare doesn’t put pressure on savings.
👉 Although not part of the basic i Health variant, it can be included in i Health Plus and other variants.
6. Outpatient & Wellness Services
Many illnesses don’t require hospitalization but still involve regular medical costs.
Add-on in i Health provides annual health check-ups, online consultations, diet plans, and preventive care.
Encourages policyholders to maintain good health and detect issues early.
👉 Families with elderly parents or children benefit greatly from routine check-ups covered under this option.
7. Reset Benefit
Automatically restores the sum insured up to 100% if it gets exhausted during the policy year.
Available for unrelated illnesses or accidents.
Especially useful for family floaters, where multiple members might need coverage in the same year.
👉 Example: If one family member uses the entire ₹5 lakh sum insured, the reset feature reinstates it so others are still covered.
8. Alternative Treatments (AYUSH Cover)
Covers treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy.
Expands healthcare options for families who prefer traditional medicine.
👉 For holistic health seekers, this add-on widens the scope of medical care under insurance.
Why Quickinsure Recommends I Health Add-On Covers
At Quickinsure, we carefully compare plans across insurers. The ICICI Lombard i Health Add-Ons stand out because:
Comprehensive Range: From hospitalization extras to wellness and critical illness coverage, they cover all scenarios.
Flexibility: Customers can choose add-ons based on family size, lifestyle, and health history.
Affordability: Add-ons cost less than separate specialized policies, making them cost-effective.
Convenience: Everything is bundled into one policy, simplifying claim management.
For example, instead of buying a separate critical illness policy, policyholders can simply add this benefit to I Health at a much lower premium.
Who Should Opt for Add-On Covers?
Young Families: Add maternity, newborn, and wellness covers to secure family health.
Working Professionals: Add convalescence and daily cash benefit for income protection during long hospitalizations.
Elderly Members: Add critical illness, AYUSH, and reset benefits for complete protection.
Frequent Travelers: Add-ons like emergency support and worldwide coverage make the plan suitable for global security.
FAQs on I Health Add-On Covers
Q1. Can I buy add-ons later, after the base policy purchase?
Yes, add-ons can usually be added during policy renewal or sometimes mid-term, depending on ICICI Lombard’s rules.
Q2. Do add-ons increase my premium significantly?
Add-ons come at an additional cost, but compared to separate plans, they are more economical.
Q3. Is critical illness covered in the base i Health plan?
No, it’s available as an optional add-on that provides lump sum coverage upon diagnosis.
Q4. Are add-ons available under both individual and floater policies?
Yes, most add-ons are available for both, but specific terms may vary.
Q5. Do maternity benefits have a waiting period?
Yes, maternity covers generally come with a 2–4 year waiting period, so early purchase is advisable.
Final Thoughts
The ICICI Lombard i Health Insurance Plan, with its wide range of add-on covers, offers flexibility that goes beyond hospitalization. Whether it’s critical illness protection, maternity coverage, donor expenses, or wellness services, these add-ons empower you to build a policy that truly fits your family’s needs.
At Quickinsure, we strongly recommend exploring these add-ons before finalizing your health insurance plan. With the right combination, you not only save money but also secure your family against unexpected financial shocks.
👉 If you’re looking for a policy that grows with your needs and offers comprehensive add-on flexibility, the ICICI Lombard i Health Plan via Quickinsure is one of the best options in the market today.
