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What is a health insurance policy?

A health insurance policy covers medical expenses for illnesses or injuries. A reliable health insurance plan protects you from sudden medical expenses. It reimburses your bills or pays the medical care provider directly on your behalf. A comprehensive medical insurance covers the cost of hospitalisation, daycare procedures, medical care at home (domiciliary hospitalisation), ambulance charges, amongst others.

A health insurance plan helps you stay covered against various diseases. Additionally, it helps you boost tax savings. Under section 80D of the Income Tax Act, 1961, you can claim tax benefits against your health insurance premium.

What are the benefits of a health insurance policy?

A comprehensive health insurance plan in India comes with many advantages.

Covers pre and post hospitalisation

One of the key benefits of a health insurance policy is that it covers your medical expenses incurred just before and after hospitalisation.

Lets you claim tax benefit

You can claim a tax benefit on health insurance premium under section 80D of the Income Tax Act, 1961.

Covers pre-existing diseases

A health plan covers you for a pre-existing disease once you have completed the waiting period mentioned in the policy certificate.

Covers ambulance expenses

Comprehensive health insurance also pays for your ambulance expenses during a medical emergency.

Provides cashless treatment

At the time of hospitalisation, you don’t have to worry about arranging cash to pay your hospital bill. Your health insurance company will settle it directly with the hospital if it is in their network.

Provides additional sum insured

Keeping healthy has its own benefits. You can enjoy additional sum insured for every claim-free year as per the policy certificate of your health plan.

What are the different types of MyonelifeX health insurance policies?

We offer reliable health insurance plans that take complete care of your medical expenses.

Complete Health Insurance

MyOneLifeX Complete Health Insurance policy provides you with extensive coverage during a medical emergency. The medical policy gives you access to a wide range of cashless hospitals nationwide.

Health Booster

Health Booster policy makes your health insurance more potent. It is a super top-up plan that acts as a backup in case your base plan gets exhausted. You can also purchase a Health Booster plan with ICICI Lombard without having a base plan.

Arogya Sanjeevani Policy

Arogya Sanjeevani Policy, ICICI Lombard is a health plan that takes care of your basic healthcare needs. It comes at an affordable premium with flexible sum insured options starting from ₹1 lakh.

What are the top reasons to buy MyonelifeX health insurance plans?

We offer all that you require! Choose as per your needs.

How to pick a suitable health insurance plan from MyonelifeX?

Go for the health insurance plan that suits your needs the best!

Sum insured

It is the maximum amount that you can claim in a policy year for hospitalisation. If you are looking for a policy with a lesser coverage (under ₹5 lakh sum insured), you may opt for Arogya Sanjeevani Policy, ICICI Lombard. But, if you need an extensive coverage (above ₹5 lakh sum insured), you should go for ICICI Lombard Complete Health Insurance, our comprehensive health insurance policy. In case you already have a group health insurance and need a super top-up plan, then you can buy our Health Booster policy.

Additional sum insured

It is the bonus amount that is added to your sum insured for every claim-free year. While you can earn up to 10% additional sum insured with ICICI Lombard Complete Health Insurance and Health Booster policy, you can earn up to 5% with Arogya Sanjeevani Policy, ICICI Lombard. The maximum cumulative bonus that can be earned across our health insurance plans is 50%.


You can purchase our add-ons at an additional premium. If you wish to customise your health plan with our add-ons that cover maternity, donor and OPD expenses, then you can consider ICICI Lombard Complete Health Insurance policy. We also let you customise our Health Booster policy with add-ons like critical illness cover, personal accident cover, hospital daily cash, etc.

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