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Reviewed by Finzony Finance TeamLast updated:
ICICI Lombard Vibe is a health plan built for adults aged 18 to 35, launched in September 2026 and run through the IL TakeCare app. It comes in five tiers: Rookie (₹7 lakh), BasicFit (₹10 lakh), Upgrade (₹15 lakh), Flex (₹25 lakh) and GOAT (₹50 lakh or ₹1 crore). Launch coverage also mentions a sixth Value variant. The hospital cover includes inpatient treatment, day care procedures, modern treatments, pre- and post-hospitalisation expenses, AYUSH hospitalisation and domestic road ambulance. What sets it apart is the everyday layer. Every claim-free month earns Aura Points (500 on Rookie, BasicFit and Upgrade, 750 on Flex and GOAT, with 1 point worth ₹1) that you can spend on OPD, diagnostics, pharmacy, dental, vision and sports activities. You also get a gym and fitness membership through GetFit, mental health counselling from day one, unlimited online doctor consultations, a ReVibe benefit that restores the sum insured after claims, and a Green Flag Bonus that grows your cover every year. Waiting periods are 30 days for any illness, 2 years for listed conditions and 3 years for pre-existing diseases. Maternity, Thrill Shield for adventure sports, Spouse Care, Smart Returns, Tenure Glow Up, Claim Protector and a few more covers are optional.
Gym access, mental health sessions and monthly reward points
Finzony reads Vibe as a hospital plan with a loyalty-and-wellness layer on top. The hospital cover is the usual indemnity structure, with the standard Indian waiting clocks of 30 days, 2 years for listed conditions and 3 years for pre-existing disease. The newer part is how it treats the months in which you do not claim. Aura Points are the clearest example. They are worth ₹500 or ₹750 a month, up to ₹9,000 a year, but only for claim-free months. They pause after a claim and restart at the next policy year, can be spent only on listed services such as OPD, tests, pharmacy, dental, vision and sports activities, and build up to a ceiling of 12,000 points. Think of them as a rebate for staying healthy, not as cover. Everyday OPD, dental and vision costs are not insured otherwise, so a young buyer who expects regular doctor visits should check how far the points stretch. The bonus features depend on the tier. Launch coverage quoting the brochure says ReVibe resets the sum insured without limit from BasicFit upward, and the Green Flag Bonus adds 20% a year on the lower tiers and 50% on Flex and GOAT. These figures are not yet on ICICI Lombard's product page, so treat them as reported until you see the wording. The room category also depends on the plan: twin sharing or a single private AC room, with a Room Modifier add-on to change it. Two limits matter. Entry is for adults aged 18 to 35, so Vibe suits single buyers and young couples more than established families. And it is a new product with no claims history yet, and the wording was not public when we checked. Read the schedule for pre- and post-hospitalisation days and the reset terms for your tier before you buy.
ICICI Lombard Health Insurance
Key Insights
Founded
2001
ICICI Lombard Health Insurance was established 25 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
86% CSR, calculated as a 3-year average
ICICI Lombard Health Insurance settles 86% of all claims it receives.
Network Hospitals
10,700+
ICICI Lombard Health Insurance has a network of 10,700+ hospitals, ensuring wide accessibility and convenience for policyholders.
Rookie gives ₹7 lakh, BasicFit ₹10 lakh, Upgrade ₹15 lakh, Flex ₹25 lakh and GOAT ₹50 lakh or ₹1 crore. The tier you choose also sets the Aura Points rate, the room category and the plan-based benefits.
Launch coverage also mentions a sixth variant called Value, which is not on ICICI Lombard's product page. Confirm the tiers on your quote.
Covers hospital stays of more than 24 hours, including room rent, ICU, diagnostics, surgical procedures and medically necessary treatment as per policy terms.
Your tier decides the room: twin sharing or a single private AC room.
Covers medical procedures that do not need a 24-hour stay, up to the sum insured.
Covers a listed set of treatments that use advanced medical technology, when they are medically required.
The list of procedures is in the policy wording, which was not public when we checked.
Covers medical expenses before admission for the period specified under your plan, once the related hospital claim is accepted.
The number of days is not on the product page, so check your schedule.
Pays IRDAI List I non-payable items that a standard claim would not cover, when your main inpatient or day care claim is admissible.
An annual health check-up on a cashless basis through IL TakeCare.
Launch coverage reports a limit of 0.5% of the sum insured, up to ₹5,000.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
ICICI Lombard Health Insurance plans and claim process
Vibe is a health plan from ICICI Lombard designed for adults aged 18 to 35. It combines hospitalisation cover with wellness benefits: a gym and fitness membership, mental health counselling, unlimited online doctor consultations and monthly Aura Points. It is run through the IL TakeCare app, and its sum insured options run from ₹7 lakh to ₹1 crore.
Adults aged 18 to 35 can buy Vibe. Children can be covered from 91 days to 18 years under a floater. A policy can cover up to 5 members in different adult and child combinations.
ICICI Lombard's page lists five tiers: Rookie ₹7 lakh, BasicFit ₹10 lakh, Upgrade ₹15 lakh, Flex ₹25 lakh and GOAT ₹50 lakh or ₹1 crore. Launch coverage also mentions a sixth Value variant, so confirm the tiers on your quote. The tier sets your Aura Points rate and plan-based benefits such as room category.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official ICICI Lombard Health Insurance website before purchasing.
Contact Details
1800 2666
Headquarters: ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400025, Maharashtra, India.
The aforementioned ratios have been averaged over three years (FY24-FY26)
On a multi-year policy, lets you use the combined base sum insured of future years when the current year's cover is not enough.
Subject to policy terms.
If you add your spouse later, carries forward pre-existing and specific disease waiting-period credit and accrued bonus.
Must be opted at inception.
A 10% discount on the renewal premium, including the first-year premium, when all eligible treatments are taken at network providers.
Covers shorter medical stays from 2 hours onward, for quick treatments that do not need a full-day admission.
Lets you upgrade to any room category or downgrade to twin sharing, as per your plan.
Adds maternity cover for female members, with newborn hospitalisation for 90 days and vaccination expenses up to ₹10,000 until the baby is one year old.
A 2-year waiting period applies. Newborn cover and vaccination are available only if you take Maternity Benefit.
Cuts the maternity waiting period from 2 years to 1 year.
After 5 claim-free policy years with the cover active, gives a renewal discount equal to the first-year base premium at the time you opted for it.
Adds cover equal to your base sum insured for medical expenses from accidental injuries in a listed set of adventure sports.
Sports that are not on the list stay excluded.
Pays a lump sum on accidental death or permanent disability, for adult members.
You bear claims up to a limit you choose, and pay a lower premium in return. ICICI Lombard pays admissible claims above it.
The initial waiting period is 30 days, except for accidental emergencies. Hypertension, diabetes and cardiac conditions are excluded for 90 days. Specific diseases and procedures wait 2 years, and pre-existing diseases wait 3 years. Maternity waits 2 years, or 1 year with the reduction add-on. Mental health counselling is available from day one.
Aura Points are monthly wellness points for every claim-free month. You earn 500 on Rookie, BasicFit and Upgrade, and 750 on Flex and GOAT. One point is worth ₹1 and can be used for OPD, diagnostics, pharmacy, vision, dental and listed sports engagement activities. You can hold up to 12,000 points at a time, and points pause if you claim and restart at the next policy year.
If your available sum insured is not enough because claims in that policy year have already been paid, ReVibe restores it as per your plan's terms. Launch coverage says the reset is unlimited from BasicFit upward, while ICICI Lombard's page says it depends on the plan you choose. Check the reset rules for your tier in the policy schedule.
The Green Flag Bonus adds a percentage of your sum insured for every policy year, at a rate set by your plan and up to a plan-specific maximum. Launch coverage reports 20% a year on the lower tiers and 50% a year on Flex and GOAT, but these figures are not yet on the product page.
GetFit gives access to a gym membership and activities such as aerobics, Pilates, calisthenics, yoga and Zumba through ICICI Lombard's network provider. Mind and Mood Recover gives psychological counselling from day one, with the number of sessions set by your plan. Teleconsultation is unlimited on every plan.
Your plan decides your room entitlement: twin sharing or a single private AC room. The Room Modifier add-on lets you upgrade to any room category or downgrade to twin sharing, depending on the plan.
Maternity is an optional add-on for female members, with a 2-year waiting period. The add-on also includes newborn hospitalisation for 90 days and vaccination expenses up to ₹10,000 until age 1, and a separate add-on can reduce the maternity wait to 1 year.
Only if you add Thrill Shield, which gives extra cover equal to your base sum insured for accidental injuries in a listed set of adventure sports. Injuries from adventure sports that are not on the list are excluded.
You can add Claim Protector, Health Check-Up, Tenure Glow Up, Spouse Care, Network Advantage, 2-Hour QuickFix, Room Modifier, Maternity with newborn cover, Smart Returns, Thrill Shield, Personal Accident and Voluntary Deductible. Availability depends on the plan you choose.
Inform ICICI Lombard before admission for a planned hospitalisation, or within 24 hours in an emergency. At network hospitals you can request cashless pre-authorisation. At other hospitals you pay first and submit the claim form, medical reports, discharge summary, prescriptions and bills for reimbursement up to the sum insured.