Mumbai, September 29, 2026: For a generation that lives digitally, expects convenience at their fingertips, values mental wellbeing and looks for experiences that add value to everyday life, traditional insurance often feels distant and relevant only when something goes wrong. As young consumers increasingly take a more proactive approach to their health and wellbeing, ICICI Lombard, one of the country’s leading private general insurers, introduces VIBE, a Gen Z-first health protection proposition built on the IL Take Care (ILTC). Bringing together comprehensive hospitalisation cover, everyday healthcare, mental wellbeing, digital transparency and lifestyle-linked rewards, VIBE is designed to offer a more holistic approach to health protection.
VIBE also extends the IL TakeCare ecosystem, bringing Gen Z a more intuitive, transparent and mobile-first health-protection experience.
The proposition comes at a time when health is emerging as a clear priority for young consumers, but their expectations from protection are evolving. ICICI Lombard’s research found that 70.5% of respondents ranked Health & Wellness as their top protection priority, and 54.5% selected Health for deeper exploration. However, the research also points 40.4% said focused OPD cover would increase their purchase intent. Mental health and everyday healthcare also emerged as areas where consumers see a need beyond conventional hospitalisation-led cover.
These insights reflect the customer-first design philosophy behind ICICI Lombard’s innovations, with solutions shaped around specific and evolving customer needs.
VIBE builds on ICICI Lombard’s next-generation product approach, where preventive care, everyday wellness, modular journeys and digital-first engagement redefine how protection is experienced.
Addressing these expectations, VIBE brings together a suite of features and innovations designed to offer protection across different aspects of a customer’s health journey:
Consistent with ICICI Lombard’s shift from episodic protection to continuous wellness, VIBE is designed to support everyday health, mental wellbeing and lifestyle goals.
• Core Protect: Provides inpatient hospitalisation (IPD) cover, along with an unlimited reset of the sum insured, ensuring continued financial protection in case of multiple hospitalisation requirements. It also offers loyalty benefits of up to 100% of the sum insured, allowing customers to build enhanced protection over time.
• Aura Points: Moving beyond hospitalisation, this feature provides monthly healthcare credits, which can be utilised towards everyday healthcare requirements, including OPD consultations, diagnostics, pharmacy, dental and vision care bringing tangible value to the younger cohort.
• Together, Aura Points, referral benefits and digitally guided wellness journeys create a more cohesive proposition for younger customers entering independent life stages.
• Mind & Mood Recover: Recognising mental wellbeing as an integral part of overall health, VIBE provides access to 3–10 sessions mental health counselling sessions, enabling customers to access professional support.
• Referral Discount: You can also friends refer your friend and earn 500 credit points for every successful referral. Just download the IL TakeCare app and start sharing.
• GetFit: By linking health protection with lifestyle choices, this feature enables young customers to derive value from their policy beyond traditional healthcare requirements, through monthly wellness credits, which can be redeemed across sports, gym, Pilates and other eligible lifestyle activities
• Green Flag Bonus: Earn additional % of Sum Insured for every policy year, based on your selected VIBE plan. The bonus accrues as per the applicable plan rate and is subject to the plan-specific maximum limit.
Commenting on the launch, Mr. Girish Sehgal, Chief – Health UW & Claims, Customer Service & Operations, ICICI Lombard, said, “Young consumers today are approaching health differently, not just thinking about what happens when they fall ill, but actively investing in their physical and mental wellbeing. They want greater control over their choices, clarity on what they are covered for, and value that extends beyond moments of hospitalisation. We believe health insurance needs to evolve with these expectations. VIBE is our effort to make protection more relevant to their everyday lives, combining comprehensive cover with everyday healthcare, mental wellbeing, transparency and lifestyle-linked value, all through a digital experience designed around the customer. Ultimately, it is about making insurance something young customers can understand, engage with and see value in, well before they need to make a claim.”
With this launch, ICICI Lombard continues to advance its health insurance portfolio through innovation, technology and customer-centric product design, creating solutions that respond to the changing needs and expectations of today’s consumers.
As ICICI Lombard marks 25 years of protection, VIBE represents the next chapter: future-forward products built on a legacy of trust, innovation and customer centricity.
#ICICILombard #VIBE #ILTakeCare #GenZ #GirishSehgal
*For more details on VIBE’s features please refer to the brochure.
About ICICI Lombard General Insurance Company Limited
ICICI Lombard is the leading private general insurance company in the country. The Company offers a comprehensive and well-diversified range of products through multiple distribution channels, including motor, health, crop, fire, personal accident, marine, engineering, and liability insurance. With a legacy of over 25 years, ICICI Lombard is committed to customer centricity with its brand philosophy of ‘Nibhaye Vaade’. The company has issued over 39.2 million policies, over 3.4 million claims processed and has a Gross Written Premium (GWP) of ₹ 306.18 billion for the year ended March 31, 2026. ICICI Lombard has 341 branches and 15,008 employees, as on March 31, 2026.
ICICI Lombard has been a pioneer in the industry, being the first large-scale insurance company in India to migrate its entire core systems to the cloud. With a strong focus on being digitally-led and agile, the company has introduced multiple AI-powered insurance solutions. The company’s flagship insurance and wellness app, IL TakeCare, which has received over 21.0 million downloads, also offers the industry’s first Face Scan feature. The company has won several prestigious awards- including the Insurance Asia, ICC Emerging Asia Insurance, ET BFSI Exceller, ET Corporate Excellence, Golden Peacock, FICCI Insurance, Assocham, Stevie Asia Pacific, and National CSR in recognition of its various initiatives. For more details log on to https://www.icicilombard.com/.
