Current Context:On 29 September 2026, ICICI Lombard General Insurance launched VIBE, a health-insurance proposition designed specifically for Gen Z. It combines hospitalisation cover with everyday healthcare, mental-health support, fitness benefits and digital rewards.
- Target group: VIBE is positioned as a Gen Z-focused health insurance plan, built around younger customers’ preference for digital access, wellness benefits and flexible coverage.
- Hospitalisation cover: The policy provides regular health-insurance protection along with access to a network of more than 10,700 cashless hospitals.
- Room rent: The plan offers no room-rent limit under the applicable terms, making hospitalisation coverage more flexible.
- Worldwide cover: Depending on the plan, customers can get worldwide coverage of up to ₹3 crore.
- Mental health: VIBE includes mental-health consultation support, reflecting the growing focus on emotional and psychological wellbeing among younger customers.
- Fitness benefits: Policyholders can access a yearly gym membership covering activities such as gym workouts, yoga, Pilates, aerobics and calisthenics through network providers.
- Teleconsultation: The plan offers unlimited online doctor consultations, allowing users to access medical advice digitally.
- Aura Points: Customers can earn monthly Aura Points for remaining claim-free. These points can be used for services such as OPD, diagnostics, pharmacy, dental care and vision care.
- Adventure sports: An optional Thrill Shield add-on provides additional protection for accidental injuries arising from listed adventure-sports activities.
Question
Q1. ICICI Lombard’s VIBE health insurance plan is primarily targeted at which customer segment?a) Senior citizens
b) MSME owners
c) Gen Z customers
d) Only corporate employees
Answer: c) Gen Z customers. VIBE was launched as a Gen Z-focused health-insurance proposition combining hospitalisation cover with fitness, mental-health, teleconsultation and wellness-reward benefits.
