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Insurance Plans Comparison

ICICI Lombard Health Shield 360 Retail vs ICICI Lombard Golden Shield

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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ICICI Lombard

Health Shield 360 Retail

Reset up to 100% of the sum insured once for the same illness and unlimited times for a different illness, and add a 20% cumulative bonus each claim-free year, up to 100% of the sum insured.

What Makes It Special:

Health Shield 360 Retail provides cover for eligible in-patient hospitalisation, day-care procedures, specified modern treatments, pre- and post-hospitalisation expenses, and in-patient AYUSH treatment. Its Reset Benefit can replenish cover within defined limits, while the Guaranteed Cumulative Bonus may increase the available cover after claim-free policy years. Wellness services and optional...

Best For:

  • Buyers interested in wellness services and optional benefits, provided the required cover is selected and recorded in the policy schedule.

  • People looking for a cumulative bonus that can increase available cover after claim-free years.

  • Buyers who value a reset benefit for eligible future hospitalisation claims.

  • Families considering a family-floater option, where eligible family members can be covered under one policy.

  • Individuals seeking health insurance for eligible hospitalisation and day-care treatment expenses.

VS
ICICI Lombard

Golden Shield

Cover hospital care for seniors, with a twin-sharing room below ₹10 lakh and a single private AC room from ₹10 lakh, a 50% co-pay on every admissible claim, and 60 days before admission plus 180 days after discharge.

What Makes It Special:

ICICI Lombard Golden Shield is designed for senior citizens and offers hospitalisation cover through individual and family floater options. Benefits include inpatient treatment, daycare procedures, AYUSH hospitalisation, pre- and post-hospitalisation expenses, domiciliary treatment and a Reset Benefit. The policy also offers a Loyalty Bonus and optional features such as Claim...

Best For:

  • Buyers seeking additional features such as Claim Protector or Care Management Plus, subject to availability and eligibility.

  • Customers who want to evaluate options for reducing the policy's standard co-payment.

  • Buyers who want a reset feature for eligible subsequent hospitalisation claims.

  • Older couples looking for a shared family floater or individual cover options.

  • Senior citizens seeking health insurance for eligible hospitalisation expenses.

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

  • Compare optional benefits and their additional premiums against your needs, because an optional cover applies only when it has been selected and recorded in the policy documents.

  • Understand the Reset Benefit conditions, including the restriction on using it for the first claim and the rules for repeated claims relating to the same illness or injury.

  • Confirm the room eligibility, applicable co-payment, deductible and any disease or procedure sublimits in your Policy Schedule.

  • Review the waiting periods for pre-existing diseases and specified illnesses before relying on the policy for planned treatment.

  • Check the selected Sum Insured and whether an individual or family-floater policy suits the people you want to insure.

  • Compare the disease-specific sublimits with your healthcare needs, especially for cataract, cardiovascular treatment, cancer and renal conditions.

  • Review the 24-month PED and specified-disease waiting periods, along with the separate 90-day exclusion for hypertension, diabetes and cardiac conditions.

  • Check the room category linked to your sum insured to avoid unexpected proportionate deductions.

  • Review the base 50% co-payment carefully and compare the additional premium for reducing it to 40%, 30% or 20%.

  • Select a sum insured based on expected medical expenses and confirm that the desired option is available for your age and health profile.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Shield 360 Retail
Health Shield 360 Retail

Health Insurance Plan

VS
Golden Shield
Golden Shield

Health Insurance Plan

Brochure

Room Rent

Health Shield 360 Retail

Covered up to Annual Sum Insured as per plan opted

Covered up to Annual Sum Insured

VS

Golden Shield

ICICI Lombard's Health Shield plan offers comprehensive coverage with no specific capping on room rent or ICU charges.

Advanced Treatments

Health Shield 360 Retail

Uterine Artery Embolization (UAE) and HIFU

Immunotherapy (Monoclonal Antibody Injection)

Green Laser/Holmium Laser Treatment for Prostate

Stem Cell Therapy for Hematological Conditions

Balloon Sinuplasty

Oral Chemotherapy

Robotic Surgeries

Stereotactic Radio Surgery

Deep Brain Stimulation

Intra Vitreal Injections

Bronchial Thermoplasty

Intra Operative Neuro Monitoring (IONM)

VS

Golden Shield

The plan covers advanced treatments like robotic surgeries, immunotherapy, oral chemotherapy, stem cell therapy, and minimally invasive procedures for various conditions.

ICU Charges

Health Shield 360 Retail

Eligible ICU expenses are covered under in-patient treatment, within the applicable Annual Sum Insured and policy conditions.

VS

Golden Shield

Covered under eligible inpatient hospitalisation, subject to the annual sum insured and applicable policy conditions.

Co-payment

Health Shield 360 Retail

Not mentioned

VS

Golden Shield

The ICICI Lombard Golden Shield plan includes a mandatory 50% co-payment, meaning policyholders are responsible for half of the admissible claim amount, while the insurer covers the remaining 50%. This co-payment applies to all claims made under the policy.

Disease-wise sublimits

Health Shield 360 Retail

Any applicable sublimits for specified illnesses, procedures or benefits are governed by the Policy Schedule and selected plan.

VS

Golden Shield

Yes. Cataract and specified cardiovascular, cerebrovascular, cancer, renal, long-bone/joint and robotic-surgery treatments have limits that vary by sum insured.

Cashless Healthcare Providers

Health Shield 360 Retail

Available through network hospitals and healthcare providers

VS

Golden Shield

10,896+ hospitals across India.

Restoration Benefit

Health Shield 360 Retail

Information Unavailable

VS

Golden Shield

Unlimited Reset Benefit of up to 100% of the annual sum insured for eligible subsequent claims. It does not apply to the first claim and has restrictions for the same illness or related complications.

Daycare Treatment

Health Shield 360 Retail

Covered up to Annual Sum Insured

VS

Golden Shield

Covered under the policy. 

Cumulative Bonus

Health Shield 360 Retail

Guaranteed Cumulative Bonus can increase by 20% of the applicable Annual Sum Insured for each claim-free policy year, up to 100%.

VS

Golden Shield

Loyalty Bonus accumulates under the policy's renewal rules; accrued bonus is not reduced merely because a claim is made.

AYUSH Treatment

Health Shield 360 Retail

Covered up to Annual Sum Insured

VS

Golden Shield

Covered under this policy

Consumable Cover

Health Shield 360 Retail

Eligible consumables are covered as part of hospitalisation expenses, except items listed as excluded non-medical expenses.

VS

Golden Shield

Claim Protector is available as an optional cover for eligible non-medical items associated with an accepted inpatient claim.

Initial Waiting Period

Health Shield 360 Retail

A 30-day waiting period applies to illnesses, subject to the policy wording and applicable exceptions. Accidental injuries are treated according to the policy’s terms.

VS

Golden Shield

30 days for illnesses, except covered accident-related hospitalisation.

Specific Waiting Period

Health Shield 360 Retail

Listed diseases and procedures may be subject to specific waiting periods. The applicable period and exclusions should be checked against the policy schedule and wording.

VS

Golden Shield

24 months for listed diseases and procedures.

PED Waiting Period

Health Shield 360 Retail

Pre-existing diseases are subject to the applicable waiting period and acceptance terms stated in the policy documents.

VS

Golden Shield

24 months of continuous coverage for declared and accepted pre-existing diseases.

Modern Treatment

Health Shield 360 Retail

Covers specified modern treatments and procedures, including eligible robotic surgeries, oral chemotherapy and other listed treatments, subject to policy terms.

VS

Golden Shield

Listed modern treatments are covered up to the annual sum insured, subject to specified sublimits.

Annual Health Checkup

Health Shield 360 Retail

Annual check-up benefits are available under the applicable cover and plan terms. Eligibility and limits depend on the selected option.

VS

Golden Shield

Information Unavailable

Pre-Hospitalisation

Health Shield 360 Retail

Eligible medical expenses incurred before hospitalisation are covered for the period and within the limits specified in the Policy Schedule, subject to the related hospitalisation claim being admissible.

VS

Golden Shield

60 days before hospitalisation, subject to policy terms and the accepted inpatient claim.

Post-Hospitalisation

Health Shield 360 Retail

Eligible post-hospitalisation medical expenses are covered for the period and limits specified in the Policy Schedule, subject to acceptance of the related hospitalisation claim.

VS

Golden Shield

Up to 7% of hospitalisation expenses, subject to a maximum of ₹5,000 for ₹3–5 lakh sum insured, ₹7,000 for ₹10–15 lakh, and ₹10,000 for ₹20–50 lakh.

Outpatient Department Cover (OPD Expense)

Health Shield 360 Retail

Out-patient consultations and other OPD services may be available under the applicable optional cover, subject to its limits and conditions.

VS

Golden Shield

Not included as a general standard reimbursement benefit. Outpatient consultations may be available through the optional Care Management Plus Program.

Deductible Option

Health Shield 360 Retail

A deductible, where applicable to the selected cover, is governed by the Policy Schedule and the terms of that cover.

VS

Golden Shield

Optional voluntary deductible of 20% of the annual sum insured, applied on an aggregate basis during the policy year.

Coverage Options

Health Shield 360 Retail

The policy may be issued on an individual or family-floater basis, as recorded in the Policy Schedule.

VS

Golden Shield

Individual or family floater; optional Claim Protector, reduced co-payment, voluntary deductible and Care Management Plus Program.

Claim Settlement Ratio

Health Shield 360 Retail

FY 24-25: ~84%

VS

Golden Shield

FY 24-25: ~84%

Maternity Cover

Health Shield 360 Retail

Maternity-related expenses are covered only where the applicable cover is selected and recorded in the Policy Schedule, subject to its waiting period, limits and conditions.

VS

Golden Shield

Not covered under this senior-citizen-focused plan.

Insurance Plans Comparison

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Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

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  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

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  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

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Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

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