How does the waiting period affect my coverage?

The policy has a 30-day initial wait, 24 months for specific diseases, and 36 months for pre-existing conditions.

What happens if I don’t use my health insurance benefits for the entire year?

This policy does not offer a no-claim bonus but provides coverage for specified illnesses and accidents.

Will my health insurance cover treatment abroad?

The policy does not cover treatment abroad; all benefits apply only within India.

OneAssure

Health Insurance

ICICI Lombard

Criti Shield Family Shield

Family Shield Icici Lombard Plan

Experience India's most trusted health insurance with ICICI Lombard Health Insurance. Get instant cashless treatment at 10601 network hospitals with sum insured up to ₹50 lakhs.

97.16%

Claim Settlement Ratio

10601+

Network Hospitals

8.4

Customer Rating

Brochure

Policy Wording

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97.16%

Claim Settlement Ratio

10601+

Network Hospitals

8.4

Customer Rating

Brochure

Policy Wording

Our Verdict

Expert Review: ICICI Lombard Health Insurance

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Final Verdict

ICICI Lombard Family Shield provides coverage for infectious diseases, accidents, and death, with no medical exams up to 55 years. Ideal for families seeking affordable, hassle-free health protection.

About

About ICICI Lombard Health Insurance

The ICICI Lombard Family Shield is a comprehensive insurance policy covering hospitalization due to specific infectious diseases, accidental injuries, and death. It offers tax benefits under Section 80D of the Income Tax Act, flexible premium payment options, and periodic claim payments. Notably, no medical examinations are required for applicants up to 55 years of age. The policy is available to individuals aged 18 and above, with coverage starting from 3 months of age.

Inclusions and Exclusions

Inclusions and Exclusions of ICICI Lombard Insurance Company Limited

Room Rent

Normal: Covered Up to Sum InsuredICU: Covered Up to Sum Insured

Advanced Treatments

Oral Chemotherapy Robotic Surgeries Stem Cell Therapy

Co-payment

Co payment is applicable as chosen by the insured. 
It allows the insured to opt for 10% or 20% co-payment.

Waiting Period

Initial waiting period: 30 days for all illnesses except accidents Specific diseases: 24-month waiting period.Pre-existing conditions: 36-month waiting period.

Cashless Healthcare Providers

10,000+ Healthcare Providers

Daycare Treatment

Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery or chemotherapy

AYUSH Treatment

.

Room Rent

Normal: Covered Up to Sum InsuredICU: Covered Up to Sum Insured

Advanced Treatments

Oral Chemotherapy Robotic Surgeries Stem Cell Therapy

Co-payment

Co payment is applicable as chosen by the insured. 
It allows the insured to opt for 10% or 20% co-payment.

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Exclusions

Pre-existing diseases are not covered until the specified waiting period is completed.
Cosmetic or plastic surgery is excluded unless required due to an accident or life-threatening condition.
Maternity-related expenses, including childbirth, miscarriage (unless accidental), and pregnancy termination, are not covered.
Dental and eye treatments are excluded unless required due to an accident.
Unproven treatments, experimental or alternative procedures lacking medical documentation, are not covered.
Injuries from adventure sports are excluded unless specifically covered under an add-on.
Self-inflicted injuries, including suicide attempts, are not covered.
Injuries related to intoxication from alcohol, drugs, or other substances are excluded.

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About the company

ICICI Lombard General Insurance is one of India’s leading private sector insurers, known for providing reliable and comprehensive insurance solutions. It is a joint venture between ICICI Bank, one of India’s largest private banks, and Fairfax Financial Holdings, a global financial services group. Established in 2001, ICICI Lombard has grown rapidly and now serves millions of customers across the country. The company offers a wide range of products, including health, motor, travel, home, and personal accident insurance, catering to individuals, families, and businesses. Its health insurance offerings include regular health plans, super top-up plans, critical illness cover, and personal accident plans, all designed to provide financial protection against unexpected medical expenses. ICICI Lombard stands out for its customer-focused approach, quick and transparent claim settlement, and...

ICICI Lombard General Insurance is one of India’s leading private sector insurers, known for providing reliable and comprehensive insurance solutions. It is a joint venture between ICICI Bank, one of India’s largest private banks, and Fairfax Financial Holdings, a global financial services group. Established in 2001, ICICI Lombard has grown rapidly and now serves millions of customers across the country. The company offers a wide range of products, including health, motor, travel, home, and personal...