
Family Shield Icici Lombard Plan
97.16
Claim Settlement Ratio
10601
Network Hospitals
8.4
Customer Rating
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Get a Quote
97.16
Claim Settlement Ratio
10601
Network Hospitals
8.4
Customer Rating
Our Verdict
Expert Review: ICICI Lombard Health Insurance
Final Verdict
About
About ICICI Lombard Health Insurance
Inclusions and Exclusions
Inclusions and Exclusions of ICICI Lombard Insurance Company Limited
Room Rent
Normal: Covered Up to Sum Insured
ICU: 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 Insured
ICU: 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.
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
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