Is Family Shield a comprehensive health insurance policy for every illness?

Family Shield focuses on specified infectious diseases, personal accident events and selected hospital cash benefits. It should not be assumed to cover all illnesses or hospitalisation expenses. Check the policy wording for the exact scope of each benefit.

Which infectious diseases are covered under Family Shield?

The insurer lists specific vector-borne diseases such as dengue, malaria, chikungunya, kala azar, Japanese encephalitis, filariasis and Zika fever. Listed benefits also include certain viral, gastrointestinal and nervous system infections, rabies and tetanus, subject to policy terms.

Can I receive a fixed payout during hospitalisation?

A Hospital Daily Cash Benefit is listed under the product. The amount payable, qualifying hospitalisation period and other conditions depend on the benefit selected and the policy certificate.

Will a pre-existing disease affect my Family Shield claim?

The published brochure specifies a two-year pre-existing disease restriction for the Hospital Daily Cash Benefit. Do not assume the same rule applies identically to every benefit; check the wording applicable to the benefit being claimed.

Are personal accident benefits subject to the same waiting period as infectious disease benefits?

No. The published brochure lists a 30-day waiting period for specific infectious disease and hospital daily cash benefits, and no waiting period for personal accident benefits. All other eligibility conditions and exclusions still apply.

Can I add optional benefits such as broken bones or burns cover?

The insurer lists extensions such as broken bones, burns, lifestyle support and compassionate visit benefits. Availability depends on the options selected and the terms shown in the policy certificate.

How long must I be hospitalised to claim for a covered vector-borne disease?

The insurer's Family Shield product page states that hospitalisation for at least two consecutive days is required for the specific vector-borne disease benefit. Other benefit categories may have different claim conditions.

OneAssure

Health Insurance

ICICI Lombard

Criti Shield Family Shield

Family Shield Icici Lombard Plan

Cover hospitalisation for specified infectious diseases, including listed vector-borne illnesses such as dengue and malaria, and personal accident benefits for death, disablement and accidental hospital treatment.

97.16%

Claim Settlement Ratio

9,000+

Network Hospitals

5.5/10

Plan Rating

Policy Brochure

Policy Policy Wording

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Our Verdict

Expert Review: ICICI Lombard Criti Shield Family Shield

Final Verdict

Family Shield may be suitable for buyers seeking targeted financial protection for specified infections and accident-related events. Its defined benefits and optional extensions can provide additional support for eligible situations.This policy should not be assumed to provide comprehensive reimbursement for every illness or hospitalisation. Check the benefit-specific limits, waiting periods, exclusions and selected options, and consider separate comprehensive health insurance if you need wider hospitalisation coverage.

About

What Is Criti Shield Family Shield?

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.

Family Shield Ratings

Family Shield

Insurer Rating

8.88

out of 10

Insurance Rating

5.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

No

No Disease Sublimits

Yes

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

ICICI Lombard Criti Shield Family Shield Inclusions and Exclusions

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.

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

.

Modern Treatment

Not specified as a standalone benefit in the reviewed product information.

ICU Charges

ICU-related cash benefits may be available under selected hospital cash benefits; limits depend on the policy certificate.

Cumulative Bonus

No cumulative bonus benefit verified. The published brochure lists a 5% renewal discount and a family discount of up to 7.5%.

Consumable Cover

Not specified.

Initial Waiting Period

30 days for specific infectious disease and hospital daily cash benefits; 0 days for personal accident benefits, as stated in the published brochure.

Specific Waiting Period

30 days for specific infectious disease benefits.

PED Waiting Period

Two-year pre-existing disease restriction specified for Hospital Daily Cash Benefit; applicability to other benefits must be checked in the policy wording.

Annual Health Checkup

Not specified.

Post-Hospitalisation

Accidental pre- and post-hospitalisation expenses may be covered under the applicable accident benefit; a general post-hospitalisation limit was not verified.

Outpatient Department Cover (OPD Expense)

No general OPD benefit verified. Accident-related diagnostic tests may be covered under the applicable benefit.

Deductible Option

Any deductible or loss-sharing provision must be confirmed in the policy certificate.

Coverage Options

Specific infectious disease benefits, personal accident benefits, hospital daily cash benefits and selected additional benefits.

Maternity Cover

Maternity and pregnancy-termination expenses are listed among exclusions.

Pre-Hospitalisation

Accidental pre-hospitalisation expenses may be covered under the applicable accident benefit; a general time limit was not verified.

Claim Settlement Ratio

FY 2024-25: ~84%

Disease-wise sublimits

Benefits are defined for specified infections and accident-related events; applicable limits are benefit-specific and should be confirmed in the policy certificate.

Restoration Benefit

No restoration benefit verified.

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.

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About the company

About ICICI Lombard

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 a strong network of hospitals for cashless treatment. Many of its plans require minimal paperwork and no pre-policy medical check-ups, making it easy for customers to get insured. With digital tools for premium calculation, policy management, and instant claim assistance, ICICI Lombard combines technology with trusted service to make insurance accessible, simple, and dependable for every Indian.

FAQs

Frequently Asked Questions

Got questions about health insurance? You're not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.