How does the waiting period affect my coverage?

The ICICI Golden Shield plan has a 30-day waiting period, except for accidental injuries, with pre-existing conditions covered after 48 months.

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

If no claims are made, you may receive a No Claim Bonus, increasing your sum insured without extra premiums for future coverage.

Does the ICICI Golden Shield plan cover treatment abroad?

The plan primarily covers treatment in India and does not provide international coverage unless specified under optional add-ons.

Does ICICI Lombard Golden Shield cover pre-existing conditions?

Yes, the ICICI Lombard Golden Shield plan covers pre-existing conditions after a 24-month waiting period.

OneAssure

Health Insurance

ICICI Lombard

Golden Shield

ICICI Lombard Golden Shield

Experience India's most trusted health insurance with ICICI Lombard Health Insurance. Get instant cashless treatment at 9000 network hospitals with sum insured up to ₹50 lakhs.

97.16

Claim Settlement Ratio

9000

Network Hospitals

8.3

Customer Rating

Policy Brochure

Get a Quote

97.16

Claim Settlement Ratio

9000

Network Hospitals

8.3

Customer Rating

Policy Brochure

Our Verdict

Expert Review: ICICI Lombard Health Insurance

Final Verdict

ICICI Lombard's Golden Shield offers ₹50 lakh coverage with benefits like cashless treatment and AYUSH care. Ideal for seniors 56+ seeking comprehensive support, though the 50% co-payment may add financial strain.

About

About ICICI Lombard Health Insurance

ICICI Lombard's Golden Shield is a health insurance plan tailored for senior citizens aged 56 and above. It offers coverage for hospitalization, pre-existing conditions after 24 months, and includes benefits like annual health check-ups and cashless treatment across a vast hospital network. The plan provides a sum insured up to ₹50 lakh, with a mandatory 50% co-payment. Additional features include a reset benefit, domiciliary hospitalization, and coverage for AYUSH treatments, ensuring comprehensive healthcare support for the elderly.

ICICI Lombard's Golden Shield is a health insurance plan tailored for senior citizens aged 56 and above. It offers coverage for hospitalization, pre-existing conditions after 24 months, and includes benefits like annual health check-ups and cashless treatment across a vast hospital network. The plan provides a sum insured up to ₹50 lakh, with a mandatory 50% co-payment. Additional features include a reset benefit, domiciliary hospitalization, and coverage for AYUSH treatments, ensuring comprehensive healthcare support for...

Golden Shield Ratings

Golden Shield

Insurer Rating

0

out of 10

Insurance Rating

6.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

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

Inclusions and Exclusions of ICICI Lombard Insurance Company Limited

Co-payment

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.

Cashless Healthcare Providers

10,896+ hospitals across India.

Room Rent

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

Waiting Period

Initial Waiting Period: 30 days from the policy start date, except for accidental hospitalization.
Pre-Existing Disease (PED) Waiting Period: 3 years before coverage begins.
Specific Disease Waiting Period: 2 years for certain listed illnesses and treatments.
Maternity & Newborn Waiting Period: Not covered under this plan.
.

Daycare Treatment

Covered under the policy.

AYUSH Treatment

Covered under this policy

Advanced Treatments

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

Co-payment

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.

Waiting Period

Initial Waiting Period: 30 days from the policy start date, except for accidental hospitalization.
Pre-Existing Disease (PED) Waiting Period: 3 years before coverage begins.
Specific Disease Waiting Period: 2 years for certain listed illnesses and treatments.
Maternity & Newborn Waiting Period: Not covered under this plan.
.

Room Rent

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

Exclusions

Pre-existing diseases are not covered until after a 24-month waiting period.
Self-inflicted injuries or attempted suicide are excluded from coverage.
Treatment for alcohol or drug addiction is not covered under the policy.
Cosmetic or plastic surgery expenses, unless medically necessary due to an accident, are excluded.
Non-accidental dental treatments are not covered.

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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...

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...