Does Health Shield 360 Retail cover pre-existing diseases?

The policy includes coverage for pre-existing diseases after completion of the applicable waiting period.

What is the Reset Benefit under Health Shield 360 Retail?

The policy provides a Reset Benefit of up to 100% of the Annual Sum Insured. It can be used once for the same illness and unlimited times for different illnesses in a policy year, subject to policy conditions.

Are cashless claims available under the policy?

Yes. Cashless treatment is available at network hospitals subject to pre-authorization and policy terms. Eligible hospitalization expenses can be settled directly with the hospital through the cashless facility.

Can wellness points be redeemed for healthcare services?

Yes. Wellness points earned through health assessments, fitness activities, consultations, and wellness tasks can be redeemed for eligible healthcare-related services through the insurer's platform, subject to applicable conditions.

OneAssure

Health Insurance

ICICI Lombard

Health Shield 360 Retail

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

0

Customer Rating

Policy Brochure

Get a Quote

97.16

Claim Settlement Ratio

9000

Network Hospitals

0

Customer Rating

Policy Brochure

Our Verdict

Expert Review: ICICI Lombard Health Insurance

Final Verdict

Health Shield 360 Retail is a feature-rich health insurance plan that combines hospitalization coverage with wellness rewards, home care treatment, modern treatment coverage, and automatic sum insured restoration.

About

About ICICI Lombard Health Insurance

Health Shield 360 Retail is a comprehensive health insurance policy from ICICI Lombard that covers hospitalization expenses arising from illness or injury. Along with inpatient treatment, daycare procedures, AYUSH treatment, ambulance services, and organ donor expenses, the plan also includes coverage for modern treatments and home care treatment. A key feature of the policy is its reset benefit, which restores the sum insured when eligible claims exhaust the available coverage. The policy further supports long-term health management through wellness rewards, tele-consultations, health assistance services, and preventive care initiatives.

Health Shield 360 Retail is a comprehensive health insurance policy from ICICI Lombard that covers hospitalization expenses arising from illness or injury. Along with inpatient treatment, daycare procedures, AYUSH treatment, ambulance services, and organ donor expenses, the plan also includes coverage for modern treatments and home care treatment. A key feature of the policy is its reset benefit, which restores the sum insured when eligible claims exhaust the available coverage. The policy further supports long-term...

Health Shield 360 Retail Ratings

Health Shield 360 Retail

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

swipe

Inclusions and Exclusions

Inclusions and Exclusions of ICICI Lombard Insurance Company Limited

Room Rent

Normal: Covered up to Annual Sum Insured as per plan opted
ICU: Covered up to Annual Sum Insured

Advanced Treatments

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)

Co-payment

Not mentioned

Cashless Healthcare Providers

Available through network hospitals and healthcare providers

Waiting Period

Initial Waiting Period: 30 days

Daycare Treatment

Covered up to Annual Sum Insured

AYUSH Treatment

Covered up to Annual Sum Insured

Room Rent

Normal: Covered up to Annual Sum Insured as per plan opted
ICU: Covered up to Annual Sum Insured

Advanced Treatments

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)

Co-payment

Not mentioned

Exclusions

Not available

Insurance Premium Calculator

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

Name

Phone Number

Email

Your Enquiry

Name

Phone Number

Email

Your Enquiry

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...