What is the Unlimited Reset Benefit in Health Shield 360?

If your available Sum Insured becomes insufficient due to previous claims, the policy automatically restores up to 100% of the Sum Insured unlimited times during the policy year for eligible future claims, subject to policy terms.

Does Health Shield 360 cover pre-existing diseases?

Yes. Pre-existing diseases are covered after completing a waiting period of 24 months, provided the conditions were disclosed and accepted by the insurer.

What is the Cumulative Bonus offered under this policy?

The policy provides a 10% increase in Sum Insured for every claim-free year, up to a maximum of 100% of the base Sum Insured.

Does the plan offer cashless hospitalization?

Yes. Cashless treatment is available through more than 6,500 network hospitals across India, subject to policy terms and network availability.

OneAssure

Health Insurance

ICICI Lombard

Health Shield 360

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 Prospectus

Get a Quote

97.16%

Claim Settlement Ratio

9000+

Network Hospitals

0

Customer Rating

Policy Prospectus

Our Verdict

Expert Review: ICICI Lombard Health Shield 360

Final Verdict

Health Shield 360 stands out because of its unlimited reset benefit, strong cumulative bonus structure, optional worldwide coverage, and wellness ecosystem. It is suitable for customers looking for long-term comprehensive protection with flexibility to add advanced healthcare benefits.

About

About ICICI Lombard Health Shield 360

Health Shield 360 is a comprehensive indemnity health insurance policy from ICICI Lombard designed to provide extensive hospitalization protection along with wellness-focused benefits. The plan includes hospitalization expenses, day care treatment, pre and post-hospitalization expenses, AYUSH treatment, donor expenses, domiciliary care, cumulative bonus, and unlimited reset benefits. Optional enhancements such as OPD coverage, home healthcare, air ambulance, claim protector, worldwide hospitalization cover, and wellness rewards allow policyholders to customize protection according to their needs.

Health Shield 360 Ratings

Ratings: ICICI Lombard Health Shield 360

Insurer Rating

8.88

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 Health Shield 360

Room Rent

Normal: No Capping (Covered up to Sum Insured)
ICU: No Capping (Covered up to Sum Insured)

Co-payment

None (100% claims paid by insurer)

Waiting Period

Initial Waiting Period: 30 days
Pre-existing Disease Waiting Period: 24 months

Advanced Treatments

Day Care Procedures
Organ Donor Expenses
Home Healthcare (Optional)
Air Ambulance (Optional)
Worldwide Coverage (Optional)

Cashless Healthcare Providers

6500+ network hospitals

Daycare Treatment

Covered

AYUSH Treatment

Covered

Room Rent

Normal: No Capping (Covered up to Sum Insured)
ICU: No Capping (Covered up to Sum Insured)

Co-payment

None (100% claims paid by insurer)

Cashless Healthcare Providers

6500+ network hospitals

Exclusions

Not available

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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...