Does this policy cover modern medical surgeries and high-cost advanced treatments?

Yes, completely. Healthcare tech has advanced rapidly, and the Health Shield Plus plan ensures you have financial access to cutting-edge precision medicine. The policy covers advanced procedures up to your total sum insured layout, including robotic surgeries, stem cell therapy (for approved conditions), and targeted cancer therapies.

Are minor day care treatments covered if an overnight stay isn't needed?

Absolutely. Many medical treatments can wrap up in just a few hours thanks to advanced medical technology. The plan provides complete coverage for listed daycare treatments requiring less than 24-hour hospitalization, allowing you to undergo the required procedure and head back home the same day without affecting your claim eligibility.

What standard healthcare procedures are excluded from the base policy?

The base plan focuses primarily on unpredictable medical emergencies and standard illnesses. It explicitly excludes pre-existing conditions within the initial 48-month window, routine dental treatments (unless required due to an accident), cosmetic or aesthetic surgery, and infertility or assisted reproduction treatments (like IVF). Standard maternity expenses are also excluded under the base layer unless specialized add-on options are selected.

How does the waiting period affect my coverage?

The Health Shield Plus plan includes a 30-day general waiting period, 48 months for pre-existing conditions, and 24 months for specific illnesses.

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

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

Does the Health Shield Plus plan cover treatment abroad?

The plan primarily covers treatment in India, but optional add-ons may provide limited international emergency coverage. Check with the insurer.

OneAssure

Health Insurance

ICICI Lombard

Complete Health Insurance Health Shield Plus Plan

ICICI Lombard Health Shield Plus Plan

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

9.2

Customer Rating

Policy Policy Wording

Get a Quote

97.16

Claim Settlement Ratio

9000

Network Hospitals

9.2

Customer Rating

Policy Policy Wording

Our Verdict

Expert Review: ICICI Lombard Health Insurance

Final Verdict

Health Shield Plus offers extensive coverage with add-ons like inflation protection, worldwide cover, and maternity benefits. Ideal for families and individuals seeking robust health insurance with customizable options, though add-ons may increase premiums.

About

About ICICI Lombard Health Insurance

Health Shield Plus is a comprehensive health insurance plan designed to provide extensive medical coverage, ensuring financial security during medical emergencies. It covers in-patient hospitalization, pre- and post-hospitalization expenses, daycare procedures, domiciliary treatment, and ambulance charges. The plan also includes coverage for advanced treatments like robotic surgeries and organ transplants. Policyholders benefit from a No Claim Bonus, sum insured restoration, and annual health check-ups. Additional features include AYUSH treatment coverage and optional add-ons to enhance protection, making it a well-rounded health insurance solution.

Health Shield Plus is a comprehensive health insurance plan designed to provide extensive medical coverage, ensuring financial security during medical emergencies. It covers in-patient hospitalization, pre- and post-hospitalization expenses, daycare procedures, domiciliary treatment, and ambulance charges. The plan also includes coverage for advanced treatments like robotic surgeries and organ transplants. Policyholders benefit from a No Claim Bonus, sum insured restoration, and annual health check-ups. Additional features include AYUSH treatment coverage and optional add-ons to enhance...

Health Shield Plus Plan Ratings

Health Shield Plus Plan

Insurer Rating

0

out of 10

Product 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

Room Rent

Normal: the plan offers coverage for single private rooms for hospitalization, while ICU expenses are covered up to the sum insured without sub-limits.

Advanced Treatments

ICICI Health Shield Plus covers advanced medical treatments, ensuring access to modern healthcare. It includes robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapies, and other cutting-edge procedures.

Co-payment

Health Shield Plus may include a copayment clause, requiring policyholders to pay a fixed percentage of the claim amount, especially for senior citizens or specific treatments. The exact copayment percentage varies based on policy terms.

Cashless Healthcare Providers

10,896+ hospitals across India.

Waiting Period

Health Shield Plus includes a 30-day initial waiting period for general illnesses, a 24-month waiting period for specified diseases, and a 48-month waiting period for pre-existing conditions. Accidental hospitalization is covered immediately.

Daycare Treatment

Covered under the policy.

AYUSH Treatment

.

Room Rent

Normal: the plan offers coverage for single private rooms for hospitalization, while ICU expenses are covered up to the sum insured without sub-limits.

Advanced Treatments

ICICI Health Shield Plus covers advanced medical treatments, ensuring access to modern healthcare. It includes robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapies, and other cutting-edge procedures.

Co-payment

Health Shield Plus may include a copayment clause, requiring policyholders to pay a fixed percentage of the claim amount, especially for senior citizens or specific treatments. The exact copayment percentage varies based on policy terms.

Exclusions

Pre-existing conditions diagnosed or treated within 48 months before policy commencement are not covered.
Claims for specified diseases or procedures are excluded during the first 24 months of the policy.
Cosmetic procedures performed for aesthetic reasons, unless medically necessary due to an accident or illness, are not covered.
Maternity expenses, including childbirth and lawful termination of pregnancy, except for ectopic pregnancy, are excluded.
Routine dental treatments, including fillings and preventive care, unless required due to an accident, 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...