How does the waiting period affect my coverage?

The ICICI Lombard Health Shield plan includes a 30-day initial waiting period, except for accidental claims. Pre-existing conditions are covered after 24 to 48 months, while specific illnesses may have a waiting period of up to 24 months.

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

If no claims are made in a policy year, you may receive a No Claim Bonus (NCB), increasing your sum insured by a fixed percentage, up to a specified limit, at no extra cost.

Will my health insurance cover treatment abroad?

The ICICI Lombard Health Shield plan primarily covers treatments within India. However, optional add-ons may provide limited coverage for medical emergencies abroad. Checking with the insurer is advisable for global coverage options.

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Health Insurance

ICICI Lombard

Complete Health Insurance Health Shield

Health Shield

Experience India's most trusted health insurance with ICICI Lombard Health Insurance. Get instant cashless treatment at 10601 network hospitals with sum insured up to ₹50 lakhs.

97.16

Claim Settlement Ratio

10601

Network Hospitals

8.8

Customer Rating

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97.16

Claim Settlement Ratio

10601

Network Hospitals

8.8

Customer Rating

Our Verdict

Expert Review: ICICI Lombard Health Insurance

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Final Verdict

Health Shield offers comprehensive coverage with modern treatment benefits, cashless hospitalization, and optional add-ons. Ideal for individuals and families seeking extensive healthcare protection with lifelong renewability.

About

About ICICI Lombard Health Insurance

Health Shield is a comprehensive health insurance plan designed to provide financial protection against medical expenses. It covers hospitalization, pre- and post-hospitalization costs, daycare treatments, and ambulance charges. The plan includes coverage for advanced treatments like robotic surgeries and modern procedures. Policyholders benefit from annual health check-ups, cashless hospitalization, and a No Claim Bonus for staying claim-free. Optional add-ons enhance coverage, including critical illness and personal accident riders. With flexible sum insured options and lifelong renewability, Health Shield ensures complete healthcare security.

Health Shield is a comprehensive health insurance plan designed to provide financial protection against medical expenses. It covers hospitalization, pre- and post-hospitalization costs, daycare treatments, and ambulance charges. The plan includes coverage for advanced treatments like robotic surgeries and modern procedures. Policyholders benefit from annual health check-ups, cashless hospitalization, and a No Claim Bonus for staying claim-free. Optional add-ons enhance coverage, including critical illness and personal accident riders. With flexible sum insured options and lifelong...

Inclusions and Exclusions

Inclusions and Exclusions of ICICI Lombard Insurance Company Limited

Room Rent

Normal: Health Shield offers room rent and ICU coverage without sub-limits, ensuring full financial support for hospitalization, including intensive care expenses.

Advanced Treatments

Covers advanced treatments, including robotic surgeries, stem cell therapy, immunotherapy, and modern cancer treatments

Co-payment

10% of copay will be applied to every admissible claim.

Waiting Period

Initial Waiting Period – 30 days from policy inception, except for accidental injuries.
Pre-Existing Diseases (PED) – Covered after 2 years of continuous policy coverage.
Specified Illnesses & Treatments – A waiting period of 2 years applies to certain listed conditions and procedures.

Daycare Treatment

Covered under the policy.

AYUSH Treatment

Covered under this policy

Cashless Healthcare Providers

10,896+ hospitals across India.

Room Rent

Normal: Health Shield offers room rent and ICU coverage without sub-limits, ensuring full financial support for hospitalization, including intensive care expenses.

Advanced Treatments

Covers advanced treatments, including robotic surgeries, stem cell therapy, immunotherapy, and modern cancer treatments

Co-payment

10% of copay will be applied to every admissible claim.

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Exclusions

Pre-existing diseases are not covered during the waiting period.
Injuries or illnesses caused by self-inflicted harm, suicide attempts, or substance abuse are excluded.
Cosmetic or aesthetic procedures, unless medically necessary due to accidents, are not covered.
Treatment for obesity, weight control, or related surgeries is excluded.
Injuries or conditions arising from participation in hazardous sports or activities are not covered.
Experimental, unproven, or investigational treatments are excluded from coverage.
Non-prescribed vitamins, supplements, and alternative treatments without medical evidence are not covered.
Dental, hearing, and vision treatments are excluded unless arising from an accident.

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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 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...

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...