
ICICI Lombard Golden Shield
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Expert Review: ICICI Lombard Health Insurance
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About
About ICICI Lombard Health Insurance
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.
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.
Cashless Healthcare Providers
10,896+ hospitals across India.
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.
Expenses related to venereal diseases or sexually transmitted diseases, except for HIV/AIDS, are excluded.
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