How does the waiting period affect my coverage?

The ICICI Golden Shield plan has a 30-day waiting period, except for accidental injuries, with pre-existing conditions covered after 48 months.

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

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

Does the ICICI Golden Shield plan cover treatment abroad?

The plan primarily covers treatment in India and does not provide international coverage unless specified under optional add-ons.

Does ICICI Lombard Golden Shield cover pre-existing conditions?

Yes, the ICICI Lombard Golden Shield plan covers pre-existing conditions after a 24-month waiting period.

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Health Insurance

ICICI Lombard

Golden Shield

ICICI Lombard Golden 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

8.3

Customer Rating

Brochure

Get a Quote

97.16%

Claim Settlement Ratio

10601+

Network Hospitals

8.3

Customer Rating

Brochure

Our Verdict

Expert Review: ICICI Lombard Health Insurance

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Final Verdict

ICICI Lombard's Golden Shield offers ₹50 lakh coverage with benefits like cashless treatment and AYUSH care. Ideal for seniors 56+ seeking comprehensive support, though the 50% co-payment may add financial strain.

About

About ICICI Lombard Health Insurance

ICICI Lombard's Golden Shield is a health insurance plan tailored for senior citizens aged 56 and above. It offers coverage for hospitalization, pre-existing conditions after 24 months, and includes benefits like annual health check-ups and cashless treatment across a vast hospital network. The plan provides a sum insured up to ₹50 lakh, with a mandatory 50% co-payment. Additional features include a reset benefit, domiciliary hospitalization, and coverage for AYUSH treatments, ensuring comprehensive healthcare support for the elderly.

ICICI Lombard's Golden Shield is a health insurance plan tailored for senior citizens aged 56 and above. It offers coverage for hospitalization, pre-existing conditions after 24 months, and includes benefits like annual health check-ups and cashless treatment across a vast hospital network. The plan provides a sum insured up to ₹50 lakh, with a mandatory 50% co-payment. Additional features include a reset benefit, domiciliary hospitalization, and coverage for AYUSH treatments, ensuring comprehensive healthcare support for...

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.

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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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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...