How does the waiting period affect my coverage?

The policy has a 30-day initial wait, 24 months for specific diseases, and 36 months for pre-existing conditions.

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

This policy does not offer a no-claim bonus but provides coverage for specified illnesses and accidents.

Will my health insurance cover treatment abroad?

The policy does not cover treatment abroad; all benefits apply only within India.

OneAssure

Health Insurance

ICICI Lombard

Criti Shield Family Shield

Family Shield Icici Lombard 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

8.4

Customer Rating

Policy Brochure

Policy Policy Wording

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97.16

Claim Settlement Ratio

9000

Network Hospitals

8.4

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: ICICI Lombard Health Insurance

Final Verdict

ICICI Lombard Family Shield provides coverage for infectious diseases, accidents, and death, with no medical exams up to 55 years. Ideal for families seeking affordable, hassle-free health protection.

About

About ICICI Lombard Health Insurance

The ICICI Lombard Family Shield is a comprehensive insurance policy covering hospitalization due to specific infectious diseases, accidental injuries, and death. It offers tax benefits under Section 80D of the Income Tax Act, flexible premium payment options, and periodic claim payments. Notably, no medical examinations are required for applicants up to 55 years of age. The policy is available to individuals aged 18 and above, with coverage starting from 3 months of age.

Family Shield Ratings

Family Shield

Insurer Rating

0

out of 10

Insurance Rating

5.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

No

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: Covered Up to Sum Insured
ICU: Covered Up to Sum Insured

Advanced Treatments

Oral Chemotherapy
Robotic Surgeries
Stem Cell Therapy

Co-payment

Co payment is applicable as chosen by the insured.
It allows the insured to opt for 10% or 20% co-payment.

Cashless Healthcare Providers

10,000+ Healthcare Providers

Waiting Period

Initial waiting period: 30 days for all illnesses except accidents
Specific diseases: 24-month waiting period.
Pre-existing conditions: 36-month waiting period.

Daycare Treatment

Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery or chemotherapy

AYUSH Treatment

.

Room Rent

Normal: Covered Up to Sum Insured
ICU: Covered Up to Sum Insured

Advanced Treatments

Oral Chemotherapy
Robotic Surgeries
Stem Cell Therapy

Co-payment

Co payment is applicable as chosen by the insured.
It allows the insured to opt for 10% or 20% co-payment.

Exclusions

Pre-existing diseases are not covered until the specified waiting period is completed.
Cosmetic or plastic surgery is excluded unless required due to an accident or life-threatening condition.
Maternity-related expenses, including childbirth, miscarriage (unless accidental), and pregnancy termination, are not covered.
Dental and eye treatments are excluded unless required due to an accident.
Unproven treatments, experimental or alternative procedures lacking medical documentation, 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...