Family Shield Icici Lombard Plan
ICICI Lombard
8.4/10
OneAssure Rating
8.4/10
OneAssure Rating
Highlighted Features
Advanced Treatments
Covers modern medical procedures like oral chemotherapy, robotic surgeries, and stem cell therapy, ensuring access to cutting-edge healthcare.
Room Rent (Normal & ICU)
Hospital room costs, including ICU, are fully covered up to the sum insured, allowing flexible accommodation choices.
Brochure
Policy Wording
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Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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.
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.
- Initial waiting period: 30 days for all illnesses except accidents
Cashless Healthcare Providers
10,000+ Healthcare Providers
Daycare Treatment
Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery or chemotherapy
AYUSH Treatment
.
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.
Injuries from adventure sports are excluded unless specifically covered under an add-on.
Self-inflicted injuries, including suicide attempts, are not covered.
Injuries related to intoxication from alcohol, drugs, or other substances are excluded.
Infectious diseases transmitted by animals, such as viruses, parasites, or bacteria spread by insects or animals, are not covered.
Non-medically necessary hospitalizations, including admissions primarily for diagnosis or general check-ups, are excluded.
Exclusions
Related Variants
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Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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 a strong network of hospitals for cashless treatment. Many of its plans require minimal paperwork and no pre-policy medical check-ups, making it easy for customers to get insured. With digital tools for premium calculation, policy management, and instant claim assistance, ICICI Lombard combines technology with trusted service to make insurance accessible, simple, and dependable for every Indian.
About the Company
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