Health Shield
ICICI Lombard
8.8/10
OneAssure Rating
8.8/10
OneAssure Rating
Highlighted Features
Advanced Treatments
The Health Shield plan covers advanced treatments like robotic surgeries, stem cell therapy (if medically necessary), oral chemotherapy, and modern minimally invasive procedures, ensuring access to cutting-edge medical care for better treatment outcomes
Room Rent (Normal & ICU)
The Health Shield plan offers coverage for room rent and ICU charges as per policy terms. Room rent limits may vary, while ICU expenses are typically covered up to the sum insured.
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Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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.
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.
Treatment for sexually transmitted diseases, HIV/AIDS, and related conditions are not covered.
Congenital diseases or genetic disorders are excluded from coverage.
Expenses related to fertility treatments, infertility, or birth control procedures are not covered.
War, terrorism-related injuries, or nuclear exposure treatments are excluded.
Unproven stem cell therapy or regenerative treatments are not covered.
Hospitalization primarily for diagnostic or evaluation purposes without active treatment is 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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