Does this plan cover advanced modern medical procedures and precision surgeries?

Yes, completely. Healthcare tech has advanced rapidly, and the Health Shield plan ensures you have financial access to cutting-edge medicine. The policy covers modern procedures up to your total sum insured layout, including robotic surgeries, stem cell therapy, immunotherapy, and advanced cancer treatments.

Are minor treatments covered if I don't occupy a hospital bed overnight?

Absolutely. Many treatments wrap up in just a few hours thanks to modern medical advancements. The plan provides complete coverage for listed daycare treatments requiring less than 24-hour hospitalization, allowing you to undergo the required procedure and head back home the same day without affecting your claim eligibility.

Can I include alternative or holistic healing paths under this cover?

Yes, AYUSH treatments (including Ayurveda, Yoga, Unani, Siddha, and Homeopathy) are eligible for coverage. If you prefer holistic alternative medicine over conventional allopathic care, your treatment expenses are covered provided they are administered at a government-recognized institution or an accredited medical facility.

How does the waiting period affect my coverage?

The ICICI Lombard Health Shield plan includes a 30-day initial waiting period, except for accidental claims. Pre-existing conditions are covered after 24 to 48 months, while specific illnesses may have a waiting period of up to 24 months.

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

If no claims are made in a policy year, you may receive a No Claim Bonus (NCB), increasing your sum insured by a fixed percentage, up to a specified limit, at no extra cost.

Will my health insurance cover treatment abroad?

The ICICI Lombard Health Shield plan primarily covers treatments within India. However, optional add-ons may provide limited coverage for medical emergencies abroad. Checking with the insurer is advisable for global coverage options.

OneAssure

Health Insurance

ICICI Lombard

Complete Health Insurance Health Shield

Health Shield

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

8.8

Customer Rating

Policy Brochure

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97.16

Claim Settlement Ratio

9000

Network Hospitals

8.8

Customer Rating

Policy Brochure

Our Verdict

Expert Review: ICICI Lombard Health Insurance

Final 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

About ICICI Lombard Health Insurance

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.

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...

Health Shield Ratings

Health Shield

Insurer Rating

0

out of 10

Insurance Rating

6.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

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: 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.

Cashless Healthcare Providers

10,896+ hospitals across India.

Daycare Treatment

Covered under the policy.

AYUSH Treatment

Covered under this policy

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.

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.

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.

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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...