How does the waiting period affect my coverage?

The Health Shield Plus plan includes a 30-day general waiting period, 48 months for pre-existing conditions, and 24 months for specific illnesses.

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

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

Does the Health Shield Plus plan cover treatment abroad?

The plan primarily covers treatment in India, but optional add-ons may provide limited international emergency coverage. Check with the insurer.

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Health Insurance

ICICI Lombard

Complete Health Insurance Health Shield Plus Plan

ICICI Lombard Health Shield Plus Plan

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

9.2

Customer Rating

Get a Quote

97.16

Claim Settlement Ratio

10601

Network Hospitals

9.2

Customer Rating

Our Verdict

Expert Review: ICICI Lombard Health Insurance

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Final Verdict

Health Shield Plus offers extensive coverage with add-ons like inflation protection, worldwide cover, and maternity benefits. Ideal for families and individuals seeking robust health insurance with customizable options, though add-ons may increase premiums.

About

About ICICI Lombard Health Insurance

Health Shield Plus is a comprehensive health insurance plan designed to provide extensive medical coverage, ensuring financial security during medical emergencies. It covers in-patient hospitalization, pre- and post-hospitalization expenses, daycare procedures, domiciliary treatment, and ambulance charges. The plan also includes coverage for advanced treatments like robotic surgeries and organ transplants. Policyholders benefit from a No Claim Bonus, sum insured restoration, and annual health check-ups. Additional features include AYUSH treatment coverage and optional add-ons to enhance protection, making it a well-rounded health insurance solution.

Health Shield Plus is a comprehensive health insurance plan designed to provide extensive medical coverage, ensuring financial security during medical emergencies. It covers in-patient hospitalization, pre- and post-hospitalization expenses, daycare procedures, domiciliary treatment, and ambulance charges. The plan also includes coverage for advanced treatments like robotic surgeries and organ transplants. Policyholders benefit from a No Claim Bonus, sum insured restoration, and annual health check-ups. Additional features include AYUSH treatment coverage and optional add-ons to enhance...

Inclusions and Exclusions

Inclusions and Exclusions of ICICI Lombard Insurance Company Limited

Room Rent

Normal: the plan offers coverage for single private rooms for hospitalization, while ICU expenses are covered up to the sum insured without sub-limits.

Advanced Treatments

ICICI Health Shield Plus covers advanced medical treatments, ensuring access to modern healthcare. It includes robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapies, and other cutting-edge procedures.

Co-payment

Health Shield Plus may include a copayment clause, requiring policyholders to pay a fixed percentage of the claim amount, especially for senior citizens or specific treatments. The exact copayment percentage varies based on policy terms.

Waiting Period

Health Shield Plus includes a 30-day initial waiting period for general illnesses, a 24-month waiting period for specified diseases, and a 48-month waiting period for pre-existing conditions. Accidental hospitalization is covered immediately.

Cashless Healthcare Providers

10,896+ hospitals across India.

Daycare Treatment

Covered under the policy.

AYUSH Treatment

.

Room Rent

Normal: the plan offers coverage for single private rooms for hospitalization, while ICU expenses are covered up to the sum insured without sub-limits.

Advanced Treatments

ICICI Health Shield Plus covers advanced medical treatments, ensuring access to modern healthcare. It includes robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapies, and other cutting-edge procedures.

Co-payment

Health Shield Plus may include a copayment clause, requiring policyholders to pay a fixed percentage of the claim amount, especially for senior citizens or specific treatments. The exact copayment percentage varies based on policy terms.

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Exclusions

Pre-existing conditions diagnosed or treated within 48 months before policy commencement are not covered.
Claims for specified diseases or procedures are excluded during the first 24 months of the policy.
Cosmetic procedures performed for aesthetic reasons, unless medically necessary due to an accident or illness, are not covered.
Maternity expenses, including childbirth and lawful termination of pregnancy, except for ectopic pregnancy, are excluded.
Routine dental treatments, including fillings and preventive care, unless required due to an accident, are not covered.
Infertility treatments, assisted reproduction procedures like IVF, and sterility-related expenses are excluded.
Injuries resulting from self-harm, attempted suicide, or intentional injury are not covered.
Conditions or injuries caused by substance abuse, including alcohol, drugs, or other intoxicants, 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...