ICICI Lombard Health Shield Plus Plan
ICICI Lombard
9.2/10
OneAssure Rating
9.2/10
OneAssure Rating
Highlighted Features
Room rent and ICU limit
Typically, 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
Health Shield Plus covers advanced medical treatments, including robotic surgeries, stem cell therapy, organ transplants, and specialized cancer treatments like proton beam therapy.
Policy Wording
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Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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
.
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.
Injuries or illnesses due to war, acts of terrorism, civil unrest, or military operations are not covered.
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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