ICICI Lombard Golden Shield
ICICI Lombard Health Insurance
8.3/10
OneAssure Rating
8.3/10
OneAssure Rating
Highlighted Features
Day Care Treatments
The policy covers specified day care treatments up to the sum insured, including procedures requiring less than 24 hours of hospitalization.
Advanced Treatments
These treatments are covered up to the annual sum insured, with specific sub-limits applicable for certain procedures.
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Our Verdict
ICICI Lombard's Golden Shield offers ₹50 lakh coverage with benefits like cashless treatment and AYUSH care. Ideal for seniors 56+ seeking comprehensive support, though the 50% co-payment may add financial strain.
About the Plan
ICICI Lombard's Golden Shield is a health insurance plan tailored for senior citizens aged 56 and above. It offers coverage for hospitalization, pre-existing conditions after 24 months, and includes benefits like annual health check-ups and cashless treatment across a vast hospital network. The plan provides a sum insured up to ₹50 lakh, with a mandatory 50% co-payment. Additional features include a reset benefit, domiciliary hospitalization, and coverage for AYUSH treatments, ensuring comprehensive healthcare support for the elderly.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
ICICI Lombard's Health Shield plan offers comprehensive coverage with no specific capping on room rent or ICU charges.
Advanced Treatments
The plan covers advanced treatments like robotic surgeries, immunotherapy, oral chemotherapy, stem cell therapy, and minimally invasive procedures for various conditions.
Co-payment
The ICICI Lombard Golden Shield plan includes a mandatory 50% co-payment, meaning policyholders are responsible for half of the admissible claim amount, while the insurer covers the remaining 50%. This co-payment applies to all claims made under the policy.
Waiting Periods
Initial Waiting Period: 30 days from the policy start date, except for accidental hospitalization.
Pre-Existing Disease (PED) Waiting Period: 3 years before coverage begins.
Specific Disease Waiting Period: 2 years for certain listed illnesses and treatments.
Maternity & Newborn Waiting Period: Not covered under this plan.
Cashless Healthcare Providers
10,896+ hospitals across India.
Day Care Treatments
Covered under the policy.
AYUSH Treatment
Covered under this policy
Exclusions
Pre-existing diseases are not covered until after a 24-month waiting period.
Self-inflicted injuries or attempted suicide are excluded from coverage.
Treatment for alcohol or drug addiction is not covered under the policy.
Cosmetic or plastic surgery expenses, unless medically necessary due to an accident, are excluded.
Non-accidental dental treatments are not covered.
Expenses related to venereal diseases or sexually transmitted diseases, except for HIV/AIDS, are excluded.
Expenses related to venereal diseases or sexually transmitted diseases, except for HIV/AIDS, are excluded.
Hospitalization without a doctor's prescription is not covered.
Alternative therapies like acupressure, acupuncture, and magnetic therapy are excluded.
Treatment outside India is not covered under the policy.
War-related injuries or those resulting from civil unrest are excluded.
Obesity and weight control procedures are not covered.
Dietary supplements and substances purchased without a prescription are excluded.
Exclusions
Critical Illness Cover - Provides a lump sum payout if diagnosed with specified critical illnesses like cancer, heart attack, or stroke.
Personal Accident Cover - Offers financial support in case of accidental death or disability.
Hospital Cash Benefit - Provides a daily cash allowance during hospitalization to cover incidental expenses.
Maternity and Newborn Cover - Covers maternity expenses, childbirth-related complications, and newborn baby care.
OPD & Dental Care Cover - Reimburses expenses for outpatient consultations, diagnostics, dental treatments, and preventive healthcare.
Room Rent Waiver - Removes sub-limits on hospital room rent, allowing flexibility in choosing any hospital room.
Add-ons
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About the Company
ICICI Lombard is a leading private sector general insurance company in India, offering a comprehensive range of products, including health, motor, travel, and home insurance, through multiple distribution channels.
Their Elevate Health Policy is a customizable health insurance plan designed to provide extensive coverage for hospitalization and daycare treatments. Key features include unlimited reset of the sum insured, cashless approval within two hours, and a 30% discount on renewals for active living. Additionally, the plan offers a 100% increase in the sum insured every year and unlimited sum insured on any one claim during the policy lifetime, ensuring policyholders have access to necessary medical care without financial strain.
CEO and MD of ICICI Lombard general insurance company limited, Mr Sanjeev Mantri ensures that their vision and values align with providing a financial cushion to the policyholders during any health crisis.
About the Company
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