ICICI Lombard Golden Shield
ICICI Lombard
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
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 Period
- 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.
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Room Rent
ICICI Lombard's Health Shield plan offers comprehensive coverage with no specific capping on room rent or ICU charges.
Cashless Healthcare Providers
10,896+ hospitals across India.
Daycare Treatment
Covered under the policy.
AYUSH Treatment
Covered under this policy
Advanced Treatments
The plan covers advanced treatments like robotic surgeries, immunotherapy, oral chemotherapy, stem cell therapy, and minimally invasive procedures for various conditions.
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
Related Variants
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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 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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