Does Criti Shield Plus cover pre-existing critical illnesses?

No. Critical illnesses arising from pre-existing diseases are excluded under the policy. Claims arising from undisclosed pre-existing conditions are also not covered.

What makes Criti Shield Plus different from regular critical illness plans?

The plan allows claims across five different illness buckets and covers both major and minor critical illnesses. Major illnesses receive 100% payout while minor illnesses receive 25% payout of the applicable sum insured.

Is there a survival period after diagnosis?

No. The policy specifically states that there is no survival period requirement after diagnosis. However, a 90-day waiting period applies from policy inception.

What is the Cancer Restore Benefit?

Cancer Restore is an optional add-on benefit. If a policyholder suffers a cancer relapse after the specified waiting period and continues renewal, they may become eligible for a subsequent claim under the restore benefit subject to policy terms.

OneAssure

Health Insurance

ICICI Lombard

Criti Shield Plus

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

0

Customer Rating

Policy Brochure

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97.16%

Claim Settlement Ratio

9000+

Network Hospitals

0

Customer Rating

Policy Brochure

Our Verdict

Expert Review: ICICI Lombard Criti Shield Plus

Final Verdict

Criti Shield Plus is a critical illness plan offering coverage for 92 illnesses with severity-based payouts, multi-claim benefits, and optional cancer restore and accident protection.

About

About ICICI Lombard Criti Shield Plus

ICICI Lombard Criti Shield Plus is a critical illness insurance plan that provides lump-sum payouts upon diagnosis of covered critical illnesses. The policy covers 92 major and minor critical illnesses grouped into five categories: Cancer & Blood Disorders, Heart & Blood Vessels, Major Organs, Nervous System, and Other Illnesses. It offers severity-based payouts, multi-claim capability across illness buckets, and optional benefits such as surgical procedure cover, personal accident cover, and cancer restore benefit. The plan is designed to help individuals manage financial obligations arising from serious medical conditions.

ICICI Lombard Criti Shield Plus is a critical illness insurance plan that provides lump-sum payouts upon diagnosis of covered critical illnesses. The policy covers 92 major and minor critical illnesses grouped into five categories: Cancer & Blood Disorders, Heart & Blood Vessels, Major Organs, Nervous System, and Other Illnesses. It offers severity-based payouts, multi-claim capability across illness buckets, and optional benefits such as surgical procedure cover, personal accident cover, and cancer restore benefit. The plan...

Criti Shield Plus Ratings

Ratings: ICICI Lombard Criti Shield Plus

Insurer Rating

8.88

out of 10

Insurance Rating

5.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

No

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 Criti Shield Plus

Room Rent

Normal: Not Applicable
ICU: Not Applicable

Advanced Treatments

Bone Marrow Transplant
Major Organ Transplant
Open Chest CABG
Open Heart Valve Replacement/Repair
Surgery of Aorta
Angioplasty
Balloon Valvotomy / Valvuloplasty
Cardiac Defibrillator Insertion
Carotid Artery Surgery
Small Bowel Transplant

Co-payment

Not Applicable

Cashless Healthcare Providers

Not Applicable

Waiting Period

Initial Waiting Period: 90 Days
Pre-existing Disease Waiting Period: Pre-existing diseases are excluded

Daycare Treatment

Not Applicable

AYUSH Treatment

Not Mentioned

Room Rent

Normal: Not Applicable
ICU: Not Applicable

Advanced Treatments

Bone Marrow Transplant
Major Organ Transplant
Open Chest CABG
Open Heart Valve Replacement/Repair
Surgery of Aorta
Angioplasty
Balloon Valvotomy / Valvuloplasty
Cardiac Defibrillator Insertion
Carotid Artery Surgery
Small Bowel Transplant

Co-payment

Not Applicable

Exclusions

Not available

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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...