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.

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Health Insurance

ICICI Lombard

Criti Shield Plus

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

0

Customer Rating

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97.16

Claim Settlement Ratio

10601

Network Hospitals

0

Customer Rating

Our Verdict

Expert Review: ICICI Lombard Health Insurance

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 Health Insurance

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...

Inclusions and Exclusions

Inclusions and Exclusions of ICICI Lombard Insurance Company Limited

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

Waiting Period

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

Cashless Healthcare Providers

Not Applicable

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

Pageof 3

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 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...