Family Shield Icici Lombard Plan
ICICI Lombard Health Insurance
Highlighted Features
Advanced Treatments
Covers modern medical procedures like oral chemotherapy, robotic surgeries, and stem cell therapy, ensuring access to cutting-edge healthcare.
Room Rent (Normal & ICU)
Hospital room costs, including ICU, are fully covered up to the sum insured, allowing flexible accommodation choices.
Brochure
Policy Wording
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Our Verdict
ICICI Lombard Family Shield provides coverage for infectious diseases, accidents, and death, with no medical exams up to 55 years. Ideal for families seeking affordable, hassle-free health protection.
About the Plan
The ICICI Lombard Family Shield is a comprehensive insurance policy covering hospitalization due to specific infectious diseases, accidental injuries, and death. It offers tax benefits under Section 80D of the Income Tax Act, flexible premium payment options, and periodic claim payments. Notably, no medical examinations are required for applicants up to 55 years of age. The policy is available to individuals aged 18 and above, with coverage starting from 3 months of age.
About the Plan
Features of the Product
Room Rent (Normal & ICU)
Normal: Covered Up to Sum Insured
ICU: Covered Up to Sum Insured
Advanced Treatments
Oral Chemotherapy
Robotic Surgeries
Stem Cell Therapy
Co-payment
Co payment is applicable as chosen by the insured.
It allows the insured to opt for 10% or 20% co-payment.
Waiting Periods
Initial waiting period: 30 days for all illnesses except accidents
Specific diseases: 24-month waiting period.
Pre-existing conditions: 36-month waiting period.
Cashless Healthcare Providers
10,000+ Healthcare Providers
Day Care Treatments
Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery or chemotherapy
AYUSH Treatment
Exclusions
Pre-existing diseases are not covered until the specified waiting period is completed.
Cosmetic or plastic surgery is excluded unless required due to an accident or life-threatening condition.
Maternity-related expenses, including childbirth, miscarriage (unless accidental), and pregnancy termination, are not covered.
Dental and eye treatments are excluded unless required due to an accident.
Unproven treatments, experimental or alternative procedures lacking medical documentation, are not covered.
Injuries from adventure sports are excluded unless specifically covered under an add-on.
Self-inflicted injuries, including suicide attempts, are not covered.
Injuries related to intoxication from alcohol, drugs, or other substances are excluded.
Infectious diseases transmitted by animals, such as viruses, parasites, or bacteria spread by insects or animals, are not covered.
Non-medically necessary hospitalizations, including admissions primarily for diagnosis or general check-ups, are excluded.
Exclusions
Adventure Sports Benefit - Coverage for injuries due to adventure sports under professional supervision.
Children’s Education Grant Benefit - Financial support for dependent children in case of the insured's death or disability.
On-Duty Enhanced Benefit - Additional coverage for accidental injuries sustained while on duty.
Home Tuition Benefit - Provides financial support for home tuition if a dependent child is injured.
Major Surgery Benefit - Lump sum payment for hospitalization and surgery due to an accident.
Broken Bones Benefit - Coverage for fractures resulting from accidents.
Comatose Benefit - Coverage if the insured enters a coma due to an accident.
Air Ambulance Benefit - Provides coverage for emergency air ambulance services.
Add-ons
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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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