Health Shield
ICICI Lombard Health Insurance
Highlighted Features
Advanced Treatments
The Health Shield plan covers advanced treatments like robotic surgeries, stem cell therapy (if medically necessary), oral chemotherapy, and modern minimally invasive procedures, ensuring access to cutting-edge medical care for better treatment outcomes
Room Rent (Normal & ICU)
The Health Shield plan offers coverage for room rent and ICU charges as per policy terms. Room rent limits may vary, while ICU expenses are typically covered up to the sum insured.
Brochure
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Our Verdict
Health Shield offers comprehensive coverage with modern treatment benefits, cashless hospitalization, and optional add-ons. Ideal for individuals and families seeking extensive healthcare protection with lifelong renewability.
About the Plan
Health Shield is a comprehensive health insurance plan designed to provide financial protection against medical expenses. It covers hospitalization, pre- and post-hospitalization costs, daycare treatments, and ambulance charges. The plan includes coverage for advanced treatments like robotic surgeries and modern procedures. Policyholders benefit from annual health check-ups, cashless hospitalization, and a No Claim Bonus for staying claim-free. Optional add-ons enhance coverage, including critical illness and personal accident riders. With flexible sum insured options and lifelong renewability, Health Shield ensures complete healthcare security.
About the Plan
Features of the Product
Room Rent (Normal & ICU)
Normal: Health Shield offers room rent and ICU coverage without sub-limits, ensuring full financial support for hospitalization, including intensive care expenses.
Advanced Treatments
Covers advanced treatments, including robotic surgeries, stem cell therapy, immunotherapy, and modern cancer treatments
Co-payment
10% of copay will be applied to every admissible claim.
Waiting Periods
Initial Waiting Period – 30 days from policy inception, except for accidental injuries.
Pre-Existing Diseases (PED) – Covered after 2 years of continuous policy coverage.
Specified Illnesses & Treatments – A waiting period of 2 years applies to certain listed conditions and procedures.
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 during the waiting period.
Injuries or illnesses caused by self-inflicted harm, suicide attempts, or substance abuse are excluded.
Cosmetic or aesthetic procedures, unless medically necessary due to accidents, are not covered.
Treatment for obesity, weight control, or related surgeries is excluded.
Injuries or conditions arising from participation in hazardous sports or activities are not covered.
Experimental, unproven, or investigational treatments are excluded from coverage.
Non-prescribed vitamins, supplements, and alternative treatments without medical evidence are not covered.
Dental, hearing, and vision treatments are excluded unless arising from an accident.
Treatment for sexually transmitted diseases, HIV/AIDS, and related conditions are not covered.
Congenital diseases or genetic disorders are excluded from coverage.
Expenses related to fertility treatments, infertility, or birth control procedures are not covered.
War, terrorism-related injuries, or nuclear exposure treatments are excluded.
Unproven stem cell therapy or regenerative treatments are not covered.
Hospitalization primarily for diagnostic or evaluation purposes without active treatment is excluded.
Exclusions
Critical Illness Cover - Provides a lump sum payout upon diagnosis of specified critical illnesses like cancer, stroke, or heart attack, ensuring financial stability during treatment.
Accidental Death Benefit - Offers an additional payout in case of accidental death, providing extra financial security for the insured’s family.
Hospital Cash Benefit - Pays a fixed daily cash allowance for each day of hospitalization, helping manage non-medical expenses.
Maternity and Newborn Cover - Covers maternity-related expenses, delivery costs, and newborn baby care, ensuring comprehensive financial protection for expecting mothers.
Personal Accident Cover - Provides coverage for accidental death or disability, ensuring financial support for the insured and their dependents.
OPD and Wellness Cover - Covers outpatient consultations, diagnostic tests, and prescribed medicines, promoting preventive healthcare and early diagnosis.
Home Healthcare Benefit - Covers medical treatment received at home under a doctor’s supervision, reducing the need for hospital visits.
AYUSH Treatment Cover - Extends coverage for alternative treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy, offering holistic healthcare options.
Add-ons
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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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