icici lombard health shield plus plan
ICICI Lombard Health Insurance
Highlighted Features
Room rent and ICU limit
Typically, the plan offers coverage for single private rooms for hospitalization, while ICU expenses are covered up to the sum insured without sub-limits.
Advanced treatments
Health Shield Plus covers advanced medical treatments, including robotic surgeries, stem cell therapy, organ transplants, and specialized cancer treatments like proton beam therapy.
Policy Wording
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Our Verdict
Health Shield Plus offers extensive coverage with add-ons like inflation protection, worldwide cover, and maternity benefits. Ideal for families and individuals seeking robust health insurance with customizable options, though add-ons may increase premiums.
About the Plan
Health Shield Plus is a comprehensive health insurance plan designed to provide extensive medical coverage, ensuring financial security during medical emergencies. It covers in-patient hospitalization, pre- and post-hospitalization expenses, daycare procedures, domiciliary treatment, and ambulance charges. The plan also includes coverage for advanced treatments like robotic surgeries and organ transplants. Policyholders benefit from a No Claim Bonus, sum insured restoration, and annual health check-ups. Additional features include AYUSH treatment coverage and optional add-ons to enhance protection, making it a well-rounded health insurance solution.
About the Plan
Features of the Product
Room Rent (Normal & ICU)
Normal: the plan offers coverage for single private rooms for hospitalization, while ICU expenses are covered up to the sum insured without sub-limits.
Advanced Treatments
ICICI Health Shield Plus covers advanced medical treatments, ensuring access to modern healthcare. It includes robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapies, and other cutting-edge procedures.
Co-payment
Health Shield Plus may include a copayment clause, requiring policyholders to pay a fixed percentage of the claim amount, especially for senior citizens or specific treatments. The exact copayment percentage varies based on policy terms.
Waiting Periods
Health Shield Plus includes a 30-day initial waiting period for general illnesses, a 24-month waiting period for specified diseases, and a 48-month waiting period for pre-existing conditions. Accidental hospitalization is covered immediately.
Cashless Healthcare Providers
10,896+ hospitals across India.
Day Care Treatments
Covered under the policy.
AYUSH Treatment
Exclusions
Pre-existing conditions diagnosed or treated within 48 months before policy commencement are not covered.
Claims for specified diseases or procedures are excluded during the first 24 months of the policy.
Cosmetic procedures performed for aesthetic reasons, unless medically necessary due to an accident or illness, are not covered.
Maternity expenses, including childbirth and lawful termination of pregnancy, except for ectopic pregnancy, are excluded.
Routine dental treatments, including fillings and preventive care, unless required due to an accident, are not covered.
Infertility treatments, assisted reproduction procedures like IVF, and sterility-related expenses are excluded.
Injuries resulting from self-harm, attempted suicide, or intentional injury are not covered.
Conditions or injuries caused by substance abuse, including alcohol, drugs, or other intoxicants, are excluded.
Injuries or illnesses due to war, acts of terrorism, civil unrest, or military operations are not covered.
Exclusions
Claim Protector - Covers non-payable items listed by IRDAI, ensuring comprehensive reimbursement during hospitalization.
Sum Insured Protector - Annually adjusts your sum insured based on the previous year's inflation rate, maintaining your coverage's real value.
Worldwide Cover - Provides coverage for hospitalization expenses incurred abroad, with a 10% co-pay, applicable for sums insured of ₹10 lakh and above.
Super No Claim Bonus - Increases your sum insured by 50% for each claim-free year, up to a specified limit, rewarding you for staying healthy.
Hospital Daily Cash - Pays a fixed amount for each completed day of hospitalization, aiding with incidental expenses during your hospital stay.
Convalescence Benefit - Provides a lump sum if hospitalization exceeds a specified number of consecutive days, assisting with recovery-related expenses.
Maternity and Newborn Baby Cover - Reimburses medical expenses for delivery and covers the newborn up to 91 days from birth, supporting growing families.
Outpatient Treatment Cover - Covers medical expenses incurred during outpatient visits, including consultations and diagnostic tests, reducing out-of-pocket costs.
Nursing at Home - Provides a fixed daily amount for post-hospitalization nursing services at home, ensuring continued care during recovery.
Compassionate Visit - Covers travel expenses for an immediate family member to visit the insured during extended hospitalizations, offering emotional support.
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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Frequently Asked Questions
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