ICICI Lombard Golden Shield Plan
  • Care Management Program
  • 50 L SI Available
  • Modification of Co-Pay
ICICI Lombard Health Insurance
premium

Network hospitals

7500+

premium

Incurred claim ratio

77.33%

premium

Sum insured

Up to 1 CR

premium

No. of Plans

8

premium

Solvency Ratio

2.5

premium

Pan India Presence

300+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

7500+

premium

Incurred claim ratio

77.33%

premium

Sum insured

Up to 1 CR

premium

No. of Plans

8

premium

Solvency Ratio

2.5

premium

Pan India Presence

300+

ICICI Lombard Golden Shield Policy

Golden Shield Plan by ICICI Lombard is designed especially for senior citizens and to cater to all their health care needs. With growing age, the human body is prone to illnesses and diseases which is why it is essential to provide the best medical care needed. Keeping senior citizens in mind, ICICI Lombard Golden Shield Plan was designed for individuals aged 56 years and above. Like all healthcare plans, Golden Shield by ICICI Lombard covers unpredicted medical emergencies and hospitalization expenses. The plan offers a high sum insured with various features included in the policy:

  • Reset Benefit
  • Coverage for ambulance
  • Cashless Hospitalization
  • Care Management Program
  • AYUSH Treatments, and more.

ICICI Lombard Golden Shield also provides insured individuals with optional coverage features like a claim protector, modification of base co-payment, and voluntary deductibles. To understand more about the plan read the article thoroughly.

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ICICI Lombard Golden Shield Eligibility Criteria

The eligibility criteria for the senior citizen plan by ICICI Lombard are provided in the table mentioned below:

Entry Age

Minimum: 56 Years

Adult Entry Age

Maximum: No Limit

Sum Insured

5 to 50 Lakhs

Plan Type

Individual/ Family Floater

Policy Term

1/2/3 Years

Initial Waiting Period*

30 Days

ICICI Lombard Golden Shield Plan

When purchasing the Golden Shield by ICICI Lombard insured individuals are entitled to a plethora of benefits as mentioned in the policy schedule. We are listing down a few for a better understanding:

  • Care Management Program

     An optional feature included within the Golden Shield Plan by ICICI Lombard wherein the policyholder gets benefits like teleconsultations, e-counseling, care calls, health assistance, discounts on services/products, goal-based incentives, and many more such benefits.

  • Claim Protector Benefit

     Under the claim protector benefit, if a claim has been accepted under the inpatient hospitalization cover, then the items that are not payable under the claim as per the list of excluded items released by IRDAI that are related to the particular claim will become payable.

  • Voluntary Deductibles

     When this add-on benefit is opted for the deductible will be applicable on an aggregate basis for all hospitalization expenses during the policy year. The voluntary deductible option available will be 20% of the annual sum insured opted.

  • Reset Benefit

     Insured individuals can avail of a reset of the annual sum insured up to 100% of the annual sum insured unlimited times for all future claims within the same policy year not related to the illness/disease/injury for which a claim has been paid for the same insured person.

  • Tax Benefits

     Premiums paid towards the ICICI Lombard Golden Shield Plan are eligible for tax benefits as per the Income Tax Act of 1961.

Choose Your ICICI Lombard Golden Shield Plan

When purchasing the Golden Shield Plan by ICICI Lombard insured individuals can opt between a variety of sum-insured options available that are mentioned below:

What is Room Rent?

Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under ICICI Lombard Golden Shield Plan?

Under the ICICI Lombard Golden Shield Plan, the room rent is covered up to a Twin sharing room (for an Annual Sum Insured below 10 Lacs and a Single private AC room for an annual sum insured of 10L and above).

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under ICICI Lombard Golden Shield Plan?

Under the ICICI Lombard Golden Shield Plan, ICU charges are covered.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under ICICI Lombard Golden Shield Plan?

Under the ICICI Lombard Golden Shield Plan, pre-hospitalization is covered for up to 60 days.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under ICICI Lombard Golden Shield Plan?

ICICI Lombard Golden Shield Plan covers medical expenses incurred during post-hospitalization for 180 Days.

What is Domiciliary Hospitalization?

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.

Coverage status under ICICI Lombard Golden Shield Plan?

ICICI Lombard Golden Shield Plan covers domiciliary hospitalizations.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under ICICI Lombard Golden Shield Plan?

ICICI Lombard Golden Shield Plan covers the expenses of all daycare procedures.

What are OPD charges?

The cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under ICICI Lombard Golden Shield Plan?

OPD charges are covered under the ICICI Lombard Golden Shield Plan as a part of the optional Care Management Plus program.

What is COVID-19 Treatment?

Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under ICICI Lombard Golden Shield Plan?

Covid-19 Covered.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under ICICI Lombard Golden Shield Plan?

ICICI Lombard Golden Shield Plan covers Cataract Treatment

  • 5 L SI - Up to 25,000/ eye
  • 10L/15L/20L SI - Up to 50,000/ eye
  • >20L SI - Up to 75,000/ eyE
What is a No-Claim Bonus?

This plan offers a 50% increment in the sum insured at the time of renewal after a claim-free year. In case of a claim, the bonus amount added to your SI will be decreased by 50%.

Coverage status under ICICI Lombard Golden Shield Plan?

ICICI Lombard Golden Shield Plan offers a no-claim bonus of 10% of the sum insured for each claim-free year up to a maximum of 100% of SI.

What is Automatic Restoration?

Automatic restoration equal to 100% of your selected SI amount is provided under this plan if the basic sum insured and the multiplier benefit get exhausted.

Coverage status under ICICI Lombard Golden Shield Plan?

ICICI Lombard Golden Shield Plan offers automatic restoration up to 100% of SI.

What is Daily Hospital Cash?

It is a cash amount that you will get each day during the time of hospitalization.

Coverage status under ICICI Lombard Golden Shield Plan?

The Daily hospital cash is not available under the ICICI Lombard Golden Shield Plan.

What is an Organ Donor Cover?

Your health plan will cover the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under ICICI Lombard Golden Shield Plan?

Under ICICI Lombard Golden Shield Plan the organ donor expenses are covered up to INR 10,00,000.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under ICICI Lombard Golden Shield Plan?

Under the ICICI Lombard Golden Shield Plan, Maternity Cover is not available.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new borncover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under ICICI Lombard Golden Shield Plan?

Under the ICICI Lombard Golden Shield Plan, the newborn baby cover is not available.

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under ICICI Lombard Golden Shield Plan?

Under the ICICI Lombard Golden Shield Plan, AYUSH treatment is covered up to SI.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under ICICI Lombard Golden Shield Plan?

Under the ICICI Lombard Golden Shield Plan, IVF is not available.

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under ICICI Lombard Golden Shield Plan?

Under the ICICI Lombard Golden Shield Plan, modern treatments are covered up to SI.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under ICICI Lombard Golden Shield Plan?

Under the ICICI Lombard Golden Shield Plan, ambulance cover is available up to 1% of SI up to a maximum of Rs 10,000/-

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under ICICI Lombard Golden Shield Plan?

Under the ICICI Lombard Golden Shield Plan, the air ambulance is covered.

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under ICICI Lombard Golden Shield Plan?

Under the ICICI Lombard Golden Shield Plan, compassionate travel is not covered.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under ICICI Lombard Golden Shield Plan?

Under the ICICI Lombard Golden Shield Plan, global coverage is not covered.

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under ICICI Lombard Golden Shield Plan?

Under the ICICI Lombard Golden Shield Plan, E-consultation is covered.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.

Coverage status under ICICI Lombard Golden Shield Plan?

Under the ICICI Lombard Golden Shield Plan, a health check-up is available.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.

Coverage status under ICICI Lombard Golden Shield Plan?

ICICI Lombard Golden Shield Plan covers the expenses for a second medical opinion.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under ICICI Lombard Golden Shield Plan?

ICICI Lombard Golden Shield Plan does not cover vaccination expenses.

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under ICICI Lombard Golden Shield Plan?

On additional premium payment, insured individuals can reduce the base co-pay from 50% to 10, 20, 30, and 40 % co-pay applicable on all claims under the ICICI Lombard Golden Shield Plan.

What is the Sub limit?

Sub-limits are the specific limits set in an insurance policy for its various features. For example, there are usually sub-limits set on room rent, OPD, doctor’s fees, ambulance charges, family visits, etc. Small amounts of the total sum insured are allotted to different features that the policy comes with and exceeding these amounts leads to out-of-pocket expenses from the policyholder.

Status under ICICI Lombard Golden Shield Plan?

Sub-limits are not applicable.

ICICI Lombard Golden Shield Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under the ICICI Lombard Golden Shield policy are mentioned below:

Obesity and weight management surgeries

Change of gender treatments

Cosmetic or plastic surgeries

Treatments due to substance abuse

Sterility and Infertility- related treatments

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details given below in order to understand the same:

Pre-Existing Diseases 48 Months

Listed Ailments 48 Months

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Conclusion

In your senior years, it is imperative that you take better care of your health and wellness in order to live a long, fulfilling life. However, emergency medical expenses and complications sometimes arise without a warning. Golden Shield Plan by ICICI Lombard offers multiple health care features making sure that insured individuals have access to efficient medical care. With features like a care management program, air ambulance, a high sum insured ranging up to INR 50 Lakhs, and a co-pay reduction option the plan is an ideal plan for senior citizens.

Explore more plans from ICICI Lombard

ICICI Lombard Insurance company offers several tailored health plans that are designed to serve you in the best way possible. Take a look:

Standard Health Insurance

ICICI Arogya Sanjeevani Policy

A standard Health plan that offers coverage up to 5 lakhs to the insured & his family. The plan offers you everything you need under a health insurance plan.

Unique Features

  • Cumulative Bonus
  • Cataract treatment covered
  • Modern Procedures covered

Arogya Sanjeevani Policy (Pros)

  • Intensive Cardiac Care Charges
  • Ambulance charges up to 2000
  • Cataract treatment
  • In-patient hospitalization
  • Uterine Artery Embolization

Arogya Sanjeevani Policy (Cons)

  • No Eyesight correction expenses
  • Fertility expenses not covered
  • Nursing at home not covered
  • OPD expenses not covered
  • No Non-allopathic Treatment

Arogya Sanjeevani Policy (Other Benefits)

  • Floater benefit
  • Pre-existing diseases after 4 yrs
  • In-patient AYUSH treatment
  • Daycare procedures
  • Pre and post-hospitalisation

Arogya Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Maximum Entry Age - 65 Years
  • SI - 1 L to 5 L
  • Waiting Period - 30 Days

Saral Suraksha Plan

ICICI Lombard Saral Suraksha Bima

A plan that offers coverage for accidental death and disablement, temporary total disablement and gives Education Grant.

Unique Features

  • 100% Death Benefit
  • Emergency Care
  • Cumulative Bonus up to 50 %

Saral Suraksha Bima (Pros)

  • 10% Education Grant
  • Temp. Total Disablement cover
  • In-Patient Care
  • Total Disablement cover
  • Partial Disablement cover

Saral Suraksha Bima (Cons)

  • Hazardous sports not covered
  • No Intentional self-injury cover
  • Alcoholism not covered
  • Injury due to violation of the law
  • Obesity treatment not covered

Saral Suraksha Bima (Other Benefits)

  • Plastic surgery after accident
  • Surgical Procedure after accident
  • 50% Cumulative Bonus
  • All Day Care Treatment
  • Dental Treatment after accident

Saral Suraksha Bima (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -70 Years
  • SI - 2 L to 5 L
  • Waiting Period -30 Days

Top-up

Health Booster(Top UP Plan)

A Top-up plan that offers extra coverage to you and your family with a comparatively lower premium with a policy deductible principle.

Unique Features

  • Wellness Programs
  • Critical Illnesses Covered
  • Lifetime Renewability available

Health Booster (Pros)

  • No Check-up up to 10 Lakh
  • Discount of up to 12.5%
  • Cashless treatment Hospitals
  • Reimbursement within 14 days
  • Deductible options (3/4/5 lakhs)

Health Booster (Cons)

  • No international Coverage
  • No Alcohol or drug abuse
  • No Refractive error correction
  • Dental treatment not covered
  • No hearing impairment correction

Health Booster (Other Benefits)

  • Hospital Daily Cash
  • Convalescence Benefit
  • Personal Accident Cover
  • Repatriation of Remains
  • (TTD) Rehabilitation Cover

Health Booster (Eligibility Criteria)

  • Entry Age - 18 Years
  • No Upper Age Limit
  • SI - 5 L to 50 L
  • Waiting Period - 30 Days

Personal Accident

Personal Protect Plan

The plan offers personal accident coverage on an individual and family floater basis, with coverage up to 25Lakhs.

Unique Features

  • Permanent Disability Covered
  • No pre-medical required
  • Worldwide coverage

Personal Protect Plan (Pros)

  • All Disablement Covered
  • Accidental Hospital Allowance
  • Rail accidents covered
  • Natural Peril Injury CFovered
  • No health check-up required

Personal Protect Plan (Cons)

  • Change of Gender Treatments
  • Cosmetic or Plastic Surgery
  • Dental treatment not covered
  • Maternity expenses not covered
  • No Global Coverge

Personal Protect Plan (Other Benefits)

  • No Injuries in terrorism covered
  • Hospital Daily Allowance Benefit
  • Accidental Hospital Allowance
  • Funeral Expenses covered
  • Children's Education Grant Benefit

Personal Protect Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 25 L
  • Waiting Period - 30 Days

Covid specific Plan

Corona Kavach Plan

A plan mandated by IRDAI that offers covers the hospitalization expenses if the insured is tested positive for Covid-19.

Unique Features

  • Flexible Sum Insured
  • Home-care treatment covered
  • Treatment for comorbid

Corona Kavach Plan (Pros)

  • Covid Hospitalization charges
  • Home Care Treatment Expenses
  • AYUSH Treatment Covered
  • Hospital Daily Cash
  • Flexible Policy Period

Corona Kavach Plan (Cons)

  • Dietary supplements expenses
  • Unproven Treatments expenses
  • Respite care not covered
  • Investigation Expenses
  • Rehabilitation not covered

Corona Kavach Plan (Other Benefits)

  • Inpatient hospitalization
  • Family Floater Benefit
  • In-patient treatment
  • Home care treatment
  • Post-hospitalisation

Corona Kavach Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50 Thousand to 5 L
  • Waiting Period - 15 Days

Senior Citizen Plan

ICICI Lombard Health AdvantEdge

A comprehensive plan for you and your family covering

Unique Features

  • Swine Flu Treatment Covered
  • Pre Existing Disease Covered
  • Cumulative Bonus upto 50 %

Health AdvantEdge (Pros)

  • No health check-ups
  • Domestic Air Ambulance
  • 24x7 Customer Support
  • Newborn baby and vaccine cover
  • Health rewards

Health AdvantEdge (Cons)

  • No Non-allopathic Treatments
  • Unproven treatment not covered
  • HIV/AIDS treatments not covered
  • 3-Year Waiting Period
  • Obesity treatment not covered

Health AdvantEdge (Other Benefits)

  • Bariatric surgery cover
  • Maternity Expenses Covered
  • Orthopaedic Expenses Covered
  • Chemotherapy Covered
  • Eye Surgery Covered

Health AdvantEdge (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 2 L to 5 L
  • Waiting Period -30 Days

Senior Citizen Plan

ICICI Lombard Health Shield 360

A versatile health insurance plan with vital features like outpatient treatment coverage, Maternity Benefits, Newborn Baby Cover, and more.

Unique Features

  • Worldwide cover
  • Daycare Procedures Covered
  • OPD cover

Health Shield 360 (Pros)

  • Wellness Benefits
  • Pre Hospitalization Cover
  • Post Hospitalization Cover
  • Compassionate Visit
  • No-claim Bonus

Health Shield 360 (Cons)

  • Obesity/ weight control
  • Change of gender treatments
  • Cosmetic or plastic surgery
  • Hazardous or adventure sports
  • Breach of law

Health Shield 360 (Other Benefits)

  • Automatic Restoration
  • Organ Donor cover
  • Reset Benefits
  • Additional sum insured option
  • Air Ambulance

Health Shield 360 (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 75 Years
  • SI - 75 L - 1 Crore
  • Waiting Period - 30 Days

ICICI Lombard Golden Shield Plan: FAQs

1. What are the eligibility criteria for the ICICI Lombard Golden Shield Plan?

The plan is available to insured individuals over the age of 56 years without any upper limit to the entry age.

2. What are the sum insured options available under the ICICI Lombard Golden Shield Plan?

The sum insured options available under the ICICI Golden Shield Plan range between INR 5 lakhs and 50 Lakhs.

3. Who can be covered under the Golden Shield Plan by ICICI Lombard?

The ICICI Lombard Golden Shield Plan can cover you and your spouse under a single cover.

4. What is the co-pay reduction option under the ICICI Lombard Golden Shield Plan?

The modification of co-payment is a feature that allows insured individuals to reduce the base co-pay from 50% 40 or 30, or 20%.

5. Can ICICI Lombard Golden Shield Plan avail tax benefits?

Yes, ICICI Lombard Golden Shield Plan is eligible for tax benefits as per the Income Tax Laws of India. All the premiums paid towards the insurance plan are eligible for tax benefits.

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Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.

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