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ICICI Lombard Group Health Insurance
ICICI Lombard Group insurance is a type of insurance plan that covers many people in the same proximity, for example, employee-employer, ba…
- Tax benefit
- Less waiting period
- Hospital coverage
- Wide range coverage
ICICI Lombard Health Insurance
ICICI Lombard Health Shield 360
ICICI Lombard Health Shield is a comprehensive health insurance plan d ...Read More
Up to 3 Crores
Sum insured
1
No. of plans
320+
Pan India presence
97.16%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,714 reviews
🏥 10,600+ hospitals
📊 2.69 solvency ratio
✅ 97.16% claim settlement
About ICICI Lombard Health Shield 360
A quick read on what this ICICI Lombard Health Insurance plan covers and why it might be a fit for you.
ICICI Lombard Health Shield 360 is a comprehensive health insurance policy offering basic medical support, worldwide cover, and health management assistance. It covers in-patient and out-patient hospitalization, pre and post-hospitalization, daycare procedures, OPD expenses (if chosen as a top-up), and emergency domestic and air ambulance. Optional covers include maternity benefits and worldwide in-patient hospitalization.
Key features of the ICICI Health Shield 360 policy:
Recommended Covers:
- Basic covers
- Out-patient treatment cover
- Maternity benefit
- Newborn baby cover
Premium Covers:
- Recommended covers
- Super no-claim bonus
- Compassionate visit
Worldwide Covers (including India):
- Worldwide healthcare facilitation at network health centres
- Daycare procedures
- International medical emergencies (including road and air ambulance)
Domestic Covers:
- OPD cover
- Unlimited reset benefit
- Additional sum insured option
Note: Worldwide healthcare cover is valid only if the policyholder/s or insured individual/s is a resident of India and travelling abroad. A single trip should not exceed 45 days, and multiple trips should not exceed 90 days during a policy year.
The ICICI Lombard Health Shield 360 policy can also be taken as a top-up plan, where a specific deductible amount will be applicable. As a top-up, it diversifies how you claim your health policy after using your deductible limits, offering numerous healthcare benefits.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
21 to 75 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹75 L, ₹1 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1 Year
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Worldwide cashless facility
- Unlimited reset cover
- Daycare procedures
Cons
- Illegal activities
- Adventure sports
- Drug abuse
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Covered
- OPD charges Covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Covered
- New-born baby cover Covered
- IVF treatment Covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Covered
- E-consultation Covered
- Health check-up Covered
- Second medical opinion Covered
- Vaccination Covered
Conditions & global
- Co-payment Covered
- Sub-limits Not covered
- Compassionate travel Covered
- Global coverage Covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
ICICI Lombard Health Shield 360 Full Review | ICICI Lombard Health Insurance Plan | ICICI Lombard
Looking for a health insurance plan that offers more than just hospitalization coverage? Discover the ICICI Lombard Health Shield 360, a comprehensive health insurance solution designed to safeguard you and your family.
Benefits of ICICI Lombard Health Shield 360 Insurance Plan
Explore the exclusive features of this plan that enhance your overall healthcare experience:
-
360-Degree Wellness Programs
Policyholders receive an all-round wellness program, including health tracking, health assistance, ambulance assistance, and discounts. Earn rewards and wellness points by participating in health-related quizzes, which can be used for premium discounts or additional benefits.
-
Pre-Policy Medical Examination
Policyholders up to the age of 55 years do not require a pre-policy medical examination to purchase this health policy.
-
Reset Benefits
The unlimited reset benefit ensures coverage beyond the maximum sum insured limits. Once your base sum insured is exhausted, it will be restored in the same policy year.
-
Tax Benefits
All premiums paid towards the ICICI Lombard Health Shield 360 insurance policy are eligible for tax benefits under Section 80D of the Income Tax Act 1961.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Hospitalization due to war, riot, strike, and nuclear weapons
- Intentional self-injury
- AIDS
- Miscarriage and abortion
- Congenital disease
- Infertility and in vitro fertilization
- Listed ailments after 12 Months
- Pre-existing diseases after 30 Days
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Min entry age: 21 Years
- Max entry age: 75 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 1 Cr
Other features & benefits
Conclusion
The ICICI Lombard Health Shield 360 provides extensive basic healthcare coverage, including in-patient and out-patient hospitalizations, pre and post-hospitalization, daycare procedures, home care/domiciliary treatment, and organ donor expenses.
For further assistance or to learn more about health plans from ICICI Lombard Health Insurance, please contact our expert insurance advisors. You can call our customer care executives on 1800 4200 269 or send an email to [email protected].
ICICI Lombard Health Shield 360: FAQs
The 9 most-asked questions about ICICI Lombard Health Shield 360, answered.
ICICI Lombard Health Shield 360 health insurance assists the policyholder with basic healthcare coverage along with worldwide coverage.
The initial waiting period for this plan is 30 days. Moreover, the specified and pre-existing diseases are covered after a waiting period varying from 12 to 24 months depending on the policy’s prospectus.
Yes, modern treatment covered under this plan pays medical expenses for conditions like oral chemotherapy, robotic surgeries, deep brain stimulation, bronchial thermoplasty, immunotherapy, stem cell therapy, and so on.
Yes, the network hospitals of the company offer worldwide facilitation for hospitalisation, emergency ambulance, and daycare procedures.
ICICI Lombard’s claim settlement ratio is around 97%, meaning most health claims are settled.
Adults can enter from 6 years onwards with no maximum age limit. Children are covered under a floater plan.
Yes, the plan covers pre- and post-hospitalisation medical expenses as per policy terms.
Yes, the plan offers an unlimited reset benefit when the sum insured gets exhausted.
Yes, daycare procedures that do not require 24-hour hospitalisation are covered.
Conclusion
Comprehensive wellness-focused health plan combining hospitalization, OPD, maternity, and worldwide
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