ICICI Lombard Health Shield 360°

ICICI Lombard Health Shield 360: An Overview

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.

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.

Key Features of 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.

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.

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

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].