Worried about your medical expenses? Boost your healthcare experience with the ICICI Lombard Health Shield 360 insurance policy.
Healthcare is one of the major concerns for people nowadays, irrespective of where they live or wherever they go. ICICI Lombard Health Shield 360 is the ultimate health insurance policy that offers you visibility with its basic medical support, worldwide cover, and multiple ways to get assistance with managing your health. It covers the vital areas of in-patient and out-patient hospitalisation, pre and post-hospitalisation, daycare procedures, OPD expenses (in case you choose this plan as a top-up), emergency domestic and air ambulance, optional covers like maternity benefits, worldwide in-patient hospitalisation covers, and so on.
What are the broadly static features that ICICI Health Shield 360 policy provides you? Read further to know more about it:
The recommended covers under the Health Shield 360 ICICI Lombard insurance policy:
The premium covers of the ICICI Health Shield 360 plan comprises of:
Recommended covers + Super No-Claim Bonus + Compassionate visit
The worldwide cover for the Health Shield 360 ICICI Lombard benefits are:
Worldwide including India covers
Worldwide healthcare facilitation at the networking health centres
Daycare procedures
International medical emergencies (including road and air ambulance)
Domestic covers
OPD cover
Unlimited reset benefit
Additional sum insured option
Note: Healthcare under worldwide cover is only valid if the policyholder/s or insured individual/s is a resident of India and travelling abroad. Given that, the trip for one time should not be more than 45 days, and if they are travelling abroad in multiple slots, those trips should not exceed more than 90 days during a policy year.
Additionally, the ICICI Lombard Health Shield 360 policy comes as a health policy top-up plan over which a specific deductible amount will be applicable. When taken as a top-up option, the plan diversifies the way you claim your health policy after using your deductible limits, which offers numerous healthcare benefits in one place.
This page discusses the eligibility criteria, benefits, specifications for coverage, claim procedures, and more of the ICICI Lombard Health Shield 360 policy.
Eligibility criteria for ICICI Lombard Health Shield 360 policy
Are you concerned about who can buy this plan? Read below the eligibility criteria for buying the ICICI Lombard Health Shield 360 health insurance plan:
Entry Age
Child: 91 days - 20 years (floater)
Adult Entry Age
Adult: 21 - 75 years
Sum Insured
INR 75 Lakhs - 1 Crore
Plan Type
Individual/Family floater
Policy Term
1 year
Initial Waiting Period*
30 days
*The Initial Waiting Period is the 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.
To know more about the plan read the brochure provided below:
Benefits of ICICI Lombard Health Shield 360 insurance plan
Some exclusive features of this plan will enhance your overall healthcare experience. Read the Health Shield 360 ICICI Lombard benefits below:
360-degree wellness programs
The policyholder is entitled to get an all-round wellness program benefit in the form of; a wellness program that ensures you keep track of your well-being, health assistance, ambulance assistance, and discounts, rewards and wellness points by playing health-related quizzes that you can use to avail discounts on premiums or get an additional benefit.
Pre-policy medical examination
The policyholder/s who are below or up to the age of 55 years, do not need any pre-policy medical examination to buy this health policy.
Reset benefits
The unlimited reset benefit ensures the insured is covered beyond the maximum sum insured limits. Once your base sum insured gets exhausted, it will be restored in the same policy year.
Tax benefits
All the 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.
Specifications of the ICICI Lombard Health Shield 360 insurance policy
Below are the coverage specifications of the ICICI Health Shield 360 insurance policy which safeguards you with the mentioned conditions. And the good part is you need not pay an additional premium for these basic covers, read below what they are:
In-patient & Out-patient Coverage
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Covered (with top-up plan)
Coverage Terms
COVID-19 Treatment
Not covered
Cataract
Covered (after a specified waiting period)
No Claim Bonus
Covered
Automatic Restoration
Covered
Daily Hospital Cash
NA
Organ Donor
Covered
Maternity Cover
Covered
New Born Baby Cover
Covered
Alternative Treatments
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Emergency Coverage
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Covered
Global Coverage
Covered
Wellness Programmes
E-Consultation
Covered
Health Check-Up
Available
Second Medical Opinion
Covered
Vaccination
Covered
Limitations
Co-payment
Covered (applicable @10% on each claim for cover outside India)
Sub-limits
NA
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 the ICICI Lombard Health Shield 360 Plan
Covered
What are ICU Charges?
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under the ICICI Lombard Health Shield 360 Plan
Covered
What is Pre Hospitalization?
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under the ICICI Lombard Health Shield 360 Plan
Covered
What is Post Hospitalization?
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under the ICICI Lombard Health Shield 360 Plan
Covered
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 the ICICI Lombard Health Shield 360 Plan
Covered
What is Daycare Treatment?
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under the ICICI Lombard Health Shield 360 Plan
Covered
What are OPD charges?
The cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under the ICICI Lombard Health Shield 360 Plan
Covered (not covered with the base covers, but the top-up plan covers the OPD expenses)
What is COVID-19 Treatment?
Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under the ICICI Lombard Health Shield 360 Plan
Not covered
What is Cataract Treatment?
A common eye condition in which your vision gets blurred.
Coverage status under the ICICI Lombard Health Shield 360 Plan
Covered (after the waiting period, as same as the specified conditions)
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 the ICICI Lombard Health Shield 360 Plan
Available
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 the ICICI Lombard Health Shield 360 Plan
Reset sum insured benefit is available
What is Daily Hospital Cash?
It is a cash amount that you will get each day during the time of hospitalization.
Coverage status under the ICICI Lombard Health Shield 360 Plan
Not covered
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 the ICICI Lombard Health Shield 360 Plan
Covered
What is a Maternity Cover?
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under the ICICI Lombard Health Shield 360 Plan
Covered with the recommended plan option
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 the ICICI Lombard Health Shield 360 Plan
Covered with the recommended plan option
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 the ICICI Lombard Health Shield 360 Plan
Covered for AYUSH in-patient hospitalisation
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 the ICICI Lombard Health Shield 360 Plan
Not covered
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 the ICICI Lombard Health Shield 360 Plan
Covered
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 the ICICI Lombard Health Shield 360 Plan
Covered
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 the ICICI Lombard Health Shield 360 Plan
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 the ICICI Lombard Health Shield 360 Plan
Covered, specifically when the person is looking after the insured
What is Global Coverage?
Any kind of medical/health emergency when you are outside of India.
Coverage status under the ICICI Lombard Health Shield 360 Plan
Available with a worldwide cover option
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 the ICICI Lombard Health Shield 360 Plan
Available
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 the ICICI Lombard Health Shield 360 Plan
Available for diagnostic tests
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 the ICICI Lombard Health Shield 360 Plan
Covered with the basic covers
What is Vaccination cover?
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under the ICICI Lombard Health Shield 360 Plan
Covered with recommended cover options
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.
Coverage status under the ICICI Lombard Health Shield 360 Plan
Applicable. A 10% co-pay is applicable at every claim the insured raises for a treatment outside India
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.
Coverage status under the ICICI Lombard Health Shield 360 Plan
Not applicable
What are the exclusions of ICICI Lombard Health Shield 360?
Read here the basic and standard exclusions (what's not covered) under the Health Shield 360 ICICI Lombard health insurance policy:
Pre-existing diseases after a waiting period of 12/24 months
Specified medical conditions covered after a waiting period of 24 months
Rest, cure, rehabilitation and respite care
Investigation & Evaluation
Obesity/ weight control
Change of gender treatments
Cosmetic or plastic surgery
Hazardous or adventure sports
Breach of law
Excluded providers
Treatment for, alcoholism, drug or substance abuse or any addictive condition and its consequences thereof
Refractive error
Unproven treatments expenses
Sterility and infertility
Maternity expenses along with newborn cover (unless the specifications of an optional cover)
Others are exclusions mentioned in the detailed terms and conditions/policy prospectus of ICICI Lombard Health Shield 360 health policy.
How do I claim my Health Shield 360 ICICI Lombard health insurance?
Follow the below-written steps to claim (for cashless treatment facility and reimbursement facility) your Health Shield 360 insurance policy by ICICI Lombard health insurance policy:
For a cashless settlement facility
Step 1
To avail of a cashless claim benefit, get hospitalised at the networking hospital/s of ICICI Lombard health insurance.
Step 2
Reach out to the TPA helpdesk, and collect and fill out the pre-authorisation form carefully with the required documents.
Step 3
The TPA will inform this pre-authorisation documents the IL Healthcare (application of the company used to address claims).
Step 4
Once your policy claim is verified, the insurer will approve, enquire or reject the claim based on the terms and conditions of your policy documents. If the claims are accepted, IL Healthcare will settle the medical bills with the respective hospital directly.
For reimbursement claim facility
Step 1
If the policyholder gets hospitalised at a non-networking hospital/s, they need to pay all the medical bills upfront from their pocket after getting discharged.
Step 2
Submit the carefully filled out pre-authorisation claim intimation form, undersigned and attached with relevant documents.
Step 3
Upon verifying the claim request of the insured, the insurer has access to enquire, approve or reject the claim based on the policy documents
Step 4
The IL Healthcare will pay straight the amount of medical expenses that the insured has paid against treatment/hospitalisation. Or the specified limit of the medical expenses will be reimbursed and credited to the policyholder's account.
Thoughts?
With the ICICI Lombard Health Shield 360, the policyholder gets extensive care with all kinds of basic healthcare coverage such as in-patient and out-patient hospitalisations, pre and post-hospitalisation, daycare procedures, home care/domiciliary treatment, organ donor expenses, and so much more.
Apart from this, there are more aspects of the Health Shield 360 with its add-on covers, premium covers, worldwide covers, and so on. Read the overview of this plan above to know more about it.
Furthermore, if you have anything to ask, reach out to our expert insurance advisors to know more about health plans by ICICI Lombard health insurance company. You can call our customer care executive/s on 1800 4200 269 or send us an email to helpdesk@policyx.com.
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.
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
ICICI Lombard Health Shield 360 plan: FAQs
1. What is Health Shield 360, ICICI Lombard?
ICICI Lombard Health Shield 360 health insurance assists the policyholder with basic healthcare coverage along with worldwide coverage.
2. What is the waiting period for ICICI Lombard Health Shield 360?
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.
3. Does the Health Shield 360 insurance policy cover modern treatment?
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.
4. Can I get a worldwide cover under this plan?
Yes, the network hospitals of the company offer worldwide facilitation for hospitalisation, emergency ambulance, and daycare procedures.
5. Is co-pay available under this plan?
Yes, there is a 10% compulsory co-payment option with worldwide coverage on every claim raised outside India.
To get the correct idea of how this plan is performing, do not forget to go through the ICICI Lombard Health Insurance Reviews. Take a look at what customers have to say about ICICI Lombard Health Insurance:
Anita Sandhu
Goa
March 18, 2024
A user-friendly platform with a lot of useful information with a helpful approach. The team of PolicyX went the extra mile to answer my questions related to ICICI Lombard Health Insurance Polic...
Khushpreet Singh
Bhopal
March 18, 2024
I bought my ICICI Lombard health insurance plan 4 years ago, and every year the team at PolicyX helps me to renew the plan. Thank you PolicyX for taking care like family.
Arjun Palta
Delhi
February 28, 2024
I connected to the team member of PolicyX when I was looking for the best health insurance policy. They helped me buying ICICI Lombard health insurance plan for my family. They made it easier f...
Vayu Sharma
Gandhinagar
February 26, 2024
The insurance team at PolicyX was so helpful while purchasing my health insurance from ICICI Lombard Health Insurance.
Nipun Singh
Indore
February 26, 2024
I needed to apply for a claim settlement for my ICICI Lombard Health Insurance Policy. PolicyX helped me to get the reimbursement very soon.
aditya
Nagpur
February 17, 2022
I have family insurance plan and my mother and sister hospitalised for covid together. hospital gave me big amount. I used insurance plan to pay the bills.
Kalpana Pushkar
Raipur
February 9, 2022
ICICI Lombard s individual health insurance plan is an excellent one that provided me with complete coverage at affordable rates.
Jubin Katyal
Agra
September 8, 2021
Very Good company ICICI. I am impressed with their services. I will recommend this compnay from my side
Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.
