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Golden Shield Plan by ICICI Lombard is designed especially for senior citizens to cater to all their healthcare 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. Keeping senior citizens in mind, the ICICI Lombard Golden Shield Plan was designed for individuals aged 56 years and above. Like all healthcare plans, Golden Shield by ICICI Lombard covers unforeseen medical emergencies and hospitalization expenses. The plan offers a high sum insured with various features included in the policy:
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 on.
| PLAN DETAILS |
Icici Lombard Golden Shield Plan |
Icici Lombard Elevate Plan |
| Product Type | Senior Citizen Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
10600 | 10600 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Covered |
| Plan Entry Age | Min- 56 years, Max- No Limit | Child: 91 days - 30 years, Adult: 18 years - No limit |
| Plan Premium Entry Age and S/A | 16,612 | 4,000 |
| Plan Waiting Period | 30 Days | 30 |
| Plan Coverage | Hospitalization expenses, pre post expenses, daycare treatments, domiciliary treatment, AYUSH treatment, ambulance and air ambulance | Hospitalization expenses, pre post expenses (90–180 days), daycare treatments, AYUSH treatment, organ donor cover, ambulance and air ambulance |
| Plan Sample Premium | 16,612 | 4,000 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 Years | 1, 2, 3 years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Not Covered |
| Automatic Restoration | Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Covered | Covered |
| Air Ambulance | Covered | Covered |
| Global Coverage | Not Covered | Covered |
| Claim Ratio | 97.16 | 97.16 |
| Solvency Ratio | 2.69 | 2.69 |
|
ICICI Lombard Health Insurance Review |
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