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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:
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 DETAILS |
Icicilombard Health Shield 360 Plan |
Optima Lite Health Insurance Plan |
| Product Type | Individual and Family Health Insurance | Individual |
| 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 | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
10600 | 15000 |
| 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.) |
Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Not 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 Available | - |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Available | - |
| Plan Entry Age | 21 to 75 Years | Children: 91 days; Adults: 18 years |
| Plan Premium Entry Age and S/A | 6,500 | - |
| Plan Waiting Period | 30 | 30 days |
| Plan Coverage | Individual and Family Floater | - |
| Plan Sample Premium | 6,500 | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1/2/3 Years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Not Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Covered | Covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Covered | Not Covered |
| Claim Ratio | 97.16 | 95.30 |
| Solvency Ratio | 2.69 | 2.00 |
|
ICICI Lombard Health Shield 360 Full Review | ICICI Lombard Health Insurance Plan | ICICI Lombard |
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