ICICI Lombard
Health Shield 360 Retail
ICICI Lombard’s Health Shield 360 offers coverage of up to ₹3 crore. The policy also offers wellness programs with rewards for maintaining a healthy lifestyle, no room rent limits, and coverage for modern treatments. With flexible add-ons and lifelong renewability, it’s a good plan for those seeking extensive and customizable healthcare protection.
What's good here?
You’ll never have to split the bill
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
You can pick any room you like
Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.
Reasonable waiting period for pre-existing diseases
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 1-2 years.
Good Restoration Benefit
Even after you claim part of the cover on one occasion, you will have 100% of the cover restored once for the same illness and unlimited times for different illness, so that you can use this benefit in the event you have to endure multiple hospitalizations.
Full coverage even if you are forced to hospitalize at home
The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.
You always have full cover irrespective of the disease
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Pre & Post hospitalization expenses covered
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 30 days before you are hospitalized and 60 days after discharge. This includes the cost of medication by the way.
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
What's okay here?
Special Bonus for being healthy
Your sum insured increases by 20% each year, even if you've claimed in the previous year. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 100%. But hey, it's still a bonus.
Your sum insured increases by 20% each year, even if you've claimed in the previous year. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 100%. But hey, it's still a bonus.
What's lacking here?
Your insurer doesn’t provide free health check-ups
If you want to get a full-body checkup just to make sure you’re in fine working condition, be ready to pay for it yourself.
If you want to get a full-body checkup just to make sure you’re in fine working condition, be ready to pay for it yourself.
Maternity benefits not offered
The insurer does not cover expenses related to maternity
Doctor consultations are not covered
Doctor consultations are not covered.
Add-ons
Nursing at home
Payout of a certain amount each day for medical services of a nurse at residence for a maximum of 15 days post hospitalisation.
Dependent Accommodation
Pays a specified amount for the accommodation of the dependent in the hospital if the hospitalisation is of at least 3 days.
Convalescence Benefit
Lump sum payout of a fixed amount in case the hospitalisation exceeds more than 10 continuous days. This benefit is available once per insured member per policy year.
Frequently Asked Questions
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