ICICI Lombard Family Shield Plan

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      ICICI Lombard Family Shield Plan

      ICICI Lombard Family Shield is an innovative health insurance policy designed to offer hospitalisation benefits for specific infectious diseases, including vector-borne diseases, rabies, tetanus, gastrointestinal infections, viral infections, and nervous system infections. The plan also offers daily hospital cash benefit and coverage for accidental injuries.

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      Additionally, this ICICI Lombard health insurance plan provides optional benefits, such as broken bones benefit, major surgery benefit, lifestyle support benefit, Intensive Care Unit (ICU) cash benefit, comatose benefit, ambulance charges benefit, compassionate visit benefit, etc.

      ICICI Lombard Family Shield Plan: Key Highlights

      Categories Specifications
      Sum Insured ₹5,000 to ₹50,00,000
      Policy Tenure 1, 2, 3 years
      Pre-policy Medical Check-ups Not required
      Required above 55 years for Section B only (i.e. Hospital Daily Cash Benefit)
      Pre-existing Diseases Waiting Period 2 years
      Discount Up to 7.5% family discount
      5% policy renewal discount
      Long-term policy discount

      Benefits of ICICI Lombard Family Shield Plan

      Some of the key benefits of the ICICI Lombard Family Shield plan are as follows:

      1. Infectious Diseases Coverage

        The ICICI Lombard Family Shield plan offers financial protection against a range of infectious diseases, including rabies, tetanus, vector-borne illnesses like dengue & malaria, viral infections like swine influenza, and gastrointestinal issues.

      2. Flexible Claim Payment Option

        This mediclaim insurance plan offers flexibility in claim payments by allowing policyholders to choose whether to receive periodic or lump sum claim payments.

      3. Tax Benefit

        Policyholders can claim deductions for the premiums paid towards this ICICI Lombard health insurance policy under Section 80D of the Income Tax Act, 1961.

      ICICI Lombard Family Shield Plan Eligibility Criteria

      Check out the eligibility criteria to buy an ICICI Lombard Family Shield plan:

      Parameters Eligibility Criteria
      Minimum Entry Age Adult: 18 years
      Child: 3 months
      Maximum Entry Age Adult: 65 years
      Child: 25 years
      Coverage Type Family Floater
      Renewability Lifetime (except for personal accident cover)

      Inclusions of ICICI Lombard Family Shield Plan

      The inclusions of the ICICI Lombard Family Shield plan are tabulated below:

      Base Inclusions
      Specific Infectious Diseases Benefit Hospital Daily Cash Benefit Personal Accident Benefit
      • Specific Vector Borne Disease Benefit
      • Rabies and Tetanus Benefit
      • Specific Viral Infections Benefit
      • Specific Gastrointestinal Infections Benefit
      • Specific Nervous System Infections Benefit
      • Hospital Daily Cash Benefit
      • Death Benefit
      • Permanent Total Disablement Benefit
      • Permanent Partial Disablement Benefit
      • Temporary Total Disablement Benefit
      • Accidental Hospitalisation Expenses Reimbursement Benefit
      • Accidental Hospitalisation Daily Cash Benefit
      • Orphan Benefit
      • Parental Care Benefit
      • Children's Education Grant Benefit
      • Adventure Sports Benefit
      • Mysterious Disappearance Benefit
      • Loan Protection Benefit
      • Common Carrier Accident Benefit
      • Assault Benefit
      • Catastrophic Evacuation Benefit
      • Reconstructive Surgery Benefit
      • Loss of Job Benefit
      • Diagnostic Test Benefit
      • Recovery Benefit
      • Physical Rehabilitation Benefit

      Optional Covers:

      Optional Benefits
      Hospital Daily Cash Benefit Personal Accident Benefit
      • Intensive Care Unit Cash Benefit
      • Last Rites Benefit
      • Lifestyle Support Benefit
      • Major Surgery Benefit
      • Home Tuition Benefit
      • Outstanding Bills Payment Benefit
      • On Duty Enhanced Benefit
      • Chauffeur Cash Benefit
      • Skill Development Benefit
      • Burns Benefit
      • Broken Bones Benefit
      • Repatriation in case of Permanent Disability Benefit
      • Air Ambulance Benefit
      • Counselling Benefit
      • Comatose Benefit
      • Accidental Pre & Post Hospitalisation Expenses Benefit
      • Ambulance Charges Benefit
      • Compassionate Visit Benefit

      Exclusions of ICICI Lombard Family Shield Plan

      Here is the list of exclusions under the ICICI Lombard Family Shield plan:

      • All non-accidental dental surgeries
      • Maternity or pregnancy termination expenses
      • Cosmetic or plastic surgery
      • Surgical treatment for obesity
      • Treatments due to participation in hazardous or adventure sports
      • Gender change treatments
      • Unproven treatments
      • Hormone replacement therapy
      • Intentional self-injury

      ICICI Lombard Family Shield Plan Waiting Periods

      Take a look at the waiting periods applicable under the ICICI Lombard Family Shield plan:

      Category Waiting Period
      Infectious Disease Waiting Period 30 days
      Hospital Daily Cash Benefit Waiting Period 30 days
      Pre-existing Disease Waiting Period 24 months
      Specified Disease/Procedure Waiting Period 24 months

      FAQs

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      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

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