ICICI Lombard Health Shield 360 Plan - 2026
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ICICI Lombard Health Shield 360

ICICI Lombard Health Shield is a comprehensive health insurance plan d ...Read More

Up to 3 Crores
Sum insured
1
No. of plans
320+
Pan India presence
97.16%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,704 reviews
🏥 10,600+ hospitals
📊 2.69 solvency ratio
✅ 97.16% claim settlement

About ICICI Lombard Health Shield 360

A quick read on what this ICICI Lombard Health Insurance plan covers and why it might be a fit for you.

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. Check the goodness of this plan at ICICI Lombard Health Shield 360 review. 

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:

Basic covers + Out-patient treatment cover + Maternity benefit + Newborn baby cover

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.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
21 to 75 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹75 L, ₹1 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1 Year

*Initial Waiting Period is the time 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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Worldwide cashless facility
  • Unlimited reset cover
  • Daycare procedures

Cons

  • Illegal activites
  • Adventure sports
  • Drug abuse

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Covered
  • IVF treatment Covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Not covered
  • Compassionate travel Covered
  • Global coverage Covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

ICICI Lombard Health Shield 360 Full Review | ICICI Lombard Health Insurance Plan | ICICI Lombard

ICICI Lombard Health Shield 360 Full Review | ICICI Lombard Health Insurance Plan | ICICI Lombard

Looking for a health insurance plan that offers more than just hospitalization coverage? Discover the ICICI Lombard Health Shield 360, a comprehensive health insurance solution designed to safeguard you and your family.

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.

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions that are not included under ICICI Health Shield 360 Plus Plan are:
  • Hospitalization out of war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage, and abortion
  • Congenital disease
  • Infertility and in vitro fertilization
  • Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
  • Listed ailments after 12 Months
  • Pre-existing diseases after 30 Days

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 21 Years
  • Max entry age: 75 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 1 Cr

Other features & benefits

Conclusion

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. It is also important for you to be aware of the Health Shield 360 ICICI Lombard disadvantages like waiting periods, co-payments, and 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. Before buying the plan, you must check the ICICI Health Shield 360 review by the customers. 

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.

ICICI Lombard Health Shield 360: FAQs

The 9 most-asked questions about ICICI Lombard Health Shield 360, answered.

ICICI Lombard Health Shield 360 health insurance assists the policyholder with basic healthcare coverage along with worldwide coverage.
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.
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.
Yes, the network hospitals of the company offer worldwide facilitation for hospitalisation, emergency ambulance, and daycare procedures.
ICICI Lombard’s claim settlement ratio is around 97%, meaning most health claims are settled.
Adults can enter from 6 years onwards with no maximum age limit. Children are covered under a floater plan.
Yes, the plan covers pre- and post-hospitalisation medical expenses as per policy terms.
Yes, the plan offers an unlimited reset benefit when the sum insured gets exhausted.
Yes, daycare procedures that do not require 24-hour hospitalisation are covered.

Conclusion

Comprehensive wellness-focused health plan combining hospitalization, OPD, maternity, and worldwide

Explore ICICI Lombard Health Insurance

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 17 Feb 2025 · Originally published: 17 Feb 2025

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