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
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,704 reviews
🏥 10,600+ hospitals
📊 2.69 solvency ratio
✅ 97.16% claim settlement

ICICI Lombard Health Shield is a comprehensive health insurance plan designed to cover major medical expenses, including hospitalization, daycare procedures, and critical illnesses. It offers flexible sum insured options, cashless treatment at a wide network of hospitals, and additional benefits like wellness rewards to encourage a healthy lifestyle.

Why we recommend this?
  • Cashless treatment across a large network of hospitals
  • Coverage for hospitalization, daycare procedures, and critical illnesses
  • Wellness program offering reward points for healthy habits

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

A quick look at what this plan covers — and what it doesn't.

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.

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

Frequently Asked Questions

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: 19 May 2026 · Originally published: 17 Feb 2025

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