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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
Domestic covers
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 DETAILS |
Icicilombard Health Shield 360 Plan |
Health Alpha 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 | Covered |
| Hospital_network (Number of Hospital Network in city) |
10600 | 6000 |
| 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 | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | 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 | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Available | Covered |
| Plan Entry Age | 21 to 75 Years | 18 years |
| Plan Premium Entry Age and S/A | 6,500 | 18 years |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | Individual and Family Floater | Hospitalisation and medical expenses covered, Pre and post hospitalisation expenses, Day care treatments covered |
| Plan Sample Premium | 6,500 | Unlimited |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 5 years |
| ICU Charges | Covered | Not covered |
| Covid-19 Treatment | Covered | Not covered |
| Cataract | Covered | Not covered |
| Automatic Restoration | Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Covered | Covered |
| Air Ambulance | Covered | Covered |
| Global Coverage | Covered | Covered |
| Claim Ratio | 97.16 | - |
| Solvency Ratio | 2.69 | 2.03 |
|
ICICI Lombard Health Shield 360 Full Review | ICICI Lombard Health Insurance Plan | ICICI Lombard |
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