Heath Shield 360 Features
Comprehensive multi-layer protection for your family
-
Hospitalization
Cover -
Air
Ambulance -
Unlimited
Reset Benefit* -
Donor
Expenses -
Health Check-up
cover -
Home
Health Care -
Sum Insured
Protector -
Claim
Protector -
Day Care Surgeries/
Treatment coverage
options -
Age limit
upto
75 years -
Pre & post
hospitalisation
expenses -
In Patient
AYUSH
Treatment -
Additional
Sum Insured
(ASI) -
360
Wellbeing
Program -
Domestic Road
Emergency
Ambulance Cover -
Super
No-Claim
Bonus**
*The reset amount can only be used for all future claims within the same policy year, not related to the illness/disease/injury for which a claim has been paid in that policy year for the same person
**Optional add on cover available by paying additional premium.
Health Shield 360
Wide range of plans perfectly suited to your needs
Your Right To Know
We’ve got the answers for most common general questions
Healthcare is expensive. Technological advances, new procedures and more effective medicines have driven up the cost of healthcare. This increase has to be borne by the consumer, making treatment unaffordable for too many. Health Insurance overcomes these obstacles so that you remain free of anxiety regarding your health. Think for a moment about the enormous medical costs you would incur if you suffered a major accident tomorrow or were suddenly stricken by an illness. Uninsured people live with such risks every day. Health insurance seeks to shield you from that risk. It provides the much needed financial relief. You also get tax benefit under section 80D of the Income Tax Act and amendments made thereto.
Your health insurance will either pay your hospital bills directly if opted for the cashless facility or it will reimburse any payment made by you towards medical expenses incurred due to an illness or injury as per the policy terms.
Family Floater is one single policy that takes care of the hospitalisation expenses of your entire family. The policy has one single sum insured, which can be utilized by any/all insured persons in any proportion or amount subject to maximum of overall limit of the policy sum insured, as per policy terms and conditions.
When you get a new policy, there will be a 30 days waiting period starting from the policy inception date, during which period any hospitalisation charges will not be payable by the insurance companies. However, this is not applicable to any emergency hospitalisation occurring due to an accident. This waiting period will not be applicable for subsequent policies under renewal. Furthermore, in the case of a declared & accepted pre-existing disease or specific diseases, you will have benefit of NIL waiting for these diseases / conditions.
It is a medical condition/disease that existed before you obtained health insurance policy.
The policy will be renewable provided you pay the premium within 30 days (called as Grace Period) of expiry date. However, coverage would not be available for the period for which no premium is received by us. The policy will lapse if the premium is not paid within the grace period.
After a claim is filed and settled, the policy coverage is reduced by the amount that has been paid out on settlement. For Example: In January you start a policy with a coverage of Rs. 5 Lakh for the year. In April, you make a claim of Rs. 2 Lakh. The coverage available to you for the May to December will be the balance of Rs.3 Lakh.
It is a benefit that allows an insured to reinstate the entire sum insured in the policy year when it is insufficient as a result of previous claims in that policy year. In case the entire cover is exhausted, it gets replenished automatically for the next hospitalization that occurs within the policy year. Reset will not trigger on first claim and cannot be used by same person for same illness for which the claim has already been paid in the policy.
On the basis of the plan selected, Health Shield 360 Insurance policy covers Hospitalisation expenses (including planned hospitalisation) incurred abroad as well.
Domiciliary Hospitalisation offers coverage for medical expenses in a situation where the Insured Person is in such a state that he/she cannot be moved to a hospital or the treatment is taken at home if there's a non-availability of room in the hospital.
In case the customer has opted for this additional cover with extra premium, there will be a 50% bonus awarded for every claim free year subject to a maximum of 100%.
All plans come with multiple Sum Insured options up to a maximum of 100 Lakhs.
Yes, you can increase the Sum Insured at the time of renewal. However, fresh waiting period would apply for the enhanced Sum Insured.
Disclaimer
The information mentioned herein above is only for consumption by the client and such material should not be redistributed. ICICI Securities Ltd. ( I-Sec). Registered office - ICICI Venture House, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400 025, India, Tel No : 022 - 6807 7100. I-Sec acts as a Composite Corporate agent having registration number –CA0113. Corporate Agent of ICICI Prudential Life Insurance Company Ltd, HDFC Life Insurance Company Limited, ICICI Lombard General Insurance Company Ltd, Care Health Insurance Ltd, Star Health and Allied Insurance Ltd, DFC ERGO General Insurance Company Limited, ManipalCigna Health Insurance Company Ltd, Aditya Birla Health Insurance Co. Limited, Tata AIG General Insurance Company Limited & Go Digit General Insurance Limited. Please note, Insurance related services are not Exchange traded products and I-Sec is acting as a corporate agent to solicit these products. All disputes with respect to the distribution activity, would not have access to Exchange investor redressal forum or Arbitration mechanism. The contents herein above shall not be considered as an invitation or persuasion to trade or invest. I-Sec and affiliates accept no liabilities for any loss or damage of any kind arising out of any actions taken in reliance thereon. Investments in securities market are subject to market risks, read all the related documents carefully before investing. Insurance is the subject matter of the solicitation. The advertisement contains only an indication of the cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. ICICI Securities Ltd. does not underwrite the risk or act as an insurer. By clicking on above advertisement, you understand and agree to allow ICICI Securities Ltd to contact you through Calls, SMSs, Emails etc. to offer you other products and services of ICICI Securities, on all days (including Sundays), irrespective of your preference.
Only for the customers of ICICI Securities Ltd who wish to enroll in Health Shield 360 underwritten by ICICI Lombard GIC Ltd. For the detailed terms and conditions please contact Master Policyholder(s). ICICI Securities Ltd Having registered address at ICICI Venture House, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400025, India. ICICI Securities Ltd (I-Sec) is a Corporate Agent (CA0113) of ICICI Lombard General Insurance Company Limited (“ICICI Lombard”). Insurance is underwritten by ICICI Lombard. ICICI Securities Ltd customer participation in the policy is entirely voluntary. The advertisement contains only an indication of cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure / policy wordings carefully before concluding a sale. ICICI trade logo displayed above belongs to ICICI Bank and is used by ICICI Lombard GIC Ltd. under license and Lombard logo belongs to ICICI Lombard GIC Ltd. ICICI Lombard House, 414, P. Balu Marg, Off Veer Savarkar Road, Near Siddhi Vinayak Temple, Prabhadevi, Mumbai 400025 Toll Free: 1800 2666 Fax No: 022 61961323 IRDA Reg. No. 115 CIN: L67200MH2000PLC129408 Customer Support Email Id: customersupport@icicilombard.com Website Address: www.icicilombard.com.