Partner With Us NRI

Health Shield 360

Wide range of products perfectly suited to your needs


Base Covers

  • Health Check-up Cover
  • Sum Insured Protector
  • Unlimited Reset Benefit*
  • 360 Wellbeing Program
  • Claim Protector
  • ASI Protector
  • Additional Sum Insured (Cumulative Bonus)
  • And many more features!

Recommended Covers

Base Covers
  • Out-patient treatment cover
  • Maternity cover
  • Newborn baby cover

Premium Covers

Recommended Covers
  • Super No-Claim Bonus
  • Compassionate Visit

Worldwide Covers

Premium Covers
  • Sum Insured INR 75 Lakhs to 1 Cr.
  • Daycare procedures
  • Worldwide cashless facility at network centres (as per availability)
  • International emergency medical services (air & roadside ambulance)

Health Shield 360 Features

Comprehensive multi-layer protection for your family

  • Hospitalisation

    Hospitalisation Cover

  • AirAmbulance

    Air Ambulance Cover

  • UnlimitedReset

    Unlimited Reset Benefit*

  • Donor

    Donor Expenses

  • HealthCheck-Up

    Health Check-Up Cover

  • HomeHealth

    Home Health Care

  • SumInsured

    Sum Insured Protector

  • ClaimProtector

    Claim Protector

  • DayCareSurgeries

    Day Care Surgeries/ Treatment coverage options

  • Agelimit

    Age limit up to 75 years

  • PostHospitalisationExpenses

    Pre and Post Hospitalisation Expenses

  • PatientAYUSHTreatment

    In Patient AYUSH Treatment

  • AdditionalSum

    Additional Sum Insured (ASI)

  • WellbeingProgram

    360 Wellbeing program

  • EmergencyAmbulance

    Domestic Road Emergency Ambulance Cover

  • SuperNo-ClaimBonus

    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.


Read what our clients have to say


Anil Tulsian

Start to end it was very smooth process. Every minute requirement was taken care off. RM was very helpful.The best thing was that I felt like there was a personal touch. The products were explained in the best manner. All my queries were handled. I will give a 10/10 to the IDirect Team.


Saurabh Tulsian

I was looking for a insurance policy for a long time and had contacted many people but every time felt like that something is missing. But with IDirect specially with my RM, I felt that yes this is what I was looking for as here the focus was on my need not on the premium. The process was so smooth that never felt like giving a followup date. Thanks team for all the help. Will definetly recommend this to my family and friends.


Roop Singh

I highly recommend purchasing insurance from ICICI direct. Love their service and prices, the best part is flawless process. I bought an insurance on the advice of my relationship who was very prompt in service and response even after his official hours. I would rate my experience 5 out 5 and would recommend icici direct to my family and friends. I have used other platform as well but the knowledge is at elite level regarding my needs.


Lokesh Singh

ICICI Direct provide excellent and prompt service. They provide service that has the customer first in their mind. My buying experience with ICICI Direct is very smooth and hassle free. I bought an Insurance plan on the advice of my relationship manager. I have got proper assistance. He was prompt, knowledgeable and efficient. He always finds us the best deals. I would highly recommend to everyone as they are very professional who take their work seriously. I have used other brokers as well but ICICI is very competent, helpful and customer friendly.


K Siva Prasad

The platform provided by icicidirect.com is THE BEST available in the country which gives you all sorts of informations & guidelines for your all financial solutions. This is a user friendly platform which even an ordinary person can Easily Operate, Conduct & manage all their investments & trading requirements without any hiccups! Once again offering my High Appreciation & Looking forward to continue the same for the years ahead!


Rajesh R

I found ICICI direct executive to be very prompt, knowledgeable and efficient in finding me the best deal of Insurance. I am more satisfied to doing the investments with ICICI Direct. I have always felt confident that I was making a wise decision by investing in ICICI Direct.

Chandra Shekhar Patra

I have a very good faith in ICICI brand.Really happy with the service.I have purchased some of the insurance Products where the process were smooth and hassle free ,also been assisted by my Relationship Manager through out the process.I appreciate their help and always recommend my friends and family .There were other lucrative options availabe in the market ,however I felt ICICI direct is more transparent and better products to offer.


Punyabrata Mazumder

I completely trust ICICI Direct. I am happy with the service and it was very easy to complete the process . I have opted for 2 insurance products where the process were smooth and hassle free , and also been assisted and supported by my Relationship Manager throughout the process. I appreciate RMs help and will always recommend idirect to my friends and family members. Even I think that ICICI Direct is transparent and has best product to offer.


Gaurav Dixit

It was an excellent experience to interact with ICICI Direct. The team is very customer orientated and I have been a dedicated customer for 10+ years now. The online platform is user-friendly and easy to operate as per my requirements. Overall, ICICI Direct has a proactive team providing us with spontaneous services.


Veejay Khatri

My experience with ICICI Direct has been very comfortable so far. The best about ICICI Direct is the comprehensive online portal and quick service from Relationship Manager. RMs go beyond their service hours to be available for us. It is an easy to use portal where I can track all my investments just under ONE login. Everything is just a click away. The company does a thorough analysis on portfolio options and recommends products both in mutual fund and term plan as per my needs. ICICI Direct is a company with dependability, trust with very investor friendly policies and products.


Ranjit Ganguly

ICICI Direct provides excellent services. I have maximized my benefits by investing with ICICI Direct. The online platform is user-friendly. Relationship Managers are up to the mark and have a proactive approach to provide the best possible products & services for my needs.


Kanika Thap

Services and support from ICICI Direct has been good so far. I do make the best use of the online platform. It is easy to use and very informative. Relationship manager are easy to approach and do business with. They go at lengths to ensure a problem solving approach. Service team is too good.


Prasenjit Das

I would like to start with appreciating the online investment system which is easy to use and if I face any issues, there are always good and understanding relationship managers to help us through the process. Placing an investment order and managing my portfolio is very stress-free.


Ajoy Mondal

I have been using ICICI direct online platform since the last 10 years. I am glad to have placed my investments in the right hands. Easy going approach both online and offline makes a customer like me feel at ease. Service Team is excellent and super-responsive.

Why our customers love us?

And, we think you will too.

Card image cap

6500+ Health Network Providers*

for a hassle-free service

*As on January 3, 2022
Card image cap

Quick claim intimation

through our IL Take Care app

Card image cap

24x7 customer support

Call centre | Chat | 273* branches

Your Right To Know

We’ve got the answers for most common general questions.

1. Why do I need Health Insurance?

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.

2. How will health insurance pay for my emergency medical expenses?

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.

3. What do you mean by Family Floater Policy?

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.

4. Will my health insurance cover begin from day one?

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.

5. What is pre-existing condition in health insurance policy?

It is a medical condition/disease that existed before you obtained health insurance policy.

6. If my policy is not renewed in time before expiry date, will it be denied for renewal?

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.

7. What happens to the policy coverage after a claim is filed?

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.

8. What is Unlimited Reset Benefit?

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.

9. Does my policy offer worldwide cover?

On the basis of the plan selected, Health Shield 360 Insurance policy covers Hospitalisation expenses (including planned hospitalisation) incurred abroad as well.

10. What is covered under Domiciliary Hospitalisation?

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.

11. What is Super No Claim Bonus?

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%.

12. What is the maximum Sum Insured under the new plans?

All plans come with multiple Sum Insured options up to a maximum of 100 Lakhs.

13. Can I increase my Sum Insured at the time of renewal?

Yes, you can increase the Sum Insured at the time of renewal. However, fresh waiting period would apply for the enhanced Sum Insured.


ICICI Securities Ltd. ( I-Sec). Registered office of I-Sec is at ICICI Securities Ltd. - ICICI Centre, H. T. Parekh Marg, Churchgate, Mumbai - 400020, India, Tel No : 022 - 2288 2460, 022 - 2288 2470.

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.Please note, distribution of products offered by Faircent.com are not Exchange traded products and I-Sec is just acting as distributor 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 information contained herein is strictly confidential and meant solely for the selected recipient and may not be altered in any way, transmitted to, copied or distributed, in part or in whole, to any other person or to the media or reproduced in any form, without prior written consent of ICICI Securities Limited. The contents of this mail are solely for informational purpose and may not be used or considered as an offer document or solicitation of offer to buy or sell or subscribe for securities or other financial instruments or any other product. While due care has been taken in preparing this mail, I-Sec and affiliates accept no liabilities for any loss or damage of any kind arising out of any inaccurate, delayed or incomplete information nor for any actions taken in reliance thereon. This mail is not directed or intended for distribution to, or use by, any person or entity who is a citizen or resident of or located in any locality, state, country or other jurisdiction, where such distribution, publication, availability or use would be contrary to law, regulation or which would subject I-Sec and affiliates to any registration or licensing requirement within such jurisdiction.

Lending on Faircent.com is subject to defaults. Please read the borrower profiles carefully before investing. Fairassets Technologies India Pvt. Ltd. (Faircent.com) has a valid Certificate of Registration dated May 16, 2018 issued by the Reserve Bank of India under Section 45 IA of the Reserve Bank of India Act, 1954. However, the RBI does not accept any responsibility or guarantee about the present position as to the financial soundness of the company or for the correctness of any of the statements or representations made or opinions expressed by the company and for repayment of deposits / discharge of liabilities by the company. The ratings given for each Borrower, Product or Partner is based on an internal mechanism developed by Faircent taking into account various factors such as quality of borrowers, their credit history, the tenure of loans, diversity of portfolio and the partners vintage, reach, control over funds, credit history, strength of management and assistance or collection support provided, which Faircent believes in good faith may assist lenders in their selection of Borrower, Product or Partner. Faircent is not a rating agency and the factors considered to rate a Borrower are not industry approved factors nor approved, or in accordance with any regulatory authority. You may therefore choose to rely on these ratings at your sole discretion and Faircent will not be liable or responsible for your reliance on these ratings. The data provided above is purely for information purposes and being dynamic is true as of the date of publishing but can change immediately thereafter and Faircent is not accountable for its authenticity or veracity

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., Niva Bupa Health Insurance Ltd & HDFC ERGO General Insurance Company 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. Product Name: Health Shield 360 UIN: ICIHLGP22083V022122