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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
  • Cumulative Bonus Protector (ASI)
  • 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 Cover

  • Air Ambulance Cover

  • 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 up to 75 years

  • Pre and 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.

Testimonials

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.

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6500+ Health Network Providers*

for a hassle-free service

*As on January 3, 2022
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Quick claim intimation

through our IL Take Care app

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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.

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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.

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