Should I buy health insurance for my parents?

Keeping in mind the skyrocketing costs of availing healthcare facilities and constantly rising medical inflation in India, it makes sense to invest in a good health insurance plan for your parents. In the absence of the same, you may have to pay for the expenses out of your pocket in case of a medical emergency. This could result in the depletion of your entire savings.

Why is it better to opt for an early healthcare plan for my parents?

It is a known fact that health insurance premiums rise with the increase in the insured person’s age. Hence, it is better to opt for a healthcare plan for your parents at an early stage. It will keep the premiums in check. Also, many insurance providers put a cap on the maximum entry of the insured. Therefore, buy a health plan for your parents early on so that they are not denied for it later.

My parents have a pre-existing disease; Can I buy health insurance?

Yes. Many health insurance policies cover certain pre-existing diseases, albeit with a waiting period of two to four years. It means that these policies will cover the treatment of certain pre-existing diseases after the completion of the waiting period. Go for the policy with a minimum waiting period.

Is there any age limit while buying health insurance for parents?

It varies from one insurance company to another. Usually, every health insurance policy has certain age criterion. There can be a minimum and maximum entry age for the insured to avail the policy. Do check for these conditions with the insurer before buying a health policy for your parents.

Is there any medical test in health insurance for parents?

It depends upon the insurer. While some insurance companies may not require medical tests to issue a health insurance policy, some make it mandatory. Usually, if the prospect is above the age of 45, his/her pre-medical screening is necessary.

Can I cover my parents in my existing health insurance policy?

Yes. You can include your parents in your existing family floater plans. However, do check the maximum age criteria with the insurance provider before doing so. A wise option is to purchase a separate health insurance policy for your parents since including them in your family floater plan may shoot up its premium.

How Can I enhance my parents’ insurance coverage?

You can customise your parental insurance policy in multiple ways to enhance its coverage. For instance, you can opt for a higher sum insured at the time of policy renewal. Additionally, you can attach some add-on covers (available at additional premium) such as critical illness rider, personal accident cover etc. to your base policy to enhance its coverage.

Can I include my senior citizen parents in a family floater insurance plan?

Insurers generally do not allow the inclusion of senior citizens in a family floater plan. They tend to cover the members below the age of 60 only. What you can do is purchase individual health plans for your mother and father or buy a separate family floater plan for both of them.

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What is ICICI Lombard’s Family Shield Health Insurance?

ICICI Lombard’s family shield is a health insurance policy that provides hospitalisation benefits for specific infectious diseases, such as vector-borne diseases, rabies, tetanus, gastrointestinal infections, viral infections, and nervous system infections. Additionally, it offers optional benefits like broken bones coverage, lifestyle support benefit, compassionate visit benefit, and more.

Top reasons to buy ICICI Lombard’s Family Shield Health Insurance policy

Here are some reasons to buy the ICICI Lombard Family Shield policy:

Keeps you safe from infections like dengue, viral bugs, and stomach issues
Eligible for tax benefits under section 80D of the income tax act, 1961

Why should you buy a family shield health insurance policy for yourself and your family?

Rising healthcare costs can strain finances; a family shield health insurance ensures coverage for all members.
Employer health plans may lack sufficient coverage and cease with job changes.
Lifestyle diseases are increasing; early purchase protects savings from high treatment costs.
Family health insurance saves on premiums compared to individual policies.
Tax deductions under section 80d make family health insurance a financially smart choice.

Why should you buy family shield health insurance online from ICICI Lombard?

Buying family shield health insurance online from ICICI Lombard offers several advantages, such as:

Quick and easy policy purchase from anywhere.
Basic documentation with minimal paperwork.
Flexible options to personalise coverage for your family.

What is covered in ICICI Lombard family shield health insurance

Inclusions
Exclusions

1Specific disease benefits

Specific vector-borne diseases benefit
Rabies and tetanus benefit
Specific viral infections benefit
Specific gastrointestinal infections benefit
Specific nervous system infections benefit

2Personal accident benefits

Death benefit
Permanent total disablement benefit
Permanent partial disablement benefit
Temporary total disablement benefit
Accidental hospitalisation expenses reimbursement benefit
Accidental hospitalisation daily cash benefit
Children's education grant benefit
Physical rehabilitation benefit
Loss of job benefit
Recovery benefit
Diagnostic test benefit

Here is the list of exclusions under the ICICI Lombard’s family shield policy:

Non-accidental dental surgeries
Expenses related to maternity or pregnancy termination
Cosmetic or plastic surgeries- (it is covered only in case of accidents)
Surgical treatments for obesity
Gender transition procedures
Unproven or experimental treatments
Hormone replacement therapy
Intentional self-harm or self-injury
Injuries or treatments resulting from participation in hazardous or adventure sports. This exclusion shall not apply in case of adventure sport benefit is in force for the insured person.

ICICI Lombard’s family shield health insurance policy extension benefits

Lifestyle support benefit
Burns benefit
Broken bones benefit

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Frequently asked questions on family shield policy

What vector-borne diseases are covered under the ICICI Lombard’s family shield policy?

The ICICI Lombard’s family shield policy covers the following vector-borne diseases: dengue, kala azar, malaria, chikungunya, zika fever, japanese encephalitis, and filariasis under the specific vector-borne disease benefit.

What is the minimum hospitalisation requirement to claim vector-borne disease benefits under the ICICI Lombard’s family shield policy?

To claim vector-borne disease benefits under the ICICI Lombard’s family shield policy, you must be hospitalized for a minimum of 2 consecutive days.

How can I check the details of my ICICI Lombard’s family shield policy?

You can review the details of your ICICI Lombard’s family shield policy by referring to the policy documents or contacting our customer support team.

How can I check the price of the ICICI Lombard’s family shield policy?

You can view the ICICI Lombard’s family shield policy premium chart to check the policy price. Alternatively, you can use a health insurance premium calculator on to calculate the cost of the policy.