Buy Health Shield Inclusive Health Insurance by ICICI Lombard Policy Online

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What is Health Shield Inclusive?

Health Shield Inclusive is an individual health insurance policy by ICICI Lombard and at the heart of it is a simple promise: you’ll never have to choose between your health and your savings. This policy covers every aspect of your medical journey—from pre and post-hospitalisation medical expenses to advanced treatments, including surrogate and oocyte donor medical expenses. Our goal is to provide you with access to quality healthcare while ensuring you're protected from the burden of hefty medical bills.

Top reasons to buy Health Shield Inclusive

No maximum age limit
Affordable premium
Ensures cashless hospitalisation^Q at all hospitals in India
Covers treatments like robotic surgeries, oral chemo, & more

Includes surrogate and oocyte donor hospitalisation expenses
Covers treatment at home when hospitalisation isn’t an option
Tax benefits under section 80D (old regime)
Lifetime renewability

Who is eligible for Health Shield Inclusive?

This individual health insurance policy is ideal if you seek lifelong health coverage for your family members or you. It can be offered to children from birth up to 17 years old. Adults of the age 18 and above can also be offered this individual health insurance policy, with no maximum age limit.

Note: Expats and foreigners residing in India with a valid permit are also eligible.

What are the benefits of renewing your car insurance online?

Why should you buy a health
insurance policy from us?

Hassle-free process
No heavy paperwork
Covers everything from pre to post hospitalisation expenses
Covers modern treatments, AYUSH treatments, donor expenses
Complete coverage at an affordable premium
24x7 customer support for policy and claim-related queries
Cashless hospitalisation^Q across hospitals in India

What’s included and what’s not?

Inclusions
Exclusions

Benefits covered

In-patient treatment
Day care procedures/treatment
Technological treatments and advancements
Pre-hospitalisation medical expenses
Post-hospitalisation medical expenses
In-patient AYUSH hospitalisation

Domestic road ambulance
Donor expenses
Domiciliary hospitalisation
Bariatric surgery cover
In-patient hospitalisation for surrogate mother
In-patient hospitalisation for Oocyte donor

Note: This is only an indication of the inclusions and exclusions of the policy. For complete details, please refer to the complete policy documents, including policy wordings.

Standard

Expenses related to pre-existing diseases within the waiting period for 36 months. They’ll be covered after the waiting period if they are declared at the time of buying and we accept the same.
If the sum insured is increased at renewal, waiting periods will startafresh for the extra sum insured.
Waiting Period for Specified Diseases
Expenses related to specified disease for 24 months of continuous coverage after the date of inception of the first policy with us.
If any of the specified disease/procedure falls under the pre-existing diseaseswaiting period, the longer waiting periods shall apply.

List of specific diseases/procedures

Cataract¹
Benign prostatic hypertrophy
Myomectomy, Hysterectomy unless because of malignancy
All types of Hernia, Hydrocele
Fissures &/or Fistula in anus, hemorrhoids/piles
Arthritis, gout, rheumatism and spinal disorders
Joint replacements unless due to accident
Sinusitis and related disorders
Stones in the urinary and biliary systems
Dilatation and curettage ,Endometriosis
All types of Skin and internal tumours/cysts/nodules/polyps of any kind including breast lumps unless malignant
Dialysis required for chronic renal failure
Surgery on tonsils, adenoids and sinuses
Gastric and Duodenal erosions & ulcers
Deviated nasal septum
Varicose veins/Varicose ulcers

Disclaimer:
1. After 2 years from the policy inception date. Our maximum liability arising out of any claim for a cataract treatment shall be restricted to 10% of annual sum insured subject to a maximum of ₹50,000/eye.

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