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Anywhere Cashless

Cashless hospitalisation in any hospital of your choice, no network restrictionsQ

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What is iShield?

Protect the people you live for with the dual benefits of iShield health & life combi insurance policy from ICICI Lombard and ICICI Prudential. Cover your and your family's health care expenses and ensure a secure financial future for your loved ones, even when you are not around.

Get coverage for regular doctor consultations, hospitalisation, drugs, and preventative check-ups for you and others covered in your policy. And if life takes an unexpected turn, get paid a cash lump sum amount to help look after your family if you were to pass away or become terminally ill.

While you can purchase these two plans separately, the iShield plan requires you to submit medical tests and other documentation once for both life and health insurance and manage your policies easily.

The sum insured for health cover ranges between ₹5 lakhs to ₹20 lakhs and ₹50 lakhs to ₹1 crore for life cover. Anyone between 18-65 years can purchase this plan and take advantage of the tax benefits provided under 80C and 80D of the Income Tax Act.

Anywhere Cashless HospitalisationQ

Enjoy the flexibility to select any hospital for you and your family's medical needs, without the concern of financial constraints. Access cashless hospitalisation benefits not only at network hospitals but also at any nearby hospital of your choice. Gone are the days of searching for network hospitals or waiting for claim refunds. By availing cashless hospitalisation benefits at any hospital, you can expedite the recovery process for yourself and your loved ones, free from the additional stress of managing hospital bills.

iShield Combi Policy

Top advantages of iShield insurance policy

Anywhere Cashless - Freedom from network hospital limitation. Get cashless hospitalisation at any hospital of your choice. Submit request through the ILTC app 24 hours before planned admission date.
Complimentary health check-ups at our designated centers
Enhanced protection with coverage against diseases, injury, death, terminal illness and disability
Cost-effective policy with a 5% premium discount on health premium
Comprehensive additional benefits with the option to choose Accidental Death Benefit and Accelerated Critical Illness Benefit
Need-based term life benefit payout with the option to receive the benefit amount as a lump sum or as monthly income for 10 years, or a combination of both
Life cover till the age of 85/99 years of age
Waiver of future premiums in case of permanent disabilityR due to an accident
Special premiums rates for non-tobacco users
Flexibility to pay premiums once, for a limited period or throughout the policy term in monthly, quarterly, half-yearly instalments
Tax benefitsQ may be available on premiums paid and benefits received as per the prevailing tax laws

4 benefits of bundling health & life insurance policies

Combi or bundled life & health plan helps reduce the time and hassle spent buying multiple insurance policies. Instead of communicating with various providers about varied covers, you pay a single provider for all the benefits you need— in one straightforward premium, paid in instalments or annually.

And whenever you need to change or adjust one of your policies, you only have to
deal with one provider.

  • 1 Single life and health insurance proposal for the customer
  • 2 Smooth onboarding process: One proposal form, single medical check-up, premium payment, policy document
  • 3 Easy renewal & tracking with a single payment
  • 4 Reduction in the cost of your total premium: 5% premium discount on health premium

Flexible payout options for term life insurance cover

Avail term life insurance coverage in a way that meets your financial requirement. Select your preferred payout option at the time of buying the policy.

  • Lump sum

    The entire benefit amount is payable as a lump sum
  • Income

    10% of the benefit amount payable annually for 10 years
  • Lump sum & Income

    A % of life cover is paid as a lump sum. The remaining life cover is paid as income for 10 years
  • Increasing income

    10% of the benefit amount is payable in the first year and after that, increasing by 10% p.a. (simple interest) every year, payable for 10 years

High claims settled ratio

ICICI Lombard
health insurance

Claim settled ratio was


ICICI Prudential
Life insurance

Claim settled ratio was


In FY20-21

iShield combi policy: Key inclusions & exclusions

  • Inclusions
  • Exclusions

Term life insurance coverage

  • Hospitalisation

    Cover for reimbursement & payment of cashless hospitalisation expenses in case of illness or injury
  • Day care treatment

    Medical expenses for day care treatment undertaken as in-patient in a hospital for continuous period of less than 24 hours
  • Pre & post hospitalisation expenses

    Medical expenses incurred due to illness up to 60 days period immediately before and 180 days immediately post hospitalisation
  • Teleconsultation

    Tele consultations and recommendations for common health issues by a qualified health care professional
  • Domestic air ambulance

    Expenses incurred on air ambulance services which are offered by a healthcare or an air ambulance service provider up to sum insured
  • Surface ambulance service

    Expense of transport by ambulance to hospital or between hospitals and/or diagnostic center for treatment. Coverage limit under this shall be 1% of the SI up to a maximum of ₹10,000
  • Homecare treatment

    Covers treatment cost in case customer opts to get treated at home instead of getting hospitalised provided doctor has recommended the treatment
  • Claim Protector

    IRDAI list of non-payable items shall become payable in case of a claim
  • Sum Insured (SI) Protector

    The SI will be increased at renewal on the basis of inflation rate of previous year
  • Restore benefit

    Restore sum insured up to 100% of the base sum insured once in a policy year if the SI is exhausted or insufficient due to previous claims in that policy year
  • Guaranteed cumulative bonus

    Get 20% (up to a maximum of 100%) extra sum insured awarded to you over your base sum insured for every claim-free year

Term life insurance coverage

  • Death benefit

    Payable on death or diagnosis of terminal illness as specified in the policy document
  • Waiver of future premiums

    In case of permanent disability due to an accident we will waive off future premiums. The policy will continue for the Death Benefit.
  • Accidental death benefit

    Guaranteed ₹1,00,000 benefit with max payout amount up to the sum insured following T&C chosen by you.
  • Critical illness (ACI) benefit

    Protection against 34 critical illness and a minimum ₹1,00,000 cash payout in case of diagnosis* and max benefit up to SI based on T&C of the policy. Not available for single-pay policies.
Read more
This list contains only major inclusions & exclusions. For the full list, please read our policy document.

    Health coverage exclusions

  • Any illness contracted within 30 days from the start date of your policy, except those incurred due to an accident. This clause does not apply to the subsequent renewals.

  • For the first 2 years, some diseases like cataract, hernia, stone in the urinary system and others will not be covered.

  • Any illness or disease or injury or a pre-existing disease before the start of the policy. However, these pre-existing diseases start to get covered if the policy is renewed with us for two consecutive years.

  • Permanent exclusions

  • War, civil war or breach of law.

  • Naturopathy treatment, acupressure, acupuncture, magnetic and other such therapies.

  • Treatment taken outside the country.

  • Any expenses arising out of domiciliary treatment.

    Term life coverage exclusions

    For Waiver of Premium on permanent disability, the following exclusions shall apply. Permanent disability due to an accident caused by any of the below causes will not be considered:

  • Attempted suicide or self-inflicted injuries

  • Accident under the influence of any narcotic or intoxicating substance

  • Engaging in adventure/hazardous sports such as boxing, powerboat racing, climbing, etc.

  • Participating in aerial fights, parachuting, and skydiving other than as a fare-paying passenger crew on a licensed passenger.

  • Dialysis required for chronic renal failure

Read more
This list contains only major inclusions & exclusions. For the full list, please read our policy document.

How does the iShield health & term life insurance policy work together?

How to raise a claim for the iShield combi policy?

Claim processing to avail health insurance benefits:

Cashless Basis

  • In case of emergency or planned hospitalisation, use your health ID card at our network hospitals and avail of cashless service.
  • You can also seek pre-authorisation by providing your policy number and ID proof to the hospital, which can coordinate with our claim team to offer a cashless facility.
  • Cashless approval is subject to pre-authorisation by us.
  • Complete the pre-authorisation process 48 hours before a planned hospitalisation & within 24 hours of hospitalisation in case of an emergency.
  • Contact us with your policy number, name, relationship with the policyholder, nature of illness or injury, name and address of the doctor/ hospital and any other information that may be relevant to the hospitalisation to finish the pre-authorisation process.

Reimbursement Claims

Immediately notify us about the claim by calling the toll-free number specified in the policy document. You or someone claiming on your behalf should then send us the following documents in original within 30 days after your discharge from the hospital:

  • 1Duly completed claim form signed by you and the medical authority. The claim form can be downloaded here.
  • 2Original bills, receipts and discharge certificate/card from the hospital or doctor.
  • 3Actual bills from chemists supported by proper prescription.
  • 4Initial investigation test reports and payment receipts.
  • 5Indoor case papers
  • 6Doctor's referral letter advising hospitalisation in non-accident cases.
  • 7Any other document as required by us or our in-house claim processing team to investigate the claim.

Claim processing to avail of term life insurance benefits:

For processing a claim under this, we will require the following documents (as may be relevant):

  • 1
    Claimant's statement
  • 2
    Original policy document
  • 3
    Death Certificate of the insured issued by the local municipal authority
  • 4
    Any other documents or information as may be required by us for processing of the claim depending on the cause of the death
  • 5
    A cancelled cheque for processing electronic payment
Read more

Frequently asked questions

  • General
  • Cover
  • Premiums
  • Claims
  • Policy

What is iShield combi proposition?

iShield is a dual cover offering term and health insurance in a single proposition. This proposition combines the dual benefits of health insurance from ICICI Lombard and term insurance from ICICI Prudential Life Insurance.

What is a term plan?

A term life insurance policy is the simplest form of life insurance: You pay a premium for some time - typically between 30-40 years - and if you die during that time, a lump sum benefit is delivered to your family (or anyone else you name as your beneficiary).

How does a family floater plan under the ICICI Lombard health insurance work?

The total sum insured in a family floater plan is available for each policy member. So, if the total sum insured is ₹10 lakhs, and member one claims ₹3 lakhs, ₹7 lakhs will be the available sum insured amount for the remaining members in the plan for that given policy year.

What is the age limit for taking this policy?

The minimum age limit for taking this policy is 18 years, and the maximum is 60 years.

Why should you buy the iShield policy for yourself and your family?

In today's uncertain times, ensuring your dependents are financially protected even if you are not around is important. iShield helps you cover your and your family's health care expenses and ensure your dependents are financially protected if life takes an unexpected turn. Health insurance enables one to take care of emergency medical bills, while term insurance enables you to ensure your family is cared for after an unexpected demise.

What should I look for while purchasing a combi health & term insurance policy?

Combi or bundled life & health plan helps reduce the time and hassle spent buying multiple insurance policies. While purchasing a health policy under the combi policy, make sure that you select a health insurance plan that covers your and your family's health needs sufficiently and comes to your aid in case of an emergency. The term insurance coverage you need depends on your current annual income. We recommend that a term insurance cover equivalent to 10-15 times your yearly pay is sufficient to provide for a safe future for your family.

How is a combi policy beneficial?

Combi or bundled life & health plan helps reduce the time and hassle spent buying multiple insurance policies. Instead of communicating with various providers about varied covers, you pay a single provider for all the benefits you need— as one premium. And whenever you need to change or adjust one of your policies, you only have to deal with one provider.

Are there any age limits for buying a term plan?

Yes, the minimum and maximum age for buying a term plan is 18 and 60 years, respectively.

What are the payout options available for the term insurance policy?

You can choose how you want your nominee to receive the term insurance claim payout, from our three flexible payout options:
  • Lump sum - entire claim amount is paid out at once
  • Monthly income -life cover payout is made in equal monthly instalments
  • Increasing income - life cover payout in monthly instalments that increase by 10% every year
Our term insurance premium calculator allows you to check premiums for each of these payout options and you can choose whichever is the best suited for you.

Will this policy honour my claim if I die outside the country?

Yes, the policy covers deaths all over the world.

Will the health insurance cover hospitalisation expenses for COVID-19?

Yes. Covid-19 related hospitalisation is covered in the policy.

Can I purchase term insurance if I'm a smoker?

Yes, you can purchase term insurance if you are a smoker.

Is overseas treatment for an illness covered?

Any form of treatment taken outside India will not be covered. However, if you opt for worldwide coverage, it is included.

Are all the major corporate hospitals on the network?

With ICICI Lombard's Anywhere Cashless service, you can get hospitalised in any hospital near you by informing us 24 hours beforehand. You can claim reimbursement if you need emergency hospitalisation and cannot tell us ahead.

What are the different modes of payment on

You can choose between any of these payment options to pay your premium online:
  • Credit Card - Make secure premium payment with your VISA, Master, AMEX, RuPay or Diners Club card.
  • Net banking - Transfer the premium amount online through ICICI Bank or any of the other 50+ banks.
  • Debit Card - Just enter your bank's debit card details to pay your insurance premium directly.
  • UPI and e-wallets - Pay through UPI apps such as Google Pay, BHIM UPI & PhonePe, or an online wallet.
  • EMI - Use the credit/debit card EMI facility to pay your premium in instalments

Will my premium be the same when I renew my policy?

Your premium depends on your age and the benefit amount/coverage period you have opted for in your policy. If you move to a higher age band at the time of renewal, the premium will change as per the new age band. If you upgrade your product to a higher sum insured at the time of renewal, add covers or make changes to the coverage period, your premium will change.

What is the grace period for making a premium payment?

A grace period for payment of premium of 15 days applies for monthly premium payment mode and 30 days for other modes of premium payment. If the premium is not paid within the grace period, the policy shall lapse and cover shall cease

How can I raise my health insurance claim post-hospitalisation?

In case of planned hospitalisation, pick any hospital convient to you to avail of ICICI Lombard's Anywhere Cashless service, just inform us 24 hours beforehand and ensure that you don't have to pay the hospital bills out of your pocket. To raise a reimbursement claim, contact us by using any of the following ways:

Who do I call at the time of emergency hospitalisation?

You can contact us on our toll-free number, 1800 2666 or SMS "HEALTHCLAIM" to 575758 for a callback. Use the health card at any network hospital to avail of our cashless service.

What do I do if my claim is rejected?

A claim can be rejected for several reasons, such as an incomplete waiting period, incorrect information provided, delay in making a claim & others. If your claim is denied, you can ask the reason for such rejection. If you're not convinced, you can contest the decision.

How can I file a claim for the term insurance plan?

We have a 3-step claims process:

Step 1: Claim Reporting

You can report your claims online, at our branches, central office, via SMS, email or through our call centre as per your convenience. However, claims reported online, through SMS or email will not be considered intimation. Physical documents must be sent to the nearest branch to start the process.

The documents needed are:

  • - Claimant Statement Form (Death claims / Health claims )
  • - Death Certificate (for Death Claims)
  • - Medical/Hospitalisation Documents
  • - Claimant's current address proof, photo identity proof and cancelled cheque / Copy of bank passbook (for Death Claims)

Step 2: Claim Processing

Our dedicated ClaimCare team will assess your claim and inform you if any more documents need to be submitted. Post receiving all the necessary documents, we will process your claim request.

Step 3: Claim Settlement

Once your claim is intimated and we receive all the relevant documents, we will settle your claim.

Am I allowed to change the policy term for the term insurance cover once I have bought the policy?

No, the policy term cannot be changed once the policy is issued.

Can I return the policy if I am not satisfied with it?

We provide a 15-day free look period. You may cancel this policy in the free look period by giving us written notice, and then we shall refund the premium.

Do I need a pre-medical check-up before buying the iShield policy?

You will be informed if you need to get a medical check-up done based on the health details submitted by you. Generally, if you're above 45 years of age, then a pre-medical check-up will be required. The company bears the cost of the medical tests.

What happens if I don't renew my policy on time?

We provide a grace period of 30 days from the expiry of the policy. Beyond this period, you lose your renewal benefits, including continuity benefits required to cover pre-existing diseases. You will have to apply for a fresh policy post the grace period.
Product Product Code UIN no.
iShield 4119 IRDAN115RP0013V01202122

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