ICICI Lombard Health Insurance
Claim settlement ratio 97.07% (FY 2021-22)
NCB* 10%, up to 50%*
PED Waiting# 24 months#
Network Hospital 3200+
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Golden Shield is ICICI Lombard’s special health insurance plan for senior citizens aged 56 years and older. The company understands that as we age, our body needs change and we need special care and treatment to keep ourselves fit and healthy. The plan offers senior citizens the benefit of free health check-ups every year, tax benefits under Section 80D of the Income Tax Act, 1961, and coverage for road and air ambulance services.
Cashless hospitalisation Cost coverage for AYUSH treatments Reset benefit enabling the insured to reset 100% of the sum insured for one time during the policy term, if it has been completely exhausted during that particular term E-counselling, teleconsultations, care calls, second opinions for terminal illnesses, yoga and meditation sessions, etc. A cumulative bonus is guaranteed for every claim-free year Treatment costs for cataracts and other modern treatments covered
Treatment cost for self-inflicted injury Cosmetic surgery Pre-existing diseases until the waiting period of 2 years Civil war injury Treatment of sexually transmitted diseases except for HIV/AIDS Dental treatment due to accidentSome of the most popular insurance products offered by ICICI Lombard General Insurance are:
* 10% Cumulative Bonus (CB) of the Sum Insured annually at the end of every policy year, provided the expiring plan has been free of claims and continuously renewed with the insurer. No accumulation of Cumulative Bonus beyond 100% of the Annual Sum Insured.
# Costs pertaining to Pre-Existing Disease (PED) treatment and any direct complications arising thereof shall be excluded until the end of 24 months or 2 years of regular coverage after the start date of the first policy by the insurance company.
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