Short answer

ICICI Lombard Health Shield 360 is available in different versions and the applicable benefits and conditions depend on the policy's UIN. The current retail version is identified by UIN ICIHLIP25037V022425. Its coverage includes hospitalisation, day-care treatment, AYUSH treatment and specified modern treatments, along with a reset benefit subject to the policy terms. Check the UIN on your policy schedule before relying on eligibility, waiting periods, limits or optional covers. The group version, sold only to ICICI Bank customers, takes adults aged 21 to 75 and covers declared pre-existing conditions after a 30-day initial wait. Check the UIN on your policy first, because the rules change with it.

₹3L–₹3CrRetail Sum Insured
13,000+Network Hospitals
0%GST on Premium
30 daysFree Look Period

ICICI Lombard Health Shield 360

A salaried ICICI Bank customer gets a call about ICICI Lombard Health Shield 360 and hears that declared pre-existing conditions are covered after just 30 days. A neighbour who bought a policy with the same name straight from the insurer is told the wait could be 12 or 24 months, depending on the plan variant. Both are right and that is the trouble. Health Shield 360 exists as a retail policy, as a group policy for ICICI Bank account holders and as a top-up and the three differ on entry age, waiting periods and even who is allowed to buy. Assume the wrong one and a parent's diabetes-linked admission can be turned down at the hospital desk, weeks after the premium cleared. This guide sorts out which version is which, what each pays for, what it costs and how a claim actually moves.

What Is ICICI Lombard Health Shield 360 and Who Can Buy It?

The name covers more than one product, so it pays to separate them before weighing a single benefit.

ICICI Lombard Health Shield 360 is a hospitalisation plan built around a reset benefit, loyalty bonuses and a points-based wellness programme. ICICI Lombard Health Shield 360 Retail is available under the current UIN ICIHLIP25037V022425, effective from 1 October 2024. The earlier Health Shield 360 Retail product under UIN ICIHLIP23165V012223 was withdrawn on 30 September 2024. Therefore, readers should check their policy schedule and UIN before relying on benefits, waiting periods or other terms from an older policy document.

Which Health Shield 360 UIN Applies to You?

ICICI Lombard has issued Health Shield 360 under different UINs over time. The earlier retail version, ICIHLIP23165V012223, was withdrawn on 30 September 2024. The current retail version is identified by UIN ICIHLIP25037V022425 and became effective from 1 October 2024. The group version has also undergone subsequent refills. Because benefits, waiting periods, eligibility and other conditions can differ between product versions, always match the UIN on your policy schedule with the applicable ICICI Lombard policy wording before relying on any product detail.

One catch worth knowing: ICICI Lombard's own health insurance page currently promotes Elevate, Health AdvantEdge, MaxProtect and Activate Booster and Health Shield 360 is not on that shelf. The table below lines up the three versions on the points that usually decide a purchase.

Point Retail Group (ICICI Bank customers) Top-up (ICICI Bank customers)
Who can buy Residents of India, including expatriates with a work permit ICICI Bank customers enrolled as insured members ICICI Bank customers, sourced with a new salary or savings account
Entry age 6 years, no upper limit Adults 21 to 75 Adults 21 to 60
Children 3 months to 5 years on floater only; dependants up to 20 91 days to 20 years, floater only 91 days to 20 years, floater only
Sum insured Rs. 3 lakh to Rs. 3 crore Options include Rs. 75 lakh and Rs. 1 crore Rs. 15, Rs. 25 or Rs. 50 lakh above a Rs. 2 to Rs. 5 lakh deductible
Policy term 1, 2 or 3 years 1 year 1 year
Initial wait 30 days 30 days 30 days
Pre-existing disease wait 12 or 24 months, by plan No separate wait for declared, accepted conditions 30 days for declared conditions
Specific illness wait (cataract, hernia and similar) 24 months 12 months 30 days

Note: Eligibility, sum insured options, policy tenure and waiting periods can vary by product version. The figures above should be read against the UIN and policy schedule applicable to the insured person. The current retail Health Shield 360 product carries UIN ICIHLIP25037V022425.

Read together, the retail plan gives you freedom on age and policy term, while the group plan shortens the wait for pre-existing conditions at the price of tying cover to your bank relationship.

ICICI Lombard Health Shield 360 Features: What Is Covered and What Isn't

Start with the base cover, since that is where most claims land.

Hospital bills and treatments

  • Inpatient treatment pays for stays of 24 consecutive hours or more, including room rent, ICU charges, nursing, doctor's fees, operation theatre charges, blood, oxygen, medicines and consumables, up to the sum insured.
  • Day care procedures needing less than 24 hours in hospital are covered as well, with intravenous chemotherapy, radiotherapy and haemodialysis named in the wording.
  • 12 modern treatments: the policy also lists 12 modern treatments it pays for up to the sum insured, among them robotic surgery, oral chemotherapy, monoclonal antibody immunotherapy and deep brain stimulation.
  • AYUSH treatment counts when taken in a recognised AYUSH hospital or day care centre.
  • Pre- and post-hospitalisation costs are payable up to the limits in your schedule and the group version spells them out as 60 days before admission and 90 days after discharge.
  • Domiciliary treatment at home is covered from the first day once it runs for at least three consecutive days, though conditions such as asthma, diabetes and hypertension are carved out.
  • Room rent: on the group and top-up versions, ICICI Bank's terms say there is no room rent restriction. For the retail plan the wording lists room rent under inpatient cover up to the annual sum insured, so check your schedule for any plan-specific limit.

Cover around the hospital stay

  • Road ambulance is reimbursed up to 1% of the sum insured, capped at Rs. 10,000, or paid as per actuals when arranged cashless.
  • Air ambulance is covered up to the sum insured for life-threatening emergencies within India, provided a doctor certifies it and road transport cannot do the job.
  • Donor expenses for an organ transplant are payable when the organ is for the insured person.
  • Home care treatment is covered up to 5% of the sum insured, capped at Rs. 25,000, but only cashless through ICICI Lombard's empanelled providers and with prior approval.
  • Tele-consultations have no cap on count and run round the clock.

What Is Not Covered: Health Shield 360 Exclusions

Exclusions are where most disputes start, so these are the ones that trip people up.

  • Infertility and assisted reproduction, including IVF, contraception and sterilisation.
  • Cosmetic or plastic surgery, unless it follows an accident, burns or cancer, or a doctor certifies it as medically necessary.
  • Obesity surgery, unless BMI is 40 or above, or 35 or above alongside a serious comorbidity such as coronary heart disease or uncontrolled type 2 diabetes.
  • Dental treatment, except when needed during an accident-related hospital stay and eyesight correction for refractive error below 7.5 dioptres.
  • Admissions purely for diagnostics or rest cure and treatment for alcohol or substance abuse.
  • Injuries from professional hazardous sports, such as mountaineering or scuba diving.
  • External congenital anomalies, maternity and treatment abroad, unless you have bought the optional maternity or worldwide cover.
  • Non-payable items, such as certain consumables, unless you take the Claim Protector.

Families holding both the group plan and the top-up should read each list separately, because the top-up's exclusions add voluntary termination of pregnancy in the first 12 weeks and naturopathy treatment.

Health Shield 360: Check the UIN Before Comparing Benefits
Health Shield 360 documents from different product versions may contain different eligibility rules, waiting periods, benefit names and other conditions. If you are reviewing an existing policy, use the UIN printed on your policy schedule to identify the applicable wording. For a new retail policy, the current product document carries UIN ICIHLIP25037V022425.

ICICI Lombard Health Shield 360 Policy Wording and Brochure: Where to Download

With three versions in circulation, the quickest way to settle an argument is the document itself.

You can also open ICICI Lombard's downloads page and pick Health Insurance, then Brochure or Policy Wordings. Your own policy document sits under My Policies after you log in with your registered mobile number on the website or the IL TakeCare app.

Match the UIN on your schedule to the document before quoting any number from it. The newer prospectus calls the Guaranteed Cumulative Bonus a Loyalty Bonus and the Super No Claim Bonus a Super Loyalty Bonus, with the same percentages and caps, so one benefit can appear under two names.

Quick facts

Retail UINICIHLIP25037V022425
Retail terms1, 2 or 3 years
RenewalLifelong
Helpline1800 2666 (24x7)

Key Benefits of Health Shield 360: Reset Benefit and Loyalty Bonus

Coverage lists look alike across insurers, which makes the features that set this plan apart worth a closer read.

Reset benefit

The Reset Benefit can restore up to 100% of the Annual Sum Insured, once for the same illness, disease or injury and unlimited times for different illnesses, diseases or injuries for the same insured person in a policy year, subject to the policy conditions. It does not trigger for the first claim, does not apply to a related relapse within 45 days of a claim and any unused reset amount does not carry forward to the next policy year. That suits a family where an unrelated second admission in one year is plausible and it does less for one chronic condition that keeps returning.

Loyalty bonus and Super Loyalty Bonus

The policy provides a Loyalty Bonus of 20% of the Annual Sum Insured, up to a maximum of 100%. The credited Loyalty Bonus is not reduced even if a claim is made under the policy, subject to the applicable policy terms. The optional Super Loyalty Bonus adds another 50% per completed year up to 100% and you forfeit the accrued amount if you drop it at renewal. SMC's explainer on the super no-claim bonus add-on shows how this accrual works across insurers.

Group plan bonus

The bank group plan uses a different mechanism, an Additional Sum Insured of 10% per claim-free renewal up to 100%, which is reduced by 10% of the sum insured after a claim.

Wellness points and tele-consultation

The policy also offers wellness-related benefits subject to the applicable terms and conditions. Check the current policy documents or ICICI Lombard's prescribed process for the eligibility, earning and redemption conditions applicable to your policy. You earn them by adding your policy in the app, taking the health risk assessment, hitting step targets and joining challenges and you need 400 points to redeem them. Unredeemed points carry forward for three years if you keep renewing without a break. The health coach is for insured persons aged 21 and above and you must register on the app within 30 days of the start date. It is a modest reward and not a reason on its own to buy the plan.

Moratorium, renewability and tenure discounts

The policy is subject to the applicable moratorium, renewal and non-disclosure provisions stated in the current Health Shield 360 policy wording. Policyholders should refer to the wording applicable to their UIN for the conditions governing claims after continuous coverage.

Renewal is lifelong with no upper age limit, no loading at renewal because you claimed and a 30-day grace period during which you have no cover. A two-year term earns 10% off the second-year premium and a three-year term earns 15% off the third-year premium. ICICI Lombard provides an additional 2.5% premium discount for the applicable pneumococcal vaccination condition, subject to the eligibility and documentation requirements specified in the policy terms.

Health Shield 360 Add-Ons and Optional Covers

Much of the plan's flexibility sits in optional covers, each priced separately.

Except for Claim Protector and Worldwide Cover, the sum insured of every optional cover sits over and above the base sum insured.

Add-on cover What it offers
BeFit (OPD cover) Cashless outpatient consultations, diagnostics and minor procedures, pharmacy, physiotherapy, e-counselling and diet consultations, all through the app, for insured persons up to 65 with a 30-day wait. The entry level gives one consultation and Rs. 500 of diagnostics and the top of the eight levels gives 20 consultations and Rs. 10,000.
Maternity and newborn baby cover Floater policies only, with both spouses on the same policy, up to two deliveries or terminations and a wait of 24 or 36 months on the retail plan, or one year on the bank group plan. Newborn cover runs for up to 90 days on the retail plan. For how these waits work across insurers, see SMC's guide to maternity health insurance.
Cash benefits Hospital Daily Cash pays a fixed daily amount from day three of a stay, up to 10 days, once a year. Convalescence Benefit pays a lump sum after 10 or more consecutive days in hospital. Compassionate Visit reimburses an economy air ticket for a family member up to Rs. 20,000 a year when a stay exceeds five days. Dependent Accommodation pays a daily amount for one family member for 3 to 10 days.
Nursing at home A qualified nurse at your residence for up to 15 days after discharge.
Sum Insured Protector Links your cover to inflation through the CPI. At 6% CPI, a Rs. 10 lakh sum insured gains Rs. 60,000 at renewal and opting out later wipes the accrued amount.
Claim Protector Makes normally non-payable items payable on an accepted claim, up to the annual sum insured.
Worldwide cover Hospitalisation anywhere including the USA and Canada, for India residents up to age 65, with a 10% co-payment on every claim, 45 days per trip and 90 days a year. Planned treatment needs approval with seven days' notice and pre- and post-hospitalisation and OPD stay outside it.
Preventive health check-up For adults from 21, cashless, once per person each year with a maximum of two coupons on a floater. Unused ones lapse.

On the ICICI Bank group plan, the bank's page marks OPD cover, maternity and newborn cover, Super No Claim Bonus and Compassionate Visit as the add-ons.

Health Shield 360 Waiting Periods: Pre-Existing Diseases and Specific Illnesses

The headline numbers sit in the comparison table above and the fine print decides what actually gets paid.

On the retail plan, the 30-day initial wait covers any illness except accidents and drops away once you have more than twelve months of continuous cover. A separate 90-day exclusion covers hypertension, diabetes and cardiac conditions unless they are pre-existing and disclosed at underwriting. Then comes the 24-month wait for sixteen listed conditions and procedures, including cataract, hernia, piles, urinary stones, hysterectomy, joint replacement unless accidental, sinus surgery and varicose veins.

The applicable waiting period for pre-existing diseases depends on the plan variant and the terms shown in the policy schedule. A pre-existing disease and its direct complications become eligible for coverage only after the applicable waiting period has been completed, subject to the policy terms and underwriting acceptance. A hypertension-linked admission in month 14 of a 24-month variant would be excluded, for example. Continuous cover with an earlier policy reduces the wait to the extent of prior coverage under portability norms and raising your sum insured restarts waiting only on the increased amount.

A detail that catches people off guard is the look-back. The definition of a pre-existing disease should be taken from the policy wording applicable to the Health Shield 360 UIN shown on your policy schedule. Older versions of the product may contain different wording, so do not rely on an older policy document when determining whether a condition qualifies as a pre-existing disease. Ask which applies to your schedule before you tick "no" to any proposal question.

The group plan flips the trade-off. Declared and accepted conditions carry no separate wait beyond the 30-day cooling period, but every insured member's conditions must be declared and non-declaration leads to rejected claims and cancellation. A declared illness triggers medical underwriting and the proposal is either accepted with a loading or turned down. A hernia repair in month 14 would be rejected on the retail plan yet payable on the group plan, since its specific illness wait is 12 months.

Health Shield 360 Premium: Retail Cost and Top-Up Premium Chart

Premium is where the three versions diverge most and only one of them publishes a full price grid.

ICICI Lombard does not publish a retail Health Shield 360 rate card on its website, but the customer information sheet carries an illustration for the Classic Plus plan, priced before GST. Two adults aged 42 and 45 with Rs. 5 lakh each pay Rs. 11,487 per person, so Rs. 22,974 if insured separately, or Rs. 15,706 on a floater, a 31% saving. Two adults aged 56 and 60 with Rs. 10 lakh pay Rs. 32,969 each, Rs. 65,938 together, or Rs. 53,452 on a floater, which is 18.9% lower.

Those figures come from the earlier version's sheet, so treat them as a guide to how age and family structure move the price rather than a quote. ICICI Lombard says GST on health insurance has been 0% since 22 September 2025, which makes the "excluding GST" label moot today.

Three things shape your final number. A floater is priced on the eldest member's age. Declared health conditions can attract a risk loading of up to 200% of the base premium and that loading carries into renewals. And medicals depend on age: none below 45 for cover up to Rs. 10 lakh and compulsory tests from 45, with at least half the cost reimbursed if the proposal is accepted.

ICICI Bank Top-Up Premium Chart

The ICICI Bank top-up works from a published grid and is priced the same for every family shape, from one adult to two adults with two children.

Sum insured Rs. 2 lakh deductible Rs. 3 lakh deductible Rs. 4 lakh deductible Rs. 5 lakh deductible
Rs. 15 lakhRs. 4,649Rs. 4,099Rs. 3,699Rs. 2,949
Rs. 25 lakhRs. 6,549Rs. 5,999Rs. 5,549Rs. 4,849
Rs. 50 lakhNot offeredRs. 9,199Rs. 8,749Rs. 8,049

Note: Premiums are as published on ICICI Bank's top-up page for a one-year term. The page does not state whether GST is included, so confirm the payable amount at purchase. Cover is open to ICICI Bank customers aged 21 to 60.

Take Rs. 15 lakh of cover with a Rs. 5 lakh deductible and a Rs. 9 lakh hospital bill: the first Rs. 5 lakh falls to your base policy or your pocket and the top-up handles the remaining Rs. 4 lakh. The bank's own example describes paying expenses above the deductible, so read your certificate for whether the deductible applies per claim or across the year, since that separates a plain top-up from a super top-up. SMC's guide to top-up vs super top-up health insurance explains why it matters.

Eligible health insurance premiums can qualify for a tax deduction subject to the applicable income-tax rules and tax regime. ICICI Lombard's tax guidance lists deductions of up to ₹25,000 for self, spouse and children, with an additional ₹25,000 for parents below 60 or ₹50,000 for senior-citizen parents. The maximum deduction can reach ₹1 lakh where the applicable age conditions are met. Check the prevailing tax rules for the relevant assessment year before claiming the deduction.

Not sure whether the retail plan, the bank group cover or a top-up fits your family's age mix? A wrong pick shows up only at claim time, so compare Health Shield 360 with other plans before you pay. Start at SMC Insurance.

ICICI Lombard Health Shield 360 Claim Process: Cashless and Reimbursement

Whichever route you take, the deadlines matter more than the paperwork.

  • Admission: Get admitted at a network hospital and show your health ID card. ICICI Lombard currently states that it has 13,000+ network hospitals as of 15 July 2026. Check the insurer's current hospital network for the hospital and location relevant to your claim.
  • Pre-authorisation: The hospital sends a pre-authorisation request at least 48 hours before a planned admission, or within 24 hours of an emergency admission.
  • Response and approval: ICICI Lombard responds within one hour of a complete request, per the newer prospectus (the older sheet said four hours) and gives final authorisation within three hours of the hospital's discharge request.
  • Payment and tracking: Pay only what falls outside cover, such as non-payable items or amounts above your limit and track the claim on the IL TakeCare app.

If cashless is refused, pay the bill and move to reimbursement, quoting your pre-authorisation number.

  • Intimation: Intimate the claim promptly on 1800 2666, which the website lists as available 24x7, or through the app or website.
  • Payment: Pay the bills and keep every original.
  • Submission: Submit within 30 days of discharge: the claim form signed by you and the treating doctor, original bills and receipts, the discharge summary, chemist bills with prescriptions, investigation reports, indoor case papers, the referral letter for non-accident cases, plus ID proof and bank details. Upload them online or post them to ICICI Lombard Health Care, Varun Towers-II, Begumpet, Hyderabad 500016. Pre- and post-hospitalisation bills can follow within 30 days of the post-hospitalisation period ending.
  • Settlement: Wait for settlement. The prospectus promises processing within 15 days of receiving documents and the policy wording sets an outer limit of 30 days from the last necessary document, or 45 if an investigation is needed, with interest at 2% above the bank rate on delay.
Missing deadlines costs money. The older customer information sheet says late documents can make a claim inadmissible and the bank's top-up terms add penalties: a 10% co-payment if you fail to intimate a reimbursement claim within 24 hours of admission (accidents excepted), another 10% if you file more than 30 days after treatment ends and a 15% co-payment on reimbursement claims from network hospitals.

If a claim is rejected and you disagree, write to customersupport@icicilombard.com or use ICICI Lombard's grievance redressal page. Unresolved cases can go to IRDAI's Bima Bharosa portal or the Insurance Ombudsman.

How to Buy ICICI Lombard Health Shield 360 Online?

Unlike other plans, Health Shield 360 does not have a prominent self-serve purchase page on ICICI Lombard's site right now, so the route you take depends on who you are.

  1. Check whether the version you want is open for new proposals
    Call ICICI Lombard on 1800 2666 (listed as available 24x7), or message the insurer's WhatsApp assistant and ask whether new retail proposals are being accepted under UIN ICIHLIP25037V022425.
  2. If a retail proposal is open, expect the standard ICICI Lombard flow
    • Choose the plan and the members to insure,
    • Enter details to get a quote, pick the sum insured and add-ons.
    • Choose the tenure, review the premium breakdown, complete KYC and pay.
    • The digital policy copy is sent to your email and WhatsApp number.
    • Keep Aadhaar or PAN ready, plus past medical reports if you have a declared condition.
    Retail Health Shield 360 terms run 1, 2 or 3 years, so do not expect the 4 and 5-year options shown for other plans.
  3. If you are an ICICI Bank customer, check which product the bank is actually offering
    The group and top-up versions of Health Shield 360 are described on separate terms pages and the top-up page uses a request-a-callback form. Group enrolment involves medical underwriting when you declare an existing illness, tele-underwriting above age 55 and medical tests above 65 or for the Rs. 75 lakh and Rs. 1 crore sum insured options.
  4. Declare everything
    Every insured member's conditions must be disclosed. This matters most on the group plan, where non-declaration can lead to rejected claims and cancellation.
  5. Use the free look window
    A new individual policy carries a 30-day free look period under the current prospectus. If you cancel inside it, ICICI Lombard refunds the premium minus the proportionate risk premium, any medical examination cost and stamp duty. Renewals do not get a fresh free look.

How to Buy Health Insurance on SMC Insurance (Step-by-Step)

  1. Go to the SMC Insurance website.
  2. On the homepage, click “Health Insurance” as the insurance category.
  3. Once you select a category, you’ll be taken to that policy page.
  4. You can now choose who you want to cover in the next page. You might need to select who you want to cover (self, spouse, children, parents), enter respective ages, pincode or contact details. Click on “View Quotes”
  5. On submission, SMC will display a list of available plans including ICICI Lombard Health Shield, or quotes from partner insurers. You can view plan details like coverage, benefits, inclusions/exclusions, add-ons (if available), etc.
  6. Compare the available options.
  7. Once you select the plan you want, click the button labeled “Buy Now”
  8. Fill out your personal details as required (owner name, address, contact, driving licence/RTO info or health info depending on policy). Ensure all details are accurate.
  9. Make the payment via the online gateway supported by the website. After payment confirmation you will receive your policy document or certificate electronically (through email or website account).
  10. Once everything is processed, your insurance becomes active. Keep a digital or printed copy of your policy/certificate for future reference.

Throughout the buying process, you have the option to contact the SMC Team for any kind of support you need.

Why Choose SMC Insurance?

Version clarity: The biggest risk with this plan is reading the wrong version's rules. An advisor matches your UIN to the right wording before you rely on any benefit.

Waiting-period mapping: Whether a parent's diabetes admission is payable in month 14 depends on the variant. An advisor can lay out the exact wait for your situation rather than leave you to decode the table.

Side-by-side comparison: Seeing Health Shield 360 next to plans with a shorter pre-existing disease wait helps you avoid paying for cover that will not respond when you need it.

Claims backup: If a cashless request is refused or documents are queried, having someone act as go-between lowers the stress.

How Good Is ICICI Lombard's Customer Service?

ICICI Lombard offers several ways to reach it. These include a toll-free line, 1800 2666, listed as available 24x7, an email address (customersupport@icicilombard.com), a WhatsApp service assistant, a website live chat and the IL TakeCare app. The app is where you can track a claim, upload documents when a query is raised, download your e-card and book a teleconsultation. There is also a dedicated email for senior citizens and the policy's grievance clause mentions an IVR facility for senior customers.

If something goes wrong, the escalation ladder is: ICICI Lombard's grievance redressal page, then IRDAI's Bima Bharosa portal or its call centre on 155255 or 1800 4254 732, then the Insurance Ombudsman.

ICICI Lombard Health Shield 360: SMC's Review

What stands out What to consider
Retail sum insured up to Rs. 3 crore, no upper entry age, lifelong renewal Pre-existing disease wait is 12 or 24 months on retail
Reset Benefit can refill for an unrelated second illness in the same year Once for the same illness; not for a relapse within 45 days; unused reset does not carry forward
Loyalty Bonus is not reduced after a claim Super Loyalty Bonus accrual is forfeited if you drop the add-on at renewal
Broad optional menu: OPD, maternity, worldwide, cash benefits Each is priced separately; maternity waits are 24 or 36 months; worldwide cover carries a 10% co-pay
Group and top-up versions shorten the wait for declared conditions Cover is tied to your ICICI Bank relationship
SMC's take: Health Shield 360 can still be a sensible plan if the version you hold matches your health profile, but the version confusion is the real hazard. Confirm the UIN, map the waiting periods to your family's conditions and compare it with currently promoted plans before you commit.

Wrapping Up,

ICICI Lombard Health Shield 360 is really three products under one name and the right one depends on how you reach it. The retail plan brings wider eligibility, a Rs. 3 crore ceiling, lifelong renewal and a moratorium after 60 months, but its 12 or 24-month wait makes it a weaker fit for anyone already managing diabetes or blood pressure. The bank group plan moves declared conditions to a 30-day wait, yet it is open only to ICICI Bank customers and the top-up's terms say the policy ceases when your relationship with the organisation ends. ICICI Lombard's own site is currently pushing other plans such as Elevate and Health AdvantEdge, so compare before you commit. The path forward is short. Match the UIN on your schedule to the right document, declare every existing condition and work out which waiting period applies to your family before paying. If you want a second pair of eyes on the fine print, an SMC advisor can walk you through it.

Disclaimer: The information provided on this platform is intended for general awareness and educational purposes. While every effort is made to ensure accuracy, some details may change with policy updates, regulatory revisions, or insurer-specific modifications. Readers should verify current terms and conditions directly with relevant insurers or through professional consultation before making any decision.

All views and analyses presented are based on publicly available data, internal research and other sources considered reliable at the time of writing. These do not constitute professional advice, recommendations, or guarantees of any product’s performance. Readers are encouraged to assess the information independently and seek qualified guidance suited to their individual requirements. Customers are advised to review official sales brochures, policy documents and disclosures before proceeding with any purchase or commitment.

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ICICI Lombard Health Shield 360 FAQs

The retail policy is open to residents of India aged 6 and above with no upper entry age and children from 3 months to 5 years can join only on a floater with at least one adult. One policy can hold up to five members. The group version is exclusive to ICICI Bank customers, with adults entering between 21 and 75 and the top-up between 21 and 60. Retail limits can be relaxed for specific channels, so confirm against your schedule.

On the retail plan it is 12 or 24 months of continuous cover depending on the variant and it applies to declared, accepted conditions and their direct complications. On the ICICI Bank group plan, declared and accepted conditions carry no separate wait beyond the 30-day initial period, while the top-up lists 30 days. Undeclared conditions can lead to rejected claims and cancellation, so disclose everything at the proposal stage.

Both are optional. Maternity is sold on floater policies only, needs both spouses on the same policy, pays for up to two deliveries or terminations and carries a 24 or 36 month wait on the retail plan, or one year on the bank group plan. OPD comes through the BeFit add-on, cashless via the app, for insured persons up to 65 with a 30-day wait. Neither is included unless you pay the extra premium.

When your annual sum insured, including any bonuses, is used up, the plan refills up to 100% of the annual sum insured. It refills once for the same illness and unlimited times for different illnesses, but not on the first claim of the year and not for a relapse within 45 days. Unused reset amounts do not carry forward and the benefit is unavailable under worldwide cover.

Eligible health insurance premiums can qualify for a tax deduction subject to the applicable income-tax rules and tax regime. ICICI Lombard's tax guidance lists deductions of up to ₹25,000 for self, spouse and children, with an additional ₹25,000 for parents below 60 or ₹50,000 for senior-citizen parents. The maximum deduction can reach ₹1 lakh where the applicable age conditions are met. Check the prevailing tax rules for the relevant assessment year before claiming the deduction.

For cashless claims, the newer prospectus promises a response within one hour of a complete pre-authorisation request and final authorisation within three hours of the discharge request. For reimbursement, it says claims are processed within 15 days of receiving documents. The policy wording caps settlement at 30 days from the last necessary document, or 45 if investigated, with interest at 2% above the bank rate for delays.

Portability to another insurer keeps your waiting-period credit if you apply at least 45 days, but not earlier than 60 days, before renewal. ICICI Lombard gives the same 45 to 60 day window for porting into its plans. New individual policies carry a 30-day free look period in the newer prospectus, though the older sheet says 15 days. After free look, refunds apply only if no claim has been lodged.

ICICI Lombard Health Shield 360Get a quote