ICICI Lombard Family Shield Plan: Comprehensive Insurance at Your Fingertips!

ICICI Lombard Family Shield Plan

ICICI Lombard Family Shield is an innovative health insurance policy designed to offer hospitalisation benefits for specific infectious diseases, including vector-borne diseases, rabies, tetanus, gastrointestinal infections, viral infections, and nervous system infections. The plan also offers daily hospital cash benefit and coverage for accidental injuries.

Additionally, this ICICI Lombard health insurance plan provides optional benefits, such as broken bones benefit, major surgery benefit, lifestyle support benefit, Intensive Care Unit (ICU) cash benefit, comatose benefit, ambulance charges benefit, compassionate visit benefit, etc.

ICICI Lombard Family Shield Plan: Key Highlights

Categories	Specifications
Sum Insured	₹5,000 to ₹50,00,000
Policy Tenure	1, 2, 3 years
Pre-policy Medical Check-ups	Not required Required above 55 years for Section B only (i.e. Hospital Daily Cash Benefit)
Pre-existing Diseases Waiting Period	2 years
Discount	Up to 7.5% family discount 5% policy renewal discount Long-term policy discount

Benefits of ICICI Lombard Family Shield Plan

Some of the key benefits of the ICICI Lombard Family Shield plan are as follows:

Infectious Diseases Coverage

The ICICI Lombard Family Shield plan offers financial protection against a range of infectious diseases, including rabies, tetanus, vector-borne illnesses like dengue & malaria, viral infections like swine influenza, and gastrointestinal issues.
Flexible Claim Payment Option

This mediclaim insurance plan offers flexibility in claim payments by allowing policyholders to choose whether to receive periodic or lump sum claim payments.
Tax Benefit

Policyholders can claim deductions for the premiums paid towards this ICICI Lombard health insurance policy under Section 80D of the Income Tax Act, 1961.

ICICI Lombard Family Shield Plan Eligibility Criteria

Check out the eligibility criteria to buy an ICICI Lombard Family Shield plan:

Parameters	Eligibility Criteria
Minimum Entry Age	Adult: 18 years Child: 3 months
Maximum Entry Age	Adult: 65 years Child: 25 years
Coverage Type	Family Floater
Renewability	Lifetime (except for personal accident cover)

Inclusions of ICICI Lombard Family Shield Plan

The inclusions of the ICICI Lombard Family Shield plan are tabulated below:

Base Inclusions
Specific Infectious Diseases Benefit	Hospital Daily Cash Benefit	Personal Accident Benefit
Specific Vector Borne Disease Benefit Rabies and Tetanus Benefit Specific Viral Infections Benefit Specific Gastrointestinal Infections Benefit Specific Nervous System Infections Benefit	Hospital Daily Cash Benefit	Death Benefit Permanent Total Disablement Benefit Permanent Partial Disablement Benefit Temporary Total Disablement Benefit Accidental Hospitalisation Expenses Reimbursement Benefit Accidental Hospitalisation Daily Cash Benefit Orphan Benefit Parental Care Benefit Children's Education Grant Benefit Adventure Sports Benefit Mysterious Disappearance Benefit Loan Protection Benefit Common Carrier Accident Benefit Assault Benefit Catastrophic Evacuation Benefit Reconstructive Surgery Benefit Loss of Job Benefit Diagnostic Test Benefit Recovery Benefit Physical Rehabilitation Benefit

Optional Covers:

Optional Benefits
Hospital Daily Cash Benefit	Personal Accident Benefit
Intensive Care Unit Cash Benefit	Last Rites Benefit Lifestyle Support Benefit Major Surgery Benefit Home Tuition Benefit Outstanding Bills Payment Benefit On Duty Enhanced Benefit Chauffeur Cash Benefit Skill Development Benefit Burns Benefit Broken Bones Benefit Repatriation in case of Permanent Disability Benefit Air Ambulance Benefit Counselling Benefit Comatose Benefit Accidental Pre & Post Hospitalisation Expenses Benefit Ambulance Charges Benefit Compassionate Visit Benefit

Exclusions of ICICI Lombard Family Shield Plan

Here is the list of exclusions under the ICICI Lombard Family Shield plan:

All non-accidental dental surgeries
Maternity or pregnancy termination expenses
Cosmetic or plastic surgery
Surgical treatment for obesity
Treatments due to participation in hazardous or adventure sports
Gender change treatments
Unproven treatments
Hormone replacement therapy
Intentional self-injury

ICICI Lombard Family Shield Plan Waiting Periods

Take a look at the waiting periods applicable under the ICICI Lombard Family Shield plan:

Category	Waiting Period
Infectious Disease Waiting Period	30 days
Hospital Daily Cash Benefit Waiting Period	30 days
Pre-existing Disease Waiting Period	24 months
Specified Disease/Procedure Waiting Period	24 months

FAQs

Q1. Which vector-borne diseases are covered under the ICICI Lombard Family Shield plan?

Ans: The ICICI Lombard Family Shield plan covers dengue, kala azar, malaria, chikungunya, zika fever, Japanese encephalitis, and filariasis under the specific vector borne disease benefit.
Q2. How long should I be hospitalised to claim vector-borne disease under the ICICI Lombard Family Shield plan?

Ans: You must be hospitalised for at least 2 consecutive days to file a claim for vector-borne diseases under the ICICI Lombard Family Shield plan.
Q3. Can I make multiple claims for rabies or tetanus under the ICICI Lombard Family Shield plan?

Ans: No, you cannot make multiple claims for rabies or tetanus under the ICICI Lombard Family Shield plan. Once a claim is accepted, the coverage for rabies and tetanus stops immediately.
Q4. Where can I check the ICICI Lombard Family Shield policy details?

Ans: You can check the details of your ICICI Lombard Family Shield policy by going through the policy documents or by getting in touch with the customer executive of the insurance company.
Q5. Where can I check the ICICI Lombard Family Shield price?

Ans: You can check the ICICI Lombard Family Shield policy premium chart to know the price of the policy. You can use a health insurance premium calculator on Policybazaar.com to know the ICICI Lombard Family Shield plan cost.

Policybazaar exclusive benefits

30 minutes claim support*(In 120+ cities)
Relationship manager For every customer
24*7 claims assistance In 30 mins. guaranteed*
Instant policy issuance No medical tests*

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