ICICI Lombard Special Shield Plan

The ICICI Lombard Special Shield plan is an indemnity health insurance policy designed to provide coverage for people with disabilities and HIV/AIDS. This ICICI Lombard health insurance plan offers unlimited teleconsultations with highly-skilled medical practitioners. Moreover, it covers a wide range of medical expenses, including dental treatment, ambulance charges, cataract treatment, and more.

ICICI Lombard Special Shield Plan: Key Highlights

Categories	Specifications
Sum Insured	₹4 lakh and ₹5 lakh
Policy Tenure	1 year
Pre-acceptance medical screening	Not required below the age of 45 years
Pre-existing Diseases Waiting Period	2 years, 3 years
Co-payment	20%

Benefits of ICICI Lombard Special Shield Plan

Check out the key benefits of the ICICI Lombard Special Shield plan:

Coverage for Disabled Individuals

This health insurance policy covers people with disabilities as defined under the Rights of Persons with Disabilities Act, 2016, and the Mental Healthcare Act, 2017.
Covers People with HIV/AIDS

The policy provides coverage for people diagnosed with HIV/AIDS, provided their CD4 count has remained above 500 for the past 3 years before purchasing the policy.
Unlimited Teleconsultations

Policyholders can access unlimited teleconsultations with qualified doctors or healthcare professionals for routine healthcare concerns.
Tax Benefits

Premiums paid for this ICICI Lombard health insurance policy are eligible for tax deduction under Section 80D of the Income Tax Act, 1961.

ICICI Lombard Special Shield Plan Eligibility Criteria

Take a look at the eligibility criteria of the ICICI Lombard Special Shield plan:

Parameters	Eligibility Criteria
Minimum Entry Age	Adult – 18 years Child – 3 months
Maximum Entry Age	Adult – 65 years Child – 17 years
Disabilities Covered	1. Blindness 2. Muscular Dystrophy 3. Low vision 4. Hearing impairment 5. Speech and language disability 6. Mental illness 7. Chronic neurological conditions 8. Leprosy cured persons 9. Specific learning disabilities 10. Multiple sclerosis 11. Locomotor disability 12. Dwarfism 13. Thalassemia 14. Intellectual disability 15. Haemophilia 16. Sickle cell disease 17. Autism spectrum disorder 18. Cerebral palsy 19. Acid attack victims 20. Parkinson's disease
Coverage Type	Individual basis
Renewability	Lifetime

Inclusions of ICICI Lombard Special Shield Plan

Have a look at the inclusions of the ICICI Lombard Special Shield plan:

In-patient Care – It covers medical expenses incurred during hospitalisation for a minimum period of 24 hours, including room rent up to 1% of the SI (Sum Insured) per day. It also pays for Intensive Care Unit (ICU) or Intensive Cardiac Care Unit (ICCU) charges up to 2% of the SI per day.
Day Care Treatments/Procedures– It provides coverage for all day care treatment expenses that do not require a minimum of 24-hour stay at the hospital.
Pre-Hospitalisation Expenses – It reimburses medical expenses up to 30 days before getting admitted to the hospital.
Post-Hospitalisation Expenses – It pays for the medical expenses incurred up to 60 days after getting discharged from the hospital.
Teleconsultation – It covers the cost of unlimited teleconsultations provided by a qualified medical practitioner through audio, video, chat, etc.
Dental Treatment – It covers the in-patient care cost incurred on obtaining dental treatment due to injury or disease.
Cataract Treatment– It covers cataract treatment expenses up to the limit of ₹40,000 per eye per policy year.
Emergency Ground Ambulance – It reimburses the cost of road ambulance service up to ₹2,000 per hospitalisation.
Technological Advancements and Treatments – It covers technologically advanced or modern treatment expenses, such as robotic surgeries, deep brain stimulation, etc., for up to 50% of the sum insured limit.
AYUSH Treatment – It provides coverage for in-patient care treatment obtained under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicine.

Exclusions of ICICI Lombard Special Shield Plan

The ICICI Lombard Special Shield plan excludes the following expenses:

Diagnostic and evaluation tests
Maternity expenses
Infertility and Sterility
Obesity or weight control treatments
Unproven treatments
Treatments for drug, alcoholism or substance abuse
Rehabilitation, rest sure and respite care
Treatments received in nature cure clinics, health spas, etc.
Change of gender treatments

ICICI Lombard Special Shield Plan Waiting Periods

Listed below are the waiting periods under the ICICI Lombard Special Shield plan:

Category	Waiting Period
Pre-existing Disease (other than disability and HIV/AIDS) Waiting Period	3 years
Pre-existing Disability Waiting Period	2 years
Specified Disease/Procedure Waiting Period	2 years
Initial Waiting Period	30 days
HIV/AIDS Waiting Period	30 days

ICICI Lombard Special Shield Plan - FAQs

Q1. How many day care procedures are covered under the ICICI Lombard Special Shield plan?

Ans: The ICICI Lombard Special Shield plan covers all day care procedures or treatments.
Q2. Can I cover my entire family under the ICICI Lombard Special Shield plan?

Ans: You cannot cover your entire family under the ICICI Lombard Special Shield policy as it does not offer coverage on floater basis. However, you can buy individual policies for each member of your family.
Q3. What disabilities are covered under the ICICI Lombard Special Shield plan?

Ans: The ICICI Lombard Special Shield plan covers multiple disabilities, including blindness, low vision, dwarfism, speech and language disability, chronic neurological conditions, etc.
Q4. What is the price of the ICICI Lombard Special Shield plan?

Ans: You can check the price of the ICICI Lombard Special Shield plan in its premium chart. In fact, you can use the ICICI Lombard health insurance premium calculator on Policybazaar.com to find out the cost of purchasing this plan.

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