An all-round protection for
you and your family
POLICY CONDITIONS
Age Band 21-75 years for adults & 91 days to 20 years for children
Family Definition Self, Spouse and up to 3 dependant children upto 20 yrs. of Age
Plan type Maximum 2 Adult and up to 2 dependant kids can be covered under the
floater policy
Sum Insured options 5L/10L
Donor Expenses We will cover you up to the annual sum insured for the Medical Expenses
incurred in respect of the donor for any of the organ transplant surgery,
provided the organ donated is for your use and the organ donor is an eligible
donor in accordance with “The transplantation of Human Organ Act”.
Domiciliary We will cover the Medical Expenses incurred in respect of Your Domiciliary
Hospitalization Hospitalization during the Policy Period provided minimum hospitlisation of 3
days.
In-patient Covered up to SI
Hospitalisation
Room Rent No Capping, covered up to SI
Day Care Day Care Procedures are Covered as per the standard definition set by
Treatment/Surgeries regulator.
Pre - Post Pre Hospitalisation and Post Hospitalisation for 60 days & 90 days
Hospitalisation respectively are covered.
In Patient AYUSH We will cover expenses for AYUSH treatment only when the treatment has
Hospitalisation been undergone in an AYUSH Hospital or AYUSH day care centre. This cover
will be applicable only within the geographical boundaries of India.
Unlimited Reset Reset will be available unlimited times in a policy year in case the annual Sum
Benefit* insured including accrued Additional Sum Insured (if any) and Super No Claim
Bonus (if any), Sum insured protector(if any) is insufficient as a result of
previous claims in that policy year.
Domestic Road Covers road ambulance expenses, incurred to transfer the Insured following an
Emergency emergency to the nearest hospital per event of emergency hospitalisation,
Ambulance Cover provided we have accepted the in-patient claim, up to a maximum limit of ₹ 3,000
Maternity Cover Medical Expenses incurred for delivery of child, where You and Your spouse, both
are covered under the same family floater Policy and have served the waiting
period of 3 years up to the limit as specified below.
SI 5L= Maternity limit ₹25,000 for both normal and C section, maximum upto 2 events
SI 10L= Maternity limit ₹50,000 for both normal and C section, maximum upto 2 events
New born baby Medical Expenses incurred towards the treatment of a New Born Baby, up to
cover 90 days from date of birth, if a Maternity Benefit claim has been accepted up
to the limit as specified below. Maximum limit ₹10,000
Health Check-up Expense incurred towards the cost of Health check-Up will be covered as per
applicable package.
Pre-Existing Pre-Existing Diseases that have been declared at the time of proposal and
Diseases accepted by Us will be covered after 1 year waiting period
Additional Sum At the time of renewal of this Policy, We will provide an additional sum insured
Insured (Cumulative (hereinafter referred to as “Additional Sum Insured”) of 10% of annual sum
Bonus) insured of immediately preceding policy year subject to a maximum of 100%
provided that there is no Claim under this Policy during the Policy Year except
as an Out-patient (If opted).
Pre policy Medicals Tele UW above age 55 years and also incase of declared PED. Compulsary
Medicals for age above 65 years.
Initial waiting Period 30 days for all diseases except hospitalization due to accident
90 days waiting Expenses related to the treatment of the below mentioned illness within 90
period days from the first policy commencement date shall be excluded unless they
are pre-existing and disclosed at the time of underwriting:
i. Hypertension
ii. Diabetes
iii. Cardiac Conditions
2 Year waiting Cataract
period Benign Prostatic Hypertrophy
Myomectomy, Hysterectomy unless because of malignancy
All types of Hernia, Hydrocele
Fissures &/or Fistula in anus, hemorrhoids/piles
Arthritis, gout, rheumatism and spinal disorders
Joint replacements unless due to accident
Sinusitis and related disorders
Stones in the urinary and billiary systems
Dilatation and curettage, Endometriosis
All types of Skin and internal tumors/ cysts/ nodules/ polyps of any kind
including breast lumps unless malignant
Dialysis required for chronic renal failure
Surgery on tonsils, adenoids and sinuses
Gastric and Duodenal erosions & ulcers
Deviated Nasal Septum
Varicose Veins/ Varicose Ulcers
Exclusion** Investigation & Evaluation
Rest Cure, rehabilitation and respite care
Obesity/ Weight Control
Change of Gender treatments
Cosmetic or plastic Surgery
Hazardous or Adventure sports
Breach of law
Excluded Providers
Treatment for, Alcoholism, drug or substance abuse or any addictive condition and
consequences thereof.
Sterility and Infertility: Expenses related to, sterility and infertility. This includes:
a) Any type of contraception, sterilization
b) Assisted Reproduction services including artificial insemination and
advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI
c) Gestational Surrogacy
d) Reversal of sterilization
**This is an indicative list of exclusions, for detailed list kindly refer the policy wording on ICICI Lombard’s
website (www.icicilombard.com).
Premium Table (Including GST @18%)
Basic
Sum Insured = 5 Lakhs Sum Insured = 10 Lakhs
Age / SI Individual 1A+1K 1A+2K 2A 2A+ 2A+2K Age / SI Individual 1A+1K 1A+2K 2A 2A+ 2A+2K
0-35 6,260 7,693 9,183 9,444 11,620 15,247 0-35 7,466 8,841 10,553 10,838 13,344 17,560
36-45 7,914 9,576 10,701 12,548 14,252 16,107 36-45 9,550 11,079 12,375 14,501 16,471 18,614
46-55 13,576 15,797 16,572 23,339 24,530 25,280 46-55 16,649 18,419 19,308 27,196 28,575 29,437
56-75 35,862 38,036 40,587 66,446 68,752 70,971 56-75 44,079 44,713 47,336 77,468 80,135 82,702
Premium Table (Including GST @18%)
Recommended
Sum Insured = 5 Lakhs Sum Insured = 10 Lakhs
Age / SI Individual 1A+1K 1A+2K 2A 2A+ 2A+2K Age / SI Individual 1A+1K 1A+2K 2A 2A+ 2A+2K
0-35 6,260 7,693 9,183 10,435 12,612 16,239 0-35 7,466 8,841 10,553 12,682 15,188 19,404
36-45 7,914 9,576 10,701 13,394 15,098 16,953 36-45 9,550 11,079 12,375 16,074 18,044 20,188
46-55 13,576 15,797 16,572 23,561 24,751 25,502 46-55 16,649 18,419 19,308 27,608 28,987 29,849
56-75 35,862 38,036 40,587 66,446 68,752 70,971 56-75 44,079 44,713 47,336 77,468 80,135 82,702
*Reset will not trigger for the first claim. Reset will not trigger for same person with same illness for which a claim has been paid in that
policy year.
Only for the customers of IDFC First Bank who wish to enrol in Health Shield 360 underwritten by ICICI Lombard GIC Ltd. For the detailed
terms and conditions please contact Master Policyholder(s). IDFC First Bank Registered Office Address -IDFC First Bank Ltd, KRM Tower,
7th Floor, No.1, Harrington Road, Chetpet, Chennai – 600031, Tamil Nadu. IDFC First Bank is a corporate agent (CA0106) of ICICI
Lombard General Insurance Ltd. IDFC Bank customer participation in the policy is entirely voluntary. The advertisement contains only
an indication of cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure / policy
wordings carefully before concluding a sale. ICICI trade logo displayed above belongs to ICICI Bank and is used by ICICI Lombard GIC
Ltd. under license and Lombard logo belongs to ICICI Lombard GIC Ltd. ICICI Lombard House, 414, P. Balu Marg, Off Veer Savarkar Road,
Near Siddhi Vinayak Temple, Prabhadevi, Mumbai 400025 Toll Free: 1800 2666 Fax No: 022 61961323 IRDA Reg. No. 115 CIN:
L67200MH2000PLC129408 Customer Support Email Id: customersupport@icicilombard.com Website Address: www.icicilombard.com.
Product Name: Health Shield 360 UIN: ICIHLGP22083V022122 ADV/19732. 0231034LF-SK
