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ICICI Family Shield Policy

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What is the Family Shield Policy?

ICICI Lombard’s Family Shield policy is a comprehensive product that provides coverage for major life emergencies. It recognizes the potential financial impact of accidents, which can not only affect individuals emotionally but also financially. In the event of an unfortunate death or disability due to an accident, this insurance product helps individuals meet their financial obligations, such as loan repayment and daily expenses.
 

Family Shield Policy Specifications

Specification

Details

Policy Name

ICICI Lombard Family Shield Policy

UIN

ICIHLIP22092V032122

CIN

L67200MH2000PLC129408

Coverage Type

Health insurance that covers a wide range of medical emergencies

Eligibility

Families and individuals with specific age limits applying

Sum Insured

Range from 3 lakh rupees to 50 lakh rupees or more, depending on the plan

Policy Duration

Annual renewal available

Key Benefits

  • Hospitalization expenses
  • Pre and post-hospitalization expenses
  • Daycare procedures
  • Ambulance charges
  • Organ donor expenses

Additional Features

  • Health check-up cover
  • Cumulative bonus for claim-free years
  • Worldwide cashless facility at network hospitals

Exclusions

  • Pre-existing diseases during the waiting period
  • Intentional self-injury
  • Cosmetic treatments
NominationChanges must be communicated in writing at policy inception
Claim ProcessCashless claims available for network hospitals and reimbursement for non-network hospitals
Customer SupportContact for help and complaints provided

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Coverage Benefits of the ICICI Family Shield Policy

ICICI’s Family Shield Policy offers extensive health coverage for individuals and their families, specifically tailored to address a wide range of medical needs and emergencies. This policy aims to provide both comprehensive health coverage and financial protections, ensuring that policyholders can access the necessary medical care without worrying bout the associated expenses.

Coverage BenefitDescription

Inpatient Treatment

Pays hospitalization costs, including room, nursing and doctor fees up to a specified sum insured

Daycare Procedures

Covers outpatient medical procedures like surgeries and treatments done in a day

Pre and Post-Hospitalization Expenses

Covers medical expenses 30 days before and 60 days after hospitalization, up to the sum insured amount

Ambulance Charges

Covers ambulance fees for emergencies, up to the limit mentioned in the policy

Diagnostic Test Benefit

Reimburses expenses for diagnostic tests prescribed by a registered medical practitioner due to an accident

Lifestyle Support Benefit

Lump sum payment for modifying home, office, vehicle or buying artificial limbs after claim approval due to an accident

Multiple Claims

Multiple claims are allowed but the liability is limited to the specified sum insured

Nomination

Policyholders must nominate the claim beneficiary for payment upon death and inform the insurer of any changes

Cashless Hospitalization

The cashless facility at network hospitals allows insured individuals to receive treatment without upfront payment, subject to the policy terms

No Claim Bonus

An increase in the sum insured for every claim-free year enhances coverage without extra premium costs

Family Shield Insurance Inclusions

  • Coverage for the main house structure
  • Detached garages, sheds and fences
  • Items inside the house
  • Unable to live in home due to covered loss results in loss of use
  • Coverage for injuries or property damage caused by you or your family members
  • Coverage for guests’ injuries in your home
  • Coverage for legal defence and liability in case of a lawsuit over a covered incident
  • Insurance for earthquake damage
  • Coverage for water damage caused by floods
  • Coverage for identity theft expenses
  • Coverage for expensive personal belongings, such as jewellery, art and collectables, is provided under the coverage of the valuable items
  • Insurance for personal injury includes libel, slander and false arrest
  • Liability for small boats and personal watercraft
  • Liability for pet-caused injuries
     

Family Shield Insurance Waiting Periods

  • Maternity expenses are not covered unless due to accidents
  • Cosmetic and plastic surgery expenses are only covered for reconstruction after accidents, burns, cancer or if it is certified necessary by a medical practitioner
  • Dental and eye treatments are only covered if medically necessary due to an injury during the coverage period
  • Medical expenses from hazardous or adventure sports are not covered
  • No coverage for treatment of self-inflicted injuries or substance abuse
  • Expenses in non-hospital facilities or unrelated to injury not covered
  • Expenses for unproven treatments are not covered
     

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ICICI Family Shield Health Insurance Claim Process

The ICICI Lombard Family Shield health insurance plan offers comprehensive coverage with an infinite claim amount and sum insured restoration benefit. Here's a step-by-step guide on how to file a claim under this policy.

Cashless Claim Process

Reimbursement Claim Process

  1. During hospitalization, show your ICICI Lombard e-health card and a government-issued ID card at any of the 6500+ network hospitals 
  2. TPA will help with the claim form and the ICICI Lombard team will handle the rest
  3. Your cashless claim will be assessed and you will receive an update about your treatment within 1 hour of the claim’s receipt
  4. At discharge, pay what is not covered by the policy and the rest will be settled by ICICI Lombard
  1. Pay the full bill amount at the non-network hospital and collect all the documents
  2. Submit your reimbursement claim through the IL TakeCre app, WhatsApp or by sending hospitalization documents with the filled claim form to the specified address
  3. ICICI will ensure your claim is processed and completed within 8 days of your registration
  4. Track your claim status through the IL TkeCre app, WhatsApp or the ICICI Lombard website

Other Insurance Plans

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ICICI Family Shield Insurance Contact Details

  • IL TakeCare App - Use the IL TakeCare app to manage insurance and wellness needs, while maintaining control over the policies.
  • Download the IL TakeCare App Ask RIA - Download the IL TakeCare APP and use RIA (Responsive & Intelligent Assistant) for seamless solutions.
  • Connect with RIA ICICI Lombard on WhatsApp - Chat with RIA ICICI Lombard on WhatsApp at 7738282666 for services and conversations.

Best Health Insurance Plans In India

When it comes to the best health insurance, there is no “one-size-fits-all” policy. It is like choosing a Netflix or OTT plan - different plans offer different benefits and have different costs. However, this age is designed to meet the diverse needs of most users, making it a versatile and comprehensive health insurance comparison page.

It is essential to conduct a thorough comparison to find the policy that best suits your needs. We have created a comprehensive table of how some of the top mediclaim policies in India compare to others in the industry.

Insurance Provider Plan Name Coverage Type Sum Insured Range Age Limit (Adults) Important Parameters
Care Advantage Health Insurance Plan Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
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ICICI Elevate Health Insurance Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
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IFFCO Tokio Family Health Protector Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
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Niva Bupa Aspire Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
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Arogya Supreme Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
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TATA AIG Medicare Lite Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
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Frequently Asked Questions (FAQs)

A.

The ICICI Family Shield policy provides extensive coverage for both health and life insurance, safeguarding families from unexpected medical costs and the loss of a primary earner. With features like cashless hospitalization and additional benefits, it offers a robust safety net for added peace of mind.

A.

ICICI Lombard has reported an impressive claim settlement ratio of 97.07% (FY 2021-22), reflecting their efficient processing of claims and ensuring high customer satisfaction.

A.

The ICICI Family Shield policy is not free and requires premium payments. The amount of premium payments varies depending on the coverage and the size of the family. This ensures that the policy provides customized protection for the policyholders.

A.

ICICI’s Family Shield provides a comprehensive solution by combining both health and life insurance, ensuring that families can access funds for medical expenses and receive financial assistance if the policyholder passes away, offering them security for the future.

A.

The ICICI Family Shield is a comprehensive plan that protects your family in case of health emergencies and financial instability resulting from the loss of a loved one. It ensures that hospitalization costs are covered and offers life insurance benefits to provide a safety net.

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