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ICICI Golden Shield Policy

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What is the ICICI Golden Shield Health Insurance Policy?

As people age, they are more likely to develop various costly medical conditions. With the body becoming more susceptible to illnesses and infections after the age of 56 to 60, it becomes crucial for senior citizens to have a health insurance policy. This will help them manage and afford the necessary treatments and care for their ailments.

ICICI’s Golden Shield is a unique health insurance policy tailored for individuals aged 56 and over. Similar to a standard Mediclaim policy, it provides coverage for unexpected medical expenses related to hospitalization, health check-ups, day-care procedures and ambulance services.

The Golden Shield policy offers affordable premium rates while providing comprehensive coverage. It includes a high sum insured, annual health check-ups and cashless treatment options. With a wide network of hospitals, this plan is reliable and ensures easy access to medical facilities.
 

ICICI Golden Shield Policy Specifications

Specification

Details

Network Hospitals

7500+

Incurred Claim Ratio

77.33%

Sum Insured

Up to ₹1 Crore

Number of Plans

8

Solvency Ratio

2.5

Pan India Presence

300+

Eligibility Age

Minimum: 56 Years, Maximum: No Limit

Coverage for the Sum Insured

₹5 Lakhs - ₹50 Lakhs

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered for up to 60 Days

Post-Hospitalization

Covered for up to 180 Days

Domiciliary Hospitalization

Covered

Daycare Treatment

Covered

OPD Charges

Covered

COVID-19 Treatment

Covered

Cataract Treatment

Covered

No Claim Bonus

10% up to a maximum of 100% of Sum Insured

Automatic Restoration

100% of the Sum Insured

Daily Hospital Cash

Not Covered

Organ Donor Expenses

Covered up to ₹10 Lakhs

Maternity Cover

Not Covered

Newborn Baby Cover

Not Covered

AYUSH Treatment

Covered up to Sum Insured

IVF Treatment

Not Covered

Modern Treatment

Covered up to Sum Insured

Ambulance Charges

Covered up to 1% of Sum Insured

Air Ambulance

Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

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Coverage Benefits of the Golden Shield Policy

Get comprehensive medical coverage specifically designed for senior citizens, including hospitalization, treatment of illnesses, surgeries and more. 

FeatureDetails

Affordable Premiums

Affordable medical coverage for ageing retirees to address increasing health risks

High Sum Insured

A sum insured option of up to 50 lakh rupees is available which resents if exhausted *(subject to the policy terms and conditions)

Pre & Post-Hospitalisation Coverage

Covers pre/post-hospitalization medical expenses

Pre-Existing Diseases Coverage

Coverage for pre-existing illnesses after 24 months which is good for senior citizens

Cashless Treatment Facility

Use cashless treatment at network hospitals nationwide as per the agreement

Tax Benefits

Tax benefits available of up to 50,000 rupees under Section 80D of the Income Tax Act of 1961 for policyholders over 60

Golden Shield Health Insurance Inclusions

  • Hospitalisation - Room rent, doctor's fees, ICU charges, nurse's charges, medicines and drug costs
  • Day care treatments - Expenses for surgeries/procedures requiring <24 hrs hospitalisation (e.g. radiotherapy, chemotherapy, dialysis)
  • Modern treatments - Immunotherapy, stem cell therapy, robotic surgeries, balloon sinuplasty
  • Pre & post hospitalisation
    • Pre-hospitalisation expenses up to 30 days
    • Post-hospitalisation expenses up to 7% of hospitalisation
  • Donor expenses - In-patient hospitalisation for organ donor
  • Domiciliary hospitalisation & home care treatment - Treatment at home prescribed by a doctor
  • AYUSH treatment - Ayurvedic, Yoga, Naturopathy, Unani, Siddha, Homeopathy treatment
  • Ambulance coverage - Road & air ambulance charges
  • Reset Benefits - 100% unlimited reset of Annual Sum Insured per year
  • Cumulative Bonus - 10% cumulative bonus for each claim-free year
  • Optional covers

A. Claim protector
B. Co-payment modification
C. Voluntary deductible
D. Care management program

a. Tele consultation, e-opinion, diet, counselling, care calls, incentives, yoga, medical vault, assistance

E. Care management plus program

a. Health professional, family updates, OP consultations, diagnostics, pharmacy, nursing
 

Golden Shield Health Insurance Waiting Periods

  • Pre-existing Conditions: The waiting period for coverage of pre-existing conditions is years. Policyholders with PEDs like diabetes or cardiovascular issues will be eligible for coverage after 2 years
  • Other Waiting Periods: Shorter waiting periods for pre-existing conditions compared to other policies

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ICICI Golden Shield Health Insurance Claim Process

Here are the key steps for intimating a hospitalization claim with ICICI Lombard -

  1. Hospitalization Notification: Inform us about the hospitalization.
  2. Call Support: Dial 1800 2666 (toll-free) to notify us.
  3. Email Support: Write to us at customersupport@icicilombard.com.
  4. App Notification: Use the IL Take Care app to raise a request.
  5. App Download: Download the IL Take Care app if not already installed.
  6. Document Verification: Submit the necessary documents to support your claim.
  7. Upload Documents: Upload the documents online on our web portal.
  8. Branch Visit: Alternatively, visit our nearest branch to submit documents.
  9. Claim Officer: A claim settlement officer will be assigned to your case.
  10. Claim Settlement: Your claim will be settled as per the due procedure.

 

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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
 Check Premium
IFFCO Tokio Family Health Protector Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
 Check Premium
Niva Bupa Aspire Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
 Check Premium
Arogya Supreme Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
 Check Premium
TATA AIG Medicare Lite Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
 Check Premium
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