Health Shield 360 Retail

Quick Information

Basic Details

Entry Age 18 years to 65 years

Coverage Amount ₹3 Lakh to ₹25 Lakh

Policy Term 1 year (annual renewal)

Co-payment 20% for age 60+

Network Hospitals 14,000+ cashless hospitals

Claim Settlement 92% (FY 2023–24)

Best For

Families needing comprehensive coverage

People who want no room rent restrictions

Those preferring cashless treatments

Individuals looking for AYUSH coverage

Senior citizens seeking reliable cover

What Works Well

Unlimited reset for different illnesses

Guaranteed cumulative bonus not reduced after claim

AYUSH hospitalization covered

Modern treatment coverage available

Air ambulance cover included

Strong wellness rewards ecosystem

Unlimited teleconsultation

Home care treatment available

Preventive health check-up available

Cashless network support

Watch Out For

PED waiting period is 4 years

Reset benefit has relapse restriction

Home care treatment needs prior approval

Many domiciliary illnesses excluded

Optional covers require extra premium

Hidden Clauses — Read Very Carefully!

These clauses are often buried in fine print. InsureBuddy surfaces them so you're never surprised at claim time.

Reset benefit does not apply to same illness relapse within 45 days

Reset benefit does not trigger for first claim in policy year

Guaranteed cumulative bonus usable only after base sum insured exhaustion

Wellness points require minimum 400 points for redemption

Wellness points expire after carry-forward duration

Home care treatment through network provider preferred

Air ambulance available only within India

Transportation from hospital to residence not covered

Wellness program terms may change as per regulatory framework

⚡ At a Glance

✅ Cashless Available 🏨 No Room Rent Limit

✈ Air Ambulance

₹5,000,000

🚑 Road Ambulance

₹10,000

🏠 Home Care

₹25,000

📈 Cum. Bonus

20%/yr (max 100%)

💎 Wellness Points

6,000 pts (₹0.25/pt)

⭐ Key Features

•Claim ratio is 97.5

💚 Wellness Benefits

•Health Risk Assessment rewards

•Fitness challenge rewards

•Health coaching

•Medical vault rewards

•Teleconsultation rewards

•Step tracking rewards

•Health webinars

•Health quizzes

•Preventive wellness monitoring

🔬 Modern Treatments

•Robotic surgeries

•Oral chemotherapy

•Deep brain stimulation

•Balloon sinuplasty

•Stem cell therapy

•Bronchial thermoplasty

•Intra vitreal injections

•Stereotactic radiosurgery

•Green laser prostate treatment

•IONM

•HIFU treatment

•Uterine artery embolization

➕ Optional Add-ons

•Preventive Health Check-up

•Convalescence Benefit

•BeFit Cover

⚠️ Drawbacks

•4 year PED waiting period

•Reset benefit not valid for same illness relapse within 45 days

•Home care requires prior approval

•Several domiciliary exclusions present

•Wellness services depend on app registration and activity

🚫 Domiciliary Exclusions

•Asthma

•Bronchitis

•Tonsillitis

•Upper respiratory infection

•Arthritis

•Gout

•Rheumatism

•Spine disorders

•Chronic nephritis

•Liver disease

•Peptic ulcer

•Diarrhea

•Gastroenteritis

•Diabetes

•Epilepsy

•Hypertension

•Pyrexia

🤖 AI Policy Analysis

Overall Verdict

Premium modern health insurance policy with strong wellness ecosystem and broad hospitalization support

Strength Level

High

Coverage & Benefits

In-patient Hospitalisation

Covers room rent, ICU, medicines, surgery, diagnostics and hospitalization expenses

Day Care Procedures

Covers advanced daycare medical procedures

Modern Treatments

Advanced robotic and modern medical procedures covered

Pre Hospitalisation

Medical expenses before hospitalization covered

Post Hospitalisation

Medical expenses after discharge covered

AYUSH Treatment

AYUSH hospitalization covered

Reset Benefit

100% reset benefit available

Road Ambulance

Emergency road ambulance covered

Air Ambulance

Emergency air ambulance covered within India

Organ Donor Expenses

Organ donor hospitalization expenses covered

Domiciliary Hospitalisation

Treatment at home covered under conditions

Home Care Treatment

Doctor supervised treatment at home covered

Wellness Program

Wellness rewards and ecosystem available

Tele Consultation

Unlimited teleconsultation available

Preventive Health Check-up

Cashless preventive health check-up available

Maternity Cover

Not included in base cover

What's Not Covered

Standard and specific exclusions under this policy.

Standard Exclusions

Unproven treatment

Experimental treatment

Outpatient treatment

Non-medical expenses

Cosmetic treatment unless medically necessary

Waiting Periods

4 years waiting period for pre-existing diseases

Specified illnesses subject to waiting periods

Domiciliary Exclusions

Asthma

Bronchitis

Diabetes

Hypertension

Arthritis

Gastroenteritis

Epilepsy

Liver diseases

Air Ambulance Exclusions

International transportation

Hospital to home transfer

Hospital to hospital transfer

Official Policy PDF

Download the official IRDAI-filed brochure from ICICI Lombard General Insurance Company Limited.

📄 Official PDF brochure not yet available for this policy.

InsureBuddy Score

Recommended

Among top 20% in category

Claim Settlement 90%

Coverage Quality 90%

Policy Terms 85%

Value for Money 95%

Network & Features 96%

Risk Level Low Risk (3/10)

Quick Actions

Add to My Policies Compare With Others Ask the Community →

How to View Policy Details