{"uin":"ICIHLGP23027V012223","name":"ICICI Lombard Group Criti Shield Plus","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223","insurer":{"slug":"icici-lombard-general-insurance","name":"ICICI LOMBARD General Insurance Company Limited","url":"https://indiainsurances.com/insurer/icici-lombard-general-insurance"},"line":"health","category":"critical-illness","category_name":"Critical illness","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"ICICI Lombard Group Criti Shield Plus is a group benefit critical illness policy with comprehensive and extensive critical illness benefits and optional covers for cancer restore, surgery, personal accident, loss of pay or income and ICU benefit. The policy term is up to 1 year for non-credit linked policies and up to 5 years for credit linked policies, with worldwide scope unless specified otherwise.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:31:00.926695+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Benefit 1.1: 57Critical Illnesses and 46 Critical Illnesses","Benefit 1.2: 42 Critical Illnesses and NA","Benefit 1.3: 57 Critical Illnesses and NA"],"display":"Benefit 1.1, Benefit 1.2 and Benefit 1.3","note":"These are the named Benefit 1 sub-benefits; the policy also has Benefit 2 Extensive Critical Illness and add-on benefits.","quote":"Benefit 1 | Major | Minor | Reference table\nBenefit 1.1 | 57Critical Illnesses | 46 Critical Illnesses | Annexure 1\nBenefit 1.2 | 42 Critical Illnesses | NA | Annexure 2\nBenefit 1.3 | 57 Critical Illnesses | NA | Annexure 3","sources":[{"clause":"1.1.1","heading":"Section A: Critical Illness","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/19947#c-1-1-1"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy is issued for up to 1 year for non-credit linked policies and up to 5 years for credit linked policies.","display":"Up to 1 year for non-credit linked policies; up to 5 years for credit linked policies","note":null,"quote":"The Policy will be issued for upto 1 year for non-credit linked policies and upto 5 years for credit linked policies.","sources":[{"clause":null,"heading":"Policy Period","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/19947#c-policy-period"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"You must notify the insurer immediately on the toll-free number, website, in writing at the policy address or by email. The completed claim form and relevant documents must be submitted in full within 30 days.","display":"Notify immediately; submit claim form and relevant documents within 30 days","note":null,"quote":"Notify Us immediately on toll free number 1800 2666 or on our website www.icicilombard.com or also in writing at Our address specified in the Policy Schedule or email us at customersupport@icicilombard.com ... Along with the completed and signed Claim form, provide all the relevant documents, specified within the relevant Section of the Policy for the Benefit being claimed, must be submitted in full within 30 days.","sources":[{"clause":null,"heading":"2. TERMS OF RENEWAL","page":35,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-2-terms-of-renewal"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claim Form duly filled and signed by Insured Person/Nominee/claimant","EMS Paper","Discharge Card/Summary papers","Indoor Case papers","Hospital Bills","All Investigation Reports – blood, pathology, radiology, etc.","Schedule by treating Medical Practitioner confirming diagnosis","Current and past consultation papers","Schedule of Medical Cause of Death issued by last attending Medical Practitioner (wherever applicable)","Post Mortem Report, FSL Report, Viscera and Chemical Analysis Report, Histopathology Report (wherever applicable)","Any other specific investigation / document to support the diagnosis of such Critical Illness","Income Proof(ITR/Salary Slip,etc)"],"display":"Claim form, medical papers, bills, investigation reports, diagnosis certificate/schedule, death/post-mortem papers where applicable, other required investigations and income proof","note":"This is the document list for Section A Benefit 1/2 claims; other add-on benefits have their own additional document lists.","quote":"Claim Form duly filled and signed by Insured Person/Nominee/claimant EMS Paper Discharge Card/Summary papers Indoor Case papers Hospital Bills All Investigation Reports – blood, pathology, radiology, etc. Schedule by treating Medical Practitioner confirming diagnosis Current and past consultation papers Schedule of Medical Cause of Death issued by last attending Medical Practitioner (wherever applicable) ... Post Mortem Report, FSL Report, Viscera and Chemical Analysis Report, Histopathology Report (wherever applicable) Any other specific investigation / document to support the diagnosis of such Critical Illness, as may be reasonably required by Us in addition to the documents specified under this Section. Income Proof(ITR/Salary Slip,etc)","sources":[{"clause":"2(g)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-2-g"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The company shall settle or reject a claim within 15 days from receipt of the claim form along with claim documents.","display":"Within 15 days from receipt of claim form with claim documents","note":null,"quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of claim form along claim document.","sources":[{"clause":null,"heading":"2. Condition Precedent to Admission of","page":27,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-2-condition-precedent-to-admission-of"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Any Critical Illness where the symptoms indicative of such Critical Illness have first manifested or first occurred prior to the Risk Inception Date or arisen within first 30/60/90/120/150 days","Any Critical Illness arising on account of or in connection with any Pre-Existing Disease(s).","Any Critical Illness or Surgery/Surgical Procedure arising out of any external Congenital Anomaly","Any claim made without a medical certificate from the treating Medical Practitioner evidencing the diagnosis of such Critical Illness.","Any Critical Illness traceable to pregnancy, childbirth, abortion, or related consequences.","Any, medical condition or treatment or service that is specifically excluded in the Policy Schedule under the head “Special Conditions”.","Any breach of the law by the Insured Person with a criminal intent.","War, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrests, restraints and detainment of citizens of whatever nation, riots or civil commotion.","Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from nuclear weapon materials or from the combustion of nuclear fuel.","Use or misuse of intoxicating drugs and/or alcohol.","Any act of self-destruction or self-inflicted injury, attempted suicide or suicide and deliberate participation of the Insured in an illegal or criminal act with criminal intent.","Any tests and treatment relating to infertility and in vitro fertilization.","Any Injury / Illness occurring whilst engaging in any Adventure Sports, either as an instructor/ trainer, or as a participant."],"display":"Waiting period and prior symptoms, pre-existing disease, external congenital anomaly, missing medical certificate, pregnancy-related critical illness, special conditions, breach of law, war, radiation, intoxicants, self-injury, infertility/IVF and adventure sports","note":"Add-on benefits have additional exclusions specific to surgery, personal accident, loss of pay/income and ICU benefit.","quote":"Any Critical Illness where the symptoms indicative of such Critical Illness have first manifested or first occurred prior to the Risk Inception Date or arisen within first 30/60/90/120/150 days as specified in the policy schedule from commencement of the Period of Cover. ... Any Critical Illness arising on account of or in connection with any Pre-Existing Disease(s). ... Any Critical Illness or Surgery/Surgical Procedure arising out of any external Congenital Anomaly ... Any claim made without a medical certificate from the treating Medical Practitioner evidencing the diagnosis of such Critical Illness. ... Any Critical Illness traceable to pregnancy, childbirth, abortion, or related consequences. ... 1. Any, medical condition or treatment or service that is specifically excluded in the Policy Schedule under the head “Special Conditions”.\n2. Any breach of the law by the Insured Person with a criminal intent.\n3. War, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrests, restraints and detainment of citizens of whatever nation, riots or civil commotion. ... 5. Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from nuclear weapon materials or from the combustion of nuclear fuel. ... 6. Use or misuse of intoxicating drugs and/or alcohol. ... 8. Any act of self-destruction or self-inflicted injury, attempted suicide or suicide and deliberate participation of the Insured in an illegal or criminal act with criminal intent. ... 11. Any tests and treatment relating to infertility and in vitro fertilization.\n12. Any Injury / Illness occurring whilst engaging in any Adventure Sports, either as an instructor/ trainer, or as a participant.","sources":[{"clause":"2(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-2-a"},{"clause":"2(c)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-2-c"},{"clause":"2(d)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-2-d"},{"clause":"2(f)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-2-f"},{"clause":"2(g)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-2-g"},{"clause":"4","heading":"Health assistance","page":26,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-4-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For a grievance, contact ICICI Lombard through its website, toll-free number, email or the stated Mumbai address, or approach the grievance cell at a company branch. If not satisfied, contact the grievance redressal officer through the stated link before approaching IRDAI or the Insurance Ombudsman.","display":"Contact ICICI Lombard first by website, toll-free number, email, address or branch grievance cell; then the grievance redressal officer link","note":null,"quote":"ln case of any grievance the insured person may contact the Company through Website: www.icicilombard.com Tollfree:18002666 Email: customersupport@icicilombard.com ICICI Lombard General Insurance Co. Ltd. Ground floor- Interface 11, Sixth floor- Interface 16 Office no 601 & 602, New linking Road, Malad (West), Mumbai – 400064 ... insured person may also approach the grievance bad@cioins.co.in cell at any of the company's branches with the details of grievance. ... lf lnsured person is not satisfied with the redressal of grievance ,insured person may contact the grievance redressal officer at the details provided in the below link:\nhttps://www.icicilombard.com/grievanceredress.co m","sources":[{"clause":"14","heading":"Free look period","page":30,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-14-2"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"not-stated","value":null,"display":null,"note":"The documents refer to the Sum Insured as specified in the Policy Schedule or Policy Certificate, but do not list selectable cover amounts.","quote":null,"sources":[],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30/60/90/120/150 days as specified in the policy schedule","note":"The printed options are 30/60/90/120/150 days depending on the Policy Schedule. Section C personal accident benefits have no waiting period; Cancer Restore has a separate 3 years waiting period from the first Major Cancer diagnosis.","quote":"Any Critical Illness where the symptoms indicative of such Critical Illness have first manifested or first occurred prior to the Risk Inception Date or arisen within first 30/60/90/120/150 days as specified in the policy schedule from commencement of the Period of Cover.","sources":[{"clause":"2(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-2-a"}],"law":[]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":0},"display":"NA","note":null,"quote":"Specific Waiting Periods: NA","sources":[{"clause":null,"heading":"Specific Waiting Periods: NA","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20169#c-specific-waiting-periods-na"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"For enhanced sums insured, the sixty continuous months run from the date of enhancement for the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the Company on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":"11","heading":"Moratorium","page":30,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-11-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured can port the policy from one insurer to another by applying to the new insurer for the entire policy at least 30 days before, but not earlier than 60 days from, the renewal due date. Credits gained can be transferred to the extent of the sum insured and benefits available, but this is not applicable for enhanced sum insured.","display":"Can port to another insurer with waiting-period credit, subject to conditions; not applicable for enhanced sum insured","note":null,"quote":"The insured has the choice to port his / her policies from one Insurer to another. An Insured desirous of porting his/her policy to another insurer shall apply to such insurer to port the entire policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the due date for renewal. ... The insured is entitled to transfer the credits gained to the extent of the sum insured and the benefits available in the previous policy, subject to the underwriting policy of the Company ... This benefit is not applicable for enhanced sum insured.","sources":[{"clause":"8(a)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-8-a"},{"clause":"8(b)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-8-b"},{"clause":"8(d)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-8-d"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Lifetime renewability for Section A , Section B and Section E subject no claim","note":"The policy wording also says future renewal under a benefit is not allowed once the Sum Insured under that benefit is exhausted.","quote":"Lifetime renewability for Section A , Section B and Section E subject no claim","sources":[{"clause":null,"heading":"Salient features","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/19947#c-salient-features"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading applies on renewals based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":null,"heading":"3. An Insurer shall not resort to fresh","page":29,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-3-an-insurer-shall-not-resort-to-fresh"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Any Critical Illness arising on account of or in connection with any Pre-Existing Disease(s).","Any Critical Illness or Surgery/Surgical Procedure arising out of any external Congenital Anomaly","Any, medical condition or treatment or service that is specifically excluded in the Policy Schedule under the head “Special Conditions”.","Any breach of the law by the Insured Person with a criminal intent.","War, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrests, restraints and detainment of citizens of whatever nation, riots or civil commotion.","Any Injury sustained while performing duty in army, navy, air force, paramilitary force, police or any other such institution, except to the extent it is expressly covered under any Benefit.","Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from nuclear weapon materials or from the combustion of nuclear fuel.","Use or misuse of intoxicating drugs and/or alcohol.","Any act of self-destruction or self-inflicted injury, attempted suicide or suicide and deliberate participation of the Insured in an illegal or criminal act with criminal intent.","Any Injury / Illness occurring whilst working in underground mines or explosives magazines, or involving electrical installation with high tension supply, or as jockeys or circus personnel","Any tests and treatment relating to infertility and in vitro fertilization.","Any Injury / Illness occurring whilst engaging in any Adventure Sports, either as an instructor/ trainer, or as a participant.","Any natural peril (including but not limited to storm, tempest, avalanche, earthquake, volcanic eruptions, hurricane, or any other kind of natural hazard)."],"display":"PED, external congenital anomaly, special conditions, breach of law, war, armed forces duty, radiation/nuclear, intoxicants, self-injury/suicide, high-risk occupations, infertility/IVF, adventure sports and natural peril","note":"The policy wording does not print IRDAI exclusion codes Excl04 to Excl18 for these exclusions.","quote":"Any Critical Illness arising on account of or in connection with any Pre-Existing Disease(s). ... Any Critical Illness or Surgery/Surgical Procedure arising out of any external Congenital Anomaly ... 1. Any, medical condition or treatment or service that is specifically excluded in the Policy Schedule under the head “Special Conditions”.\n2. Any breach of the law by the Insured Person with a criminal intent.\n3. War, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrests, restraints and detainment of citizens of whatever nation, riots or civil commotion.\n4. Any Injury sustained while performing duty in army, navy, air force, paramilitary force, police or any other such institution, except to the extent it is expressly covered under any Benefit.\n5. Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from nuclear weapon materials or from the combustion of nuclear fuel. ... 6. Use or misuse of intoxicating drugs and/or alcohol. ... 8. Any act of self-destruction or self-inflicted injury, attempted suicide or suicide and deliberate participation of the Insured in an illegal or criminal act with criminal intent. ... 9. Any Injury / Illness occurring whilst working in underground mines or explosives magazines, or involving electrical installation with high tension supply, or as jockeys or circus personnel ... 11. Any tests and treatment relating to infertility and in vitro fertilization.\n12. Any Injury / Illness occurring whilst engaging in any Adventure Sports, either as an instructor/ trainer, or as a participant.\n13. Any natural peril (including but not limited to storm, tempest, avalanche, earthquake, volcanic eruptions, hurricane, or any other kind of natural hazard).","sources":[{"clause":"2(c)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-2-c"},{"clause":"2(d)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-2-d"},{"clause":"4","heading":"Health assistance","page":26,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-4-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel by giving 15days written notice. The insurer retains premium for the period the policy was in force and refunds as per the formula Refund of premium = P * (n /m) * 85%, but no refund is made if a claim has been made, admitted, lodged or any benefit availed.","display":"15days written notice; refund = P * (n /m) * 85%; no refund if a claim/benefit exists","note":null,"quote":"The policyholder may cancel this policy by giving 15days 'written notice and in such an event, the Company shall refund premium for the unexpired policy period as detailed below. ... We shall from the date of receipt of the notice cancel the Policy, retain the premium for the period this Policy has been in force, and refund at Our short period scales as per the Cancellation Grid provided below, provided that no refund of premium shall be made if any claim has been made under the Policy by or on behalf of the Insured Person. ... Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of the Insured Person where any Claim has been admitted by Us or has been lodged with Us or any Benefit has been availed by the Insured Person under the Policy. ... Refund on Cancellation: Refund of premium = P * (n /m) * 85%","sources":[{"clause":"6(i)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-6-i"},{"clause":"6(ii)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-6-ii"},{"clause":"6(iii)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-6-iii"},{"clause":"6(vi)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-6-vi"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The scope of benefit is worldwide unless specified otherwise.","display":"Worldwide unless specified otherwise","note":null,"quote":"The scope of Benefit shall be worldwide unless specified otherwise.","sources":[{"clause":null,"heading":"65 years respectively For Employer- Employee: minimum and","page":39,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-65-years-respectively-for-employer-employee-mini"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Free look is not provided for policies with tenure of less than a year.","quote":"Every insured of new health insurance policies, except for those policies with tenure of less than a year, shall be provided a free look period of 30 days beginning from the date of receipt of\npolicy | document, | whether | received\nelectronically or otherwise, to review the terms and conditions of such policy.","sources":[{"clause":"14","heading":"Free look period","page":30,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-14-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"fifteen days where premium payment mode is monthly and thirty days in all other cases","note":"The renewal clause also says the policy can be renewed within the Grace Period of 30 day.","quote":"The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"11","heading":"Moratorium","page":30,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-11-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"conflicting","value":"Policy wording says proposer entry age is 18 years to 65 years; insured entry age is 18yrs to 65 years; for Employer- Employee, insured entry age is 3 months to 75yrs.","display":"Proposer: 18 years to 65 years; insured: 18yrs to 65 years; Employer- Employee insured: 3 months to 75yrs","note":"Prospectus says: “Min. Entry Age for Insured: 3 months” and “Maximum Entry age for Insured :65 years”.","quote":"Policy is 18 years and 65 years respectively ... Age of insured: minimum and maximum age of entry for an insured into the Policy is 18yrs and ... 65 years respectively For Employer- Employee: minimum and ... maximum age of entry for an insured: 3 months to 75yrs","sources":[{"clause":null,"heading":"Policy is 18 years and 65 years respectively","page":39,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-policy-is-18-years-and-65-years-respectively"},{"clause":null,"heading":"65 years respectively For Employer- Employee: minimum and","page":39,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-65-years-respectively-for-employer-employee-mini"},{"clause":null,"heading":"Eligibility","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/19947#c-eligibility"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["lump sum","annual","monthly","quarterly","half yearly installments"],"display":"lump sum/annual or monthly/quarterly/half yearly installments","note":null,"quote":"Flexi premium payment options: lump sum/annual or in monthly/quarterly/half yearly installments","sources":[{"clause":null,"heading":"Salient features","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/19947#c-salient-features"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Benefit 3: Cancer Restore Benefit","Benefit: 4 Major Surgical Procedures","PERSONAL ACCIDENT","Benefit 8: Loss of Pay","Benefit 9: Loss of Income on account of loss of Employment","Benefit 10: ICU Benefit"],"display":"Cancer Restore, Major Surgical Procedures, Personal Accident, Loss of Pay, Loss of Income on account of loss of Employment and ICU Benefit","note":"These covers apply only if opted and premium is paid; the wording expressly states additional premium for Cancer Restore, Major Surgical Procedures and ICU Benefit.","quote":"Section A: Add On: Benefit 3: Cancer ... Restore Benefit:\nIn consideration of payment of additional premium this cover pays the sum insured specified against this Benefit ... Section B: Add on cover: Benefit: 4 ... Major Surgical Procedures:\nIn consideration of payment of additional premium ... Section C: Add on Cover: PERSONAL ACCIDENT ... Section D: Add on Cover: Benefit 8: Loss ... Benefit of Pay ... Benefit 9: Loss of Income on account of loss of ... Employment ... Section E: Add on: Benefit 10: ICU Benefit:\nIn the event of a hospital admission if an insured is admitted in ICU","sources":[{"clause":null,"heading":"1.2.1 Section A: Add On: Benefit 3: Cancer","page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-1-2-1-section-a-add-on-benefit-3-cancer"},{"clause":"2.1","heading":"Section B: Add on cover: Benefit: 4","page":14,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-2-1"},{"clause":null,"heading":"3.1Section C: Add on Cover: PERSONAL ACCIDENT","page":16,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-3-1section-c-add-on-cover-personal-accident"},{"clause":null,"heading":"4.1 Section D: Add on Cover: Benefit 8: Loss","page":19,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-4-1-section-d-add-on-cover-benefit-8-loss"},{"clause":null,"heading":"5.1 Section D: Add on Cover: Benefit 9: Loss","page":22,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-5-1-section-d-add-on-cover-benefit-9-loss"},{"clause":null,"heading":"Employment","page":22,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-employment"},{"clause":"14","heading":"Cancelled cheque and NEFT mandate form","page":24,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-14"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"For instalment premium during the policy period, the company offers coverage during the grace period if the premium is paid in instalments. The renewal terms also state that the insurer will not be liable for a claim arising from an insured event during the grace period.","display":"Instalment grace: coverage offered; renewal grace: no claim for an insured event during the Grace Period","note":"The wording treats instalment premium grace and renewal grace differently.","quote":"The Company shall offer coverage during the grace period, if the premium is paid in instalments during the policy period. ... We will not be liable to pay for any Claim arising out of an Insured Event that occurs during the Grace Period.","sources":[{"clause":"11","heading":"Moratorium","page":30,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-11-3"},{"clause":null,"heading":"2. TERMS OF RENEWAL","page":35,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270#c-2-terms-of-renewal"}],"law":[]},{"key":"illness_count","label":"Number of illnesses covered","section":"Cover","meaning":"How many critical illnesses are listed. The definitions matter more than the count.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"illness_list","label":"Illnesses covered","section":"Cover","meaning":"The listed illnesses. Standard definitions are set by IRDAI.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"payout","label":"Payout","section":"Cover","meaning":"Lump sum on diagnosis, staged payouts by severity, or reimbursement.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"survival_period","label":"Survival period","section":"Waiting periods","meaning":"Days you must survive after diagnosis before the money is paid.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"multiple_claims","label":"Multiple claims","section":"Cover","meaning":"Whether you can claim for more than one illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ped_waiting","label":"Pre-existing conditions","section":"Waiting periods","meaning":"Whether an illness you already had can ever be claimed: after a waiting period, or never.","status":"not-applicable","value":null,"display":null,"note":"This product excludes pre-existing disease claims instead of providing a waiting period after which they are covered.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]}],"documents":[{"kind":"wording","label":"ICICI Lombard Group Criti Shield Plus","pages":65,"fetched_at":"2026-10-20 02:28:05+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/icici-lombard-group-criti-shield-plus_policy-wordings_lot-14.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20270"},{"kind":"wording","label":"Group Criti Shield Plus (IRDAI copy)","pages":88,"fetched_at":"2026-10-20 02:31:44+00","source_url":"https://irdai.gov.in/documents/37343/931203/ICIHLGP23027V012223.pdf/bf200d67-8809-22db-ef15-9146bf3b418a?version=1.0&t=1669349368756&download=true","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/28656"},{"kind":"prospectus","label":"ICICI Lombard Group Criti Shield Plus","pages":49,"fetched_at":"2026-10-20 02:04:46+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/icici-lombard-group-criti-shield-plus_prospectus_lot-14.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/19947"},{"kind":"cis","label":"ICICI Lombard Group Criti shield Plus","pages":16,"fetched_at":"2026-10-20 02:21:13+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/icic-lombard-group-criti-shield-plus-cis.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223/document/20169"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"ICICI LOMBARD General Insurance official website","url":"https://www.icicilombard.com","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"ICICI Lombard Group Criti Shield Plus (UIN ICIHLGP23027V012223), IndiaInsurances, https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-lombard-group-criti-shield-plus-icihlgp23027v012223"}