{"uin":"ICIHLIP24028V022324","name":"I Shield - ICIHLIP24028V022324","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324","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":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"iShield is a combi product with ICICI Lombard Health AdvantEdge health insurance and ICICI Prudential term life insurance, with separate insurers liable for their respective benefits. The health cover has a 30-day initial waiting period, 48/36/24-month PED waiting options, 24/12-month specified disease waiting options, and optional covers including maternity, OPD, worldwide cover and claim protector.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:26:13.720854+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":["Prime","Prime Plus","Royal","Royal Plus","Apex","Apex Plus"],"display":"Prime, Prime Plus, Royal, Royal Plus, Apex and Apex Plus","note":"From the prospectus. The clause text appears OCR-encoded, but it lists the Health AdvantEdge plan names.","quote":"BZM] | Ed\\;]bdaRQ\n1SJNF | MBDT\n1SJNF1MVT | MBDT\n3PZBM |\n3PZBM1MVT | MBDT\n\"QFY | MBDT\n\"QFY1MVT | MBDT","sources":[{"clause":null,"heading":"ERPcW^]͙ EG?;@EGD65͛","page":26,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20071#c-erpcw-eg-egd65"}],"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 available as a 1 year, 2 year or 3 year policy.","display":"1, 2 or 3 years","note":null,"quote":"1 year Policy ... 2 year Policy ... 3 year Policy","sources":[{"clause":null,"heading":"1 year Policy","page":51,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-1-year-policy"},{"clause":null,"heading":"2 year Policy","page":52,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-2-year-policy"},{"clause":null,"heading":"3 year Policy","page":52,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-3-year-policy"}],"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":"For cashless treatment, pre-authorization must be requested at least 48 hours before planned hospitalization and within 24 hours of hospitalization in an emergency. For reimbursement, notice must be given immediately and in any event within 10 days of hospitalization.","display":"Cashless: 48 hours before planned hospitalization, or within 24 hours of emergency hospitalization; reimbursement: immediately and within 10 days of hospitalization","note":null,"quote":"You must request preauthorization at least 48 hours before a planned Hospitalization and in case of an emergency situation, within 24 hours of Hospitalization. ... The above information needs to be provided to Us or Our in house claim processing team immediately and in any event within 10 days of Hospitalization","sources":[{"clause":null,"heading":"Pre-authorization","page":64,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-pre-authorization"},{"clause":null,"heading":"B. For Reimbursement Settlement","page":64,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-b-for-reimbursement-settlement"}],"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":["Duly completed Claim form signed by You and the Medical Practitioner","Original bills, receipts and discharge certificate/ card from the Hospital/ Medical Practitioner","Original bills from chemists supported by proper prescription","Original investigation test reports and payment receipts","Indoor case papers","Medical Practitioner's referral letter advising Hospitalization in non-Accident cases","Any other document as required by Us or Our TPA to investigate the Claim or Our obligation to make payment for it"],"display":"Claim form, original hospital bills and discharge card, chemist bills with prescriptions, investigation reports and receipts, indoor case papers, referral letter for non-accident hospitalization, and any other required document","note":null,"quote":"1. Duly completed Claim form signed by You and the Medical Practitioner. The claim form can be downloaded from our website www.icicilombard.com\n2. Original bills, receipts and discharge certificate/ card from the Hospital/ Medical Practitioner\n3. Original bills from chemists supported by proper prescription.\n4. Original investigation test reports and payment receipts.\n5. Indoor case papers\n6. Medical Practitioner's referral letter advising Hospitalization in non-Accident cases.\n7. Any other document as required by Us or Our TPA to investigate the Claim or Our obligation to make payment for it","sources":[{"clause":null,"heading":"1.2 CLAIM DOCUMENTS","page":65,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-1-2-claim-documents"}],"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 must settle or reject a claim within 30 days from receipt of the last necessary document. If investigation is warranted, it must complete investigation within 30 days and settle or reject within 45 days from receipt of the last necessary document; separately, the claim service guarantee promises reimbursement claim payment or non-admissibility communication within 14 days after complete documents and cashless response within 2 hours.","display":"30 days from last necessary document; 45 days if investigation is required; service guarantee of 14 days for reimbursement and 2 hours for cashless response","note":null,"quote":"The Company shall settle or reject a claim, as the case may be, within 30 days from the date of receipt of last necessary document. ... it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. In such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document. ... We shall make the payment of admissible claim (as per terms & conditions of Policy) OR communicate non admissibility of claim within 14 days after You submit complete set of documents & information in respect of the claims. ... We will respond within 2 hours of the actual receipt of such pre authorization request","sources":[{"clause":"3(i)","heading":null,"page":49,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-3-i"},{"clause":"3(iii)","heading":null,"page":49,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-3-iii"},{"clause":null,"heading":"1.3 Claim Service Guarantee","page":66,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-1-3-claim-service-guarantee"}],"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":["Pre-Existing Diseases - Code- Excl01","Specified disease/procedure waiting period- Code- Excl02","30-day waiting period- Code- Excl03","Investigation & Evaluation- Code- Excl04","Rest Cure, rehabilitation and respite care- Code- Excl05","Obesity/ Weight Control: Code- Excl06","Change-of-Gender treatments: Code- Excl07","Cosmetic or plastic Surgery: Code- Excl08","Hazardous or Adventure sports: Code- Excl09","Breach of law: Code- Excl10","Excluded providers: Code- Excl 11","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code- Excl 12","Refractive Error: Code- Excl15","Unproven Treatments: Code- Exel 16","Sterility and lnfertility: Code- Excl 17","Maternity: Code Excl18","War (whether declared or not) and war like occurrence","Nuclear, chemical or biological attack or weapons","Any expenses incurred on OPD treatment","Treatment taken outside the geographical limits of India"],"display":"PED and specified disease waiting periods, 30-day waiting period, investigation and evaluation, rest cure, obesity not meeting criteria, gender change, cosmetic surgery, hazardous sports, breach of law, excluded providers, alcohol or drug abuse, refractive error, unproven treatments, sterility and infertility, maternity, war, nuclear/chemical/biological attack, OPD treatment and treatment outside India","note":"Some exclusions are modified if the corresponding optional benefit is bought, such as maternity, OPD and worldwide cover.","quote":"A Pre-Existing Diseases - Code- Excl01 ... B. Specified disease/procedure waiting period- Code- Excl02 ... C. 30-day waiting period- Code- Excl03 ... D. Investigation & Evaluation- Code- Excl04 ... E.: Rest Cure, rehabilitation and respite care- Code- Excl05 ... F. Obesity/ Weight Control: Code- Excl06 ... G. Change-of-Gender treatments: Code- Excl07 ... H. Cosmetic or plastic Surgery: Code- Excl08 ... I) Hazardous or Adventure sports: Code- Excl09 ... J. Breach of law: Code- Excl10 ... K. Excluded providers: Code- Excl 11 ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code- Excl 12 ... O. Refractive Error: Code- Excl15 ... P. Unproven Treatments: Code- Exel 16 ... Q. Sterility and lnfertility: Code- Excl 17 ... R. Maternity: Code Excl18 ... S. War (whether declared or not) and war like occurrence ... T. Nuclear, chemical or biological attack or weapons ... U. Any expenses incurred on OPD treatment. ... V. Treatment taken outside the geographical limits of India.","sources":[{"clause":null,"heading":"A Pre-Existing Diseases - Code- Excl01","page":44,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-a-pre-existing-diseases-code-excl01"},{"clause":null,"heading":"B. Specified disease/procedure waiting period- Code- Excl02","page":44,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-b-specified-disease-procedure-waiting-period-cod"},{"clause":null,"heading":"C. 30-day waiting period- Code- Excl03","page":45,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-c-30-day-waiting-period-code-excl03"},{"clause":null,"heading":"D. Investigation & Evaluation- Code- Excl04","page":45,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-d-investigation-evaluation-code-excl04"},{"clause":null,"heading":"E.: Rest Cure, rehabilitation and respite care- Code- Excl05","page":46,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-e-rest-cure-rehabilitation-and-respite-care-code"},{"clause":null,"heading":"F. Obesity/ Weight Control: Code- Excl06","page":46,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-f-obesity-weight-control-code-excl06"},{"clause":null,"heading":"G. Change-of-Gender treatments: Code- Excl07","page":46,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-g-change-of-gender-treatments-code-excl07"},{"clause":null,"heading":"H. Cosmetic or plastic Surgery: Code- Excl08","page":46,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-h-cosmetic-or-plastic-surgery-code-excl08"},{"clause":null,"heading":"J. Breach of law: Code- Excl10","page":47,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-j-breach-of-law-code-excl10"},{"clause":null,"heading":"K. Excluded providers: Code- Excl 11","page":47,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-k-excluded-providers-code-excl-11"},{"clause":null,"heading":"O. Refractive Error: Code- Excl15","page":47,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-o-refractive-error-code-excl15"},{"clause":null,"heading":"P. Unproven Treatments: Code- Exel 16","page":47,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-p-unproven-treatments-code-exel-16"},{"clause":null,"heading":"Q. Sterility and lnfertility: Code- Excl 17","page":47,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-q-sterility-and-lnfertility-code-excl-17"},{"clause":null,"heading":"R. Maternity: Code Excl18","page":48,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-r-maternity-code-excl18"},{"clause":"6.10(I)(d)(ii)","heading":null,"page":48,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-6-10-i-d-ii"},{"clause":"Section 4","heading":"5: OPD for Medical and Dental","page":48,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-section-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":"First contact ICICI Lombard through the website, toll-free number, email, courier or a branch grievance cell. If not satisfied, escalate to the grievance officer hierarchy at ICICI Lombard; after that the Insurance Ombudsman or IRDAI IGMS may be approached.","display":"Contact ICICI Lombard first, then the grievance officer hierarchy; if still unsatisfied, approach the Insurance Ombudsman or IRDAI IGMS","note":null,"quote":"ln case of any grievance the insured person may contact the company through Website: www.icicilombard.com Toll Free: 1800 2666 E-Mail: customersupport@icicilombard.com ... Insured person may also approach the grievance cell at any of the company's branches with the details of grievance\nlf lnsured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at Manager- Service Quality, Corporate Manager- Service Quality, National Manager- Operations & finally Directorservices and Business development","sources":[{"clause":"16","heading":"Grievance Redressal Procedure","page":55,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-16-2"}],"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 policy wording says the Sum Insured is as specified in the Schedule. The prospectus contains a sum-insured table, but the extracted clause text does not show the complete rupee amounts readably.","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 days","note":"Does not apply to accidents; also does not apply if the insured person has continuous coverage for more than twelve months.","quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":null,"heading":"C. 30-day waiting period- Code- Excl03","page":45,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-c-30-day-waiting-period-code-excl03"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"48/36/24 months","note":"The waiting period is selected/opted as 48, 36 or 24 months. Coverage after the waiting period is subject to the PED being declared at application and accepted by the insurer.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 48/36/24 months of continuous coverage after the date of inception of the first policy with insurer as selected by the Insurer.","sources":[{"clause":null,"heading":"A Pre-Existing Diseases - Code- Excl01","page":44,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-a-pre-existing-diseases-code-excl01"}],"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"}]},{"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":12},"display":"24/12 months","note":"The named-ailment waiting period is an optional choice of 24 or 12 months; accidents are not subject to this exclusion.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24/12 months of continuous coverage after the date of inception of the first policy with us.","sources":[{"clause":null,"heading":"B. Specified disease/procedure waiting period- Code- Excl02","page":44,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-b-specified-disease-procedure-waiting-period-cod"}],"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":"quote-verified","value":["Any types of gastric or duodenal ulcers","Benign prostatic hypertrophy","All types of sinuses","Hemorrhoids","Dysfunctional uterine bleeding","Endometriosis","Stones in the urinary and biliary systems","Surgery on ears/tonsils/adenoids/ paranasal sinuses","Cataracts","Hernia of all types and Hydrocele","Fistulae in anus","Fissure in anus","Fibromyoma","Hysterectomy","Surgery for any skin ailment","Surgery on all internal or external tumours/ cysts/ nodules/polyps of any kind including breast lumps with exception of Malignancy","Dialysis required for Chronic Renal Failure","Joint Replacement Surgeries unless necessitated by Accident happening after the Policy risk inception date","Dilatation and curettage","Varicose Veins and Varicose Ulcers","Non Infective Arthritis and other form arthritis","Gout and Rheumatism","Prolapse inter Vertebral Disc and Spinal Diseases including spondylitis/spondylosis unless arising from Accident"],"display":"Gastric/duodenal ulcers, BPH, sinuses, hemorrhoids, DUB, endometriosis, stones, ENT sinus surgery, cataract, hernia/hydrocele, fistula/fissure, fibromyoma, hysterectomy, skin surgery, tumours/cysts/nodules/polyps, chronic renal failure dialysis, joint replacement, D&C, varicose veins/ulcers, non-infective arthritis, gout/rheumatism and spinal disc/spinal diseases","note":null,"quote":"1. Any types of gastric or duodenal ulcers\n2. Benign prostatic hypertrophy\n3. All types of sinuses\n4. Hemorrhoids\n5. Dysfunctional uterine bleeding\n6. Endometriosis\n7. Stones in the urinary and biliary systems\n8. Surgery on ears/tonsils/adenoids/ paranasal sinuses\n9. Cataracts,\n10. Hernia of all types and Hydrocele\n11. Fistulae in anus\n12. Fissure in anus\n13. Fibromyoma\n14. Hysterectomy\n15. Surgery for any skin ailment\n16. Surgery on all internal or external tumours/ cysts/ nodules/polyps of any kind including breast lumps with exception of Malignancy\n17. Dialysis required for Chronic Renal Failure.\n18. Joint Replacement Surgeries unless necessitated by Accident happening after the Policy risk inception date.\n19. Dilatation and curettage\n20. Varicose Veins and Varicose Ulcers\n21. Non Infective Arthritis and other form arthritis\n22) Gout and Rheumatism\n23) Prolapse inter Vertebral Disc and Spinal Diseases including spondylitis/spondylosis unless arising from Accident","sources":[{"clause":null,"heading":"B. Specified disease/procedure waiting period- Code- Excl02","page":44,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-b-specified-disease-procedure-waiting-period-cod"}],"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":"years","amount":8},"display":"8 continuous years","note":"After the moratorium, claims remain subject to proven fraud, permanent exclusions, limits, sub-limits, co-payments and deductibles.","quote":"After completion of eight continuous years under the policy no look back to be applied. This period of eight years is called as moratorium period.","sources":[{"clause":"13","heading":"Moratorium Period","page":54,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-13-2"}],"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 person may port the entire policy with all family members to another insurer by applying at least 45 days before, but not earlier than 60 days from, the renewal date. If continuously covered without lapses, accrued continuity benefits in waiting periods are available as per IRDAI portability guidelines.","display":"Allowed, with waiting-period continuity benefits if continuously covered without lapses","note":null,"quote":"The insured person will have the option to port the policy to other insurers by applying to such insurer to port the entire policy along with all the members of the family, if any, at least 45 days before, but not earlier than 60 days from the policy renewal date as per lRDAl guidelines related to portability. ... the proposed insured person will get the accrued continuity benefits in waiting periods as per lRDAl guidelines on portability.","sources":[{"clause":"10","heading":"Portability","page":54,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-10-2"}],"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":"Yes, ordinarily life-long renewable","note":null,"quote":"Policy is ordinarily life-long renewable, subject to application for renewal and the renewal premium in full has been received by the due dates and realization of premium","sources":[{"clause":"23","heading":"Prolapse inter Vertebral Disc and Spinal Diseases including","page":8,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20584#c-23"}],"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":"8","heading":"Renewal of Policy","page":53,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-8-2"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"You may cancel by giving 15 days’ written notice. The company refunds premium for the unexpired policy period by retaining the stated short-period percentages; no refund is made where any claim has been admitted or lodged or any benefit availed.","display":"15 days’ written notice; refund after short-period premium retained; no refund if a claim is admitted/lodged or any benefit availed","note":"The insurer may also cancel for misrepresentation, non-disclosure of material facts or fraud with 15 days’ written notice, with no premium refund on those grounds.","quote":"The policyholder may cancel this policy by giving l5days’ written notice and in such an event, the Company shall refund premium for the unexpired policy period as detailed below. ... Months Expired | Premium Retained\n0-3 | 25%\n3-6 | 50.0%\n6-9 | 75.0%\n9-12 | 100.0% ... Months Expired | Premium Retained\n0-3 | 15%\n3-6 | 25%\n6-9 | 50%\n9-12 | 65%\n12-15 | 75%\n15-18 | 85%\n18-24 | 100% ... Months Expired | Premium Retained\n0-3 | 15%\n3-6 | 25%\n6-9 | 35%\n9-12 | 40%\n12-15 | 50%\n15-18 | 60%\n18-21 | 70%\n21-24 | 80%\n24-27 | 85%\n27-30 | 90%\n31-36 | 100%\nNotwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy.","sources":[{"clause":"7","heading":"Cancellation","page":51,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-7-2"},{"clause":null,"heading":"1 year Policy","page":51,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-1-year-policy"},{"clause":null,"heading":"2 year Policy","page":52,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-2-year-policy"},{"clause":null,"heading":"3 year Policy","page":52,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-3-year-policy"}],"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 base hospitalization cover is for treatment in India only. Treatment outside India is excluded unless modified by the optional Worldwide Cover.","display":"India only, unless Worldwide Cover is opted","note":"Worldwide Cover is an optional benefit and is not part of the base answer.","quote":"in a Hospital in India for in- patient care ... Treatment taken outside the geographical limits of India. This exclusion will stand modified to the effect to cover Section 4.9: Worldwide cover","sources":[{"clause":"Section 2","heading":"1) In-patient Treatment","page":10,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-section-2-2"},{"clause":"Section 4","heading":"5: OPD for Medical and Dental","page":48,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-section-4-2"}],"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":15},"display":"15 days","note":"This is the health component wording. The life component wording in the same combined document provides 15/30 days depending on distance/electronic mode.","quote":"The insured person shall be allowed free look period of fifteen days from date of receipt of the policy document to review the terms and conditions of the policy, and to return the same if not acceptable.","sources":[{"clause":"6","heading":"Free Look Period","page":51,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-6-11"}],"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":30},"display":"30 days for renewal","note":"For instalment premiums, yearly and single payment modes have 30 days; half-yearly, quarterly and monthly modes have 15 days.","quote":"At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy.","sources":[{"clause":"8","heading":"Renewal of Policy","page":53,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-8-2"}],"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":"not-stated","value":null,"display":null,"note":"The provided health policy wording defines a dependent child as aged between 91 days and 25 years, but the readable policy wording does not state the full youngest and oldest entry age for buying the health policy.","quote":null,"sources":[],"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":["Single","Yearly","Half Yearly","Quarterly","Monthly"],"display":"Single, Yearly, Half Yearly, Quarterly or Monthly","note":null,"quote":"If the insured person has opted for Payment of Premium on an installment basis i.e. Half Yearly, Quarterly or Monthly, as mentioned in Your Policy Schedule ... For Yearly and single payment of mode, a fixed period of 30 days is to be allowed as Grace Period and for all other modes of payment a fixed period of 15 days be allowed as grace period.","sources":[{"clause":"9","heading":"Premium payment in instalments","page":53,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-9-2"}],"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":["Domestic Air Ambulance","Maternity Cover","New Born Baby Cover","Vaccinations for new born baby in the first year","OPD for Medical and Dental","Hospital Cash Benefit","Personal Accident Cover","Critical Illness","Worldwide Cover","Tele Consultation(s)","Home Care Treatment","Sum Insured Protector","Claim Protector"],"display":"Domestic Air Ambulance, Maternity, New Born Baby, newborn vaccinations, OPD, Hospital Cash, Personal Accident, Critical Illness, Worldwide Cover, Tele Consultation, Home Care, Sum Insured Protector and Claim Protector","note":null,"quote":"Benefits under this Section are payable as optional benefits on payment of additional premium ... 4.1: Domestic Air Ambulance: ... 4.2: Maternity Cover: ... 4.3: New Born Baby Cover: ... 4.4: Vaccinations for new born baby in the first year ... 4.5: OPD for Medical and Dental: ... 4.6: Hospital Cash Benefit: ... 4.7: Personal Accident Cover: ... 4.8: Critical Illness: ... 4.9 Worldwide Cover ... 4.10 Tele Consultation(s) ... 4.11 Home Care Treatment ... 4.12 Sum Insured Protector ... 4.13 Claim Protector","sources":[{"clause":"Section 4","heading":"OPTIONAL BENEFIT","page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-section-4"},{"clause":"Section 4(c)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-section-4-c"},{"clause":null,"heading":"4.4: Vaccinations for new born baby in the first year","page":22,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-4-4-vaccinations-for-new-born-baby-in-the-first"},{"clause":"Section 4(c)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-section-4-c-2"},{"clause":null,"heading":"4.9 Worldwide Cover","page":33,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-4-9-worldwide-cover"},{"clause":null,"heading":"4.10 Tele Consultation(s)","page":33,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-4-10-tele-consultation-s"},{"clause":null,"heading":"4.11 Home Care Treatment","page":34,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-4-11-home-care-treatment"},{"clause":null,"heading":"4.12 Sum Insured Protector","page":35,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-4-12-sum-insured-protector"},{"clause":null,"heading":"4.13 Claim Protector","page":36,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-4-13-claim-protector"}],"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":"Coverage is not available during the grace period.","display":"No cover during grace period","note":"For instalment premiums, the policy also says coverage will not be available from the due date of instalment premium until premium is received.","quote":"Coverage is not available during the grace period.","sources":[{"clause":"8","heading":"Renewal of Policy","page":53,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376#c-8-2"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. 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proportion.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"I Shield - ICIHLIP24028V022324","pages":238,"fetched_at":"2026-10-20 02:35:50+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/ishield_policy-wordings8c0003ff45fd68ff8a0df0055f56ed01.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20376"},{"kind":"prospectus","label":"I Shield - ICIHLIP24028V022324","pages":80,"fetched_at":"2026-10-20 02:11:44+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/ishield_prospectus8c0003ff45fd68ff8a0df0055f56ed19.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20071"},{"kind":"cis","label":"ishield_Health_Health AdvantEdge_ICIHLIP24028V022324","pages":13,"fetched_at":"2026-10-20 02:45:35+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/ishield_health_health-advantedge_icihlip24028v022324.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/20584"},{"kind":"premium","label":"I Shield - ICIHLIP24028V022324","pages":null,"fetched_at":"2026-10-20 01:58:42+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/ishield_rate-chart8c0003ff45fd68ff8a0df0055f56ed31.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324/document/19613"}],"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":"I Shield - ICIHLIP24028V022324 (UIN ICIHLIP24028V022324), IndiaInsurances, https://indiainsurances.com/policy/icici-lombard-general-insurance/i-shield-icihlip24028v022324-icihlip24028v022324"}