{"uin":"ICIHLIP25037V022425","name":"Health Shield 360 Retail Classic (Base)_Ratechart_ ICIHLIP25037V022425","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425","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":"Health Shield 360 Retail is a health indemnity policy with individual and floater sum insured options from ₹ 3,00,000 to ₹ 3,00,00,000 and policy terms of one, two or three years. It has a 30-day initial waiting period, plan-wise PED waiting, a 24-month specific waiting period, reset up to 100% of annual sum insured, and a loyalty bonus of 20% up to 100%.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:26:47.436659+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":["Health Shield 360 Retail – Classic","Health Shield 360 Retail – Classic Plus","Health Shield 360 Retail – Elite","Health Shield 360 Retail – Premiere","Health Shield 360 Retail – Royale"],"display":"Classic, Classic Plus, Elite, Premiere and Royale","note":null,"quote":"Health Shield 360 Retail – Classic ... Health Shield 360 Retail – Classic Plus ... Health Shield 360 Retail – Elite ... Health Shield 360 Retail – Premiere ... Health Shield 360 Retail – Royale","sources":[{"clause":null,"heading":"Health Shield 360 Retail – Classic","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/19804#c-health-shield-360-retail-classic"},{"clause":null,"heading":"Health Shield 360 Retail – Classic Plus","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/19799#c-health-shield-360-retail-classic-plus"},{"clause":null,"heading":"Health Shield 360 Retail – Elite","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/19809#c-health-shield-360-retail-elite"},{"clause":null,"heading":"Health Shield 360 Retail – Premiere","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/19813#c-health-shield-360-retail-premiere"},{"clause":null,"heading":"Health Shield 360 Retail – Royale","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/19819#c-health-shield-360-retail-royale"}],"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 can be taken for a policy period of one year, two years or three years.","display":"1, 2 or 3 years","note":null,"quote":"Policy tenure: You can opt for a Policy with Policy period of one year or two years or three years","sources":[{"clause":null,"heading":"Salient features","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/19956#c-salient-features"}],"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-authorisation must be requested at least 48 hours before planned hospitalisation and within 24 hours of emergency hospitalisation. For reimbursement, notice must be given immediately and in any event within 10 days of hospitalisation.","display":"Cashless: 48 hours before planned hospitalisation or within 24 hours of emergency hospitalisation; reimbursement: immediately and within 10 days of hospitalisation","note":null,"quote":"You must request pre-authorisation at least 48 hours before a planned Hospitalisation and in case of an emergency situation, within 24 hours of Hospitalisation. ... 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 Hospitalisation","sources":[{"clause":"5(i)","heading":null,"page":47,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-5-i"}],"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 Hospitalisation in non-Accident cases.","Any other document as required by Us or Our In house claim processing team to investigate the Claim or Our obligation to make payment for it"],"display":"Claim form, hospital bills/receipts/discharge card, chemist bills with prescription, investigation reports and receipts, indoor case papers, referral letter for non-accident hospitalisation, and any other required document","note":null,"quote":"a) Duly completed Claim form signed by You and the Medical Practitioner. ... b) Original bills, receipts and discharge certificate/card from the Hospital/Medical Practitioner ... c) Original bills from chemists supported by proper prescription. ... d) Original investigation test reports and payment receipts. ... e) Indoor case papers ... f) Medical Practitioner’s referral letter advising Hospitalisation in non-Accident cases. ... g) Any other document as required by Us or Our In house claim processing team to investigate the Claim or Our obligation to make payment for it","sources":[{"clause":"5(a)","heading":null,"page":48,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-5-a"},{"clause":"5(b)","heading":null,"page":48,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-5-b"},{"clause":"5(c)","heading":null,"page":48,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-5-c"},{"clause":"5(d)","heading":null,"page":48,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-5-d"},{"clause":"5(e)","heading":null,"page":48,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-5-e"},{"clause":"5(f)","heading":null,"page":48,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-5-f"},{"clause":"5(g)","heading":null,"page":48,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-5-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":"For cashless pre-authorisation through an empanelled network hospital, the insurer will decide/respond within 1 hour and grant final authorisation within three hours of discharge authorisation request. Reimbursement claims will be processed within 15 days of receipt of the claim along with claim form and documents.","display":"Cashless pre-authorisation: 1 hour; final authorisation: 3 hours; reimbursement processing: 15 days from receipt of claim with claim form and documents","note":null,"quote":"We will decide on request within 1 hours of the actual receipt of such pre authorization request ... we shall grant final authorization within three hours of the receipt of discharge authorization request from the hospital. ... The claim will be processed within 15 days of receipt of claim along with claim form and documents.","sources":[{"clause":"5(i)","heading":null,"page":47,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-5-i"},{"clause":"5(iii)","heading":null,"page":47,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-5-iii"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 its website, toll-free number, email, courier address, or the grievance cell at a branch. If not satisfied, contact the grievance officer, then IRDAI/Bima Bharosa or the Insurance Ombudsman.","display":"First ICICI Lombard customer support or branch grievance cell; then grievance officer; then IRDAI/Bima Bharosa or Insurance Ombudsman","note":null,"quote":"ln case of any grievance the insured person may contact the Company through Website: | www.icicilombard.com | Toll | free: | 1800 | 2666 | Email: customersupport@icicilombard.com ... lnsured person may also approach the grievance 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 ... the insured person may also approach Insurance Regulatory and Development Authority of India (IRDAI) through the Bima Bharosa Portal ... Insured may also approach Insurance Ombudsman","sources":[{"clause":null,"heading":"15. Redressal of Grievances","page":38,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-15-redressal-of-grievances"}],"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":"quote-verified","value":"The prospectus states minimum sum insured of ₹ 3,00,000 and maximum sum insured of ₹ 3,00,00,000.","display":"₹ 3,00,000 to ₹ 3,00,00,000","note":"The full option grid is plan-specific; the prospectus states the minimum and maximum.","quote":"Minimum Sum Insured: ₹ 3,00,000 Maximum Sum Insured: ₹ 3,00,00,000","sources":[{"clause":null,"heading":"Salient features","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/19956#c-salient-features"}],"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":null,"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":"Excl03(a)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-excl03-a"}],"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":12},"display":"12/24/36 months, as per plan","note":"CIS variants show Classic/Classic Plus/Premiere at 24 months, Elite at 36 months, and Royale at 12 months.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 12/24 months (as per the plan opted) of continuous coverage after the date of inception of the first policy with insurer. ... Pre-Existing Diseases: Declared & accepted Pre-existing diseases are covered after 36 months of continuous coverage. ... Pre-Existing Diseases: Declared & accepted Pre-existing diseases will be covered after 12 months of continuous coverage.","sources":[{"clause":"Excl01","heading":"Code- Excl01: Pre-Existing Diseases","page":31,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-excl01"},{"clause":"3(e)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/19809#c-3-e-2"},{"clause":"Row 3(f)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/19819#c-row-3-f"}],"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":24},"display":"24 months","note":"Hypertension, diabetes and cardiac conditions have a separate 90-day exclusion unless pre-existing and disclosed.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with us.","sources":[{"clause":"Excl02(a)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-excl02-a"}],"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":["Cataract","Benign Prostatic Hypertrophy","Myomectomy, Hysterectomy unless because of malignancy","All types of Hernia, Hydrocele","Fissures &/or Fistula in anus, hemorrhoids/piles","Arthritis, gout, rheumatism and spinal disorders","Joint replacements unless due to accident","Sinusitis and related disorders","Stones in the urinary and billiary systems","Dilatation and curettage , Endometriosis","All types of Skin and internal tumors/ cysts/nodules/ polyps of any kind including breast lumps unless malignant","Dialysis required for chronic renal failure","Surgery on tonsils, adenoids and sinuses","Gastric and Duodenal erosions & ulcers","Deviated Nasal Septum","Varicose Veins/ Varicose Ulcers","Hypertension","Diabetes","Cardiac Conditions"],"display":"Listed conditions include cataract, BPH, myomectomy/hysterectomy, hernia/hydrocele, fissures/fistula/piles, arthritis/gout/rheumatism/spinal disorders, joint replacements, sinusitis, urinary/biliary stones, D&C/endometriosis, benign skin/internal tumours/cysts/nodules/polyps, dialysis for chronic renal failure, tonsil/adenoid/sinus surgery, gastric/duodenal ulcers, DNS, varicose veins/ulcers, plus 90-day hypertension/diabetes/cardiac conditions","note":"The first listed group has 24 months; hypertension, diabetes and cardiac conditions have 90 days unless pre-existing and disclosed.","quote":"List of specific diseases/procedure:\n• Cataract\n• Benign Prostatic Hypertrophy\n• Myomectomy, Hysterectomy unless because of malignancy\n• All types of Hernia, Hydrocele\n• Fissures &/or Fistula in anus, hemorrhoids/piles\n• Arthritis, gout, rheumatism and spinal disorders\n• Joint replacements unless due to accident\n• Sinusitis and related disorders\n• Stones in the urinary and billiary systems\n• Dilatation and curettage , Endometriosis\n• All types of Skin and internal tumors/ cysts/nodules/ polyps of any kind including breast lumps unless malignant\n• Dialysis required for chronic renal failure\n• Surgery on tonsils, adenoids and sinuses\n• Gastric and Duodenal erosions & ulcers\n• Deviated Nasal Septum\n• Varicose Veins/ Varicose Ulcers\n3. Expenses related to the treatment of the below mentioned illness within 90 days from the first policy commencement date shall be excluded unless they are pre-existing and disclosed at the time of underwriting\ni) Hypertension\nii) Diabetes\niii) Cardiac Conditions","sources":[{"clause":"Excl02(e)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-excl02-e"}],"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":"60 continuous months","note":null,"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 insurer 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":null,"heading":"11. Moratorium Period","page":38,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-11-moratorium-period"}],"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 and transfer credits gained to the extent of the sum insured and benefits available in the previous policy, subject to underwriting; it does not apply to enhanced sum insured.","display":"Portability allowed with transfer of credits, subject to underwriting; not for enhanced sum insured","note":null,"quote":"a) The insured has the choice to port his / her policies from one Insurer to another. ... b) 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 ... d) This benefit is not applicable for enhanced sum insured.","sources":[{"clause":null,"heading":"8. Portability","page":37,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-8-portability"}],"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, lifetime renewability with no maximum renewal age","note":null,"quote":"Lifetime renewability: There is no maximum age limit for Renewal.","sources":[{"clause":"2","heading":"Lifetime renewability","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/19956#c-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 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, and renewal cannot be denied because claims were made in preceding policy years.","display":"No loading on renewal based on individual claims experience","note":null,"quote":"No loading shall apply on renewals based on individual claims experience ... The Company shall not deny the renewal of a health insurance policy on the ground that the insured had made a claim or claims in the preceding policy years","sources":[{"clause":"Excl03(IV)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-excl03-iv"}],"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":"The insured may cancel by giving 7 days' written notice. The insurer refunds proportionate premium for the unexpired period for policies up to one year if no claim has been made, and refunds premium for unexpired years for policies over one year where risk coverage for those years has not commenced; no refund is given where a claim is admitted, lodged or any benefit availed.","display":"7 days' notice; proportionate refund of unexpired premium if term up to 1 year and no claim; for term over 1 year refund unexpired policy years not yet commenced; no refund if claim admitted/lodged or benefit availed","note":null,"quote":"The insured may cancel the policy at any time during the term, by giving 7 days notice in writing. ... Refund proportionate premium for unexpired policy period, if the term of policy up to one year and there is no claim (s) made during the policy period. ... Refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced ... 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":null,"heading":"6. Cancellation","page":36,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-6-cancellation"},{"clause":"Excl03(II)(a)(i)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-excl03-ii-a-i"},{"clause":"Excl03(II)(a)(ii)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-excl03-ii-a-ii"}],"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":"Medical treatment is covered in India only unless the optional Worldwide Cover has been opted for.","display":"India only unless Optional Cover Worldwide Cover is opted","note":null,"quote":"All medical treatment for the purpose of this insurance will have to be taken in India only unless Optional Cover Worldwide Cover has been opted for.","sources":[{"clause":"21","heading":"Territorial Limit","page":41,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-21"}],"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 from receipt of policy document","note":null,"quote":"Every insured of new individual 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 policy document","sources":[{"clause":null,"heading":"14. Free look period","page":38,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-14-free-look-period"}],"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":"15 days for monthly mode; 30 days in all other cases","note":"One renewal clause in the same wording says “thirteen days where premium payment mode is monthly and thirty days in all other cases”; the definition and instalment clause say fifteen days for monthly mode.","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":null,"heading":"12. Premium Payment in installments","page":38,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-12-premium-payment-in-installments"}],"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":"quote-verified","value":"Minimum entry age is 6 years for an individual policy. Children aged 3 months to 5 years can be insured under a floater plan only, and there is no restriction on maximum entry age.","display":"Minimum 6 years individually; 3 months to 5 years under floater only; no maximum entry age","note":"Maximum age for dependent children under a floater policy is 20 years.","quote":"Entry age: This Policy can be offered to an individual with minimum age of 6 years without any restriction on maximum entry age. Children between age of 3 months to 5 years can be insured under a floater plan only.","sources":[{"clause":"1","heading":"Entry age: This Policy can be offered to an individual with minimum age of 6 years","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/19956#c-1"}],"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":["Half Yearly","Quarterly","Monthly"],"display":"Half Yearly, Quarterly or Monthly instalments","note":"Annual payment is implied by non-instalment premium but not expressly listed in the cited clause.","quote":"lf the insured person has opted for Payment of Premium on an instalment basis i.e. Half Yearly, Quarterly or Monthly","sources":[{"clause":null,"heading":"12. Premium Payment in installments","page":38,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-12-premium-payment-in-installments"}],"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":["Preventive Health Check-up","Convalescence Benefit","Befit","Hospital Daily Cash","Nursing at Home","Compassionate Visit","Maternity Cover & New Born Baby Cover","Super Loyalty Bonus","Sum Insured Protector","Claim Protector","Worldwide Cover","Dependent Accommodation"],"display":"Preventive Health Check-up, Convalescence Benefit, Befit, Hospital Daily Cash, Nursing at Home, Compassionate Visit, Maternity Cover & New Born Baby Cover, Super Loyalty Bonus, Sum Insured Protector, Claim Protector, Worldwide Cover and Dependent Accommodation","note":"Some CISs describe certain optional covers as in-built for that plan.","quote":"Optional Covers available under the Policy:\nSr. no. | Optional Covers | Premium (₹) | Annual Sum Insured/limits (₹)\n1 | Preventive Health Check-up\n2 | Convalescence Benefit\n3 | Befit\n4 | Hospital Daily Cash\n5 | Nursing at Home\n6 | Compassionate Visit\n7 | Maternity Cover & New Born Baby Cover\n8 | Super Loyalty Bonus\n9 | Sum Insured Protector\n10 | Claim Protector\n11 | Worldwide Cover\n12 | Dependent Accommodation","sources":[{"clause":null,"heading":"Table of Contents","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20335#c-table-of-contents"}],"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 renewal grace period. For instalment premiums during the policy period, the insurer says it shall offer coverage during the grace period if premium is paid in instalments during the policy period.","display":"No coverage during renewal grace period; instalment-premium grace has coverage if premium is paid in instalments during the policy period","note":null,"quote":"Coverage is not available during the grace period ... Provided the insurers shall offer coverage during the grace period, if the premium is paid in instalments during the policy period.","sources":[{"clause":"Excl03(III)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-excl03-iii"},{"clause":null,"heading":"12. Premium Payment in installments","page":38,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-12-premium-payment-in-installments"}],"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. If you take a costlier room, other bills can be cut in proportion.","status":"quote-verified","value":"In-patient treatment covers room rent charges up to the annual sum insured; the CIS for Classic says hospitalisation is covered with no room rent capping.","display":"No room rent capping","note":"The no-room-rent-capping wording is from the Classic CIS.","quote":"In-patient Treatment - Covers Hospitalization for admission longer than 24 consecutive hours with no room rent capping ... We will cover the following Medical Expenses incurred in respect of Hospitalization of the Insured Person during the Policy Period, up to the Annual Sum Insured specified in the Policy Schedule against this In-Patient Care treatment:\ni) Room Rent charges","sources":[{"clause":"Row 3","heading":"Type of Insurance Product/Policy Indemnity","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/19804#c-row-3"},{"clause":"1","heading":"Inpatient Treatment","page":8,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-1"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"quote-verified","value":"The Classic CIS states no room rent capping, so no room category cap is stated for the plan.","display":"No room category cap stated; no room rent capping","note":null,"quote":"In-patient Treatment - Covers Hospitalization for admission longer than 24 consecutive hours with no room rent capping","sources":[{"clause":"Row 3","heading":"Type of Insurance Product/Policy Indemnity","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/19804#c-row-3"}],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"quote-verified","value":"ICU charges are covered under in-patient treatment up to the annual sum insured; no separate per-day ICU cap is stated.","display":"Up to Annual Sum Insured; no separate ICU cap stated","note":null,"quote":"We will cover the following Medical Expenses incurred in respect of Hospitalization of the Insured Person during the Policy Period, up to the Annual Sum Insured specified in the Policy Schedule against this In-Patient Care treatment:\ni) Room Rent charges\nii) Intensive Care Unit Charges;","sources":[{"clause":"1","heading":"Inpatient Treatment","page":8,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-1"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"quote-verified","value":"The prospectus states that if the insured is admitted in a room category higher than the one specified in the Policy Schedule, the insured bears a rateable proportion of associated medical expenses. The CIS for Classic says no room rent capping.","display":"Rateable proportion if a higher room category than specified in the Policy Schedule is used","note":"This condition is in the prospectus. Classic CIS separately states “no room rent capping”.","quote":"In case You are admitted in a room category that is higher than the one that is specified in the Policy Schedule, then You shall bear a rateable proportion of the total Associated medical expenses (including surcharges or taxes thereon) in the proportion of the difference between room rent of the entitled room category to the room rent actually incurred","sources":[{"clause":"6(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/19956#c-6-i"}],"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":"quote-verified","value":"Not applicable.","display":"Not Applicable","note":null,"quote":"Deductible\nNot Applicable","sources":[{"clause":null,"heading":"Deductible","page":5,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/19804#c-deductible"}],"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":"quote-verified","value":{"unit":"days","amount":60},"display":"60 days","note":"The policy wording says pre-hospitalisation is up to limits specified in the Policy Schedule; CISs specify 60 days.","quote":"Pre Hospitalization Medical expenses - up to 60 days period immediately before admission to a hospital (on reimbursement basis only)","sources":[{"clause":"Row 3","heading":"Type of Insurance Product/Policy Indemnity","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/19804#c-row-3"}],"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":"quote-verified","value":{"unit":"days","amount":90},"display":"90 days for Classic; 180 days for other CIS variants","note":"Classic CIS states 90 days. Classic Plus, Elite, Premiere and Royale CISs state 180 days.","quote":"Post Hospitalization Medical Expenses – up to 90 days immediately after admission to a hospital. ... Post Hospitalization Medical Expenses – up to 180 days immediately after admission to a Hospital.","sources":[{"clause":"Row 3","heading":"Type of Insurance Product/Policy Indemnity","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/19804#c-row-3"},{"clause":null,"heading":"Customer Information Sheet/ Know Your Policy","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/19799#c-customer-information-sheet-know-your-policy"}],"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":"quote-verified","value":"Day care treatment needing less than 24 hours in hospital is covered up to the annual sum insured, including but not limited to intravenous chemotherapy, radiotherapy, hemodialysis and other therapeutic procedures requiring specialised observation or medical care. OPD treatment and diagnostic services are not covered under this cover.","display":"All/including but not limited to day-care treatments; OPD and diagnostic services excluded under day-care cover","note":null,"quote":"Day Care treatment requires hospitalization as an inpatient for less than 24 hours in a Hospital. ... We will also cover Medical Expenses incurred for procedures including but not limited to intravenous chemotherapy, radiotherapy, hemodialysis or any other therapeutic procedure which requires a period of specialized observation or medical care after completion of the procedure. ... We will not cover any Out Patient Treatment or diagnostic services under this Cover.","sources":[{"clause":"2","heading":"Day Care Procedures/Treatment","page":8,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-2"}],"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":"quote-verified","value":"Domiciliary hospitalisation is covered if it continues for at least 3 consecutive days; expenses are payable from the first day. The cover has named exclusions such as asthma/bronchitis/tonsillitis/URTI, arthritis/gout/rheumatism, spine/disc ailments, liver disease, diabetes, epilepsy, hypertension and pyrexia of any origin.","display":"Covered if Domiciliary Hospitalization continues for at least 3 consecutive days","note":"The same clause lists exclusions for specified ailments including asthma/bronchitis/tonsillitis/URTI, arthritis/gout/rheumatism, spine/disc ailments, chronic nephritis, liver disease, peptic ulcer, diarrhea/dysentery/gastroenteritis, diabetes, epilepsy, hypertension and pyrexia.","quote":"We will cover the Medical Expenses incurred in respect of the Domiciliary Hospitalization of the Insured Person during the Policy Period provided that:\ni) The Domiciliary Hospitalization continues for at least 3 consecutive days in which case we will make payment under this Cover in respect of Medical Expenses incurred from the first day of Domiciliary Hospitalization.","sources":[{"clause":"11","heading":"Domiciliary Hospitalization","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-11"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"quote-verified","value":"In-patient AYUSH treatment is covered up to the annual sum insured if the insured is hospitalised for AYUSH treatment at an AYUSH Hospital or AYUSH Day Care Centre.","display":"Covered up to Annual Sum Insured at AYUSH Hospital or AYUSH Day Care Centre","note":null,"quote":"We will cover medical expenses incurred in respect of Insured Person’s AYUSH Treatment during the Policy Period up to the Annual Sum Insured specified in the Policy Schedule provided that –\ni) The Insured person is Hospitalised for AYUSH Treatment at a AYUSH Hospital or AYUSH Day Care Centre.","sources":[{"clause":"6","heading":"In Patient AYUSH Hospitalisation","page":9,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-6"}],"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":"quote-verified","value":"The policy covers listed technological advancements and treatments up to the annual sum insured, including uterine artery embolization and HIFU, immunotherapy, prostate vaporisation, stem cell therapy for bone marrow transplant for haematological conditions, balloon sinuplasty, oral chemotherapy, robotic surgeries, stereotactic radio surgeries, deep brain stimulation, intra vitreal injections, bronchial thermoplasty and IONM.","display":"Covered up to Annual Sum Insured for the listed modern treatments","note":null,"quote":"We will cover the Medical Expenses incurred in respect of Hospitalization of the Insured Person for the below mentioned Technological advancements and Treatments during the Policy Period, up to the Annual Sum Insured.\nSr. No | Treatment/Procedure\n1 | Uterine Artery Embolization and HIFU (High intensity focused ultrasound)\n2 | Immunotherapy- Monoclonal Antibody to be given as injection\n3 | Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)\n4 | Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions\n5 | Balloon Sinuplasty\n6 | Oral Chemotherapy\n7 | Robotic surgeries\n8 | Stereotactic radio Surgeries\n9 | Deep Brain stimulation\n10 | Intra vitreal injections\n11 | Bronchical Thermoplasty\n12 | IONM - (Intra Operative Neuro Monitoring)","sources":[{"clause":"3","heading":"Technological advancements and Treatments","page":9,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-3"}],"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":"quote-verified","value":"Organ donor hospitalisation expenses for harvesting an organ donated to the insured are covered up to the annual sum insured, if the donation conforms to the Transplantation of Human Organs and Tissues Act 1994 and the insurer has accepted the insured person's in-patient treatment claim. Donor pre/post-hospitalisation, screening, organ acquisition, transportation/preservation and donor complications are excluded.","display":"Covered up to Annual Sum Insured for donor in-patient harvesting expenses","note":null,"quote":"We will cover the medical expenses incurred in respect of an organ donor’s Hospitalization during the Policy Period for harvesting of the organ donated to the Insured Person up to the Annual Sum Insured specified in the Policy Schedule provided that:\ni) The organ donation conforms to the Transplantation of Human Organs and Tissues Act 1994 and the organ is used for the Insured Person\nii) We will cover only those Medical Expenses incurred in respect of an organ donor as an in-patient in the Hospital.","sources":[{"clause":"10","heading":"Donor Expenses","page":11,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-10"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Domestic road ambulance is covered; reimbursement is limited to 1% of annual sum insured up to Rs.10,000 per claim, while cashless ambulance charges are covered as per actuals. Air ambulance is covered up to the annual sum insured within India, subject to conditions.","display":"Road ambulance: 1% of Annual Sum Insured up to Rs.10,000 on reimbursement, actuals on cashless; air ambulance: up to Annual Sum Insured","note":"The optional worldwide cover has a separate road emergency ambulance limit of Rs.35,000 per hospitalisation.","quote":"Our maximum liability under this Benefit for every claim arising during the Policy Year will be restricted to 1% of the Annual Sum Insured maximum up to Rs.10,000 in case the charges of road ambulance are being reimbursed. In case the services of a health care or ambulance service provider are being availed on cashless basis, the charges of road ambulance will be covered as per actuals. ... We will cover the expenses incurred on Air Ambulance services up to the Annual Sum Insured","sources":[{"clause":"8","heading":"Domestic Road Ambulance Cover","page":10,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-8"},{"clause":"9","heading":"Air Ambulance Cover","page":11,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-9"}],"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":"quote-verified","value":"The policy resets up to 100% of annual sum insured once for the same illness/disease/injury and unlimited times for different illness/disease/injury for the same insured person in a policy year, when the annual sum insured including applicable bonuses/protector is insufficient due to previous claims. It does not trigger for the first claim, total reset cannot exceed the annual sum insured, and it is not available for relapse or related complications within 45 days for the same insured person.","display":"Reset up to 100% of Annual Sum Insured, once for same illness and unlimited times for different illness; not for first claim","note":null,"quote":"We will reset up to 100% of the Annual Sum Insured, once for same illness/disease/injury and Unlimited times for different illness/disease/injury for the same Insured Person in a Policy Year ... The Reset Benefit will not be triggered for the first claim made during the Policy Year ... The total amount of reset will not exceed the Annual Sum Insured for that Policy Year ... The Reset Benefit will not be available for an Illness /Injury or related complications including but not limited to any relapse within 45 days","sources":[{"clause":"7","heading":"Reset Benefit","page":10,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-7"}],"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":"quote-verified","value":"Loyalty Bonus increases cover by 20% of the expiring or renewed annual sum insured, whichever is lower, at the end of each policy year if continuously renewed, up to 100% of annual sum insured. It is not reduced after a claim.","display":"Loyalty Bonus 20% each year, maximum 100%, not reduced on claim","note":null,"quote":"We will provide a :Loyalty Bonus of 20% of expiring or renewed Annual Sum Insured (whichever is lower) at the end of each Policy Year if the Policy is continuously renewed with the Company. The Loyalty Bonus will not be accumulated for more than 100% of the Annual Sum Insured ... In the event of Claim, under the Policy during any subsequent Policy Year, the credited Loyalty Bonus will not be reduced.","sources":[{"clause":"14","heading":"Loyalty Bonus","page":19,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-14"},{"clause":"14(x)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-14-x"}],"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":"quote-verified","value":"Base in-patient cover includes medicines, drugs and consumables other than the non-medical excluded list. If the optional Claim Protector is in force and an inpatient or daycare claim is accepted, the listed non-payable items related to that claim become payable up to the annual sum insured.","display":"Base covers consumables except listed non-medical items; optional Claim Protector pays listed non-payables up to Annual Sum Insured","note":"Claim Protector is an optional cover and is not part of the base answer unless opted.","quote":"Anaesthesia, blood, oxygen, operation theatre charges, medicines, drugs and consumables (other than those specified in the list of excluded expenses (non-medical) in Annexure I) ... If a claim has been accepted under the “Inpatient Treatment” or “Daycare Procedure/Treaments” Cover, the items which are included in the List of Excluded items ... which are non – payable, to the particular claim, will become payable. The maximum claim payout under this Cover shall be limited to Annual Sum Insured under the Policy.","sources":[{"clause":"1","heading":"Inpatient Treatment","page":8,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-1"},{"clause":null,"heading":"10. Claim Protector","page":28,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-10-claim-protector"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"quote-verified","value":"Maternity is an optional cover. It covers delivery including caesarean section, pre-natal and post-natal expenses, or lawful medical termination of pregnancy up to policy-schedule limits, limited to 2 deliveries/terminations, after 24/36 months of continuous coverage depending on the plan; it is available only under a family floater policy covering both spouses.","display":"Optional; limits as per schedule; 2 deliveries/terminations; waiting 24/36 months as per plan; family floater only","note":"CIS variants show 36 months for Classic, Classic Plus, Elite and Royale, and 24 months for Premiere.","quote":"We will cover the Medical Expenses incurred for delivery of a child, including a caesarean section, during Hospitalization and Pre-natal and post- natal expenses or lawful medical termination of pregnancy during the Policy Year maximum up to the limits as specified in the Policy Schedule.\nThe cover shall be limited to 2 deliveries/ terminations ... The Cover shall be available after 24/36 months (as per the plan opted) ... This Cover is available only under a family floater Policy","sources":[{"clause":"17(I)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-17-i-2"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"quote-verified","value":"New Born Baby Cover is provided only if Maternity Cover applies. It covers hospitalisation medical expenses for the newborn for up to 90 days from birth, subject to schedule limits.","display":"Covered only if Maternity Cover applies; hospitalisation expenses up to 90 days from birth","note":null,"quote":"New Born Baby Cover We will cover the Medical Expenses incurred by You on Hospitalization of a “New born Baby” during each Policy Year of Policy Period subject to the limits as specified in the Policy Schedule. This Cover will be provided only if Maternity Cover is applicable to You.\nThis Cover will cover Medical Expenses incurred on the “New born Baby” during Hospitalization (for a minimum period of consecutive 24 hours) for a maximum period up to 90 days from the date of birth of the baby","sources":[{"clause":"17(II)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-17-ii-2"}],"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":"quote-verified","value":"Preventive Health Check-up is an optional cover in the policy wording. Insured persons aged 21 years and above can avail it at network or empanelled health service providers, on cashless basis, once per policy year per insured person, with a maximum of 2 coupons per policy year for a floater policy.","display":"Optional Preventive Health Check-up: age 21+, cashless, once per policy year per insured, max 2 coupons for floater","note":"Some plan CISs describe preventive health check-up as in-built in the plan.","quote":"Insured Person(s) aged 21 years and above can avail a Preventive Health Check-up as per eligibility under the plan opted only at our Network Providers or empaneled Health Service Providers anytime during the Policy Period ... This Cover can be availed only on Cashless basis and is limited to once per Policy Year per Insured Person. o Maximum of 2 Preventive Health Check-up coupons shall be provided per Policy Year for a floater Policy","sources":[{"clause":null,"heading":"1. Preventive Health Check-up","page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-1-preventive-health-check-up"}],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"quote-verified","value":"OPD is not covered under the base day-care cover. The optional BeFit cover can provide outpatient consultation, routine diagnostics/minor procedures, pharmacy, physiotherapy, e-counselling and diet/nutrition e-consultation on cashless basis via the mobile application, subject to the plan limits.","display":"No base OPD under day-care; optional BeFit covers OPD services on cashless basis via mobile app","note":"BeFit is optional unless built into the chosen plan.","quote":"We will not cover any Out Patient Treatment or diagnostic services under this Cover. ... All benefits under the BeFit cover can be availed only on cashless basis via our mobile application ... Physical Consultations ... Routine Diagnostic and Minor Procedure Cover ... Pharmacy ... Physiotherapy Session ... e-Counseling ... Diet and Nutrition e-Consultation","sources":[{"clause":"2","heading":"Day Care Procedures/Treatment","page":8,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-2"},{"clause":null,"heading":"3. BeFit","page":22,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-3-befit"},{"clause":"17(i)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-17-i"},{"clause":"17(ii)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-17-ii"},{"clause":"17(iii)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-17-iii"},{"clause":"17(iv)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-17-iv"},{"clause":"17(v)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-17-v"},{"clause":"17(vi)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-17-vi"}],"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":"quote-verified","value":"Cashless treatment is available only at a Network Provider. For cashless hospitalisation, the insured must produce the health card or provide policy number and ID proof so the hospital can coordinate with the claim team.","display":"Cashless treatment available at Network Providers","note":null,"quote":"Cashless treatment is only available at a Network Provider (List of Network Providers is available at our website). ... To avail of Cashless Hospitalisation facility, you are required to produce the health card, as provided to You with this Policy ... Or You can seek pre authorization by providing Your Policy number and ID proof to the hospital who can co-ordinate with Our claim team to provide cashless facility.","sources":[{"clause":null,"heading":"1 CLAIMS PROCEDURE","page":46,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-1-claims-procedure"},{"clause":"5(i)","heading":null,"page":47,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-5-i"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claims are handled by ICICI Lombard or its in-house claim processing team.","display":"The Company or Our in house claim processing team","note":null,"quote":"You must contact the Company or Our in house claim processing team ... You shall give notice to Us or Our In house claim processing team","sources":[{"clause":"5(i)","heading":null,"page":47,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647#c-5-i"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Yes, floater cover is available for the immediate family under one sum insured","note":null,"quote":"You can avail a floater cover and get Your immediate family covered for the same sum insured under a single Policy by paying one premium amount.","sources":[{"clause":"3","heading":"Number of members","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/19956#c-3"}],"law":[]}],"documents":[{"kind":"wording","label":"Health Shield 360 Retail_ICIHLIP25037V022425","pages":56,"fetched_at":"2026-10-20 02:32:29+00","source_url":"https://www.icicilombard.com/docs/default-source/policy-wordings-product-brochure/health-shield-360-retail_icihlip23165v012223_policy-wording.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20335"},{"kind":"wording","label":"Health shield 360 Retail_ICIHLIP25037V022425","pages":50,"fetched_at":"2026-10-20 02:47:31+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/health-shield-360-retail_pw8c0007ff45fd68ff8a0df0055fa76281.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/20647"},{"kind":"prospectus","label":"Health Shield 360 Retail","pages":25,"fetched_at":"2026-10-20 02:05:34+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/health-shield-360-retail-annexure-ii---prospectus-sales-literature.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/19956"},{"kind":"cis","label":"CIS HS 360 Retail Classic Plus","pages":13,"fetched_at":"2026-10-20 01:52:51+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/hs-360-retail-classic-plus.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/19799"},{"kind":"cis","label":"CIS HS 360 Retail Classic","pages":9,"fetched_at":"2026-10-20 01:53:09+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/hs-360-retail-classic.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/19804"},{"kind":"cis","label":"CIS HS 360 Retail Elite","pages":15,"fetched_at":"2026-10-20 01:53:27+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/hs360-retail-elite-plan-cis.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/19809"},{"kind":"cis","label":"CIS HS360 Retail Premiere","pages":10,"fetched_at":"2026-10-20 01:53:45+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/hs360-retail-premiere.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/19813"},{"kind":"cis","label":"CIS HS360 Retail Royale","pages":12,"fetched_at":"2026-10-20 01:54:03+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/hs360-retail-royale.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/19819"},{"kind":"premium","label":"Health Shield 360 Retail Classic (Base)_Ratechart_ ICIHLIP25037V022425","pages":null,"fetched_at":"2026-10-20 02:08:16+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/health-shield-360-retail_classic-plan-(base).pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/19640"},{"kind":"premium","label":"Health Shield 360 Retail Classic Plus_Ratechart_ ICIHLIP25037V022425","pages":null,"fetched_at":"2026-10-20 02:08:30+00","source_url":"https://www.icicilombard.com/docs/default-source/downloads/health-shield-360-retail_classic-plus-rate-chart.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/19641"},{"kind":"premium","label":"Health Shield 360 Retail Royale_Ratechart_ ICIHLIP25037V022425","pages":null,"fetched_at":"2026-10-20 02:09:12+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/health-shield-360-retail1_royale-rate-chart.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/19644"},{"kind":"premium","label":"Health Shield 360 Retail Elite_Ratechart_ ICIHLIP25037V022425","pages":null,"fetched_at":"2026-10-20 02:09:40+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/health-shield-360-retail_elite-rate-chart.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/19646"},{"kind":"premium","label":"Health Shield 360 Retail Premier_Ratechart_ ICIHLIP25037V022425","pages":null,"fetched_at":"2026-10-20 02:09:54+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/health-shield-360-retail_premier-rate-chart8c0007ff45fd68ff8a0df0055f9fdad1.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425/document/19647"}],"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":"Health Shield 360 Retail Classic (Base)_Ratechart_ ICIHLIP25037V022425 (UIN ICIHLIP25037V022425), IndiaInsurances, https://indiainsurances.com/policy/icici-lombard-general-insurance/health-shield-360-retail-classic-base-ratechart-icihlip25037v022425-icihlip25037v022425"}