{"uin":"ICIHLIP25042V022425","name":"CIS Golden Shield","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425","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-senior","category_name":"Senior citizen health","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Golden Shield is a senior health insurance policy with entry from age 56 years and no maximum entry age. It offers policy tenures of one, two or three years, sum insured options from ₹ 3,00,000 to ₹ 50,00,000, a 50% base co-payment and India-only treatment cover.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:27:28.838498+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":["Golden Shield Essentia Plan"],"display":"Golden Shield Essentia Plan","note":"The policy wording does not otherwise set out named plan variants; this named plan appears in the prospectus benefit illustration.","quote":"Benefit Illustration (Golden Shield Essentia Plan)","sources":[{"clause":null,"heading":"ICICI Lombard General Insurance Company Limited","page":30,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/19946#c-icici-lombard-general-insurance-company-limited-30"}],"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":"One year, two years or three years.","display":"one year or two years or three years","note":"From the prospectus.","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/cis-golden-shield-icihlip25042v022425/document/19946#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 a planned hospitalisation and within 24 hours of hospitalisation in an emergency. For reimbursement, the insurer must be notified immediately and in any event within 10 days of hospitalisation.","display":"Cashless: 48 hours before planned hospitalisation, within 24 hours in emergency; reimbursement: immediately and within 10 days of hospitalisation","note":null,"quote":"You must request preauthorization at least 48 hours before a planned Hospitalization and in case of an emergency situation, within 24 hours of Hospitalization. ... The above information needs to be provided to Us or Our in house claim processing team immediately and in any event within 10 days of Hospitalization","sources":[{"clause":"Row 19(d)(i)","heading":null,"page":65,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-row-19-d-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 Hospitalization in non-Accident cases","Any other document as required by Us or Our TPA to investigate the Claim or Our obligation to make payment for it"],"display":"Claim form, original bills and 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":"1.2 CLAIM DOCUMENTS You shall be required to furnish the following documents for or in support of a Claim: i. Duly completed Claim form signed by You and the Medical Practitioner. The claim form can be downloaded from our website www.icicilombard.com ii. Original bills, receipts and discharge certificate/ card from the Hospital/ Medical Practitioner iii. Original bills from chemists supported by proper prescription. ... iv) Original investigation test reports and payment receipts. ... v) Indoor case papers ... vi) Medical Practitioner's referral letter advising Hospitalization in non-Accident cases. ... vii) Any other document as required by Us or Our TPA to investigate the Claim or Our obligation to make payment for it","sources":[{"clause":"Row 19(d)(iii)","heading":null,"page":66,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-row-19-d-iii"},{"clause":"Row 19(d)(iv)","heading":null,"page":66,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-row-19-d-iv"},{"clause":"Row 19(d)(v)","heading":null,"page":66,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-row-19-d-v"},{"clause":"Row 19(d)(vi)","heading":null,"page":66,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-row-19-d-vi"},{"clause":"Row 19(d)(vii)","heading":null,"page":66,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-row-19-d-vii"}],"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 requests through empanelled network hospitals with complete documents, the insurer will respond within 1 hour and grant final authorisation within three hours of the hospital's discharge authorisation request. For reimbursement, the prospectus says the claim will be processed within 15 days of receipt of claim along with claim form.","display":"Cashless response within 1 hour and final authorisation within three hours; reimbursement within 15 days of receipt of claim with claim form","note":"The 15-day reimbursement processing time is stated in the prospectus, not in the policy wording excerpts.","quote":"We will respond within 1 hour of the actual receipt of such pre-authorization request. Further, 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.","sources":[{"clause":"Row 19(d)(i)","heading":null,"page":65,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-row-19-d-i"},{"clause":null,"heading":"Reimbursement Basis","page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/19946#c-reimbursement-basis"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Pre-existing diseases and direct complications until 24 months","Specified disease/procedure waiting period until 24 months","Hypertension, diabetes and cardiac conditions within 90 days unless pre-existing and disclosed","30-day waiting period for any illness except covered accidents","Investigation & Evaluation","Rest Cure, rehabilitation and respite care","Obesity/ Weight Control","Cosmetic or plastic Surgery","Hazardous or Adventure sports","Breach of law","Excluded Providers","Alcoholism, drug or substance abuse or any addictive condition","Treatments received in heath hydros, nature cure clinics, spas or similar establishments","Dietary supplements and substances that can be purchased without prescription","Unproven Treatments","Sterility and Infertility","Maternity"],"display":"Main exclusions include PED 24 months, specified diseases 24 months, 90-day hypertension/diabetes/cardiac exclusion, 30-day initial illness waiting period, and permanent exclusions such as investigation, rest cure, obesity, cosmetic surgery, adventure sports, breach of law, excluded providers, substance abuse, health hydros, dietary supplements, unproven treatments, infertility and maternity.","note":null,"quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with insurer. ... 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. ... 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 i) Hypertension ii) Diabetes iii) Cardiac Conditions ... 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 ... Code- Excl04: Investigation & Evaluation ... Code- Excl05: Exclusion Name: Rest Cure, rehabilitation and respite care ... Code- Excl06: Obesity/ Weight Control ... Code- Excl08: Cosmetic or plastic Surgery ... Code- Excl09: Hazardous or Adventure sports ... Code- Excl10: Breach of law ... Code- Excl11: Excluded Providers ... Code- Excl12: Treatment for, Alcoholism, drug or substance abuse or any addictive condition ... Code- Excl13: Treatments received in heath hydros, nature cure clinics, spas or similar establishments ... Code- Excl14: Dietary supplements and substances that can be purchased without prescription ... Code- Excl16: Unproven Treatments ... Code- Excl17: Sterility and Infertility ... Code- Excl18: Maternity","sources":[{"clause":"Excl01","heading":"Standard exclusions Code- Excl01: Pre-Existing Diseases","page":41,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-excl01"},{"clause":"Excl02","heading":"Code- Excl02: Specified disease/procedure waiting period","page":41,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-excl02"},{"clause":null,"heading":"ICICI Lombard General Insurance Company Limited","page":42,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-icici-lombard-general-insurance-company-limited-42"},{"clause":null,"heading":"ICICI Lombard General Insurance Company Limited","page":43,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-icici-lombard-general-insurance-company-limited-43"},{"clause":"Excl03(b)(iv)","heading":null,"page":45,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-excl03-b-iv"},{"clause":"Excl03(b)(v)","heading":"Code- Excl09","page":45,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-excl03-b-v"},{"clause":"Excl03(b)(vi)","heading":"Code- Excl10","page":45,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-excl03-b-vi"},{"clause":"Excl03(b)(vii)","heading":"Code- Excl11","page":45,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-excl03-b-vii"},{"clause":"Excl03(b)(viii)","heading":"Code- Excl12","page":45,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-excl03-b-viii"},{"clause":"Excl03(b)(ix)","heading":"Code- Excl13","page":45,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-excl03-b-ix"},{"clause":"Excl03(b)(x)","heading":"Code- Excl14","page":46,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-excl03-b-x"},{"clause":"Excl03(b)(xii)","heading":"Code- Excl16","page":46,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-excl03-b-xii"},{"clause":"Excl03(b)(xiii)","heading":"Code- Excl17","page":46,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-excl03-b-xiii"},{"clause":"Excl03(b)(xiv)","heading":"Code- Excl18","page":46,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-excl03-b-xiv"}],"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 or address, or approach the grievance cell at any company branch. If not satisfied, contact the company grievance redressal officer before approaching IRDAI or the Insurance Ombudsman.","display":"Contact ICICI Lombard first; then branch grievance cell or Grievance Redressal Officer","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 ICICI Lombard General Insurance Co. Ltd. Ground floor- Interface 11, Sixth floor- Interface 16 , Office no 601 & 602, New linking Road, Malad (West), Mumbai – 400064 ... 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","sources":[{"clause":null,"heading":"15. Redressal of Grievances","page":53,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#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 selectable annual sum insured amounts shown are ₹ 3,00,000, ₹ 4,00,000, ₹ 5,00,000, ₹ 10,00,000, ₹ 15,00,000, ₹ 20,00,000, ₹ 25,00,000 and ₹ 50,00,000.","display":"₹ 3,00,000, ₹ 4,00,000, ₹ 5,00,000, ₹ 10,00,000, ₹ 15,00,000, ₹ 20,00,000, ₹ 25,00,000 and ₹ 50,00,000","note":"From the prospectus. The table prints the last option as 5000000.","quote":"Annual sum insured: This denotes the maximum amount of cover available to You for a Policy Period of one year. Minimum Sum Insured: ₹ 3,00,000 Maximum Sum Insured: ₹ 50,00,000 ... Sum Insured (In Rs) | 3,00,000 | 4,00,000 | 5,00,000 | 10,00,000 | 15,00,000 | 20,00,000 | 25,00,000 | 5000000","sources":[{"clause":null,"heading":"Salient features","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/19946#c-salient-features"},{"clause":null,"heading":"Technological advancements and Treatments Limit per person per policy period (In Rs)","page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/19946#c-technological-advancements-and-treatments-limit"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Does not apply to covered accident claims and does not apply after more than twelve months of continuous coverage.","quote":"Code- Excl03: 30-day waiting period ... 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","heading":"Code- Excl03: 30-day waiting period","page":43,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-excl03"},{"clause":null,"heading":"ICICI Lombard General Insurance Company Limited","page":43,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-icici-lombard-general-insurance-company-limited-43"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":"For enhanced sum insured, the exclusion applies afresh to the increased amount; portability credit can reduce it.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with insurer.","sources":[{"clause":"Excl01","heading":"Standard exclusions Code- Excl01: Pre-Existing Diseases","page":41,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-excl01"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":"Hypertension, diabetes and cardiac conditions have a 90-day exclusion unless pre-existing and disclosed at underwriting; the 24-month list does not apply to accident claims.","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. ... 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","sources":[{"clause":"Excl02","heading":"Code- Excl02: Specified disease/procedure waiting period","page":41,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-excl02"},{"clause":null,"heading":"ICICI Lombard General Insurance Company Limited","page":42,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-icici-lombard-general-insurance-company-limited-42"}],"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":["Deviated Nasal Septum","CSOM-Chronic Suppurative Otitis Media","Septoplasty","Mastoidectomy","Tympanoplasty, Myringotomy & Myringoplasty","Any treatment for conditions related to tonsils, adenoids, sinuses, Turbinates/ concha","Fibroids (fibromyoma)","Dilatation and curettage (D&C)","Endometriosis, Cervicitis","Myomectomy","Uterine Prolapse","Hysterectomy (unless due to malignancy)","Dysfunctional uterine bleeding","Polycystic Ovarian Syndrome(PCOS)","Arthritis","Surgeries for joint replacements","Gout and Rheumatism","Repairs/ reconstruction of ligaments/ meniscus/ tendons","Spinal and Vertebral Disorders including diagnosis as low back ache","Spinal & Vertebral Surgeries","Arthroscopy","Stones in gall bladder & Biliary System, cholecystitis, acalculous cholecystitis","Cholecystectomy, Procedures for biliary stones","Fissure/fistula in anus, hemorrhoids, pilonidal sinus","Endoscopy","Esophageal Varices & Gastric Varices","Procedures for Esophageal Varices & Gastric Varices","All types Hernia","Gastrointestinal ulcers including Gastritis & Duodenitis/ Erosions of gastrointestinal tract","All forms of Liver cirrhosis","Stones in Urinary system","Surgeries and procedures related to Stones in Urinary system","Benign Hyperplasia of prostate","Prostatic Surgeries","Chronic Renal Failure or end stage Renal Failure or chronic kidney disease including dialysis","Dialysis but not limited to haemodialysis & peritoneal dialysis","Hydrocele, varicocele/ rectocele/ Spermatocele","Cataract","Retinal detachment","Glaucoma","Usage of intra vitreal injections including but not limited to avastin & lucentis","All internal/ external tumors, cysts, nodules, polyps, sinus, fistula","Any transplant and related Surgery","Varicose veins & Varicose ulcers","Parkinson’s disease, Alzheimer’s disease","Hypertension","Diabetes","Cardiac Conditions"],"display":"Listed ENT, gynaecological, orthopaedic, gastrointestinal, uro-genital, eye and other general conditions/procedures, plus hypertension, diabetes and cardiac conditions","note":null,"quote":"Deviated Nasal Septum | Septoplasty CSOM-Chronic Suppurative Otitis Media | Mastoidectomy ... Tympanoplasty, Myringotomy & Myringoplasty ... Any treatment for conditions related to tonsils, adenoids, sinuses, Turbinates/ concha ... Fibroids (fibromyoma) | Dilatation and curettage (D&C) ... Arthritis | Surgeries for joint replacements ... Stones in gall bladder & Biliary System, cholecystitis, acalculous cholecystitis | Cholecystectomy, Procedures for biliary stones ... Benign Hyperplasia of prostate | Prostatic Surgeries ... Cataract Retinal detachment ... Glaucoma Usage of intra vitreal injections including but not limited to avastin & lucentis ... All internal/ external tumors, cysts, nodules, polyps, sinus, fistula | Any transplant and related Surgery ... Varicose veins & Varicose ulcers ... Parkinson’s disease, Alzheimer’s ... i) Hypertension ii) Diabetes iii) Cardiac Conditions","sources":[{"clause":"Row 1","heading":"ENT","page":41,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-row-1"},{"clause":"Excl02(f)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-excl02-f"},{"clause":null,"heading":"ICICI Lombard General Insurance Company Limited","page":41,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-icici-lombard-general-insurance-company-limited-41"},{"clause":null,"heading":"ICICI Lombard General Insurance Company Limited","page":42,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-icici-lombard-general-insurance-company-limited-42"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"For enhanced sum insured, sixty continuous months runs from the date of enhancement for the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the Company on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":null,"heading":"11. Moratorium Period","page":52,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#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 up to the sum insured and benefits available in the previous policy, subject to underwriting. The application must be made at least 30 days before, but not earlier than 60 days from, the renewal due date.","display":"Can port to another insurer with waiting-period credit, subject to underwriting","note":"Not applicable for enhanced sum insured.","quote":"The insured has the choice to port his / her policies from one Insurer to another. An Insured desirous of porting his/her policy to another insurer shall apply to such insurer to port the entire policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the due date for renewal. ... The insured is entitled to transfer the credits gained to the extent of the sum insured and the benefits available in the previous policy, subject to the underwriting policy of the Company","sources":[{"clause":null,"heading":"8. Portability","page":50,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#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":"From the prospectus.","quote":"Lifetime renewability: There is no maximum age limit for Renewal","sources":[{"clause":"2","heading":"Lifetime renewability: There is no maximum age limit for Renewal","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/19946#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.","display":"No loading on renewals based on individual claims experience","note":"The policy separately allows risk-based loading based on declarations and health status, not individual claims experience.","quote":"No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":null,"heading":"9. Renewal of Policy","page":50,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-9-renewal-of-policy"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"You may cancel at any time by giving 7 days' written notice. For policies up to one year, proportionate premium is refunded for the unexpired period if no claim has been made; for policies over one year, premium is refunded for unexpired policy years where risk coverage has not commenced. No refund is made if any claim has been admitted or lodged or any benefit has been availed.","display":"7 days' written notice; proportionate or unexpired-period refund if eligible; no refund if a claim is admitted/lodged or benefit availed","note":"Free-look cancellation refunds follow the separate free-look clause.","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 upto 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":49,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-6-cancellation"}],"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":"All medical treatment for this insurance must be taken in India only.","display":"India only","note":null,"quote":"All medical treatment for the purpose of this insurance will have to be taken in India only.","sources":[{"clause":"22","heading":"Territorial Limit","page":56,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-22"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Applies to new health insurance policies except those with tenure of less than a year.","quote":"Every insured of new health insurance policies, except for those policies with tenure of less than a year, shall be provided a free look period of 30 days beginning from the date of receipt of policy document, whether received electronically or otherwise","sources":[{"clause":null,"heading":"14. Free look period","page":52,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#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":30},"display":"30 days","note":"Monthly premium mode has a 15-day grace period; all other cases have 30 days.","quote":"At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy. ... 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":"9. Renewal of Policy","page":50,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-9-renewal-of-policy"},{"clause":null,"heading":"12. Premium Payment in lnstalments (Wherever applicable)","page":52,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-12-premium-payment-in-lnstalments-wherever-appli"}],"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 56 years, with no maximum entry age restriction.","display":"Minimum age 56 years; no maximum entry age","note":"From the prospectus.","quote":"Entry age: This Policy can be offered to an individual with minimum age of 56 years without any restriction on maximum entry age","sources":[{"clause":"1","heading":"Entry age: This Policy can be offered to an individual with minimum age of 56 years","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/19946#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","note":"These are the instalment premium modes expressly listed in the policy wording.","quote":"lf the insured person has opted for Payment of Premium on an instalment basis i.e. Half Yearly, Quarterly or Monthly, as mentioned in the policy Schedule/Certificate of lnsurance","sources":[{"clause":null,"heading":"12. Premium Payment in lnstalments (Wherever applicable)","page":52,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-12-premium-payment-in-lnstalments-wherever-appli"}],"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":["Claim Protector","Modification of Base Co-payment","Voluntary Deductible","Care Management Program","Care management Plus Program"],"display":"Claim Protector, Modification of Base Co-payment, Voluntary Deductible, Care Management Program, Care management Plus Program","note":null,"quote":"Optional Covers 1. Claim Protector In consideration of payment of additional premium to Us ... 2. Modification of Base Co-payment In consideration of payment of additional premium to Us ... 3. Voluntary Deductible ... 4. Care Management Program In consideration of payment of additional premium ... 5. Care management Plus Program In consideration of payment of additional premium","sources":[{"clause":null,"heading":"ICICI Lombard General Insurance Company Limited","page":25,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-icici-lombard-general-insurance-company-limited-25"},{"clause":null,"heading":"ICICI Lombard General Insurance Company Limited","page":26,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-icici-lombard-general-insurance-company-limited-26"},{"clause":null,"heading":"Terms and Conditions for Care Management Program","page":37,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-terms-and-conditions-for-care-management-program"}],"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. If premium is paid in instalments during the policy period, the insurer offers coverage during the grace period.","display":"Renewal grace: coverage is not available; instalment grace: coverage offered if premium is paid","note":"Renewal grace period and instalment-premium grace period are treated differently.","quote":"At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy. Coverage is not available during the grace period ... The insurers shall offer coverage during the grace period, if the premium is paid in instalments during the policy period.","sources":[{"clause":null,"heading":"9. Renewal of Policy","page":50,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-9-renewal-of-policy"},{"clause":null,"heading":"12. Premium Payment in lnstalments (Wherever applicable)","page":52,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646#c-12-premium-payment-in-lnstalments-wherever-appli"}],"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.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments even if the sum insured is higher.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"pre_policy_checkup","label":"Medical tests before buying","section":"Eligibility","meaning":"Whether you need medical tests before the policy is issued.","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 before admission that are paid.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs after discharge that are paid.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Golden shield_ICIHLIP25042V022425","pages":78,"fetched_at":"2026-10-20 02:28:17+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/golden-shield8c0007ff45fd68ff8a0df0055fa76206.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20275"},{"kind":"wording","label":"Golden Shield","pages":71,"fetched_at":"2026-10-20 02:47:25+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/golden-shield8c0007ff45fd68ff8a0df0055fa7621c.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/20646"},{"kind":"prospectus","label":"Golden Shield","pages":31,"fetched_at":"2026-10-20 02:04:30+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/golden-shield-literature-and-prospectus.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/19946"},{"kind":"cis","label":"CIS Golden Shield","pages":15,"fetched_at":"2026-10-20 01:51:21+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/golden-shield-cis.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425/document/19778"}],"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":"CIS Golden Shield (UIN ICIHLIP25042V022425), IndiaInsurances, https://indiainsurances.com/policy/icici-lombard-general-insurance/cis-golden-shield-icihlip25042v022425"}