Golden Shield Plan
  • Care Management Program
  • 50 L SI Available
  • Co-Pay Modification
Golden Shield Plan
Network hospitals

Network hospitals

10800+

Incurred claim ratio

Incurred claim ratio

98.53%

Sum insured

Sum insured

Up to 2 Crores

No. of Plans

No. of Plans

1

Solvency Ratio

Solvency Ratio

2.5

Pan India Presence

Pan India Presence

312+

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Age of Eldest Member

Golden Shield Plan

Golden Shield Plan by ICICI Lombard is designed especially for senior citizens and to cater to all their health care needs. With growing age, the human body is prone to illnesses and diseases which is why it is essential to provide the best medical care needed. Keeping senior citizens in mind, ICICI Lombard Golden Shield Plan was designed for individuals aged 56 years and above. Like all healthcare plans, Golden Shield by ICICI Lombard covers unpredicted medical emergencies and hospitalization expenses. The plan offers a high sum insured with various features included in the policy:

  • Reset Benefit
  • Coverage for ambulance
  • Cashless Hospitalization
  • Care Management Program
  • AYUSH Treatments, and more.

ICICI Lombard Golden Shield also provides insured individuals with optional coverage features like a claim protector, modification of base co-payment, and voluntary deductibles. To understand more about the plan read the article thoroughly.

Golden Shield Plan Specifications

To understand Golden Shield Plan Insurance in detail, take a look at the below table:

Entry Age

Min- 56 years, Max- No Limit

Policy Type

Senior Citizen Health Insurance

Sum Insured

5 L | 10 L | 20 L | 30 L | 40 L | 50 L

Initial Waiting Period*

30 Days Days

Renewability

Lifelong

Policy Term

1/2/3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

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Choose Your Golden Shield Plan

With wide coverage options available, Golden Shield Plan Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Covered

Daycare Treatment

Covered

OPD Charges

Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Covered

Automatic Restoration

Covered

Daily Hospital Cash

Not Covered

Organ Donor

Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Covered

Health Check-Up

Covered

Second Medical Opinion

Covered

Vaccination

Not Covered

Limitations

Co-payment

Covered

Sub-limits

Not Covered

What is Room Rent?

The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).

What are ICU Charges?

It is a special hospital department where patients with serious medical conditions are treated.

What is Pre Hospitalization?

Medical expenses incurred before hospitalisation of the policyholder.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

What is Domiciliary Hospitalization?

Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.

What is Daycare Treatment?

Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .

What is COVID-19 Treatment?

It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.

What is Automatic Restoration?

It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.

What is Daily Hospital Cash?

Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section deliveries.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Daycare treatment
What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)
What is a Modern Treatment?

Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

What is Compassionate Travel?

Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.

What is E-Consultation?

If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.

What is Co-payment?

In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.

ICICI Lombard Golden Shield Plan

When purchasing the Golden Shield by ICICI Lombard insured individuals are entitled to a plethora of benefits as mentioned in the policy schedule. We are listing down a few for a better understanding:

  • Care Management Program

    An optional feature included within the Golden Shield Plan by ICICI Lombard wherein the policyholder gets benefits like teleconsultations, e-counseling, care calls, health assistance, discounts on services/products, goal-based incentives, and many more such benefits.

  • Claim Protector Benefit

    Under the claim protector benefit, if a claim has been accepted under the inpatient hospitalization cover, then the items that are not payable under the claim as per the list of excluded items released by IRDAI that are related to the particular claim will become payable.

  • Voluntary Deductibles

    When this add-on benefit is opted for the deductible will be applicable on an aggregate basis for all hospitalization expenses during the policy year. The voluntary deductible option available will be 20% of the annual sum insured opted.

  • Reset Benefit

    Insured individuals can avail of a reset of the annual sum insured up to 100% of the annual sum insured unlimited times for all future claims within the same policy year not related to the illness/disease/injury for which a claim has been paid for the same insured person.

  • Tax Benefits

    Premiums paid towards the ICICI Lombard Golden Shield Plan are eligible for tax benefits as per the Income Tax Act of 1961.

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ICICI Lombard Golden Shield Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under the ICICI Lombard Golden Shield policy are mentioned below:

Obesity and weight management surgeries

Change of gender treatments

Cosmetic or plastic surgeries

Treatments due to substance abuse

Sterility and Infertility- related treatments

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details given below in order to understand the same:

Pre-Existing Diseases 48 Months

Listed Ailments 48 Months

Conclusion

In your senior years, it is imperative that you take better care of your health and wellness in order to live a long, fulfilling life. However, emergency medical expenses and complications sometimes arise without a warning. Golden Shield Plan by ICICI Lombard offers multiple health care features making sure that insured individuals have access to efficient medical care. With features like a care management program, air ambulance, a high sum insured ranging up to INR 50 Lakhs, and a co-pay reduction option the plan is an ideal plan for senior citizens.

Explore other ICICI Lombard Health Insurance

To cater to the different medical needs of an individual & their family, ICICI Lombard Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to ICICI Lombard Health Insurance plans explore more:

Individual and Family Health Insurance

AdvantEdge Plan

AdvantEdge Plan

ICICI Lombard Health AdvantEdge plan is a comprehensive health insurance plan designed to cater to all your health care needs. A family health insuran...

Unique Features

  • Global Cover
  • SI Upto 3 Cr
  • Air Ambulance Cover

AdvantEdge Plan (Pros)

AdvantEdge Plan
  • Restoration Benefit
  • Cumulative Bonus
  • Health Rewards
  • Domestic Air Ambulance

AdvantEdge Plan (Cons)

AdvantEdge Plan
  • OPD Cover
  • Second medical opinion
  • Modern treatment
  • IVF treatment cover

AdvantEdge Plan (Other Benefits)

AdvantEdge Plan
  • New Born Cover
  • Vaccine Cover
  • Maternity Cover
  • PED Cover
  • Personal Accident Cover

AdvantEdge Plan (Eligibility Criteria)

AdvantEdge Plan
  • Entry Age: 18 - 65 years
  • SI: 5 L to 3 Cr
  • Initial waiting period: 30 days

Accident Health Insurance

Personal Protect Policy

Personal Protect Policy

ICICI Lombard Personal Protect Policy is a comprehensive health insurance policy that offers an array of benefits and extensions to safeguard the insu...

Unique Features

  • Accidental Death Benefit
  • Acts Of Terrorism Cover
  • Life Long Renewal

Personal Protect Policy (Pros)

Personal Protect Policy
  • Accidental Death
  • Permanent Total Disablement Benefit
  • Hospital Daily Allowance

Personal Protect Policy (Cons)

Personal Protect Policy
  • Illegal activities
  • Adventure sports
  • Obesity

Personal Protect Policy (Other Benefits)

Personal Protect Policy
  • Operational Coverage
  • Accidental Hospitalization
  • Hospital Daily Allowance

Personal Protect Policy (Eligibility Criteria)

Personal Protect Policy
  • Min entry age: 18 Years
  • Max entry age: 80 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 25 L

Senior Citizen Health Insurance

Golden Shield Plan

Golden Shield Plan

Golden Shield Plan by ICICI Lombard is designed especially for senior citizens and to cater to all their health care needs. With growing age, the huma...

Unique Features

  • Care Management Program
  • 50 L SI Available
  • Co-Pay Modification

Golden Shield Plan (Pros)

Golden Shield Plan
  • Reset Benefit
  • Coverage for Ambulance
  • Cashless Hospitalization

Golden Shield Plan (Cons)

Golden Shield Plan
  • Maternity cover
  • New born cover
  • Daily hospital cash

Golden Shield Plan (Other Benefits)

Golden Shield Plan
  • Care Management Program
  • AYUSH Treatments
  • Claim Protector

Golden Shield Plan (Eligibility Criteria)

Golden Shield Plan
  • Entry age: 56 years to no maximum limit
  • Sum insured: 5 to 50 Lakhs
  • Initial waiting period: 30 days

Individual and Family Health Insurance

Arogya Sanjeevani Policy

Arogya Sanjeevani Policy

ICICI Lombard Arogya Sanjeevani is a versatile plan that pays for your medical bills in case of hospitalization. If you are looking for a health plan ...

Unique Features

  • COVID-19 Cover
  • Ambulance Cover
  • Affordable Plan

Arogya Sanjeevani Policy (Pros)

Arogya Sanjeevani Policy
  • Cumulative bonus
  • Cataract treatment covered
  • Modern procedures covered
  • Intensive cardiac care charges

Arogya Sanjeevani Policy (Cons)

Arogya Sanjeevani Policy
  • No eyesight correction expenses
  • Fertility expenses not covered
  • Nursing expenses not covered
  • Nursing at home not covered
  • OPD expenses not covered

Arogya Sanjeevani Policy (Other Benefits)

Arogya Sanjeevani Policy
  • Floater benefit
  • Pre-existing diseases after 4 years
  • In-patient AYUSH treatment
  • Day care procedures

Arogya Sanjeevani Policy (Eligibility Criteria)

Arogya Sanjeevani Policy
  • Entry age- 18 years
  • Max entry age- 65 years
  • SI- 1 L to 5 L
  • Waiting period- 30 days

Top Up and Super Top Up

Health Booster

Health Booster

ICICI Lombard Health Booster is a comprehensive super top-up health insurance plan designed to enhance your existing coverage. The policy acts as a s...

Unique Features

  • Reset Benefit
  • Top-up Plan
  • Lifetime Renewability

Health Booster (Pros)

Health Booster
  • In-patient treatment covered
  • High range of coverage
  • Flexible coverage

Health Booster (Cons)

Health Booster
  • Injury due to war
  • Cosmetic surgery
  • Aesthetics treatment

Health Booster (Other Benefits)

Health Booster
  • Reset benefit
  • Domestic road emergency
  • Pre and post-hospitalisation
  • Donor expenses

Health Booster (Eligibility Criteria)

Health Booster
  • Min entry age: 6 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 50 L

Individual and Family Health Insurance

ICICI Lombard MaxProtect Plan

ICICI Lombard MaxProtect Plan

ICICI Lombard MaxProtect health insurance plan is a multiple-benefit provider plan that comes with affordable premiums. It has two variants ie, Classi...

Unique Features

  • Up to 1 Crore SI
  • International coverage
  • Modern treatment

ICICI Lombard MaxProtect Plan (Pros)

ICICI Lombard MaxProtect Plan
  • Worldwide coverage
  • Modern-day treatment procedures
  • Reset benefits

ICICI Lombard MaxProtect Plan (Cons)

ICICI Lombard MaxProtect Plan
  • Maternity cover
  • OPD not covered
  • Daily hospital cash

ICICI Lombard MaxProtect Plan (Other Benefits)

ICICI Lombard MaxProtect Plan
  • Multi-yearPolicy discounts
  • Automatic restoration
  • Domiciliary hospitalization

ICICI Lombard MaxProtect Plan (Eligibility Criteria)

ICICI Lombard MaxProtect Plan
  • Entry age: 21 to 65 years
  • Sum Insured: Upto 1 Cr
  • Initial Waiting Period: 30 Days

Individual and Family Health Insurance

Health Shield 360

Health Shield 360

Worried about your medical expenses? Boost your healthcare experience with the ICICI Lombard Health Shield 360 insurance policy. Healthcare is one of ...

Unique Features

  • 360° wellbeing programs
  • High SI options
  • Home healthcare

Health Shield 360 (Pros)

Health Shield 360
  • Worldwide cashless facility
  • Unlimited reset cover
  • Daycare procedures

Health Shield 360 (Cons)

Health Shield 360
  • Illegal activites
  • Adventure sports
  • Drug abuse

Health Shield 360 (Other Benefits)

Health Shield 360
  • Air ambulance
  • OPD Cover
  • Additional Sum Insured

Health Shield 360 (Eligibility Criteria)

Health Shield 360
  • Min entry age: 21 Years
  • Max entry age: 75 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 1 Cr

Individual and Family Health Insurance

Complete Health Insurance

Complete Health Insurance

Customize your ICICI Lombard Complete Health Plan with 4 available variants ICICI Lombard Complete Health Insurance is a comprehensive health ins...

Unique Features

  • Wellness Program
  • Maternity & Newborn Cover
  • Riders Available

Complete Health Insurance (Pros)

Complete Health Insurance
  • Critical Illness cover
  • AYUSH treatment covered
  • Ambulance coverage
  • E-consultation

Complete Health Insurance (Cons)

Complete Health Insurance
  • Vaccination not covered
  • IVF Treatment
  • Modern treatment
  • Air ambulance

Complete Health Insurance (Other Benefits)

Complete Health Insurance
  • Cataract
  • Daily hospital cash
  • Organ donor

Complete Health Insurance (Eligibility Criteria)

Complete Health Insurance
  • Min entry age: 3 months
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 50 L

Group Health Insurance

Group Health Insurance

Group Health Insurance

ICICI Lombard Group insurance is a type of insurance plan that covers many people in the same proximity, for example, employee-employer, bank customer...

Unique Features

  • Large Sum Insured
  • Daycare Treatment
  • Floater Benefit

Group Health Insurance (Pros)

Group Health Insurance
  • Tax benefit
  • Less waiting period
  • Hospital coverage
  • Wide range coverage

Group Health Insurance (Cons)

Group Health Insurance
  • Pre-existing diseases
  • Hazardous or adventure sports

Group Health Insurance (Other Benefits)

Group Health Insurance
  • Cashless benefit
  • Day care treatment
  • Floater benefit

Group Health Insurance (Eligibility Criteria)

Group Health Insurance
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 50 L

ICICI Lombard Golden Shield Plan: FAQs

1. What are the eligibility criteria for the ICICI Lombard Golden Shield Plan?

The plan is available to insured individuals over the age of 56 years without any upper limit to the entry age.

2. What are the sum insured options available under the ICICI Lombard Golden Shield Plan?

The sum insured options available under the ICICI Golden Shield Plan range between INR 5 lakhs and 50 Lakhs.

3. Who can be covered under the Golden Shield Plan by ICICI Lombard?

The ICICI Lombard Golden Shield Plan can cover you and your spouse under a single cover.

4. What is the co-pay reduction option under the ICICI Lombard Golden Shield Plan?

The modification of co-payment is a feature that allows insured individuals to reduce the base co-pay from 50% 40 or 30, or 20%.

5. Can ICICI Lombard Golden Shield Plan avail tax benefits?

Yes, ICICI Lombard Golden Shield Plan is eligible for tax benefits as per the Income Tax Laws of India. All the premiums paid towards the insurance plan are eligible for tax benefits.

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Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.

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