ICICI Lombard Family Shield Plan

The ICICI Lombard Family Shield Plan is meant to be taken by families that do not just need hospitalization insurance but more than that. It is a flexible health insurance product whereby you can choose the kind of cover your household requires including accident benefits, daily hospital cash, infectious disease cover and so on. This plan is unique in its design being both comprehensive and flexible, and that popular in 2025 among those families who seek customized health protection without the noise.

The plan is a financial tool-box and not a one-fit-all policy. It is also best suited to those who would like to have a say over what they are paying and what they are getting covered such as hospital cash cover in the case of dengue, accident death benefits or educational grant to children in the event of mishap.

What is the ICICI Lombard family Shield cover?

Family Shield is a benefits plan, whereby you have the freedom to select particular covers in particular situations. These may be either vector borne diseases, injury, hospital cash, or catastrophic accidents. Unlike the traditional indemnity plans, the benefits are separate with the sum insured and operate separately. This organization form makes it more flexible and transparent.

It is more effective when purchased to complement your current policy or employer insurance, covering the gaps that otherwise traditional health insurance will fail to cover, i.e., loss of income, minor injuries, or educational costs of dependants in the event of your being unable to work.

Plan Options in Family Shield

You can alter the amount covered and benefits depending on your budget and stage of life. This is the flexibility that makes the Family Shield to be suitable to families who have dynamic needs.

Key Features of ICICI Family Shield Plan

• Benefits based structure and individual sum insured of each section.
• There is an option of covering accidental death and partial as well as total disablement, and hospital daily cash.
• Offers disease specific payment on common vectors borne diseases and viral infections.
• The pay out of claims is done in lump form which may be used in whatever way the insured so desires.
• It does not affect other benefits when claimed.
• The coverage extends until noticed not all over the world as stated in your policy certificate.

Professional Advice A fixed-benefit plan such as Family Shield plan comes in handy when your employer group policy has restrictions. This also offers you additional protection without duplication.

Benefits of ICICI Family Shield Plan

• Global coverage means that there is no stress when traveling both locally and abroad.
• Children education grant and parental care benefit will cover the future of your family in case of accident.
• Adventure sports cover is an excellent value-add to people who have an active lifestyle.
• The accident benefit structure comprises mental health and career rehabilitation benefits.

Did You Know: The plan even covers the expenses of hiring a taxi/chauffer in case you may not be able to drive temporarily, say when you are out of the city due to accident or some injury.

Inclusions in the ICICI Family Shield Plan

• The hospital daily cash at general and ICU stay.
• The cost of ambulance (air ambulance where given).
• Conditions such as dengue, hepatitis and viral flu have a fixed sum of payout.
• Death and permanent total disablement as a result of accidents.
• Grants on education and skill building to children.
• Network non-hospital emergency costs that involve life-threatening illnesses.

Real Use Top: You must save your e-policy and IL TakeCare App in your mobile to receive claim intimation and hospital network information faster in case of emergence.

Exclusions of Family Shield Plan

• Unnecessary cosmetic or plastic surgery except in case of accidents.
• Preexisting conditions unless indicated with a waiting period.
• The involvement in professional adventure sport is not counted.
• Fertility treatment, maternity and pregnancy.
• Intoxication, self injuries or criminal injuries.
• Experimental methods, or methods that have not been proven.
• Routine eye, dental, and health check- up.

Ho to Purchase the Family Shield Plan with Fincover?

1. Go to the Fincover and click on the ICICI Lombard family shield.
2. Choose such benefits as hospital cash, accident protection, and disease payouts using the smart policy builder.
3. Change the amount of sum insured, and get the quick comparison of the premiums.
4. Upload your KYC and send to payment.
5. Get your e-policy within few minutes and get services through the ICICI IL TakeCare App.

Pro Tip: There are many configurations to this plan which are also comparable using Fincover filter options. This will make sure that you obtain the right amount of coverage that your family will need, and that is it.

Cancellation and refund policy

• 15 days free-look period with the full refund in case of no claims.
• The policy tenure and time of cancellation are considered to get refund on cancellation.
• No refund in case a claim is made.
• Request of cancellation has to be in writing.
• In case of long-term policies, refunds may go as high as 80 percent and as low as 5 percent depending on when the policy is canceled.

FAQ on ICICI Family Shield Plan

1.Besides, can I include more benefits in the future?

It is only during renewal that one can adjust his or her selected benefits and sum insured halfway through the policy.

2.What is its age limit?
The age of entry is dependent on the benefit; ranging between 18 and 65 years largely. Children up to 25 years can be covered.

3.Is it necessary to do medical check-up?
Not essential mostly in people who are less than 55 years old taking standard sum insured. Increased cover may involve medicals.

4.Is this the only insurance that I can purchase?
It should be taken as an addition. Base indemnity health policy is also advisable to cover the bills of the whole hospital.

5.Does it provide accidental death at foreign countries?
Yes, the plan offers world wide accident cover as long as it is not mentioned in your policy document.