ICICI Lombard Women Cancer Shield Plan
In recent years, more women in India have become aware of the threat posed by cancer. Health insurance is now a crucial part of financial planning. The ICICI Lombard Women Cancer Shield Plan is specially designed to help women with financial support and peace of mind if they are diagnosed with cancer. In 2025, this plan remains one of the most trusted choices for women across the country, offering comprehensive coverage for different types of cancer at affordable rates.
Below, we explore the details, benefits, coverage, claim process, comparison with other plans, and customer reviews for the ICICI Lombard Women Cancer Shield Plan.
What is the ICICI Lombard Women Cancer Shield Plan?
ICICI Lombard Women Cancer Shield Plan is a health insurance policy focused on providing women financial protection against cancer diagnoses. It covers major female-specific cancers such as breast cancer, cervical cancer, ovarian cancer, and several others. The policy is designed to help policyholders manage hefty medical expenses during the treatment of cancer.
This plan also offers features for early-stage, major, and advanced stages of cancer, ensuring that women receive the right level of financial support throughout their treatment journey.
Key Benefits of Women Cancer Shield Plan
The ICICI Lombard Women Cancer Shield Plan is packed with useful benefits. It is meant to ease the financial load during the stressful cancer treatment period. Here are some main highlights:
- Lump sum payout on diagnosis of cancer
- Covers early, major, and advanced stages
- No hospital bills required for claim, only diagnosis report
- Coverage for multiple types of female cancers
- Fixed premium for the policy term
- Cover starts from the day after policy purchase
- Tax benefits under Section 80D in 2025
- Additional benefits like second medical opinion and wellness services
These features make the plan handy for modern women who want an easy and direct support system in times of need.
Which Cancers are Covered by this Plan in 2025?
This plan is very specific in the coverage it provides. The following is a list of cancers included in the ICICI Lombard Women Cancer Shield Plan for 2025:
- Breast cancer
- Cervical cancer
- Ovarian cancer
- Uterine cancer (endometrial)
- Fallopian tube cancer
- Vaginal cancer
- Vulvar cancer
The plan covers both early stage and advanced stages for these types of cancers. It gives a lump sum payout based on the stage at which the cancer is detected.
Who Can Buy the ICICI Lombard Women Cancer Shield Plan?
Eligibility is important when considering buying a policy. Here is who can buy this plan:
- Only women, aged between 18 to 65 years
- Can be purchased for self, wife, or mother-in-law
- Not available for men or girls under 18
This policy is suitable for working women, homemakers, senior citizens, and anyone looking to secure the health of a loved female family member.
Why Should Women Buy a Cancer Shield Plan?
Cancer rates are rising, and so are medical costs. A Cancer Shield Plan helps women in the following ways:
- Protects savings from high cancer treatment costs
- Provides cash for household expenses when regular work is not possible
- Reduces financial stress for the family
- Plans like ICICI Lombard also provide support services for mental wellbeing
Choosing a cancer plan adds an extra layer of protection over basic medical insurance, especially relevant for women with a family history or risk factors.
How Does the ICICI Lombard Women Cancer Shield Plan Work?
The plan is simple. Once you are diagnosed with a covered cancer, you get a lump sum payment from the insurer. This money can be used for any purpose like:
- Hospital bills and surgery fees
- Medicine, chemotherapy or radiation therapy
- Travelling for treatment
- Rehabilitation and recovery costs
- Regular monthly expenses
You do not need to submit proofs of hospital bills. Just submit your cancer diagnosis report and your claim is processed.
How to Apply Online for the Women Cancer Shield Plan in 2025?
Applying for the ICICI Lombard Women Cancer Shield Plan is very easy in 2025. You do not have to visit a bank or office. Here is how you can do it:
- Visit fincover.com
- Search for ‘Women Cancer Shield Plan ICICI Lombard’
- Enter your details to compare plan features and premium costs with other cancer insurance plans
- View plan details side by side and understand the best benefits
- Complete the online application form
- Upload required documents like age proof and medical reports if needed
- Make the premium payment online
- Get instant policy issuance and soft copy to your email
Using fincover.com helps you compare and choose the best plan as per your needs. It is fast, secure, and saves you both time and effort.
What is the Sum Insured and Premium for Women in 2025?
The sum insured is the total amount you will get upon a positive diagnosis. The ICICI Lombard Women Cancer Shield Plan offers various options for sum insured, commonly between Rs. 10 lakh to Rs. 50 lakh.
Premiums depend on age and sum insured. In 2025, a healthy woman aged around 30 may pay about Rs. 1,500 to Rs. 2,500 per annum for a Rs. 10 lakh cover. Premiums are higher for older ages and higher covers.
You can use fincover.com’s calculator to check exact premiums for your age and sum insured.
Waiting Periods and Exclusions
Before purchasing, be aware of waiting periods and any exclusions in the plan.
- Initial waiting period is usually 90 days after policy start
- Pre existing cancer is not covered
- No payout for non cancer illnesses or minor abnormalities
- Payout only for first diagnosis during the policy period
Always read the policy wordings to understand conditions that may affect your claim.
How to Make a Claim with ICICI Lombard Women Cancer Shield Plan
When it comes to claims, ICICI Lombard has a transparent and simple process.
Steps to file a claim:
- On cancer diagnosis, inform ICICI Lombard within 30 days
- Get the diagnosis report and required medical certificates
- Fill out the claim form available online or at branch
- Submit the documents by email or upload via website/app
- Insurer processes the claim and releases the lump sum within a few working days
There are no hospital bill requirements. Only diagnosis documents are needed. This makes it quicker and less stressful for policyholders.
Comparison Table Women Cancer Insurance Plans 2025
Let us see how ICICI Lombard compares with two other popular options for women in India.
| Feature | ICICI Lombard Women Cancer Shield | HDFC Ergo Women Cancer Plan | Star Health Star Women Care |
|---|---|---|---|
| Sum insured options | 10 to 50 lakh | 5 to 20 lakh | 1 to 25 lakh |
| Covers early and advanced | Yes | Yes | No (only advanced) |
| Lump sum payout | Yes | Yes | Yes |
| Waiting period (days) | 90 | 90 | 180 |
| Wellness features | Yes | No | Yes |
| Premium (approx age 30 10L) | Rs 1,800 | Rs 2,200 | Rs 2,400 |
| Easy online apply | Yes fincover.com | Yes | Yes |
| Claim settlement | Quick and easy | Moderate | Good |
Customer Stories and Reviews 2025
Many users have shared positive experiences with the ICICI Lombard Women Cancer Shield Plan.
Nisha, age 34 from Bangalore, says:
“I was diagnosed with early stage breast cancer last year. I informed the insurer, submitted my reports and the company paid my claim within a week. This helped me pay my bills and focus on recovery. I am grateful for choosing this plan.”
Madhuri, age 45, Delhi:
“I compare cancer plans on fincover.com. ICICI Lombard offered more sum insured at a better premium for my age. Application was online and claim process was also very smooth.”
Renewal and Portability in 2025
Renewing the ICICI Lombard Women Cancer Shield Plan is simple. The company sends reminders before the due date and you can pay online. The premium remains fixed during your policy term.
If you want to switch to another insurer for better benefits, you may also use portability options allowed by IRDAI rules.
Additional Features Unique in 2025
The plan now comes with a few value added services for 2025 customers:
- Free access to second opinion by expert oncologists
- Diet and mental health consultations via phone
- Digital health checkups through ICICI Lombard’s wellness app
These small extras help women to get all round support during their health journey.
Tax Benefits with Women Cancer Shield Plan
When you buy the ICICI Lombard Women Cancer Shield Plan, you are eligible for tax deductions on your premium under Section 80D of Income Tax Act. For 2025, the amount is up to Rs. 25,000 for individuals and Rs. 50,000 for senior citizens. This benefit depends on the latest government rules.
Tips for Choosing the Best Women Cancer Insurance
Choosing a plan should be done with care. Keep these tips in mind:
- Decide the right sum insured after checking hospital treatment costs in your city
- Prefer a plan that covers both early and advanced stages
- Check if wellness and allied services are included
- Compare premium vs. benefits on platforms like fincover.com
- Verify claim records and customer support ratings of the insurer
Doing a side by side comparison helps you buy the best support for yourself or your loved ones.
Who Should Buy This Plan in 2025?
Experts suggest any woman above 18 especially with a family history of cancer, or working professionals who want to secure their income, should look at buying this cover. Mothers, wives, and daughters can also be covered as per eligibility.
Those with existing health insurance also take cancer cover as a supplement, because regular policies rarely pay a lump sum on diagnosis.
Things to Check Before You Buy
- Read key policy documents and exclusions
- Check waiting periods
- Find out about network hospitals, though not essential for cancer plan claims
- Use a trusted digital aggregator like fincover.com for a smooth experience
- Keep digital copies of your policy and inform family members
Frequently Asked Questions
Is medical checkup needed before buying this plan?
Usually, if you are below age 40 and with no known symptoms, there may not be any pre medical tests. Check at fincover.com for any updated requirements.
Can a working woman buy this plan for her mother?
Yes, as long as her mother is under 65 and has no known cancer, the plan allows proposal for mothers.
What is not covered?
Non cancerous lumps, skin cancers, tumors not affecting female organs, and pre existing cancers are not covered.
Is this policy available in all Indian states?
Yes, the plan is available pan India in 2025 and can be purchased online.
How We Created This Content and For Whom
This article was crafted after gathering the latest details from insurance company websites, customer reviews, industry news portals, and digital aggregator platforms like fincover.com relevant to 2025. It is written for women and their families who are considering buying cancer insurance or want a clear guide about the best women centric plans available today. All technical details were checked for accuracy and the content is presented in easy to understand language, suitable for any reader seeking trustworthy health insurance advice.