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Last updated on: May 20, 2025
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Read BioThe ICICI Lombard Women Cancer Shield Plan is a health insurance policy designed especially for women in India. This plan focuses on financial protection in case the insured woman is diagnosed with any kind of cancer. It helps cover the high costs of cancer treatment, including diagnosis, hospital stay, medications, and even follow up care.
In 2025, cancer cases among women continue to rise in India. The most common types affecting women are breast cancer, cervical cancer, and ovarian cancer. Medical expenses for these treatments have also gone up. That is why having dedicated cancer insurance like the Women Cancer Shield Plan from ICICI Lombard is becoming more important for Indian women and their families.
Let us explore the plan, its benefits, how it works, and why it can be a smart choice for women right now.
The ICICI Lombard Women Cancer Shield Plan gives coverage for all major and minor stages of cancer. This means that whether you are diagnosed with an early stage or a late stage, you get financial support.
Coverage highlights include
This plan makes sure that women can focus on treatment and recovery, without worrying about how to manage high expenses.
According to the World Health Organization and Indian cancer registries, nearly one in eight women face a cancer risk in their lifetime. With more advanced medical technology in 2025, the cost of cancer detection, surgery, chemotherapy, and medication is higher than ever.
A cancer diagnosis can be sudden and can lead to:
Regular health insurance has exclusions and limits for cancer treatment. A specialised cancer cover like the ICICI Lombard Women Cancer Shield Plan protects you better if this illness occurs.
There are many reasons why women prefer this plan over regular health covers:
Key benefits
Why it matters
You receive a lump sum cash benefit no matter where you get treated. This amount can be used for:
Every insurance plan has some exclusions. Under this plan, you cannot claim for:
It is always a good idea to read the policy wording for the full exclusions list before signing up.
You can select a sum insured between 5 lakh to 50 lakh rupees. The higher the sum insured, the higher is your premium but the better is your financial safety net.
Common options in 2025
| Age Group | Sum Insured Choices (Examples) | Typical Premium Range Yearly* |
|---|---|---|
| 20 35 years | 10L, 20L, 30L | 1200 to 2400 INR |
| 36 50 years | 10L, 20L, 30L | 1600 to 3500 INR |
| 51 65 years | 5L, 10L, 20L | 2200 to 5200 INR |
*Premiums can vary by your health, sum insured, age and city
The biggest feature is the lump sum payout. If you are diagnosed with a covered cancer (as per policy document), you receive a lump sum cash benefit. You do not need to wait for bills or run to approve small claims.
Once you claim for 100 percent of the policy amount, the policy ends, as you have received the full cover promised.
Yes, the ICICI Lombard Women Cancer Shield Plan includes annual wellness check ups. You get one free check up every year. There are also regular health and wellness reminders so you can stay on top of your health.
Preventive screening is key in fighting cancer early. Some plans also offer discounts on certain diagnostic tests to policyholders.
The plan mainly covers cancers that commonly affect Indian women.
Other cancers affecting female reproductive organs are also covered. Always check your policy brochure for a full list.
The plan is meant for women related cancers. Non gender specific cancers like lung cancer, colon cancer, or blood cancer are not included. If you need broader cancer cover, you can purchase a full Cancer Protection Plan, but that will have a different premium.
The plan is designed for:
Even if you have another health policy, you can still buy this as an add on for extra cancer safety.
If your mother, sister, or grandmother had cancer, your own risk may be higher. Buying this policy earlier in life can protect you before any symptoms show up. Some insurers may ask about family history, but you can still apply.
The premium depends on your age at entry, sum insured, and the city where you live.
Premium payment can be done yearly or as a single lump sum for a longer term.
Younger women pay lower premiums because the risk of claim is lesser. If you wait until late forties or fifties, the premium can double.
| Feature | ICICI Lombard Women Cancer Shield | Regular Health Insurance |
|---|---|---|
| Coverage | Only listed female cancers | All covered illnesses |
| Claim payment | Lump sum on diagnosis | Hospitalised treatment bills |
| Premium | Lower for high sum insured | Higher for similar cover |
| Scope of use | Any use like home care, travel | Only hospital treatment bills |
| Limits on bills | No need to show bills | Must submit all bills |
| Renewability | Fixed term, upto 20 years | Lifetime renewal possible |
| Tax benefit | Yes, under section 80D | Yes, under section 80D |
You can take both regular health insurance and a cancer shield plan together for complete protection.
You can buy this plan easily online in just a few steps. Comparison platforms like fincover.com let you compare premiums, features, and sum insured from all top insurers.
Steps to apply through fincover.com
You may need to undergo a simple health checkup or medical questions if you are above 50 or have specific conditions.
Applying early means you can lock in a low premium for the long term and get covered during the waiting period.
Most of the process is digital in 2025. You only need to upload soft copies during your online application through websites like fincover.com.
If you are diagnosed with any covered cancer after 90 days of buying the plan:
This payout is independent of where you get your cancer treated.
No restrictions or limits
This is fairly standard for all insurance in India in 2025, giving you time to reconsider if you made the right decision.
If you miss renewal, you may need fresh health checks to buy again. Always renew on time for uninterrupted cover.
Many ICICI Lombard Women Cancer Shield users have reported:
A 2025 review shared by Priya, a 38 year old from Chennai:
“When I was diagnosed with early stage breast cancer, the ICICI lump sum payout really helped pay for surgery and therapy, and I could focus fully on recovery without money worries.”
Case studies show that having dedicated cancer cover can reduce stress and gives family members more confidence during a health crisis.
Yes, as of 2025, you can purchase multiple cancer specific plans or regular health policies at the same time. During claim, you can decide which insurer you want to claim from first. It is common for working women to add a cancer plan to group insurance provided by their employers.
Absolutely. Cancer can strike without warning, even at a young age. Buying the plan earlier means:
Many young professionals and even newly married women in India are taking this cover as a precaution.
Premium paid for the ICICI Lombard Women Cancer Shield Plan is eligible for deduction under section 80D of the Income Tax Act. You can claim upto 25000 rupees per year for self and family health insurance. Keep your premium payment record ready while doing your taxes.
Even if you are a homemaker, this policy makes a lot of sense. Cancer expenses in India can finish family savings quickly. Having a personal lump sum cover means you do not need to depend on anyone in case of a health crisis.
This article was carefully put together by a team of health insurance experts and Indian women wellness advocates for women and families looking for simple, factual information in 2025. We used the latest policy brochures, customer reviews, and legal health guidelines. Our goal is to make insurance easy to understand so women of all ages can make better health finance choices without stress.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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