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ICICI Lombard Criti Shield Plus is a configurable critical illness policy. Its base cover groups specified major and minor critical illnesses into five buckets: Cancer and Blood Disorders, Heart and Blood Vessel, Major Organs, Nervous System, and Other Illnesses. The benefit payable depends on the selected bucket sum insured, the illness definition and the policy schedule.
Five illness buckets with major and minor critical illness definitions
The policy wording describes a bucket-based benefit structure rather than one unrestricted payout for every condition. Major and minor illness payouts differ, and some conditions have specific payout caps. Optional covers are available for additional premium, subject to eligibility, selection and the issued policy schedule. Review the wording and schedule before comparing benefits.
ICICI Lombard
Key Insights
Founded
2001
ICICI Lombard was established 25 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
97.8% CSR, calculated as a 3-year average
ICICI Lombard settles 97.8% of all claims it receives, demonstrating strong credibility.
Contact Details
1800 2666
Headquarters: ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400025, Maharashtra, India
The base cover groups listed critical illnesses into five buckets: cancer and blood disorders, heart and blood vessel, major organs, nervous system, and other illnesses.
The covered conditions and definitions are listed in the policy wording.
The policy distinguishes major and minor critical illnesses within its bucket structure.
Minor illness payouts are subject to the limits stated in the policy wording.
The benefit is based on the sum insured selected for the applicable bucket and the relevant policy conditions.
Check the policy schedule for selected sums insured.
A claim must meet the policy definition for the relevant critical illness.
Diagnosis and supporting medical evidence are required under the policy terms.
The applicable initial waiting and survival periods are those selected and recorded in the policy schedule.
Do not assume one duration applies to every issued policy.
An optional benefit that can pay the sum insured specified for this cover when the policy conditions for the required ICU stay are met.
Available for additional premium. ICU stay duration and exclusions are governed by the policy schedule and wording.
An optional benefit for a qualifying re-diagnosed or recurring major cancer after the applicable waiting period, subject to policy terms.
The initial waiting period for the critical illness base benefit is 90, 120 or 150 days as selected and recorded in the policy schedule. The applicable survival condition is 0, 3, 7 or 14 days as recorded in the schedule. Check the issued schedule before quoting a single duration.
Initial critical illness waiting period
The applicable duration is the option recorded in the issued policy schedule.
Survival period after diagnosis
The insured must satisfy the survival condition selected and recorded in the issued policy schedule.
Cancer Restore waiting period
Applies to the optional Cancer Restore Benefit after the first admitted major cancer claim, subject to policy wording.
Conditions or treatments that the policy clearly says it will not cover.
The policy lists critical illnesses across five buckets, with separate major and minor classifications. A 90/120/150-day initial waiting period and a 0/3/7/14-day survival condition apply according to the policy schedule. The full illness list and each definition are set out in the insurer’s policy wording; payout limits may differ for minor conditions.
Insurer
ICICI Lombard plans and claim process
The benefit depends on the applicable illness bucket, its selected sum insured, the major or minor classification and the policy terms.
The policy wording provides initial waiting-period options of 90, 120 or 150 days. The option applicable to an insured person is the one shown in the policy schedule.
Yes. The wording lists survival-period options of 0, 3, 7 or 14 days. Check the issued policy schedule for the applicable option.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official ICICI Lombard website before purchasing.
Official Website
icicilombard.com
Visit the official ICICI Lombard website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
Requires selection with the relevant cancer bucket at first purchase. A three-year waiting period applies under the cited wording.
No. These are optional covers and apply only when selected, additional premium is paid and the covers are recorded in the policy schedule.
No. The policy distinguishes major and minor conditions, and some minor conditions have specific payout caps. The exact definitions and limits in the policy wording apply.