ICICI Lombard
Complete Health Insurance (Health Shield)
Plan & insurer snapshot
✅ Claims (No.)
82.79%
Latest disclosed settlement ratio by number of claims.
❌ Rejection Ratio
14.11%
Lower is generally better for policyholders.
🏥 Cashless Hospitals
10,700+
Reported size of network hospitals.
💬 Complaints
0.14%
Complaint incidence on claims experience.
✨ Expert Verdict
Complete Health Insurance (Health Shield) is a health insurance plan from ICICI Lombard. Review policy wording and add-on details before final purchase.
Pros
- No co-pay requirement under base policy.
- Refill benefit available (Once in a policy year for related illness. Unlimited times for unrelated illness).
- Day-care procedures are included in coverage.
Cons
- Policy terms and add-ons should be reviewed before purchase.
Key Features
Room Rent
Not specified
Co-Pay
No
Disease Sub-limit
Not specified
Pre-Hospitalisation
Not specified
Post-Hospitalisation
Not specified
Refill Trigger
Partial exhaustion of Sum Insured
Waiting Periods
Initial Waiting Period
30
Specific Disease Waiting
2
Pre-existing Disease Waiting
2