Yes Bank ICICI Lombard Health Shield 360

Age

• Adults from 21 to 75 years of age, Children from 91 days to 20 years of age; child will be covered under floater plan only

Tax Benefits

• Tax benefit under section 80D of the Income Tax Act and amendments made thereto.

Waiting Period

• Initial Waiting Period: 30 days for all illnesses (except hospitalisation due to injury).
• Expense related to hypertension, diabetes, and cardiac conditions within 90 days from the policy commencement date unless they are PED.
• Pre-existing diseases: 12 months waiting period for declared and accepted PEDs.
• Specific disease waiting period: 2 years, for specific Illness and treatment. (Please refer to the policy clauses for the full listing).
• Maternity Cover: 3 years, provided both Insured Person and Spouse are covered under the same Policy

Hospital Benefits

• Maternity Benefit
• New born Baby Cover
• Super No-Claim Bonus
• Claim Protector
• Additional Sum Insured (ASI) Protector

Network Hospitals

• Worldwide Cashless facility at network Centre

Specific Exclusions

• Cataract
• Benign Prostatic Hypertrophy
• Myomectomy, Hysterectomy unless because of malignancy
• Hernia, Hydrocele
• Fissures &/or Fistula in anus, hemorrhoids/ piles
• Arthritis, gout, rheumatism and spinal disorders
• Joint replacements unless due to accident
• Sinusitis and related disorders
• Stones in the urinary and biliary systems
• Dilatation and curettage, Endometriosis
• All types of Skin and internal tumors/ cysts/ nodules/ polyps of any kind including breast
• Lumps unless malignan
• Dialysis required for chronic renal failure
• Surgery on tonsils, adenoids and sinuses
• Gastric and Duodenal erosions & ulcers
• Deviated Nasal Septum
• Varicose Veins/ Varicose Ulcers
• All types of internal congenital anomalies/ illness/ defects
• Maternity Cover - This cover can be availed only if both the insured and spouse are covered under the same plan for a continuous duration of 3 Years

Renewability and Coverage

• In-Patient Hospitalization
• Day Care Treatment/Surgeries
• Pre and Post Hospitalisation Expenses (90 Days Before and 180 Days After)
• In Patient AYUSH Treatment
• Unlimited Reset Benefit
• Additional Sum Insured (ASI)
• Home Health Care
• Wellbeing program aims to empower individuals to manage their lifestyle and prevent complications arising from adverse health conditions.
• Air Ambulance Cover (India)
• Domestic Road Emergency Ambulance Cover
• Donor Expenses
• Domiciliary Hospitalisation
• PED covered after 12 months
• Out-Patient Treatment Cover
• Compassionate Visit

Additional Benefits

• Day-care Procedure
• International emergency medical services (Air and Roadside Assistance)