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Health Shield 360

We've got it covered so you can focus on recovery

Ensure your wellbeing with the Health Shield 360 insurance policy from ICICI Lombard General Insurance Company, for your peace of mind. This policy provides cover for check-ups, surgery and hospital expenses in India and worldwide for the treatment of illness, disease or injury.

Plan Unique Identification Number (UIN): ICIHLGP21601V012021

Apply now for HSBC health shield 360

A choice of four coverage combinations to meet your needs, with a sum insured from INR 5 lakhs to INR 1 crore

Restore your sum insured up to 100%, as many times as you like in a policy year - T&Cs apply[@unlimited-reset]

Pre-existing diseases that are declared when the policy is taken out, and accepted by the insurer, will be covered after the 2-year waiting period

Worldwide cover offers a higher sum insured with worldwide hospital cover for emergency and planned hospital stays - T&Cs apply

What's included

Here's what you'll be covered for

There are 4 plans under the Health Shield 360 insurance policy to choose from: Plan A, B, C and D. While each one has their own set of benefits to cater to your healthcare needs, they share the following benefits:

In-patient hospitalisation
Day care treatment/surgeries
Pre and post hospitalisation care
Inpatient AYUSH hospitalisation
Unlimited reset benefit
Additional sum insured (cumulative bonus)
Donor expenses
Domiciliary hospitalisation
Home healthcare
Convalescence benefit
Additional sum assured ASI protector
Maternity cover
Newborn baby cover
Outpatient OPD cover
Ambulance cover
Road emergency ambulance cover

Note: Plan A only offers the benefits listed above.

Comparing Plans B, C and D

The following table shows the benefits that are covered under each plan.
Cover Names	Plan B	Plan C	Plan D
Sum insured (INR)	INR 5 Lacs INR 10 Lacs INR 25 Lacs INR 50 Lacs	INR 5 Lacs INR 10 Lacs INR 25 Lacs INR 50 Lacs	INR 50 Lacs INR 1 Crore
Dependent accommodation	Yes	Yes	Yes
Nursing at home	Yes	Yes	Yes
Claim protector	Yes	Yes	Yes
Compassionate visit	Yes	Yes	Yes
Sum insured protector	No	Yes	Yes
Super no-claim bonus	No	Yes	Yes
Worldwide hospitalisation cover, including India	No	No	Yes
Road emergency ambulance (worldwide including India)	No	No	Yes
Air ambulance (worldwide including India)	No	No	Yes

The following table shows the benefits that are covered under each plan.
Cover Names	Sum insured (INR)
Plan B	INR 5 Lacs INR 10 Lacs INR 25 Lacs INR 50 Lacs
Plan C	INR 5 Lacs INR 10 Lacs INR 25 Lacs INR 50 Lacs
Plan D	INR 50 Lacs INR 1 Crore

Cover Names	Dependent accommodation
Plan B	Yes
Plan C	Yes
Plan D	Yes

Cover Names	Nursing at home
Plan B	Yes
Plan C	Yes
Plan D	Yes

Cover Names	Claim protector
Plan B	Yes
Plan C	Yes
Plan D	Yes

Cover Names	Compassionate visit
Plan B	Yes
Plan C	Yes
Plan D	Yes

Cover Names	Sum insured protector
Plan B	No
Plan C	Yes
Plan D	Yes

Cover Names	Super no-claim bonus
Plan B	No
Plan C	Yes
Plan D	Yes

Cover Names	Worldwide hospitalisation cover, including India
Plan B	No
Plan C	No
Plan D	Yes

Cover Names	Road emergency ambulance (worldwide including India)
Plan B	No
Plan C	No
Plan D	Yes

Cover Names	Air ambulance (worldwide including India)
Plan B	No
Plan C	No
Plan D	Yes

Things to know

Who can apply?

You must be aged between 21 and 70 to apply for Health Shield 360 and enjoy its lifetime renewal benefit.

Health Shield 360 key features document (PDF) Download

Health Shield 360 policy brochure (PDF) Download

Health Shield 360 policy wordings (PDF) Download

30-day waiting period

Expenses incurred as a result of disease or illness treatment within 30 days of the policy start date are not covered. However, expenses incurred as a result of treatment due to an accident are covered during this time.

90-day specific waiting period

Expenses incurred as a result of the following illnesses within 90 days of the policy start date are not covered unless they're pre-existing conditions disclosed at the time of underwriting:

hypertension
diabetes
cardiac conditions

If they're not pre-existing conditions or not disclosed at the time of underwriting, the waiting period will be 2 years.

Pre-existing diseases, illnesses, injuries and other conditions

Pre-existing diseases that were declared at the time of proposal and which we accepted will be covered after a 2-year waiting period.

Please note that there are 17 surgical procedures and medical conditions that also have a 2-year waiting period. For more details, please refer to the policy brochure.

The insurer does not cover some conditions, events and actions. These are known as 'exclusions'. Please refer to the policy brochure and policy wording documents for details on key exclusions and other terms and conditions.

The benefits under this policy apply only if the insured people are treated in India or in the countries or regions defined as 'worldwide' in the plan they chose.

Pre-existing conditions are covered only after a 2-year waiting period from the policy start date. Any pre-existing illnesses and injuries not disclosed at the time of underwriting will not be covered even after the waiting period.

This policy provides cashless servicing across India. Kindly refer to ICICI Lombard General Insurance website – www.icicilombard.com for the list of empaneled hospitals that allow cashless servicing.

The purchase of this insurance policy is voluntary and is not linked to any other facility from The Hongkong and Shanghai Banking Corporation Limited, India, ('the Bank' or 'HSBC') or its affiliates.

Ready to apply?

Apply online

Complete the application form online to get started in minutes, from the comfort of your own home.

Apply now Apply now for HSBC 360 health shield This link will open in a new window

Find out more at a branch

For more information before you apply, contact our Insurance Specialists in your nearest branch.

Find your nearest branch

Let us take care of your hospital expenses so you can stay focused on your recovery in the event of illness or injury.

Explore a flexible and affordable healthcare plan for you and your family.

Health First is an insurance plan that covers a wide range of critical illnesses.

Notes

Only for the customers of HSBC Bank Limited, India who intend to enroll under Health Shield 360 Master Policy No. (Members & Customers : 4177i/MSTR/247427045/00/000, Group Employees : 4177i/MSTR/247427026/00/000 ) underwritten by ICICI Lombard GIC Ltd.

The insurance products are offered and underwritten by ICICI Lombard General Insurance Company Ltd., ICICI Lombard House, 414, Veer Savarkar Marg, Prabhadevi, Mumbai – 400025, India ('Insurer'). Insurance is a subject matter of solicitation.

The Hongkong and Shanghai Banking Corporation Limited, India (HSBC) (IRDAI registration number CA0016) whose India corporate office is at 52/60, M. G. Road, Fort, Mumbai – 400001, India, is a corporate agent of ICICI Lombard General Insurance Company Ltd. and does not underwrite the risk or act as an insurer.

The contract of insurance is between the Insurer and the insured and not between HSBC and the insured. Settlement of claims is not the obligation of HSBC.

HSBC does not underwrite the risk or act as an insurer.

HSBC will receive 30% (for new policies) and 15% (for renewal policies) of the premium paid as commission from ICICI Lombard General Insurance Company for this transaction.

For more details on risk factors, terms and condition please read the policy wording document and policy brochure carefully before concluding a sale.

Website: www.icicilombard.com

Call: 18001032292

SMS: Text 'claim', 'service', 'renew' or 'call back' to 5667700

Email: customersupport@icicilombard.com

You may also approach your nearest HSBC branch for any claim or service related queries/request.

Beware of suspicious phone calls and fictitious or fraudulent offers. IRDA clarifies to the public that IRDA and its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums.

IRDA does not announce any bonuses. Public receiving such phone calls should lodge a police complaint along with details of the phone call and number.

Health Shield 360 Insurance

We've got it covered so you can focus on recovery

Why Health Shield 360

Choose your cover combination

Unlimited reset benefit

Pre-existing diseases (PED) waiting time of 2 years

Worldwide cover

What's included

Here's what you'll be covered for

Comparing Plans B, C and D

Things to know

Who can apply?

Important documents

Waiting period

Key exclusions

Other things to keep in mind

Ready to apply?

Apply online

Find out more at a branch

Other ways to learn more

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Notes

Disclaimer

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