Medical emergencies don’t just affect health — they disrupt income, savings, and long-term financial plans. This is where critical illness insurance becomes essential. Among the available options in India, ICICI Lombard Criti Shield Plus stands out for its multi-claim structure, severity-based payouts, and wide illness coverage.
What Is ICICI Lombard Criti Shield Plus?
ICICI Lombard Criti Shield Plus is a critical illness insurance policy designed to provide lump sum payouts when the insured is diagnosed with a covered major or minor illness, undergoes a major surgery, or suffers a serious accident.
Unlike regular health insurance, this payout:
Is not linked to hospital bills
Can be used for treatment, EMI payments, income loss, or recovery costs
Key Features of Criti Shield Plus
Covers 90+ Major & Minor Critical Illnesses
The policy covers illnesses across five buckets:
Cancer & blood disorders
Heart & blood vessels
Major organs
Nervous system
Other illnesses
Each bucket works independently, allowing multiple claims.
Severity-Based Payout System
| Illness Type | Payout |
|---|---|
| Major Critical Illness | 100% of Sum Insured |
| Minor Critical Illness | 25% of Sum Insured |
Unique Multi-Claim Bucket System
You can claim:
One minor + one major claim from the same bucket
Claims from multiple buckets in the same policy year
Once a bucket is fully exhausted, it won’t renew — others remain active.
Optional Add-On Covers
Cancer Restore Benefit (for relapse)
Surgical Procedure Cover (100+ surgeries)
Personal Accident Cover
These add-ons significantly enhance protection.
List of Critical Illnesses Covered
Criti Shield Plus covers conditions like:
Major cancer & early-stage cancer
Heart attack, angioplasty, bypass surgery
Kidney failure requiring dialysis
Stroke with permanent symptoms
Parkinson’s, Alzheimer’s, multiple sclerosis
Organ transplants and more
Premium & Policy Details
Eligibility
Minimum proposer age: 18 years
Entry age for insured: 3 months to 65 years
Policy Tenure
1 year to 3 years (discounts for longer tenure)
Add Your Heading Text Here
Age
Sum insured
Number of buckets chosen
Add-on covers
How to Make a Claim
The claim process is straightforward:
Inform ICICI Lombard via call or email
Submit diagnosis & medical documents
Claim decision within 30 days after documents submission
No hospital bill matching required — it’s a lump sum benefit.
Key Exclusions You Must Know
Pre-existing illnesses
Illness during the first 90 days
Congenital conditions
Self-inflicted injuries
Adventure sports-related claims
(Always read the policy wording before buying.)
Who Should Buy Criti Shield Plus?
This plan is ideal for:
Salaried professionals
Self-employed individuals
Families with medical history
Anyone without a strong emergency fund
Is ICICI Lombard Criti Shield Plus Worth Buying?
If you want:
Wide illness coverage Multiple claims flexibility Early-stage illness payout Strong insurer backing
Then Criti Shield Plus is one of the most comprehensive CI plans in India.
