ICICI Lombard - Critical care Insurance

Purchase mode: Online

Recommendation about Mediclaim: No

Premium: There premium charge is cheaper

Product Features:

Parameter

Value

Entry age

20 to 45  years

Renewal

Till 50 Years

Policy tenure

From 1 years to 5 years

Sum Insured

Rs 3 lacs to Rs 12 Lacs

Illness Cover

Cancer, Heart attack, Stroke, Paralysis, End stage, renal failure, Major Organ Transplant, Coronary artery bypass graft surgery, Heart valve replacement surgery, Multiple sclerosis

 

What does this policy cover

  • In case of Accidental Death of the insured, the nominee is given the sum insured
  • Benefits are also paid in case an accident results in Permanent total disability of the insured
  • On first diagnosis of any of the below mentioned critical illness, the insured gets a lump sum amount as benefit 
  • Cancer
  • Heart attack
  • Stroke
  • Paralysis
  • End stage renal failure
  • Major Organ Transplant
  • Coronary artery bypass graft surgery
  • Heart valve replacement surgery
  • Multiple sclerosis

 Exclusions

  • First 90 days from policy start date
  • Absence of doctor’s medical certificate
  • Claims arising out of sickness or illness
  • Self-injury or suicide
  • Engagement in dangerous activities
  • Mental disorder
  • Childbirth or pregnancy related illness
  • Pre-existing conditions
  • Self-medication
  • Diseases existing at birth (congenital)

Other features of the policy

  • Comprehensive cover and pure benefit policy offering lump-sum amount equivalent to sum insured just on first diagnosis / undergoing of any of 9 Major Medical Illnesses &Procedures, Accidental Death /Permanent Total Disablement (PTD) due to accident
  • No health check-up required for policy issuance
  • No survival period
  • Benefit paid immediately on first diagnosis of the covered Major Medical Illnesses and Procedure
  • Avail of tax benefit under section 80D of Income Tax Act on the premium applicable for Major Medical Illnesses & Procedures cover

Illustration showing premium:

No. of Members (Individual)

Age Group

Premium Sum Insured (3 lacs)

1  Adult

36 years

Rs 1253

1 Adult

61-65 years

Rs 14749

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