ICICI Cancer Insurance
ICICI Cancer Insurance
PX step

Get Quotes From Top Insurers

D.O.B (eldest member)
| Gender

Please Enter Other Details

Phone No.

By proceeding you are accepting our T&C and privacy policy

ICICI Cancer Insurance

Cancer is one of the rapidly growing diseases in the world. A single case of cancer can ruin the comfort and financial situation of the entire family. To deal with the huge expenses against the required cancer treatment, one needs to put all his/her savings or borrow funds from others. In such a case, you can protect yourself from ruining your savings and can get adequate treatment with ICICI Cancer Insurance by ICICI Prudential Life Insurance Company.

ICICI Prudential Life Insurance is one of the finest insurers which comes out strongly to protect you and your family against cancer. ICICI Cancer Insurance is a single platform where you can get the required financial assistance to deal with the heavy costs of treatment.

ICICI Cancer Insurance Plan: Eligibility

Entry ageMinimum: 18 years
Maximum: 65 years
Premium payment optionSingle Pay, Regular Pay
Maximum maturity ageMinimum: 23 years
Maximum: 75 years
Premium payment modesSingle, yearly, half-yearly and monthly
Minimum Sum Assured2 lakh
Maximum Sum AssuredCancer cover: 50 lakh
Heart cover: 25 lakh
Minimum Sum Assured2 lakh
Premium payment termSingle Pay: Single
Regular Pay: Same as Policy Term

ICICI Pru Cancer Plan: Heart/Cancer Protect

When it comes to the treatment of cancer, the cost is huge. To counter the same, you must make an investment in ICICI cancer insurance Plan. ICICI Pru Heart/Cancer Protect is a renowned health insurance product by ICICI Prudential Life Insurance which provides the required cover against particular diseases which includes cancer and heart ailments. The best thing about this plan is that it provides the needful claim amount irrespective of the actual costs associated with the treatment. It is a better product as compared to other critical illness plans. Its other features/benefits are stated below:-

Key Features/Benefits

High Cover at an Affordable Premium

ICICI Heart/Cancer Protect offers high insurance cover at relatively low premiums. It is designed to be affordable for people.

Free-look Period

ICICI Pru Cancer Insurance offers a free look period of 15 days that allows you to cancel the contract if you are not happy with it.

Increasing Cover Benefit

The plan allows you to deal with the growing medical costs. It increases the sum assured by 10% every year.


The plan will offer discounts on choosing a family health insurance plan. With ICICI Pru cancer & heart plan, you will be liable to receive a 5% discount on the combined premium for the first year if you insure your spouse as well.


It allows you to revive the policy within 2 years from the first date of unpaid premium. It depends on the underwriting terms. At the time of revival, you need to pay arrears along with interests.

Financial Advisor

You will get the financial advisor that will help you to understand the pros and cons of the plan. He/she will also guide you throughout the claim process.

The Payout on Diagnosis

Unlike any other insurance plan, ICICI Heart/Cancer Protect provides the required coverage on the first diagnosis of the disease. It does not matter how much the treatment costs, the plan will always be there to support you. It covers all stages of the disease.

If you are insured under this plan, you don't have to search for network hospitals. You can easily avail the required treatment at any hospital of your choice as soon as the diagnosis is made. You don't have to look for the network hospitals to get the required cover.

Waiver of Premium

In the case where you are diagnosed with minor conditions or are permanently disabled, the plan will keep paying for the rest of the premiums. It allows you to get the entire cover at no cost or zero premiums.

Tax Benefits

The plan allows you to save taxes under Section 80D.

What Conditions Are Covered?

There are two forms of cover under this- cancer cover and heart cover.

ICICI Pru Cancer Cover Includes

Minor cover Major conditions
Early-stage cancerCancer of specified severity
Carcinoma-in-Situ of any organ (except skin)

Heart Cover Includes

Minor ConditionsMajor Conditions
Balloon Valvotomy or Valvuloplasty First Heart Attack of Specified Severity (Myocardial Infarction)
Carotid Artery SurgeryHeart Transplant
Implantable Cardioverter DefibrillatorMajor Surgery of aorta
Implantation of Pacemaker of HeartOpen Chest CABG
Infective EndocarditisOpen Heart Replacement or Repair of Heart Valve
Minimally Invasive Surgery of aortaPrimary (Idiopathic) Pulmonary Hypertension
Surgery for Cardiac Arrhythmia
Minimally Invasive Surgery of aorta
Surgery to Place Ventricular Assist Devices or Total Artificial Hearts

ICICI Pru Cancer Insurance: Special Benefits

Apart from the basic features of the plan, you are liable to receive additional benefits under the same. Below is the list of such additional benefits.

  1. Family Discount: With this cancer insurance product, you can avail a discount of 5% on the first year's premium. However, it is a family discount that means you will be liable to get the same only when you insure your spouse along with you.
  2. Loyalty Benefit: The company offers an additional discount of 5% on the first year's premium to the existing customers. It is a one-time discount.

ICICI Prudential Cancer Insurance: Add-on Covers

ICICI Pru Heart/Cancer Protect allows you to enhance the basic covers by opting for additional covers. Below is the list of additional coverage that you can add for additional benefits at nominal costs.

  • Hospital Benefit: The plan offers daily cash benefit to the insured. This is a fixed benefit that you will get irrespective of actual hospitalization cost. This benefit is payable up to ten (10) days per policy year and thirty (30) days over the policy tenure.
  • Increasing Cover Benefit: The plan allows you to increase the sum assured by 10% every year. The maximum sum assured under the same add-on cover is limited to 200 per cent of the chosen sum assured at the inception time.
  • Income Benefit: The plan will pay 1% of the chosen sum assured. You will get it every month for a tenure of 5 years on the diagnosis of any of the major conditions. This advantage is over and above the lump sum payable.

ICICI Cancer Insurance Claim Process

With the 97% claim settlement ratio, the company is one of the best players in the industry which pays the entire claim amount. For the same, you have to submit the required medical records. The company ensures to fulfil all promises made to their customers and secure the future of its customers quickly and efficiently.

The company provides a 3 step claim process-

  • Step 1: Intimation
  • Step 2: Claims processing
  • Step 3: Decision & Payout

Let's discuss such steps in details-

  • Intimation: You need to be intimate about the claim to the insurer. To provide ease to customers for raising a claim, the company has come out with multiple modes. You can file the claim by visiting any of the ICICI Prudential Life branches, through the website, SMS or by calling on 1860-266-7766. The company has a dedicated team of experts who are 24*7 available to assist you with your queries.
  • Claims Processing: After filing a claim along with the required documents, the company or assessor will analyse the claim. He/she can ask for additional documents (if required). Under the claim processing step, the company provides a claim manager to each claimant. He/she will be there to assist the claimant during the entire claim process.
  • Decision and Payout: After receiving all documents and completion of the investigation, ICICI Prudential Life Insurance company settles the claim and shares the result with the insured. The ICICI Prudential Life Insurance Company transfers the claim through electronic modes like ECS and NEFT.


1. How long does it take to get the ICICI Pru Heart/Cancer Protect's reimbursement?

ICICI Pru Heart/Cancer Protect will provide the needful cover against the diagnosis of a specific disease. Hence, you don't have to pay for the same from your own pocket. You need to submit medical records and bills of diagnosis/doctor's certificate at the company's claim centres.

2. What will happen in the case where a cancer patient gets treated once and comes back again to get the cover. Will ICICI Prudential Cancer Insurance cover it again?

ICICI Pru Heart/Cancer Protect is an effective plan that pays out on every stage. In such a case, the plan is liable to pay for the rest of the cover amount for treatment and recovery.

3. What are the different conditions covered under the ICICI Pru Heart/Cancer Protect?

The policy is liable to offer the required coverage to both major and minor conditions of heart diseases and cancer.

4. Can I cover my spouse under the same ICICI Prudential Cancer Insurance?

Yes, you can easily cover your spouse under the same policy. By insuring your partner, you will become liable to avail a 5% discount on the first year's premium. Also, it will be different from the family floater plan. It would cover both people independently with the option to select different sum assured

5. How many network hospitals do ICICI Prudential Life Insurance has tied up with, where I can avail the required treatment?

ICICI Pru Heart/Cancer Protect pays out a lump sum amount on a diagnosis. It doesn't matter where the treatment takes place. The policyholder is liable to use the amount to get the needful treatment at the hospital of your choice.

Last updated on 05-11-2020