ICICI Heart Cancer Protect
icici heart cancer Protect
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ICICI Pru Heart/Cancer Protect Plan

ICICI Pru Heart/Cancer Protect is specially designed to reduce the financial burden while treating the two most dreadful health issues (cancer & heart ailments). The policy pays out the lump-sum amount on the first diagnosis, without any medical bills.


Minimum Entry Age

18 years

Maximum Entry Age

65 years

Minimum Maturity Age

23 years

Maximum Maturity Age

75 years

Sum Assured

Minimum: Rs.2 lakhs


  • Cancer cover: Rs 50 lakh
  • Heart cover: Rs 25 lakh

Policy Term

Single Pay: 5 years

Regular Pay: 5 to 40 years

**Last Updated on 04-12-2020

Coverage of ICICI Pru Heart/Cancer Protect

Dealing with cancer and heart ailments can put a toll on your body. To avoid added pressure/problems, the cancer insurance plan offers the following-



Income Benefit

1% of the sum assured is paid every month for 5 years

Hospital Cash Benefit


Discount offered

5% off for existing customers on 1st year's premium

Grace Period

15/30 days

Free-Look Period


Payout Facility

Minor Conditions: 25% of the sum assured

Major Conditions: 100% less earlier minor condition claim payouts (if any)

Policy Revival

Can be revived if all the premiums are paid within 5 years of the first unpaid premium

Survival Period

  • Not available for Cancer Cover
  • 7 days for Heart Cover

**Last Updated on 04-12-2020

List of conditions covered

For Cancer cover:

Minor Conditions

Major Conditions

Early-stage Cancers

Cancer of Specified Severity

Carcinoma-in-Situ of any organ (except skin)


**Last Updated on 04-12-2020

For Heart cover:

Minor Conditions

Major Conditions



Balloon Valvotomy or Valvuloplasty

First Heart Attack of Specified Severity (Myocardial Infarction)

Carotid Artery Surgery

Heart Transplant

Implantable Cardioverter Defibrillator

Major Surgery of aorta

Implantation of Pacemaker of Heart

Open Chest CABG

Infective Endocarditis

Open Heart Replacement or Repair of Heart Valve

Minimally Invasive Surgery of aorta

Primary (Idiopathic) Pulmonary Hypertension



Pulmonary Thromboembolism


Surgery for Cardiac Arrhythmia


Surgery to place Ventricular Assist Devices or Total Artificial Hearts


**Last Updated on 04-12-2020

What are the features & benefits of ICICI Pru Heart/Cancer Protect?

ICICI Pru Heart/Cancer Protect understands the trauma of the family when one of them suffers from cancer/heart ailments. Apart from the emotional pressure, such ailments put a financial dent in their savings. To overcome these problems, the plan offers the following benefits-

  • Waiver of Premium: On detection of listed minor ailments or suffering a permanent disability due to an accident, the plan waives off all the future premiums and the policy continues to function.
  • Family Benefit: If a policyholder covers himself and his spouse under the policy, he will be eligible to avail of the discount of 5% on the first year's premium.
  • Income Benefit: On diagnosis of any listed major cancer or heart ailments, the insured will get 1% of the sum assured every month for 5 years.
  • Loyalty Benefit: The existing customers can avail of a discount of 5% on the first year's premium of this plan.
  • Hospital Cash Benefit: If you get hospitalized for a continuous stay of 24 hours due to any of the listed conditions, you will get a daily hospital cash benefit of Rs. 5,000. The benefit will be paid up to 10 days per policy year and 30 days over the policy term.
  • Increasing Cover Benefit: Under this benefit, you can increase your sum assured by 10% (every year) until the first claim is made. The maximum limit for the increase in sum assured is 200% of the sum assured chosen at inception.
  • Grace Period: If one can't pay the premiums on time, (s)he will get a grace period of 15 days for monthly payments and 30 days for other methods of payment.
  • Tax Benefits: One can avail of tax benefits by paying regular premiums under 80D of the Income Tax Act, 1961.
  • Surrender Value: This is only applicable for single pay policies. After you surrender the policy, you are eligible for the following benefit-

    Surrender value- Surrender value factor * Single premium

  • Free look period: The plan offers a free look period of 15 days (not purchased via distance marketing) and 30 days (purchased via distance marketing or is an electronic policy) to check the terms and conditions of the plan and cancel it if found unsatisfactory.

How does ICICI Pru Heart/Cancer Protect work?

Rahul, a normal  28 year old person with a 9-5 job. He bought ICICI Cancer Insurance Pru Heart / Cancer Protect plan, with Cancer cover of Rs 30 lakh for 15 years. He was diagnosed with an Early stage of Blood cancer at the age of 35. He received a payout of Rs 7,50,000 lakh through this plan which helped him with his medical expenses.  The plan continued with remaining Rs. 22,50,000 Lakhs, and moreover, with the waiver of premium benefit, Rahul doesn't need to pay any further premiums. Unfortunately, at 40 he was diagnosed with major stage cancer, and the remaining amount that was 22.5 lakh was paid to him.

ICICI Heart Cancer

What's not covered under ICICI Pru Heart/Cancer Protect?

The plan has a long list of exclusions. A few of them are listed below-

  • Pre-existing diseases.
  • Any covered event or its signs or symptoms occurred within the waiting period.
  • Any self-inflicted injuries or damage to self.
  • Any injury caused due to overdose of drugs/alcohol /solvent, taking of drugs except under the direction of a medical practitioner.
  • Radioactive contamination due to a nuclear accident.
  • Any illness due to a congenital defect.

How to Buy ICICI Pru Heart/Cancer Protect?

Buying ICICI Pru Heart/Cancer Protect is an easy and hassle-free process. Just perform the following steps:

  • Visit the official website of ICICI Prudential and click on the 'Online Plans'.
  • Find the 'ICICI Pru Heart/Cancer Protect' plan, and click on the 'Check Premium'.
  • Fill in the details and again click on 'Check Premium'.
  • Add the required details. Click on 'Buy Now' and pay the premium online.
  • Once the payment is received, the policy document will be mailed to your registered email address.

How to file a claim for ICICI Pru Heart/Cancer Protect?

You have to perform 3 simple steps to file a claim. Let's check them out.

  • Report the incident to start the claim process. This can be done online or via phone, SMS, email, among others.
  • The team will then evaluate the claim and verify your documents. The company will keep in touch with you and inform you every step of the way.
  • Once everything is sorted, the company will settle the claim in a short period.

Contact Details of ICICI Prudential:

Address: ICICI Pru Life Towers, 1089 Appasaheb Marathe Marg, Prabhadevi, Mumbai 400025.

Contact Number: 1860 266 7766

For Claim Related Queries:

E-mail: claimsupport[at]iciciprulife[dot]com

or, SMS 'ICLAIMPolicy Number' to 56767


1. What premium payment modes are available under ICICI Pru Heart/Cancer Protect?

The plan offers 4 premium payment modes: Single, Yearly, Half-yearly, and Monthly.

2. Are sexually transmitted diseases covered under the plan?

No, sexually transmitted diseases are not covered under this plan.

3. What are the premium payment options?

The plan offers two premium payment options: Single Pay & Regular Pay.

Last updated on 04-12-2020