ICICI Critical Illness
  • 20+ Critical Illnesses
  • Wellness Programs
  • Day Care Treatments
ICICI Critical Illness
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ICICI Lombard Critical Illness

Critical Illness Insurance plans are designed to protect the policyholder against the expenses that may occur during the treatment of any of the listed critical illnesses in a certain policy. At present, there are several health insurance plans that provide coverage against critical illnesses with an in-built cover or provide you with a critical illness optional cover. ICICI Lombard critical illness plans are a versatile option when it comes to safeguarding yourself against multiple critical illnesses.

ICICI Lombard Critical Illness plans cover essentials such as doctor consultation fees, medicines, ambulance costs, and room rent along with pre and post-hospitalization expenses. ICICI Critical Illness policy also aids in paying the EMIs of loans if any. If you have any outstanding loans like a home loan or a car loan, ICICI critical illness policy aids you in clearing the same along with protecting you from critical illnesses.

 

Key Benefits of ICICI Lombard Critical Illness

ICICI Lombard Critical Illness policy offers policyholders the financial support they need and helps keep their hard-earned savings intact for their respective objectives.

  • Tax Benefit
    When you invest in an ICICI Critical Illness Policy you are eligible to avail of tax benefits under Sections 80C & 80D of the Income Tax Act, 1961.
  • Multiple Critical Illnesses
    With ICICI Lombard Critical Illness Policy policyholders can avail coverage for themselves and their loved ones against over 34 critical illnesses.
  • Disability Protection
    Under ICICI Critical Illness Policy policyholders get continued coverage without having to pay any premiums in case of permanent disability due to an accident.
  • Hassle-free Hospitalization
    ICICI Critical Illness Policy is designed carefully to cater to the medical needs of policyholders, which involves seamless hospitalization and a hassle-free process. ICICI Lombard ensures cashless hospitalization in their wide chain of network hospitals across the country.
  • Organ Donor & Critical Illness Benefit
    ICICI Critical Illness Plans cover you in difficult times of medical extremities such as organ donation and critical illness. ICICI Critical Illness offers a lump sum benefit of up to 100% of the sum insured for a plan with SI up to INR 10 lac for critical illness cover.

ICICI Lombard Critical Illness Plans Eligibility Criteria

 

Entry Age

Minimum: 18 Years

 

Adult Entry Age.

Maximum: 65 Years

 

Policy Term

1/2 Years

 

Plan Type

Individual/ Family Floater

 

Sum Insured

2 L | 5 L | 10 L | 20 L | 50 L | 1 Cr | 2 Cr | 3 Cr

 

Initial Waiting Period*

30 Days*

ICICI Lombard Critical Illness Plan- Illnesses Covered

The list of ailments covered under the ICICI Lombard Critical Illness Plan is as follows:

  • Cancer of Specified Severity
  • Myocardial Infarction (First Heart Attack of Specified Severity)
  • Coronary Artery Disease
  • Open Chest CABG
  • Open Heart Replacement or Repair of Heart Valves
  • Surgery to Aorta
  • Stroke resulting in Permanent Symptoms
  • Kidney Failure requiring Regular Dialysis
  • Aplastic Anaemia
  • End Stage Lung Disease
  • End Stage Liver Failure
  • Coma of Specified Severity
  • Third Degree Burns
  • Major organ /bone marrow transplant
  • Multiple Sclerosis with Persisting Symptoms
  • Fulminant Hepatitis
  • Motor Neurone Disease with Permanent Symptoms
  • Primary Pulmonary Hypertension
  • Terminal Illness
  • Bacterial Meningitis

ICICI Lombard Critical Illness Plan Inclusions

Inclusions of ICICI Lombard Critical Illness Plan include:

Pre and post-hospitalization expenses

Annual Health Check-up

Daycare Treatments

COVID-19 treatment

Ambulance cover

AYUSH coverage

Domiciliary Hospitalisation

ICICI Lombard Critical Illness Plan Exclusions

Exclusions of ICICI Lombard Critical Illness Plans include:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

AIDS

Adventure Sports Injuries

Cosmetic or obesity-related surgeries

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Explore other ICICI Lombard Health Insurance

To cater to the different medical needs of an individual & their family, ICICI Lombard Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to ICICI Lombard Health Insurance plans explore more:

Individual and Family Health Insurance

ICICI Lombard Health AdvantEdge plan is a comprehensive health insurance plan designed to cater to all your health care needs. A family health insuran...

Unique Features

  • Global Cover
  • SI Upto 3 Cr
  • Air Ambulance Cover

AdvantEdge Plan (Pros)

AdvantEdge Plan
  • Restoration Benefit
  • Cumulative Bonus
  • Health Rewards
  • Domestic Air Ambulance

AdvantEdge Plan (Cons)

AdvantEdge Plan
  • OPD Cover
  • Second medical opinion
  • Modern treatment
  • IVF treatment cover

AdvantEdge Plan (Other Benefits)

AdvantEdge Plan
  • New Born Cover
  • Vaccine Cover
  • Maternity Cover
  • PED Cover
  • Personal Accident Cover

AdvantEdge Plan (Eligibility Criteria)

AdvantEdge Plan
  • Entry Age: 18 - 65 years
  • SI: 5 L to 3 Cr
  • Initial waiting period: 30 days

Accident Health Insurance

ICICI Lombard Personal Protect Policy is a comprehensive health insurance policy that offers an array of benefits and extensions to safeguard the insu...

Unique Features

  • Accidental Death Benefit
  • Acts Of Terrorism Cover
  • Life Long Renewal

Personal Protect Policy (Pros)

Personal Protect Policy
  • Accidental Death
  • Permanent Total Disablement Benefit
  • Hospital Daily Allowance

Personal Protect Policy (Cons)

Personal Protect Policy
  • Illegal activities
  • Adventure sports
  • Obesity

Personal Protect Policy (Other Benefits)

Personal Protect Policy
  • Operational Coverage
  • Accidental Hospitalization
  • Hospital Daily Allowance

Personal Protect Policy (Eligibility Criteria)

Personal Protect Policy
  • Min entry age: 18 Years
  • Max entry age: 80 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 25 L

Senior Citizen Health Insurance

Golden Shield Plan by ICICI Lombard is designed especially for senior citizens and to cater to all their health care needs. With growing age, the huma...

Unique Features

  • Care Management Program
  • 50 L SI Available
  • Co-Pay Modification

Golden Shield Plan (Pros)

Golden Shield Plan
  • Reset Benefit
  • Coverage for Ambulance
  • Cashless Hospitalization

Golden Shield Plan (Cons)

Golden Shield Plan
  • Maternity cover
  • New born cover
  • Daily hospital cash

Golden Shield Plan (Other Benefits)

Golden Shield Plan
  • Care Management Program
  • AYUSH Treatments
  • Claim Protector

Golden Shield Plan (Eligibility Criteria)

Golden Shield Plan
  • Entry age: 56 years to no maximum limit
  • Sum insured: 5 to 50 Lakhs
  • Initial waiting period: 30 days

Individual and Family Health Insurance

ICICI Lombard Arogya Sanjeevani is a versatile plan that pays for your medical bills in case of hospitalization. If you are looking for a health plan ...

Unique Features

  • COVID-19 Cover
  • Ambulance Cover
  • Affordable Plan

Arogya Sanjeevani Policy (Pros)

Arogya Sanjeevani Policy
  • Cumulative bonus
  • Cataract treatment covered
  • Modern procedures covered
  • Intensive cardiac care charges

Arogya Sanjeevani Policy (Cons)

Arogya Sanjeevani Policy
  • No eyesight correction expenses
  • Fertility expenses not covered
  • Nursing expenses not covered
  • Nursing at home not covered
  • OPD expenses not covered

Arogya Sanjeevani Policy (Other Benefits)

Arogya Sanjeevani Policy
  • Floater benefit
  • Pre-existing diseases after 4 years
  • In-patient AYUSH treatment
  • Day care procedures

Arogya Sanjeevani Policy (Eligibility Criteria)

Arogya Sanjeevani Policy
  • Entry age- 18 years
  • Max entry age- 65 years
  • SI- 1 L to 5 L
  • Waiting period- 30 days

Top Up and Super Top Up

ICICI Lombard Health Booster is a comprehensive super top-up health insurance plan designed to enhance your existing coverage. The policy acts as a s...

Unique Features

  • Reset Benefit
  • Top-up Plan
  • Lifetime Renewability

Health Booster (Pros)

Health Booster
  • In-patient treatment covered
  • High range of coverage
  • Flexible coverage

Health Booster (Cons)

Health Booster
  • Injury due to war
  • Cosmetic surgery
  • Aesthetics treatment

Health Booster (Other Benefits)

Health Booster
  • Reset benefit
  • Domestic road emergency
  • Pre and post-hospitalisation
  • Donor expenses

Health Booster (Eligibility Criteria)

Health Booster
  • Min entry age: 6 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 50 L

Individual and Family Health Insurance

ICICI Lombard MaxProtect health insurance plan is a multiple-benefit provider plan that comes with affordable premiums. It has two variants ie, Classi...

Unique Features

  • Up to 1 Crore SI
  • International coverage
  • Modern treatment

ICICI Lombard MaxProtect Plan (Pros)

ICICI Lombard MaxProtect Plan
  • Worldwide coverage
  • Modern-day treatment procedures
  • Reset benefits

ICICI Lombard MaxProtect Plan (Cons)

ICICI Lombard MaxProtect Plan
  • Maternity cover
  • OPD not covered
  • Daily hospital cash

ICICI Lombard MaxProtect Plan (Other Benefits)

ICICI Lombard MaxProtect Plan
  • Multi-yearPolicy discounts
  • Automatic restoration
  • Domiciliary hospitalization

ICICI Lombard MaxProtect Plan (Eligibility Criteria)

ICICI Lombard MaxProtect Plan
  • Entry age: 21 to 65 years
  • Sum Insured: Upto 1 Cr
  • Initial Waiting Period: 30 Days

Individual and Family Health Insurance

Worried about your medical expenses? Boost your healthcare experience with the ICICI Lombard Health Shield 360 insurance policy. Healthcare is one of ...

Unique Features

  • 360° wellbeing programs
  • High SI options
  • Home healthcare

Health Shield 360 (Pros)

Health Shield 360
  • Worldwide cashless facility
  • Unlimited reset cover
  • Daycare procedures

Health Shield 360 (Cons)

Health Shield 360
  • Illegal activites
  • Adventure sports
  • Drug abuse

Health Shield 360 (Other Benefits)

Health Shield 360
  • Air ambulance
  • OPD Cover
  • Additional Sum Insured

Health Shield 360 (Eligibility Criteria)

Health Shield 360
  • Min entry age: 21 Years
  • Max entry age: 75 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 1 Cr

Individual and Family Health Insurance

Customize your ICICI Lombard Complete Health Plan with 4 available variants ICICI Lombard Complete Health Insurance is a comprehensive health insuranc...

Unique Features

  • Wellness Program
  • Maternity & Newborn Cover
  • Riders Available

Complete Health Insurance (Pros)

Complete Health Insurance
  • Critical Illness cover
  • AYUSH treatment covered
  • Ambulance coverage
  • E-consultation

Complete Health Insurance (Cons)

Complete Health Insurance
  • Vaccination not covered
  • IVF Treatment
  • Modern treatment
  • Air ambulance

Complete Health Insurance (Other Benefits)

Complete Health Insurance
  • Cataract
  • Daily hospital cash
  • Organ donor

Complete Health Insurance (Eligibility Criteria)

Complete Health Insurance
  • Min entry age: 3 months
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 50 L

Group Health Insurance

ICICI Lombard Group insurance is a type of insurance plan that covers many people in the same proximity, for example, employee-employer, bank customer...

Unique Features

  • Large Sum Insured
  • Daycare Treatment
  • Floater Benefit

Group Health Insurance (Pros)

Group Health Insurance
  • Tax benefit
  • Less waiting period
  • Hospital coverage
  • Wide range coverage

Group Health Insurance (Cons)

Group Health Insurance
  • Pre-existing diseases
  • Hazardous or adventure sports

Group Health Insurance (Other Benefits)

Group Health Insurance
  • Cashless benefit
  • Day care treatment
  • Floater benefit

Group Health Insurance (Eligibility Criteria)

Group Health Insurance
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 50 L

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ICICI Lombard Critical Illness: FAQs

1. Does ICICI Lombard have any plans dedicated to critical illnesses?

Yes, ICICI Lombard offers Critical Illness plans that cover over 20+ critical illnesses. Additionally, ICICI Lombard offers plans that have additional critical illness covers such as ICICI Lombard Health Booster Plan.

2. Do policyholders need to go through any pre-policy medical check-ups before purchasing ICICI Lombard critical illness plans?

No, policyholders below the age of 45 years do not require to undergo any pre-policy medical check-up to purchase ICICI Lombard Critical Illness Plans.

3. What is the tenure for ICICI Lombard Critical Illness Policy?

ICICI Lombard Critical Illness Plans have policy tenures for 1 and 2 years depending on the plan term you chose.

4. What happens if a policyholder forgets to renew their ICICI Lombard Critical Illness Policy?

A grace period of 30 days is provided to policyholders in case they forget to renew their ICICI Lombard Critical Illness Policy after which the policy lapses.

5. Can policyholders cancel their ICICI Lombard Critical Illness Policy?

Yes, ICICI Lombard provides a 15-day free look period during which policyholders may cancel their policy.

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Himanshu Kumar

Written By: Naval Goel

Naval Goel is the Founder and CEO of PolicyX.com (IRDA- Approved Insurance Comparison Website). He is a CFA charter holder (USA) and FRM (GARP). He holds an MBA from IIFT, Delhi, and is also an Associate from the Insurance Institute of India. Naval is an avid investor and entrepreneur who has a deep understanding of the Indian equity market and insurance sector. He has been investing for more than 10 years now and is a CFA charter holder.