ICICI Critical Illness

ICICI Lombard Critical Illness Insurance

Critical Illness Insurance plans are designed to protect policyholders against expenses that may occur during the treatment of any of the critical illnesses listed under a policy. At present, several health insurance plans provide coverage against critical illnesses with an in-built or optional cover. ICICI Lombard Critical Illness plans offer a versatile option for safeguarding yourself against multiple critical illnesses.

ICICI Lombard Critical Illness plans cover essential expenses like doctor consultation fees, medicines, ambulance costs, room rent, and pre- and post-hospitalisation charges. The policy also helps in paying EMIs for outstanding loans (e.g., home or car loans) while protecting you from critical illnesses.

Key Benefits of ICICI Lombard Critical Illness Plans

ICICI Lombard Critical Illness policies offer policyholders the financial support they need and help 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 an ICICI Lombard Critical Illness Policy, policyholders can avail coverage for themselves and their loved ones against over 34 critical illnesses.

• Disability Protection

  Under an 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 Hospitalisation

  ICICI Critical Illness Policy is designed carefully to cater to the medical needs of policyholders, which involves a seamless and hassle-free hospitalisation process. ICICI Lombard ensures cashless hospitalisation 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 plans with a sum insured up to INR 10 lakh for critical illness cover.

ICICI Lombard Critical Illness Plans: Eligibility Criteria

• Entry Age

  Minimum: 18 Years

• Maximum Entry Age

  65 Years

• Policy Term

  1 or 2 Years

• Plan Type

  Individual/Family Floater

• Sum Insured

  ₹2 Lakh | ₹5 Lakh | ₹10 Lakh | ₹20 Lakh | ₹50 Lakh | ₹1 Crore | ₹2 Crore | ₹3 Crore

• Initial Waiting Period

  30 Days

ICICI Lombard Critical Illness Plans: 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 Plans: Inclusions

Inclusions of the ICICI Lombard Critical Illness Plan include:

• Pre- and post-hospitalisation expenses
• Annual Health Check-up
• Daycare Treatments
• COVID-19 Treatment
• Ambulance Cover
• AYUSH Coverage
• Domiciliary Hospitalisation

ICICI Lombard Critical Illness Plans: Exclusions

Exclusions of ICICI Lombard Critical Illness Plans include:

• Hospitalisation due to war, riot, strike, or nuclear weapons
• Intentional self-injury
• AIDS
• Adventure sports injuries
• Cosmetic or obesity-related surgeries