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ICICI Lombard Critical Illness

Cover 20+ Critical Illnesses
Avail Wellness Programs
Day Care Treatments

Network hospitals

7500+

Incurred claim ratio

77.33%

Sum insured

Up to 1 CR

No. of Plans

8

Solvency Ratio

2.5

Pan India Presence

300+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

1 Adult

2 Adults

2 Adults & 1 Child

2 Adults & 2 Children

2 Adults & 3 Children

Other Members

Age of Eldest Member

Network hospitals

7500+

Incurred claim ratio

77.33%

Sum insured

Up to 1 CR

No. of Plans

8

Solvency Ratio

2.5

Pan India Presence

300+

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.

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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.
Cover 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

ICICI Lombard offers multiple Health Insurance Plans for covering critical illnesses for you and your family.

Family Health Insurance

ICICI Lombard Complete Health Insurance

A comprehensive health insurance plan that covers you & your family's healthcare needs with a wide range of SI (2 Lakhs to 50 Lakhs)

Unique Features

Available in 4 different variants
100% Automatic Restoration of SI
Riders for enhanced coverage

Top-up

Health Booster(Top UP Plan)

A Top-up plan that offers extra coverage to you and your family with a comparatively lower premium with a policy deductible principle.

Unique Features

Wellness Programs
Critical Illnesses Covered
Lifetime Renewability available

Health Booster (Pros)

No Check-up up to 10 Lakh
Discount of up to 12.5%
Cashless treatment Hospitals
Reimbursement within 14 days
Deductible options (3/4/5 lakhs)

Health Booster (Cons)

No international Coverage
No Alcohol or drug abuse
No Refractive error correction
Dental treatment not covered
No hearing impairment correction

Health Booster (Other Benefits)

Hospital Daily Cash
Convalescence Benefit
Personal Accident Cover
Repatriation of Remains
(TTD) Rehabilitation Cover

Health Booster (Eligibility Criteria)

Entry Age - 18 Years
No Upper Age Limit
SI - 5 L to 50 L
Waiting Period - 30 Days

Standard Health Insurance

ICICI Lombard Health AdvantEdge

ICICI Lombard Health AdvantEdge is a holistic plan that covers the policyholder against 20 critical illnesses including cancer.

Unique Features

New Born Baby and Vaccine Cover
Domestic Air Ambulance
24x7 video/telephone consultation

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Choose ICICI Lombard Health Insurance Plan for

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 |3 L | 4 L | 5 L | 7 L | 10 L | 15 L | 20 L | 25 L | 30 L | 50 L | 75 L | 1 Cr | 1.5 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

Explore ICICI Lombard Health Insurance

Explore ICICI Lombard Critical Illness Plans

To cater to the different medical needs of an individual & their family, ICICI Lombard offers several Health Plans. Along with ICICI Lombard Critical Illness Policy, there are other plans to choose from. Take a look below to explore more:

Standard Health Insurance

ICICI Arogya Sanjeevani Policy

A standard Health plan that offers coverage up to 5 lakhs to the insured & his family. The plan offers you everything you need under a health insurance plan.

Unique Features

Cumulative Bonus
Cataract treatment covered
Modern Procedures covered

Arogya Sanjeevani Policy (Pros)

Intensive Cardiac Care Charges
Ambulance charges up to 2000
Cataract treatment
In-patient hospitalization
Uterine Artery Embolization

Arogya Sanjeevani Policy (Cons)

No Eyesight correction expenses
Fertility expenses not covered
Nursing at home not covered
OPD expenses not covered
No Non-allopathic Treatment

Arogya Sanjeevani Policy (Other Benefits)

Floater benefit
Pre-existing diseases after 4 yrs
In-patient AYUSH treatment
Daycare procedures
Pre and post-hospitalisation

Arogya Sanjeevani Policy (Eligibility Criteria)

Entry Age - 18 Years
Maximum Entry Age - 65 Years
SI - 1 L to 5 L
Waiting Period - 30 Days

Personal Accident

Personal Protect Plan

The plan offers personal accident coverage on an individual and family floater basis, with coverage up to 25Lakhs.

Unique Features

Permanent Disability Covered
No pre-medical required
Worldwide coverage

Personal Protect Plan (Pros)

All Disablement Covered
Accidental Hospital Allowance
Rail accidents covered
Natural Peril Injury CFovered
No health check-up required

Personal Protect Plan (Cons)

Change of Gender Treatments
Cosmetic or Plastic Surgery
Dental treatment not covered
Maternity expenses not covered
No Global Coverge

Personal Protect Plan (Other Benefits)

No Injuries in terrorism covered
Hospital Daily Allowance Benefit
Accidental Hospital Allowance
Funeral Expenses covered
Children's Education Grant Benefit

Personal Protect Plan (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 3 L to 25 L
Waiting Period - 30 Days

Covid specific Plan

Corona Kavach Plan

A plan mandated by IRDAI that offers covers the hospitalization expenses if the insured is tested positive for Covid-19.

Unique Features

Flexible Sum Insured
Home-care treatment covered
Treatment for comorbid

Corona Kavach Plan (Pros)

Covid Hospitalization charges
Home Care Treatment Expenses
AYUSH Treatment Covered
Hospital Daily Cash
Flexible Policy Period

Corona Kavach Plan (Cons)

Dietary supplements expenses
Unproven Treatments expenses
Respite care not covered
Investigation Expenses
Rehabilitation not covered

Corona Kavach Plan (Other Benefits)

Inpatient hospitalization
Family Floater Benefit
In-patient treatment
Home care treatment
Post-hospitalisation

Corona Kavach Plan (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 50 Thousand to 5 L
Waiting Period - 15 Days

Senior Citizens

ICICI Lombard Golden Shield Plan

A senior citizen plan that covers medical expenses resulting from hospitalisation, health check-ups, day-care procedures and more.

Unique Features

Affordable Medical Care
Care Management Program
Reset Benefit

Golden Shield Plan (Pros)

Nursing at home
Free annual health check-ups
Air ambulance coverage
Tele consultations
AYUSH treatments

Golden Shield Plan (Cons)

Voluntary Deductible amount
Expenses Outside India
No Acupressure Treatments
2-Year Waiting Period
Obesity/Weight Control treatment

Golden Shield Plan (Other Benefits)

Pharmacy Cover up to Rs 2,000
Out-patient consultations
Can update a family member
Routine Diagnostics covered
Minor Procedure Covered

Golden Shield Plan (Eligibility Criteria)

Entry Age - 56 Years
Max Age -No Upper age limit
SI - 3 L to 10 L
Waiting Period -24 Months

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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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Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.

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