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ICICI Lombard Critical Care

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ICICI Lombard Critical Care Health Insurance Plan

 

ICICI Lombard Critical Care is a pure benefit policy that pays a lump-sum amount on diagnosis of any of the 9 critical illnesses mentioned below. It also covers accidental death and permanent total disability caused to the insured due to accidents.

  

 

Key Features of ICICI Lombard Critical Care Health Insurance Plan

 

  • Pays benefit as a lump-sum amount on the first diagnosis itself
  • No health check-up required for application
  • No survival period
  • Provides for Accidental Death /Permanent Total Disablement (PTD) due to accident

 

 

What is covered in ICICI Lombard Critical Care Health Insurance Policy?

 

  • In case of Accidental Death of the insured, the nominee is given the sum insured
  • Benefits are also paid in case an accident results in Permanent total disability of the insured
  • On first diagnosis of any of the below mentioned critical illness, the insured gets a lump sum amount as benefit – 
    • Cancer
    • Heart attack
    • Stroke
    • Paralysis
    • End stage renal failure
    • Major Organ Transplant
    • Coronary artery bypass graft surgery
    • Heart valve replacement surgery
    • Multiple sclerosis

 

 

Additional Benefits of ICICI Lombard Critical Care Health Insurance Insurance Policy

 

Benefit paid immediately on first diagnosis of major  medical illness

 

 

Eligibility and Restrictions of ICICI Lombard Critical Care Insurance

 

 

 

Minimum

Maximum

Coverage Amount (in Rs.)

3,00,000

12,00,000

Policy Term (in years)

1

5

Entry Age (in years)

20

45

Renewable till Age (in years)

-

50

 

 

Family floater policy will cover

 

  • Self
  • Spouse

 

 

Exclusions - What is not covered in ICICI Lombard Critical Care Insurance?

 

  • First 90 days from policy start date
  • Absence of doctor’s medical certificate
  • Claims arising out of sickness or illness
  • Self-injury or suicide
  • Engagement in dangerous activities
  • Mental disorder
  • Childbirth or pregnancy related illness
  • Pre-existing conditions
  • Self-medication
  • Diseases existing at birth (congenital)

 

 

 

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