ICICI Lombard Critical Care

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.

• 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

• 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

Benefit paid immediately on first diagnosis of major  medical illness

• Self
• Spouse

• 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)