ICICI Lombard Critical Care
Objective
A policy that provides benefits of two policies under a single plan by covering critical illnesses and, accidental death and disability.
Our View
This policy is recommended as it serves the purpose of two policies in a single plate. It halves the effort required to handle two different policies. Free health check-up at the end of four years is more of an incentive to increase loyalty among customers.
Suited for
Anyone between 20 and 45 years of age is eligible to buy this policy on an individual basis.
What does it do?
It has been designed keeping in mind the supplementary policies that an individual buys in addition to a basic health policy to feel fully insured. It offers coverage of two different policies under a single policy. It pays a lump sum amount equal to the sum insured on confirmed diagnosis of any of the nine critical illnesses or accidental death or accidental permanent and total disablement. Apart from these, the policyholder will also be entitled to free health check-up after four consecutive claim-free years.
Pros
It will reduce paperwork.
This policy can be bought online.
Premium paid under this policy qualifies for deduction under section 80D of Income Tax Act.
Eligibility
Entry Age (years)
Minimum
20
Maximum
45
Maximum Policy Renewal Age (years)
50
Coverage Type
Individual
Sum Insured (Rs)
Maximum
12 lakh
Minimum
3 lakh
Policy Term (years)
1/3/5
Pre Policy Medical Check Up
Not required
Policy Termination
Either of the policyholder or insurer can terminate the policy by giving a 7 days notoce
Customer Service
Address
ICICI Lombard General Insurance Co. Ltd.
401-402, Interface Bldg; No.11,
Link Road, Malad (West),
Mumbai - 400064.
Mail to
[email protected]
Call to
1800 2666
Network Hospitals
Https://www.icicilombard.com/Content/ilom-en/Hospital_list/search.asp
Additions to the Plan
| Scope Of Cover | |
| Critical Illnesses | Covered |
| Cancer | covered |
| Coronary Artery Bypass Graft Surgery | covered |
| Myocardial Infarction(Heart Attck | covered |
| End Stage Renal Failure | covered |
| Major Organ Transplant | covered |
| Stroke | covered |
| Paralysis | covered |
| Heart Valve Replacement Surgery | covered |
| Multiple Sclerosis | covered |
| Accidental Death | covered |
| Accidental Permanent Total Disability(PTD) | pays upon permanent and total loss of limbs and sight due to an accident |
| Health Check-Up | covered upto Ra 1000 after every 4 consecutive claim free years with ICICI Lombard |
| Exclusions and Waiting Period | |
| Pre-existing disease | not covered |
| No claim period | 90 days from commencement of the policy |
| General Exclusions | congenital disease |
| Exclusions applicable to Accidental Death/ Permanent Total disability | permanent disablement prior to commencement of the policyAIDS or related condition |
Cost Details
| Annual Premium | ||||||||
| Age (in years) | Sum Insured (in Rs) | |||||||
| 3 lakh | 6 lakh | 12 lakh | ||||||
| Policy Term (years) | ||||||||
| 1 | 3 | 5 | 1 | 3 | 5 | 3 | 5 | |
| 20-25 | 816 | 2584 | 4322 | 1632 | 5167 | 8643 | 10336 | 17285 |
| 26-30 | 897 | 2941 | 5035 | 1795 | 5880 | 10068 | 11760 | 20136 |
| 31-35 | 1115 | 4155 | 6237 | 2230 | 7395 | 12474 | 14791 | 24947 |
| 36-40 | 1497 | 4589 | 8197 | 2666 | 9177 | 16394 | 18354 | 32787 |
| 41-45 | 2421 | 9132 | 19121 | 4842 | 18265 | 34034 | 36530 | 68069 |
| 46-50# | 5256 | 16469 | 38360 | 9357 | 32941 | 53410 | 65880 | 106819 |
| Premiums are exclusive of taxes | ||||||||
| # only renewals are allowed | ||||||||
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