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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.


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.


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.

Eligibility
Entry Age (years) 
Minimum20
Maximum45
Maximum Policy Renewal Age (years)50
Coverage TypeIndividual
Sum Insured (Rs) 
Maximum12 lakh
Minimum3 lakh
Policy Term (years)1/3/5
Pre Policy Medical Check UpNot required
Policy TerminationEither of the policyholder or insurer can terminate the policy by giving a 7 days notoce
Customer Service 
AddressICICI Lombard General Insurance Co. Ltd.
401-402, Interface Bldg; No.11,
Link Road, Malad (West),
Mumbai - 400064.
Mail to[email protected]
Call to1800 2666
Network HospitalsHttps://www.icicilombard.com/Content/ilom-en/Hospital_list/search.asp
Additions to the Plan
Scope Of Cover
Critical IllnessesCovered
Cancercovered
Coronary Artery Bypass Graft Surgerycovered
Myocardial Infarction(Heart Attckcovered
End Stage Renal Failurecovered
Major Organ Transplantcovered
Strokecovered
Paralysiscovered
Heart Valve Replacement Surgerycovered
Multiple Sclerosiscovered
Accidental Deathcovered
Accidental Permanent Total Disability(PTD)pays upon permanent and total loss of limbs and sight due to an accident
Health Check-Upcovered upto Ra 1000 after every 4 consecutive claim free years with ICICI Lombard
Exclusions and Waiting Period
Pre-existing diseasenot covered
No claim period90 days from commencement of the policy
General Exclusionscongenital disease
Exclusions applicable to Accidental Death/ Permanent Total disabilitypermanent disablement prior to commencement of the policyAIDS or related condition
Annual Premium
Age (in years)Sum Insured (in Rs)
3 lakh6 lakh12 lakh
Policy Term (years)
13513535
20-25816258443221632516786431033617285
26-308972941503517955880100681176020136
31-3511154155623722307395124741479124947
36-4014974589819726669177163941835432787
41-452421913219121484218265340343653068069
46-50#525616469383609357329415341065880106819
Premiums are exclusive of taxes
# only renewals are allowed

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