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ICICI Pru Heart/Cancer Protect

Objective

The policy is designed to provide protection against cancer and heart diseases at a nominal cost.


Suited for

The policy is suited for anyone looking for financial protection against diagnosis of Cancer and major or minor heart diseases.


What does it do?

It pays a lump sum on first diagnosis of cancer or heart disease irrespective of actual medical expenditure. It pays out amount equivalent to 25% of the sum assured on diagnosis of listed minor conditions and 100% of the sum assured on diagnosis of the listed major disease.


Pros

Premiums paid under this plan qualify for deduction under Section 80D of Income Tax Act.


Cons

It has a 7 day survival period in case of heart diseases.


Our View

Critical Illness policies protects you financially in case of diagnosis of some major specified diseases. This policy covers Cancer and major/minor heart diseases. The policy has a no claim period of 6 months and pays out 25% only on the diagnosis of minor condition, which should be noted before buying to avoid any last minute surprises.

Eligibility
Entry Age (years) 
Minimum18
Maximum65
Maximum Policy Renewal Age (years)75
Coverage TypeIndividual/Family on Individual basis
Sum Insured (Rs) 
Maximum25 lakh for heart; 50 lakh for cancer
Minimum2 lakh
Premium Payment TermRegular or Single
Policy Term (years) 
Minimum5
Maximum40
Discount5% on the combined premium for the first year if you decide to protect your spouse as well.
Premium Loading6% for monthly premium mode and 3.5% for semi annual premium payment mode
Customer Service 
AddressICICI Prudential Life Insurance Co. Ltd. #1089, ICICI Prulife Towers, Appasaheb Marathe Road, Prabhadevi, Mumbai - 400025
Mail to[email protected]
Call to18602667766
Additions to the Plan
Scope Of Cover
Early Stage Cancers, Carcinoma-in-Situ of any organ (except skin)25% of Sum Assured
Cancer of specified Severity100% of Sum Assured
Angioplasty, Valvuloplasty, Carotid Artery Surgery, Implantable cardioverter defibrillato, Implantation of pacemaker of heart, infective endocarditis, Invasive Surgery of Aorta, Surgery for Cardiac Arrhythmia, Surgery to place Ventricular Assist Devices or Total Artificial hearts25% of Sum Assured
Cardiomyopathy, First heart attack (myocardial Infarction), Heart Transplant, major surgery of aorta, open chest CABG, open heart replacement or repair of heart valve, Primary pulmonary hypertension100% of Sum Assured
Exclusions and Waiting period
No claim period6 months
Survival period7 days in case of heart disease, 0 days in case of cancer
Pre-existing diseasesNot Covered