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  • ICICI Lombard Critical Care Health Insurance Plan

    ICICI Lombard Health Insurance

    Critical Illness can be challenging physically and mentally not to mention the financial toll it will take on a person. It is hard to meet the medical expenses incurred from a critical illness and that is why ICICI has come up with a new health insurance plan just for those suffering from critical illnesses or to prevent the costs that you might incur if you ever suffer from a critical illness.

    ICICI Lombard Critical Care is designed especially for a working professional who lives on a fixed income. The plan provides quality health insurance at a low cost along with a wide range of benefits such as immediate benefit, total and permanent accidental disability. The plan is well suited for working professionals and entrepreneurs.

    Features and Benefits of ICICI Lombard Critical Care:

    Listed below are the features and benefits of ICICI Lombard Critical Care:

    Eligibility age

    Minimum age- 20 years

    Maximum age-45 years

    Basis

    Individual basis

    Policy term

    1, 3 and 5 years

    Renewability

    There is a lifetime indemnity limit if the policy is renewed continuously

    Sum Insured

    Minimum sum insured- Rs.12 lakh

    Maximum sum insured- Rs.3 lakh

    Cover offered

    • The policy covers hospitalisation charges
    • The policy covers all critical illnesses
    • Offers cover for cancer
    • Offers cover for Coronary Artery Bypass Graft Surgery
    • Offers cover for Myocardial infarction
    • Provides cover for end stage renal failure
    • Offers cover for major organ transplant, stroke.
    • Offers cover for paralysis
    • Heart valve replacement surgery is covered under the plan
    • Multiple sclerosis and accidental death is covered under the plan

    Discount

    A family discount of 5% is applicable on the policy

    Co-payments

    The policyholder is expected to bear 20% of admissible claim in case of medical treatment at a non-empanelled hospital. Waiver of co-payment can be availed in case of payment of extra premium.

    Benefits

    Listed below are the benefits of ICICI Lombard Critical Care

    • Onetime payment- The insurance plan offers a onetime lump sum amount to the insured which can be used by the insured in whatever way they want
    • The amount can be used for different financial liabilities such as repayment on outstanding loan amount and other cases
    • If an individual is below the age of 45 years, they can easily avail the policy without any health check up
    • The policy does not have minimum survival benefit and the benefit is paid out immediately based on the first diagnosis itself
    • The policy provides compensation to the nominee in case of accidental death of the insured other than offering cover for 9 major critical illnesses.
    • The policy can be availed easily online by making online premium payments

    Exclusions

    Listed below are the exclusions that are not covered by the health insurance plan.

    • The policy does not cover pre-existing diseases
    • The policy does not offer cover for congenital disease
    • Permanent disability prior to commencement of the policy is not covered
    • AIDS is not covered under the policy
    • Health check-up is covered up to Rs.1000 only after 4 consecutive claim free years

    Other Health Insurance Plans from ICICI Lombard:

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