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Critical Care Insurance
Critical Care protects you or your spouse against loss of income on diagnosis of any of the 9 major medical illnesses and procedures. The first of its kind, it offers a lump sum benefit on diagnosis of Cancer, Bypass Surgery, Heart Attack, Kidney Failure, Major Organ Transplant, Stroke, Paralysis, Heart Valve Replacement Surgery or Multiple Sclerosis. Critical Care Insurance also provides cover against accidental death and permanent total disablement (PTD).
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Policy Details
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| Policy Coverage
Critical Care offers you a choice of coverage on both the sum insured and the tenure of the policy. You can choose the sum insured of Rs 3, 6 or 12 Lakhs over a period of 1, 3 or 5 years. The premium would be calculated accordingly.
The policy provides lump sum benefit on diagnosis of any of 9 Critical Illnesses, Accidental Death and Permanent Total Disablement (PTD).
 | Critical Illness Cover
The Critical Care Insurance shall cover, subsequent to 90 days from the policy start date, the following major medical illnesses and procedures:
1. Cancer
2. Coronary Artery Bypass Graft Surgery
3. Myocardial Infarction (Heart Attack)
4. Kidney Failure (End Stage Renal Failure)
5. Major Organ Transplant
6. Stroke
7. Paralysis
8. Heart Valve Replacement Surgery
9. Multiple Sclerosis
Click here to view details of illnesses covered.
On diagnosis of any of the above illnesses, the insured is entitled to the lumpsum benefit of the entire Sum Insured opted for. |
| Accidental Death Cover
In case of death of the insured due to an accident within the policy period, the nominee (mentioned in the policy) is compensated with the Sum Insured (opted at the time of policy issuance). |
| Permanent Total Disablement (PTD) Cover
Critical Care insures against the permanent and total loss of limbs, sight etc., due to an accident. The compensation (Sum insured opted for) is given as a lump sum benefit. It is to be noted that the compensation is payable only if the disablement results in inability to remain gainfully employed.
Click here for Permanent Total Disablement Benefits. |
Exclusions applicable to Critical Illness:
90 Days Exclusion:
Any illnesses and procedures within 90 days from start date of policy will not be covered. This clause does not apply for subsequent renewal (without a break) of this policy with us.
Permanent Exclusion
The Company shall not be liable under this policy for:
| Any Pre-Existing illness |
| Absence of submission of Doctor's medical certificate confirming the diagnosis of Illness or Injury or undergoing of medical/surgical procedure |
| Any congenital Illness or condition |
| Any medical procedure or treatment, which is not medically necessary or not performed by a Doctor |
| Any physical, medical or mental condition, illness, injury or treatment or service which is specifically excluded under the Policy |
| Treatment relating to birth defects and external congenital Illnesses |
| Birth control procedures and hormone replacement therapy |
| Any treatment/ surgery for change of sex or any cosmetic surgery or treatment |
| Treatment by family member and self-medication or any treatment that is not scientifically recognized |
Exclusions applicable to Personal Accident:
The Company shall not be liable under this policy for:
| Compensation/claim under more than one of the categories specified in the Policy Coverage in respect of the same period of disablement of the Insured Person |
| Claims arising out of sickness/illness |
| Death, injury or disablement of Insured Person
a) From intentional self-injury, suicide or attempted suicide
b) Whilst under the influence of intoxicating liquor or drugs
c) Directly or indirectly caused by venereal disease or AIDS
d) Directly or indirectly caused by contributed to or aggravated or prolonged by childbirth or pregnancy or in consequence thereof.
e) Engagement in dangerous activities
f) Mounting into, dismounting from or traveling in any aircraft other than as a fare paying passenger on a scheduled flight
g) Mental disorder or psychosomatic dysfunction |
| Permanent Total Disablement prior to commencement of the policy |
For more details, kindly refer to the Policy Wordings.
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| Back to top | | | Key Benefits
| Comprehensive Cover - Lump sum benefit on diagnosis of any of 9 Critical Illnesses, Personal Accident and Permanent Total Disablement (PTD) Cover. |
| Choice of coverage - Choose between Rs. 3, 6 or Rs. 12 Lakh sum insured and a policy duration of 1, 3 or 5 years. |
| Avail tax benefit under section 80D of Income Tax Act. |
| No health check-up required. |
| No 30 day survival period, benefit paid immediately on diagnosis. |
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| Back to top | | | Eligibility
| The insured can be either you or your spouse |
| The insured needs to be between 20 - 45 years of age |
| Age is calculated as on the date the policy is issued (i.e.age completed as on his last birthday) |
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| Back to top | | | Why Buy Online
Why buy online at www.icicilombard.com? We give you a few of many reasons why -
| Digitally signed policy is available 24X7 online, customer can take prints instantly. The hard copy of the policy is couriered the same day (or next day if customer buys after 6 PM) and will reach him/her within 10 working days. |
| Choose from multiple payment options - credit card, net banking (direct debit) and cheque / demand draft. |
| 0% EMI option: You can pay online through ICICI Bank, Citibank & HDFC Bank Credit Card at 0% EMI (interest-free EMI).
Note: EMI option subject to minimum annual premium of Rs. 1500. Click here to know more. |
| No Paperwork |
(subject to the discretion of the Bank)
Critical Care Product Code: Misc 65
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