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).
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
However, today, with the advancement in medical science, solutions have been developed for virtually any ailment in the world. A study revealed that 50% of cancers are curable if detected early. But it has also led to rising costs of treatment. Click here to view high costs of medical care.
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.
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