Critical Care Insurance Policy

Icici Lombard General Insurance

A policy that takes care of the medical expenses while protecting the savings is the ICICI Lombard’s Critical Care Insurance Policy.

The FEATURES of this plan are as under:

· Benefit paid immediately on first diagnosis of the covered major critical illnesses/procedures

· Comprehensive cover and pure benefit policy offering lump sum amount equivalent to sum insured just on first diagnosis/undergoing any of the 9 major illnesses, accidental death, permanent total disablement due to an accident

· This policy offers a choice on coverage of sum insured and tenure of the policy

· Customized coverage can be chosen from Rs.3 lacs, Rs.6lacs and Rs.12 lacsof sum insured

· Policy duration can be chosen from 1 year/3 years/5 years

· Major medical illnesses and procedure cover to be covered subsequent to 90 days from the policy start date:

· Cancer

·  Coronary Artery Bypass Graft Surgery

· Heart attack

· End stage renal failure

· Major organ transplant

· Stroke

· Paralysis

· Heart valve replacement surgery

· Multiple sclerosis

· In case of Accidental death cover, the nominee is compensated with the sum insured

· In case of permanent and total loss of limbs and sight due to an accident, compensation is given as a lump sum benefit

The EXCLUSIONS to this policy are:

Exclusions for the first 90 days:

· Any illness contracted within 90 days from the inception of the policy

Treatments of the diseases/ailments/illnesses mentioned below:

· Cataract

· Benign prostatic hypertrophy

· Myomectomy, hysterectomy unless due to malignancy

· Hernia, hydrocele

· Fistula in anus, piles

· Arthritis, gout, rheumatism

· Joint replacement unless due to accident

· Sinusitis and related disorders

· Stone in the urinary and biliary systems

· Dilatation and curretage

· Skin and all internal tumors/nodules/cysts of any kind including breast lumps unless malignant, adenoids/hemorrhoids

· Dialysis required for chronical renal failure

· Surgery on tonsils, adenoids, sinusitis

· Gastric and duodenal ulcers

Major exclusions:

· Any pre-existing illness

· Absence of doctor’s medical certificate confirming the first diagnosis

· Any congenital illness or condition

· Any medical procedure that is not medically necessary

· Any physical or mental condition that is specifically excluded in the policy

· Treatment related to birth defects

· Birth control procedures and hormonal replacement therapy

· Any treatment/surgery for change of sex

ELIGIBILITY:

· The minimum entry age is 20 years

· The maximum entry age is 45 years

· Policy can be renewed up to 50 years of age

PREMIUMS:

Age group/policy tenure	SI 3L	SI 3L	SI 3L	SI 6L	SI 6L	SI 6L	SI 12L	SI 12L
	1 yr	3 yrs	5 yrs	1 yr	3 yrs	5 yrs	3 yrs	5 yrs
20 – 25	900/-	2850/-	4767/-	1800/-	5700/-	9533/-	11400/-	19065/-
26 – 30	990/-	3243/-	5553/-	1980/-	6486/-	11105/-	12972/-	22210/-
31 – 35	1230/-	4079/-	6880/-	2460/-	8157/-	13759/-	16314/-	27517/-
36 – 40	1470/-	5061/-	9041/-	2940/-	10122/-	18082/-	20244/-	36164/-
41 – 45	2670/-	10073/-	18770/-	5340/-	20146/-	37540/-	40292/-	75080/-
46 – 50	5160/-	18166/-	42311/-	10320/-	36333/-	58911/-	72666/-	117822/-

The premium amounts are inclusive of all taxes.

The premiums paid towards these health insurance plans are tax exempted under section 80D of the Income Tax Act.

ICICI Lombard health insurances can also be bought online from www.icicilombard.com or they can be contacted on their toll free number 1800-209-8888

The POSITIVES of buying this particular insurance policy from ICICI Lombard are:

· Cashless claim facility

· Treatment can be taken from 3500+ network hospitals

· Arrangements for in-house health claim processing

· In-house wellness team

· No health check up for policy issuance

· No survival period. Benefit paid immediately on first diagnosis of the covered disease

· Free health check up coupon with every renewal, which is more than one year tenure