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ICICI Lombard Health Insurance
ICICI Lombard Critical Illness
Critical Illness Insurance plans are designed to protect the policyholder against the expenses that may occur during the treatment of any of the listed critical illnesses in a certain policy. At present, there are several health insurance plans that provide coverage against critical illnesses with an in-built cover or provide you with a critical illness optional cover. ICICI Lombard critical illness plans are a versatile option when it comes to safeguarding yourself against multiple critical illnesses.
ICICI Lombard Critical Illness plans cover essentials such as doctor consultation fees, medicines, ambulance costs, and room rent along with pre and post-hospitalization expenses. ICICI Critical Illness policy also aids in paying the EMIs of loans if any. If you have any outstanding loans like a home loan or a car loan, ICICI critical illness policy aids you in clearing the same along with protecting you from critical illnesses.
Key Benefits of ICICI Lombard Critical Illness
ICICI Lombard Critical Illness policy offers policyholders the financial support they need and helps keep their hard-earned savings intact for their respective objectives.
- Tax Benefit
When you invest in an ICICI Critical Illness Policy you are eligible to avail of tax benefits under Sections 80C & 80D of the Income Tax Act, 1961. - Multiple Critical Illnesses
With ICICI Lombard Critical Illness Policy policyholders can avail coverage for themselves and their loved ones against over 34 critical illnesses. - Disability Protection
Under ICICI Critical Illness Policy policyholders get continued coverage without having to pay any premiums in case of permanent disability due to an accident. - Hassle-free Hospitalization
ICICI Critical Illness Policy is designed carefully to cater to the medical needs of policyholders, which involves seamless hospitalization and a hassle-free process. ICICI Lombard ensures cashless hospitalization in their wide chain of network hospitals across the country. - Organ Donor & Critical Illness Benefit
ICICI Critical Illness Plans cover you in difficult times of medical extremities such as organ donation and critical illness. ICICI Critical Illness offers a lump sum benefit of up to 100% of the sum insured for a plan with SI up to INR 10 lac for critical illness cover.
ICICI Lombard Critical Illness Plans Eligibility Criteria
Entry Age
Minimum: 18 Years
Adult Entry Age.
Maximum: 65 Years
Policy Term
1/2 Years
Plan Type
Individual/ Family Floater
Sum Insured
2 L | 5 L | 10 L | 20 L | 50 L | 1 Cr | 2 Cr | 3 Cr
Initial Waiting Period*
30 Days*
ICICI Lombard Critical Illness Plan- Illnesses Covered
The list of ailments covered under the ICICI Lombard Critical Illness Plan is as follows:
- Cancer of Specified Severity
- Myocardial Infarction (First Heart Attack of Specified Severity)
- Coronary Artery Disease
- Open Chest CABG
- Open Heart Replacement or Repair of Heart Valves
- Surgery to Aorta
- Stroke resulting in Permanent Symptoms
- Kidney Failure requiring Regular Dialysis
- Aplastic Anaemia
- End Stage Lung Disease
- End Stage Liver Failure
- Coma of Specified Severity
- Third Degree Burns
- Major organ /bone marrow transplant
- Multiple Sclerosis with Persisting Symptoms
- Fulminant Hepatitis
- Motor Neurone Disease with Permanent Symptoms
- Primary Pulmonary Hypertension
- Terminal Illness
- Bacterial Meningitis
ICICI Lombard Critical Illness Plan Inclusions
Inclusions of ICICI Lombard Critical Illness Plan include:
Pre and post-hospitalization expenses
Annual Health Check-up
Daycare Treatments
COVID-19 treatment
Ambulance cover
AYUSH coverage
Domiciliary Hospitalisation
ICICI Lombard Critical Illness Plan Exclusions
Exclusions of ICICI Lombard Critical Illness Plans include:
Hospitalization out of war, riot, strike, and nuclear weapons
Intentional self-injury
AIDS
Adventure Sports Injuries
Cosmetic or obesity-related surgeries
