ICICI Lombard Critical Care

ICICI Lombard’s Critical Care Insurance policy helps protect your savings by taking care of your medical expenses during those trying times. The Policy also offers financial support to help you cope with the lifestyle changes that you need to make post a critical illness or major accident, by offering you a lump-sum benefit of the entire sum insured on first diagnosis / undergoing of any of the nine listed Major Medical Illnesses and Procedures.

• Comprehensive cover and pure benefit policy offering lump-sum amount equivalent to sum insured just on first diagnosis / undergoing of any of 9 Major Medical Illnesses & Procedures, Death /Permanent Total Disablement (PTD) due to accident.
• Policy issuance does not require any health check-up.
• No survival period, benefit paid immediately on first diagnosis of the covered disease.
• Claim settled within 21 days of receipt of all required documents.
• For the issuance of the policy only a proposal form and medical declaration form needs to be filled
• Choose between a cover of Rs. 3 Lakh, Rs. 6 Lakh or Rs. 12 Lakh sum insured and policy duration between 1 year, 3 years or 5 years.
• Avail of tax benefit under section 80D of Income Tax Act on the premium applicable for major illness
• Get choice of coverage on both the sum insured and the tenure of the policy. Choose between a cover of Rs. 3 Lakh, Rs. 6 Lakh or Rs. 12 Lakh sum insured and policy duration between 1 year, 3 years or 5 years.

Accidental Death Cover
In case of death of the insured due to an accident within the policy term, the nominee (mentioned in the policy) is compensated with the Sum Insured.

Accidental Permanent Total Disablement (PTD) Cover
Critical Care insures against the permanent and total loss of limbs and sight due to an accident. The compensation (sum insured opted for) is given as a lump-sum benefit in event of claim being considered admissible.