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ICICI Lombard Health Insurance Critical Illness Plans
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Critical illness policies are important for all-around healthcare coverage. They help save the lives of people diagnosed with life-threatening diseases like cancer, heart failure or aneurysm. In addition, critical illnesses can occur at any time so it is always better to be prepared for these kinds of medical emergencies. Therefore, getting a critical illness insurance policy from ICICI Lombard helps you prepare for any kind of incident that could occur suddenly at any moment.
ICICI Lombard health insurance offers critical illness coverage at an affordable rate under its various plans. In simple terms, ICICI Lombard's critical illness plans are designed to protect you in case of accidents, sickness or unforeseen circumstances that may befall you during your lifetime.
This page will go over the details of the ICICI Lombard health insurance critical illness plans.
ICICI Lombard Critical Illness Policy
In this fast-moving world, it is important to look after not just our health but also our family. Critical illnesses can happen, and it is extremely important to understand your policy before making any major decision or commitment. Critical Illness policies can be costly so it is important you choose the right policy for yourself or your loved ones. ICICI Lombard understands the high financial burden that can come with having a loved one falling ill, whether it's through illness or injury. That's why it provides critical illness insurance plans that give you peace of mind.
Benefits of ICICI Lombard Critical Illness Insurance Policy
Here are the benefits of ICICI Lombard critical illness insurance policies:
- Comprehensive Coverage
ICICI Lombard has always been a forward-thinking company when it comes to resolving life's uncertainties. In today's world, where unforeseen and critical illnesses can strike at any moment, ICICI Lombard Life offers comprehensive critical illness cover in three separate policies that cater to your needs, no matter what they may be. The iHealth insurance policies cover major illnesses like cancer, heart attack, organ transplant and others.
- Large Network of Hospitals
ICICI Lombard is the largest private sector insurance company in India, with a large network of hospitals across India and abroad. ICICI Lombard has a broad array of health services to meet the needs of your family, including specialist doctors and medical specialists, maternity care services and emergency health care. The company boasts over 6400 healthcare providers in the nation.
- Alternative Treatment
Alternative treatment coverage is important for health insurance policyholders. Alternative treatments include herbal remedies, homoeopathy and alternative therapies. The iHealth insurance policies cover in-patient AYUSH treatment.
- Tax Breaks
Section 80D of the Income Tax Act offers tax breaks to anyone who is paying health insurance premiums. For policyholders above the age of 60 years, the tax breaks are up to INR 50,000 and the same limit is reduced up to INR 25,000 for individuals below the age limit.
Key Features of ICICI Lombard Health Insurance Critical Illness Policy List
When it comes to critical illness insurance, many individuals and businesses look around for the best deals. However, when looking for insurance for such an important matter, things will get more expensive. Some insurers offer very affordable rates but can't cover all the essential options that your policy should.
Here are the key features of ICICI Lombard health insurance critical illness cover:
- COVID hospitalization is covered.
- Co-payment is not required.
- Pre-existing diseases are covered.
- No capped room rent makes you feel relieved.
- Fast claim settlements is one of the USPs
- 6400+ healthcare providers add to the list of benefits.
ICICI Lombard Health Insurance Critical Illness Policy List
ICICI Lombard doesn't have a specific critical illness plan. It covers critical ailments through its various plans with a critical illness add-on for an additional premium. Here are the ICICI Lombard health insurance critical illness plans:
1. iHealth
| Sum Insured | INR 2 lakhs – 50 lakhs |
| Age Requirement | 18 years for adults 3 months for children under individual coverage 6 years for children under family floater coverage |
| Plan Type | Individual / Family Floater |
Critical Illness Covered
- Specified severity cancer
- First heart attack
- Open chest CABG
- Permanent limb paralysis
- Bone marrow and major organ transplant
- Regular dialysis resulting from kidney failure
- End-stage liver failure
Coverage
- In-patient hospitalisation
- Pre-hospitalisation
- Post-hospitaliastion
- Day care treatment
- AYUSH treatment
- Domestic road ambulance
- Pre-existing diseases cover
- Wellness program
- Reset benefits
Optional Coverage Apart from Critical Illness Cover
- Hospital daily benefit
- Convalescence benefits
- Donor expenses
Value Added Services
- Free healthcare checkup
- Online chat with healthcare practitioner
- Specialist e-consultation
- Nutrition and diet e-consultaion
2. iHealth Plus
| Sum Insured | INR 2 lakhs – 10 lakhs |
| Age Requirement | 18 years for adults 3 months for children under individual coverage 6 years for children under family floater coverage |
| Plan Type | Individual / Family Floater |
Critical Illness Covered
- Specified severity cancer
- First heart attack
- Open chest CABG
- Permanent limb paralysis
- Bone marrow and major organ transplant
- Regular dialysis resulting from kidney failure
- End-stage liver failure
Coverage
- In-patient hospitalisation
- Pre-hospitalisation
- Post-hospitaliastion
- Day care treatment
- AYUSH treatment
- Domestic road ambulance
- Pre-existing diseases cover
- Maternity benefit
- Newborn cover
- OPD cover
- Wellness program
- Reset benefits
Optional Coverage Apart from Critical Illness Cover
- Hospital daily benefit
- Convalescence benefits
- Donor expenses
Value Added Services
- Free healthcare checkup
- Online chat with healthcare practitioner
- Specialist e-consultation
- Nutrition and diet e-consultation
3. Health Shield
| Sum Insured | INR 3 lakhs – 50 lakhs |
| Age Requirement | 18 years for adults 3 months for children under individual coverage 6 years for children under family floater coverage |
| Plan Type | Individual / Family Floater |
Critical Illness Covered
- Specified severity cancer
- First heart attack
- Open chest CABG
- Permanent limb paralysis
- Bone marrow and major organ transplant
- Regular dialysis resulting from kidney failure
- End-stage liver failure
Coverage
- In-patient hospitalisation
- Pre-hospitalisation
- Post-hospitaliastion
- Day care treatment
- AYUSH treatment
- Donor expenses
- Air road ambulance
- Emergency service
- ASI protector
- Wellness program
- Reset benefits
Optional Coverage Apart from Critical Illness Cover
- Hospital daily benefit
- Personal accident
- Home nursing
- Compassionate visit
- Claim protector
- Convalescence benefit
- Sum insured protector
- Super NCB
- Worldwide cover
Value Added Services
- Free healthcare checkup
- Online chat with healthcare practitioner
- Specialist e-consultation
- Nutrition and diet e-consultation
3. Health Elite
| Sum Insured | INR 3 lakhs – 50 lakhs |
| Age Requirement | 18 years for adults 3 months for children under individual coverage 6 years for children under family floater coverage |
| Plan Type | Individual / Family Floater |
Critical Illness Covered
- Specified severity cancer
- First heart attack
- Open chest CABG
- Permanent limb paralysis
- Bone marrow and major organ transplant
- Regular dialysis resulting from kidney failure
- End-stage liver failure
Coverage
- In-patient hospitalisation
- Pre-hospitalisation
- Post-hospitaliastion
- Day care treatment
- AYUSH treatment
- Donor expenses
- Air road ambulance
- Emergency service
- ASI protector
- Wellness program
- Reset benefits
Optional Coverage Apart from Critical Illness Cover
- Hospital daily benefit
- Personal accident
- Critical illness
- Home nursing
- Compassionate visit
- Claim protector
- Convalescence benefit
- Sum insured protector
- Super NCB
- Worldwide cover
Value Added Services
- Free healthcare checkup
- Online chat with healthcare practitioner
- Specialist e-consultation
- Nutrition and diet e-consultation
ICICI Lombard Health Insurance Critical Illness Plans FAQs
1. Do ICICI Lombard health insurance critical illness plans cover cancer?
Yes. Cancer is included in the ICICI Lombard health critical illness cover.
2. Does ICICI Lombard health critical illness policy require pre-acceptance medical tests?
ICICI Lombard health insurance critical illness plans only mandate pre-acceptance healthcare tests for policyholders over the age of 45 years.
3. Does the ICICI Lombard health critical illness policy cover maternity expenses?
No, maternity expenses are not covered by ICICI Lombard health insurance critical illness plans.
4. How to buy an ICICI Lombard health critical illness policy?
You can purchase an ICICI Lombard health critical illness policy by visiting the company's website and following the application instructions. Alternatively, you can do so through the Paytm Insurance website.
5. Does ManipalCigna Critical Illness Plans also offer coverage for the entire family?
Individual and family coverage are both offered by ManipalCigna critical illness plans.