Understand Critical Care

1. What is Critical Care?

ICICI Lombard brings you Critical Care Insurance; a first-of-its-kind policy that offers a lump-sum benefit on diagnosis of critical illness such as a heart attack, stroke, life-threatening cancer, paralysis or kidney failure. It comes with an additional cover against Personal Accident and Permanent Total Disablement (PTD).

2. Choice of Coverage

Sum Insured Rs. 5,00,000 or Rs. 10,00,000

Critical Care Policy offers a 3 or 5 year period cover on account of any of the following:

• Major Medical illness and procedures
• Accidental Death
• Permanent Total Disablement (PTD) on account of Accident leading to inability to remain gainfully employed

Major Medical Illnesses and Procedures 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. Bypass Surgery
3. Heart Attack
4. Kidney 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.

Accidental Death Cover

Compensation paid on death of insured person on account of bodily injury sustained in an accident within the policy period.

Permanent Total Disablement (PTD) Cover

Compensation paid for PTD on account of bodily injury sustained in a accident resulting in total and irrecoverable loss of use or the actual loss by physical separation of the limbs / sight. This compensation is payable provided the disablement results in inability to remain gainfully employed.
Click here for Permanent Total Disablement Benefits.

3. Need for Critical Care

• India is home to over 60 million coronary heart patients.
• India's economic loss due to heart related disease could be $236 billion till 2015.
• At any given time there will be 3 million cancer patients in India.

Source: World Health Organization (WHO)

Click here to visit our Critical Care Library to read articles on Cancer

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.

4. What is not covered?

Click here to view our Policy Exclusions.

Make a Claim

1. What documents do I need?

Critical Illness Claim

The documents required for making a Critical Illnesses Claim are as follows:

Doctor's Certificate confirming the following:

• Insured person's name
• Name, date of occurrence and medical details of the illness/surgery
• Confirmation of the absence of any pre-existing Illness or Injury within the first 3 months of policy start date
• Duly completed claim forms
• Original Discharge Certificate/ Card from the hospital/ Doctor
• Original investigation test reports, indoor case papers

Personal Accident Claim

The documents required for making a Personal Accident claim are as follows:

• Duly completed claim form
• Doctor’s Report
• First Information Report and Final Police report, wherever necessary
• Death certificate, wherever applicable
• Investigation Reports like Laboratory test, X-rays and reports essential of confirmation of the Injury
• Disability certificate from a government certified Doctor or government hospital confirming the extent and nature of disability
• Post mortem report, if applicable
• Any other supporting documents as may be required by the Company

2. How do I make a Claim?

• Log a claim by giving immediate notice in writing to the Company
  Critical Illness Claim: Intimate ICICI Lombard within 30 days from the date of diagnosis of the concerned illness/surgical procedure
  Personal Accident Claim: Intimate ICICI Lombard within 7 days from the date of occurrence of the accident/ injury
• Submit all reasonable documents - information, assistance and proofs in connection with any claim within 30 days from the occurrence of the event.

3. Whom to contact?

In case of a claim, you may write to the following address to log a claim:

ICICI Lombard General Insurance Co. Ltd.
2nd Floor, Zenith House, Keshavrao Khadye Marg,
Opp. Race Course, Mahalaxmi,
Mumbai – 400 034

Why Buy online

Why buy online at www.icicilombard.com? We give you a few of many reasons why -

• Highest Levels of Security: Click to view our security certifications:
  TRUSTe Privacy Seal Program
  VeriSign Certification
• 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 2-3 working days.
• 0% EMI option: You can pay online through ICICI Bank Credit Card at 0% EMI (interest-free EMI).
• No Paperwork

Critical Care Product Code: Misc 65