ICICI Lombard Critical Illness Plans

A few benefits provided by ICICI Lombard Health Insurance critical cover are as follows:-[1]

• Tax Benefits:- Certain tax deductions are available to policyholders under Section 80D of the Income Tax Act, 1961. This benefit of deduction is provided on the premium the customer pays on their critical illness plan.
• Income Substitute:- A critical illness cover can help reduce a customer’s financial load so that they can focus those finances on personal use. Taking loans, selling off their house, etc. are problems faced in paying medical bills because of the increasing costs. Personal problems will be dissolved with the help of critical illness coverage as they cost more than any other medical treatment.
• Covers Major Illnesses:- 9 major critical illnesses are covered under ICICI Lombard critical illness cover. Having coverage for some of the most serious illnesses will help a policyholder recover faster as their sole focus will be on recovery.
• High Coverage:- Critical illness health insurance plans cover provides high coverage to the policyholder. Critical illness-related treatments are costlier compared to other treatments because these illnesses usually take longer periods to heal. The ICICI Lombard critical illness add-on covers all the expenses during the treatment and recovery.
• Peace of Mind:- While battling with a serious illness an individual needs to have a peaceful mind. Financial problems and constant worry over those problems can cause stress to one's mental health slowing the recovery process. Critical Illness cover helps a customer have a peaceful mind and a stressless recovery.

ICICI Lombard provides critical illness coverage as an add-on to their plans. The customer has the benefit of choosing if they want to add this rider to their policy while customizing it. Most of the plans under ICICI Lombard Health Insurance have critical illness available as an add-on.

The table shows a few of the advantages of the coverage under critical illness rider:-

The critical illnesses covered under this cover are:-[2]

• First Heart Attack of a Specified Severity
• Cancer of Specified Severity
• Stroke Resulting in Permanent Symptoms
• Kidney Failure Requiring Regular Dialysis
• Multiple Sclerosis with Persisting Symptoms
• Permanent Paralysis of Limbs
• Open Heart Replacement or Repair of Valves
• Major Organ/ Bone Marrow Transplant
• Open Chest CABG

ICICI Lombard Health provides critical illness as a rider in their health insurance plans. The eligibility criteria for adding this cover to the base policy may depend on the type of plan bought by the customer. The overall criteria however falls within 18 years to 65 years of age.

InsuranceDekho provides both online and offline procedures to buy critical illness coverage. You can also reach out to ICICI Lombard to purchase the policy and customize it with critical illness coverage.

Online Process:-

From InsuranceDekho:-

Step 1:- Visit InsuranceDekho website

Step 2:- Enter your details

Step 3:- Select a plan showcased according to your details (you can customize the plan with the critical illness add-on while choosing the plan)

Step 4:- Make the payment of the premium

Step 5:- You will receive a call from an InsuranceDekho advisor for policy issuance.

From ICICI Lombard:-

Step 1:- Visit the official ICICI Lombard Health Insurance website.

Step 2:- Select the Health Insurance tab.

Step 3:- Fill in your details.

Step 4:- Customize your policy by adding critical illness cover to your base policy.

Step 5:- Make the payment.

Step 6:- You will get an instant message or mail regarding your customized policy.

Offline Process:

You can connect with an InsuranceDekho advisor for assistance on 7551196989. InsuranceDekho also provides in-house assistance to customers where the advisor will visit you to explain and move forward with the process of buying the plan.

Note:- You can also customize your base policy during the time of renewal where you can add riders.

The following documents are required while purchasing a policy:-

• Copy of the proposal form and OTP verification
• Proof of age
• Address proof
• Medical reports
• Passport-size photograph

InsuranceDekho

Email:-support@insurancedekho.com

Helpline Number:- 7551196989

ICICI Lombard

Email:- customersupport@icicilombard.com

Helpline Number (Toll-Free):- 18002666

Alternate Number (Chargeable):- 8655222666