What is an ICICI Critical Illness Cover?
ICICI Critical Illness Cover is the coverage offered for a long time and serious illnesses that generally needs costly medical treatment. The diseases covered could be heart disease, paralysis, cancer, liver diseases, loss of limbs, third-degree burns, etc. The coverage that is offered helps to secure your and your family member's peace of mind. According to this plan, the insurance company offers a lump sum payment on the diagnosis of a critical illness.
What are the Critical Illnesses Covered Under ICICI Term Insurance?
You can easily buy a specially designed ICICI Term Insurance plan that covers the following critical illnesses:
|Critical Illnesses Covered Under ICICI Term Insurance
|Cancer of Specified Severity
||Permanent Paralysis of Limbs
||Major Head Trauma
|Myocardial Infarction (1st heart attack of specified severity)
||Stroke resulting in permanent symptoms
|Surgery to Aorta Heart & Artery Benefit
||Permanent paralysis of limbs
|Valve/Heart Surgery (Open Heart Replacement or repair of Heart Valves)
||Motor Neuron Disease with Long-lasting Symptoms
|Primary (idiopathic) Pulmonary Hypertension
||Multiple Sclerosis with persisting Symptoms
|Open Chest CABG
|Major Organ/Bone Marrow Transplant
|End Stage Liver Failure (Chronic Liver Disease)
||Loss of Independent existence
|End Stage Liver Failure (Chronic Lung Disease)
||Loss of Speech
|Kidney Failure Requiring Regular Dialysis
||Systematic Lupus Erit with Involvement of Renal
|Benign Brain Tumor
||Medullary Cystic Disease
|Coma of Specified Severity
||Loss of Limbs
|Third Degree Burns (Major Burns)
How Does ICICI Critical Illness Cover Work?
In this, the policyholder receives a lump sum amount on the diagnosis of a critical illness that is already mentioned in the plan. As per the T&Cs of the policy, diagnosis of a critical ailment may either terminate or continue the plan. Therefore, it is important to go through the coverage before choosing the term rider.
Apart from all this, the policyholder can also opt for hospitalization and non-hospitalization expenses.