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Critical Illnesses Covered Under ICICI Term Insurance

ICICI Term Insurance plans help secure the financial future of your family members and protect them from the eventualities of life. The unpredictability varies from critical illness, income loss, or the unfortunate passing of a loved one. A term insurance plan provides financial protection in case of such unfortunate events. At the time of buying a term insurance plan in India, you have the option to increase the protection cover by paying a slightly increased premium amount, offering more security to you and your loved ones. 

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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
Angioplasty 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 Alzheimer’s disease
Cardiomyopathy Multiple Sclerosis with persisting Symptoms
Blindness Parkinson’s Disease
Open Chest CABG Muscular Dystrophy
Major Organ/Bone Marrow Transplant Poliomyelitis
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 Deafness
Apallic Syndrome Systematic Lupus Erit with Involvement of Renal
Benign Brain Tumor Medullary Cystic Disease
Coma of Specified Severity Aplastic Anaemia
Brain Surgery 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.

Benefits of ICICI Term Insurance Plan with Critical Illness Rider

  1. Security for You

    High sum assured at low premium rates so that your family members are financially secured!

  2. Critical Illness Benefit

    Guaranteed payout in case of 34 life-critical illnesses up to Rs.1 Crore!

  3. Tax Benefits

    Get Tax Benefits u/s 80C and 80D of the Income Tax Act, 1961!

  4. Accidental Death Benefit

    The nominee/beneficiary will be paid the accidental death benefit sum assured in case of death because of an accident.

  5. Protection Against Disability

    Your plan continues without paying premiums by you in case of permanent disability

  6. 100 Percent Payout

    Full sum assured amount is paid, if diagnosed with a terminal illness

    *Note: Terminal illness meaning is that it is a fatal disease that cannot be cured and is likely to lead to death of the patient.

Points to Keep In Mind While Buying ICICI Term Insurance With Critical Illness Cover

  • If the maximum term of the plan is 30 years, then the coverage of the plan continues even after the claiming of payouts.

  • Save taxes u/s 80C and 80D of the ITA, 1961.

  • The amount of benefit payable is equivalent to the critical illness cover that the life assured has selected.

  • The total sum assured amount as selected under the plan is paid in case of death or total permanent disability of the policyholder.

  • The death claim can be settled within 21 days of receiving the receipt of all the important documents.

  • The policy buyer can easily avail of the plan online by paying premium amounts in installments.


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