Critical Illnesses Covered Under ICICI Pru Term Insurance

What is ICICI Pru Critical Illness Cover?

ICICI Prudential Life Insurance offers critical illness coverage. The critical illness benefit pays out a lump sum amount upon the first diagnosis of any of the 64 listed critical illnesses, provided the policyholder survives for at least 30 days after the diagnosis (survival period).
This benefit is fundamentally different from a standard death benefit. it pays out while you are alive, specifically when you are most financially vulnerable. A cancer diagnosis, heart attack, or kidney failure does not just threaten your life, it immediately disrupts your income, drains your savings, and creates enormous medical expenses. The critical illness payout addresses this financial gap directly.

Key Highlights of the ICICI Pru CI Rider

The critical illness benefit under ICICI Prudential term insurance is designed to provide financial support when you are diagnosed with specified major illnesses. Key highlights include:

• Cover for major illnesses: Typically includes specified cancers, heart-related conditions (like heart attack or bypass surgery), organ failure, stroke, and certain neurological disorders.

• Lump sum on diagnosis: Once a covered illness is diagnosed and policy conditions (including any waiting and survival period) are met, the insurer pays a fixed lump sum.

• No linkage to hospital bills: Unlike indemnity-based health insurance, the payout amount doesn't depend on your actual treatment cost, you can use it for medical bills, income replacement, loan repayment, or anything else.

• Add-on to term cover: The Critical Illness benefit can be added to your term insurance, broadening protection to cover a major illness event, not just death.

• Everything is plan-specific: Illnesses covered, waiting period, survival period, and claim conditions vary by the ICICI Prudential term plan you select.

Note: It is suggested to calculate the term plan premium on the term insurance calculator online tool by Policybazaar before buying the plan.

ICICI Prudential Critical Illness List

Critical illness insurance policies and riders typically provide a lump-sum payout upon diagnosis of a specific, life-threatening condition. While the coverage of term insurance riders depends on your exact policy and its terms, the ICICI Prudential critical illness list generally includes conditions such as:

• Cancer of specified severity

• First heart attack of specified severity

• Open chest coronary artery bypass surgery

• Stroke resulting in permanent symptoms

• Kidney failure requiring regular dialysis

• Major organ or bone marrow transplant

• Multiple sclerosis with persisting symptoms

• Permanent paralysis of limbs

• Aorta graft surgery

• Benign brain tumour

• Coma of specified severity

• Motor neurone disease with permanent symptoms

• End-stage liver failure

• End-stage lung disease

• Deafness

• Loss of speech

• Loss of limbs

• Major head trauma

• Alzheimer's disease

• Parkinson's disease

The list of critical illness in ICICI term plans may vary based on the policy version and chosen coverage option. Customers should always refer to the policy document for the exact definitions and conditions applicable to each 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.

How the Payout Works: Accelerated vs. Additional

The payout structure of the ICICI critical illness policy depends on the term insurance variant selected.

Additional CI cover is naturally more valuable but usually comes at a higher premium. Always check the benefit illustration for your specific plan to see which structure applies; this single detail can significantly change the real value of the rider.

Note: Know what is term insurance first and then buy a term plan for your loved ones.

Why 64 Critical Illnesses Makes a Difference

Most term insurance plans in India cover 30 to 40 critical illnesses. ICICI Pru's coverage of 64 conditions is significant for several reasons:

• Wider disease coverage: Conditions like Ebola, Creutzfeldt-Jakob disease, Eisenmenger's syndrome, and retained foreign body in brain are extremely rare but financially devastating and are covered under ICICI Pru's extended list while being absent from most competitors.

• Women-specific conditions separately listed: Most plans include cancer as a single condition. ICICI Pru separately lists seven women-specific cancers such as breast, cervical, uterine, ovarian, fallopian tube, vaginal, and vulvar, ensuring women get explicit, unambiguous coverage for the cancers most likely to affect them.

• Cardiovascular breadth: Beyond heart attack and bypass surgery, the plan covers angioplasty, cardiomyopathy, pulmonary arterial hypertension, and surgery to aorta- conditions that are increasingly common among Indians in their 30s and 40s.

• Neurological depth: Alzheimer's, Parkinson's, motor neurone disease, multiple sclerosis, and muscular dystrophy are all included conditions that are financially devastating over a long term and often missed by competing plans.

What Affects the Critical Illness Rider Premium of ICICI Prudential?

The premium for an ICICI Pru critical illness rider depends on multiple factors, including your:

• Age at entry

• Critical illness sum assured

• Policy term

• Health condition and medical history

• Lifestyle factors such as smoking status

• Selected ICICI Prudential term insurance plan

Since the premium is personalized, the exact amount is provided by the insurer when you request a term insurance quote or receive the policy benefit illustration before purchasing the plan.

How to Download ICICI Prudential Critical Illness List PDF?

To download the ICICI Prudential Critical Illness list as a PDF, visit the ICICI Prudential Critical Illness Cover page and click on Download Product Guide. Alternatively, you can view the ICICI Pru iProtect Smart Illustrated Brochure for specific critical illness packages (e.g., 20CI or 60CI).

ICICI CI Rider Tenure Limit

The critical illness rider tenure is linked to the terms of the selected ICICI Prudential term insurance plan. The available rider term, maximum coverage age, and continuation conditions depend on the product chosen.

In most cases, the critical illness benefit remains active only during the rider term and expires once the rider tenure ends, even if the base life cover continues beyond that period.

Note: Check all the best term insurance plan in India.

Who Should Add the Critical Illness Rider To Their ICICI Pru Term Plan?

• Sole earning members of the family

• Individuals with a family history of serious illnesses

• Buyers in their 40s and 50s

• Self-employed and business owners

• Home loan borrowers

• Women with cancer family history

What is NOT Covered in ICICI Prudential Critical Illness Rider?

The ICICI Prudential Critical Illness (CI) Rider does not cover any illnesses diagnosed within a 90-day waiting period, conditions caused by pre-existing diseases, or non-diagnosed, unprescribed, and self-inflicted injuries. Below are the standard exclusions under the CI Benefit rider:

• Pre-Existing Diseases: Illnesses or medical conditions for which you received advice, care, or treatment up to 36 months before the policy start date.

• The Initial Waiting Period: Any Critical Illness diagnosed or showing symptoms within the first 90 days from the start of the policy cover.

• Self-Inflicted Injuries: Any condition arising directly or indirectly from intentional self-inflicted injury, suicide attempt, or taking drugs/alcohol.

• Criminal Acts: Claims originating from participation in criminal or illegal activities.

• War and Nuclear Events: Damage or illness caused by war, invasion, hostilities, or radioactivity.

• Hazardous Activities: Injuries sustained while engaging in high-risk activities like professional racing, aviation (other than as a fare-paying passenger), or underwater diving, unless specifically covered.

• Infections Related to HIV: Any illness resulting from Acquired Immunodeficiency Syndrome (AIDS) or HIV-related complications.

The exact exclusions vary based on the selected ICICI Prudential term insurance plan and rider terms.

Note: You should also check the benefits of term life insurance if you are planning to purchase the term insurance plan.

How to Add CI Rider to ICICI Pru Term Plan

Adding a critical illness benefit to your ICICI Prudential term insurance plan is a simple process:

Step 1: Choose an eligible term insurance plan

Select an ICICI Prudential term insurance plan that offers a critical illness benefit option.

Step 2: Select the critical illness coverage amount

Choose the critical illness sum assured based on your medical costs, income, liabilities, and financial responsibilities.

Step 3: Complete the health assessment

Provide your medical details and undergo any required medical examination as requested by the insurer.

Step 4: Pay the additional rider premium

The critical illness benefit is activated after payment of the additional premium and successful policy issuance.

How to Claim the ICICI Prudential Critical Illness Rider Benefit

If you're diagnosed with a covered critical illness during the policy term, you can file a claim for the Critical Illness Rider by informing ICICI Prudential as soon as possible and submitting the required documents. Once the claim is verified and approved, the eligible lump sum benefit is paid according to the policy terms and conditions.

Step 1: Intimate the Claim

You can register your claim through any of the following channels:

• Online via the ICICI Prudential ClaimCare Portal

• WhatsApp by sending "Claim" to 9920667766

• Calling the 24×7 ClaimCare helpline at 1800 2660

• Emailing claimsupport@iciciprulife.com

• Visiting your nearest ICICI Prudential branch

Step 2: Submit the Required Documents

Depending on the nature of the claim, you may be required to submit:

• Duly filled Critical Illness Rider claim form

• Medical records and diagnostic reports confirming the covered illness

• Treating doctor's certificate

• Hospital discharge summary and investigation reports (if applicable)

• Valid identity and address proof of the claimant

• Cancelled cheque or bank account details for claim settlement

The insurer may request additional documents, if required, during claim assessment.

Step 3: Claim Assessment and Payout

After receiving all the necessary documents, ICICI Prudential reviews the claim based on the policy's terms and conditions. If the claim is approved, the eligible lump sum benefit is transferred directly to the registered bank account of the claimant.

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