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Do you know what's the biggest risk in life?

You may think that death is the biggest risk you will ever face in life. Unfortunately, a critical illness is a much bigger risk. According to WHO Regional Advisor Kathleen A. Halloway, majority of Indians spend around 70% of their income on Medicines and Health Care*.

Today, thanks to major advances in medicine, it is possible to fight critical illnesses and emerge victorious. However, recovering from the financial impact of the medical treatment may not be as simple. That's why it is essential to have critical illness cover, so that you are financial secured if a life-threatening illness strikes.

Keeping this in mind, we present ICICI Prudential Smart Health Cover with ICICI Pru iProtect Smart - which provides extensive protection against 34 Critical illnesses^.

What is Critical Illness cover?

Critical illness cover provides a lump-sum payment if the policyholder is diagnosed with a serious health related condition like: Angioplasty, Cancer, Heart Attack, Kidney failure, Lung Disease, Liver Disease, etc.

What makes this plan special

Protection against 34 Critical Illnesses^

With ICICI Prudential Smart Health Cover, you get Critical Illness (CI) Benefit in case of 34 major illnesses. This means that if you are diagnosed with any of the covered illnesses, on first diagnosis, you will get the full sum assured as a lump sum payout.

The Critial Illness Benefit for Angioplasty is subject to a maximum of ₹ 5,00,000. On payment of the benefit for Angioplasty, if the Critical Illness Benefit is more than ₹ 5,00,000 the policy will continue for other Critical Illnesses with Critical Illness Benefit reduced by the Angioplasty payout and correspondingly Life cover reduced by the same amount. The future premiums payable for the residual CI Benefit and correspondingly reduced Life Cover will reduce proportionately.

Premium rate is fixed for the entire term

There will be no increase in premium as you grow older. So buy the plan early and choose the longest possible term, so that your premium is lower and stays the same for the entire term.

Protection against untimely death

The lump sum benefit is paid on first occurrence of either death or terminal illness and the policy terminates on payment of this benefit.

Guard against disability due to an accident

In case of permanent disability caused due to an accident, the policy will continue with all benefits for the entire term selected by you and you will not have to pay any more premium.

Receive lump sum Critical Illness (CI) Benefit amount irrespective of the actual billing

With the CI benefit, you can get cash payout without submitting any hospital bills. Only medical documents confirming diagnosis need to be submitted.
Product Snapshot
Premium starts from ₹ 2,400
Protection From 34 critical illnesses
Critical Illness Benefit Upto ₹ 25 Lakh
Claims Settlement Ratio 96.9% in FY 2016-17#
Tax Benefits Up to ₹ 54,075##


##Tax benefit of ₹ 54,075 is calculated at highest tax slab rate of 30.9% (including Cess) on insurance premium of ₹ 1,50,000 u/s 80C/80CCC and health premium of ₹ 25,000 u/s 80D of the Income Tax Act, 1961. Tax benefits under the policy are subject to conditions under Sec. 80C, 80D and Sec 10(10D) of the Income Tax Act, 1961. Applicable taxes will be charged extra as per prevailing rates. Tax laws are subject to amendments from time to time.
#As per Company Annual Report


At what age can the Life Assured start this plan?

The minimum age of the Life Assured is 18 years and the maximum age should not exceed 50 years.

How old should the Life Assured be when the plan ends?

The maximum age of the Life Assured at the end of the policy should not exceed 75 years.

How long does the policy last?

You can choose a policy term between 10 - 30 years. 

How many years do I have to pay premiums for?

For Regular Pay, the payment term is the same as the policy term. For Limited Pay, you need to pay premium for 5 years less than the policy term (i.e. if the policy term is 20 years, then you will have to pay for 15 years).

How much premium do I have to pay?

The Minimum Premium starts from 2400 per annum (excluding taxes).

How much Critical Illness Benefit can I choose?

You can select maximum Critical Illness Benefit of 25 lakh.


We settle your claim in 3 quick and simple steps

Step 1 – Claim Reporting

The first step involves reporting your claims. You can report your claims online, at our branches, at our central office, on our central ClaimsCare helpline, through SMS or e-mail*

Step 2 – Claim Processing

Our special ClaimCare team will assess your claim, and inform you within 8 calendar days in case any further documents need to be submitted.

Step 3 – Claim Settlement

Once your claim request is approved and we receive all the relevant documents, we will settle your claim within 12 calendar days.**


ICICI Prudential Smart Health Cover is designed with Life & Health variants of ICICI Pru iProtect Smart. You can choose to purchase other variants of the product as per your needs and there is no compulsion to purchase this variant.

*Source: (November 2, 2011)

^The critical illness benefit is an accelerated benefit and the death benefit will be reduced by the critical illness cover paid to the policyholder. To know more about the illnesses which are covered, please refer to the sales brochure.

Tax benefits under the policy are subject to conditions under Sec. 80C, 80D and Sec 10(10D) of the Income Tax Act, 1961. Applicable taxes will be charged extra as per prevailing rates. Tax laws are subject to amendments from time to time.

^^Only Doctors certificate confirming diagnosis to be submitted.

Terminal Illness: A Life Assured shall be regarded as Terminally Ill only if that Life Assured is diagnosed as suffering from a condition which, in the opinion of two independent medical practitioners’ specializing in treatment of such illness, is highly likely to lead to death within 6 months. The terminal illness must be diagnosed and confirmed by medical practitioners’ registered with the Indian Medical Association and approved by the Company. The Company reserves the right for independent assessment. Terminal illness due to AIDS is excluded. The definition of medical practitioner will be in line with Guidelines on Standardization in Health Insurance, and as defined below: Medical Practitioner is a person who holds a valid registration from the medical council of any state of India and is thereby entitled to practice medicine within its jurisdiction; and is acting within the scope and jurisdiction of his license. The Medical Practitioner should neither be the insured person(s) himself nor related to the insured person(s) by blood or marriage. Permanent Disability (PD) due to accident: On occurrence of PD due to accident, while the policy is in force, all future premiums for all benefits under the policy are waived. PD will be triggered if the Life Assured is unable to perform 3 out of the 6 activities of Daily Work: Mobility, Bending, Climbing, Lifting, Writing and Blindness. For details on Critical Illnesses definitions, Waiting period and exclusions, please refer to the product brochure of ICICI Pru iProtect Smart. UIN:105N151V03. W/II/1089/2016-17.