Complete protection from heart diseases and Cancer
I want Heart + Cancer cover ofHelp This cover includes:
- Heart and Cancer cover
- Waiver of premium in case of any claim
- Hospital Benefit
- Monthly Income Benefit
- Increasing Cover Benefit
Term : 5 Year
Payment mode: Regular Premium
All future premiums waived off in case of a claim
Total Premium (You + Spouse) :
Rajeev recovered effectively without inflicting any financial hardships on his family!
Rajeev is a civil engineer aged 37. Aware of the steep costs involved in treatment of illnesses like heart ailments and cancer, he looks out for a specialized plan along with his existing health insurance. After researching online, he buys a heart cover of Rs. 25 Lakhs under ICICI Pru Heart/Cancer protect with the increasing cover rider, which adds Rs 2.5 lakhs (10% of base cover) to his sum assured every year. He saves on his premium by taking the Single Pay option, and is able to save taxes under section 80D that year. In the final year of the policy, Rajeev suffers a heart attack and is in need of an immediate surgery, ICICI Pru Heart/Cancer Protect pays out 100% of the sum assured immediately, to help him carry out the surgery in a facility of his choice. It also pays out Rs. 12.5 lakhs as increased cover (Rs. 2.5 lakhs*5) as he had smartly chosen the rider.
Quality care, along with determination leads Radhika to a full recovery !
Radhika is a media professional aged 35. Skeptical about her existing health insurance policy being sufficient, she looks out for a specialized health plan. After considering various plans online, she buys a cancer cover for 50 lakhs under ICICI Pru Heart/Cancer Protect with the income benefit option, which pays her 1% of total cover monthly for five years, as an income replacement. She saves on her premium using the single pay option (5 Years), and gets tax benefits under section 80D. In the fourth year, she gets diagnosed with breast cancer. The plan comes into force as soon as she is diagnosed and pays out 100% of the cover to let her start treatment in a facility of her choice. The income benefit also starts paying out Rs.50,000 monthly to help her family meet their needs despite her condition.
Presenting ICICI Pru Heart/Cancer Protect, a new age health insurance plan which covers listed conditions of Heart ailments & Cancer.
The plan pays you the claim amount on detection1 - without any medical bills. You can now get access to the best doctors, hospitals and treatment without worrying about costs; thus ensuring you are well prepared to win the battle against these illnesses.
Immediate claim amount on detection of heart disease and cancer1
Affordable premiums of Rs. 100/month for a heart cover of 7 lakhs or a cancer cover of 20 lakhs2
Get treatment in any hospital of your choice
5% discount if you purchase it with your spouse3
Opt for increasing cover year on year to fight medical inflation4
Tax benefit u/s 80D5
Opt for daily cash benefit of Rs. 5000 as hospital benefit6
1 - The claim payout is based on the severity of the listed conditions. The payout is subject to validation of requisite documents like, claim form, original policy document, medical documents/investigation report supporting the diagnosis, doctors certificates etc. confirming the diagnosis. Additional documents, if any may be called for on a case to case basis. In any case the total payout in the policy cannot exceed 100% of the sum assured of the cover selected. Please read the sales brochure carefully to know more about the payouts at different level of conditions. 2- Cancer Cover Disclaimer - The above mentioned premium rate is for a 29 year old healthy non-smoker male for a term of 20 years, monthly premium payment frequency and without any additional benefits. ICICI Pru Heart/Cancer Protect annual premium for Rs. 20 lakhs Cancer Sum Assured is Rs. 1,200. Applicable taxes are additional to the mentioned premium. Heart Cover Disclaimer - The above mentioned premium rate is for a 28 year old healthy non-smoker male for a term of 20 years, monthly premium payment frequency and without any additional benefits. ICICI Pru Heart/Cancer Protect annual premium for Rs. 7 lakhs Heart Sum Assured is Rs. 1,200. Applicable taxes are additional to the mentioned premium. 3 - A discount of 5% on the first year’s premium will be offered on purchase of ICICI Pru Heart / Cancer Protect when life assured and his/ her spouse is covered under the same policy. The policy benefits of both the Lives Assured shall be independent of each other. The Sums Assured of both the lives could be different. A claim made by one Life Assured under the policy does not affect benefits of other Life Assured. This Family benefit has to be chosen at the inception of the policy only, spouse cannot be added once the policy is issued. This discount is not applicable on Single Pay Policy. With one policy, you can avail either Family Benefit or Loyalty Benefit. 4 - With Increasing Cover Benefit, the Sum Assured chosen at inception increases by 10% simple interest on each policy anniversary, for every claim free year. The maximum Sum Assured under the cover will be capped at 200% of the Sum Assured chosen at inception. This increase in Sum Assured will stop on occurrence of first claim under the cover. Where Cancer cover and Heart cover are chosen together, the Sums Assured for both the covers increase by 10% simple interest on each policy anniversary, for every claim free year. The maximum sum assured will be capped at 200% of the Sum Assured chosen at inception for each type of cover. In case of occurrence of first claim under any one type of cover, the increase in Sum Assured will stop for that cover type and Increasing Cover Benefit will continue for the other type of cover, for which no claim has occurred. 5 - Tax benefits will apply to the premiums paid and benefits received as per the prevailing tax laws. Tax benefits under the policy are subject to conditions u/s 80D of the Income Tax Act, 1961. Indirect taxes and applicable cesses will be charged extra over the premium amount as per the applicable rates. Tax laws are subject to amendments from time to time. 6 - You will get daily hospital cash benefit provided you get hospitalized for a continuous stay of 24 hours, due to any of the listed conditions under your chosen cover. 7 - 78% men in their 30s may get a heart attack! - http://indiatoday.intoday.in/story/india-tops-the-world-in-heart-attacks-among-35-plus-men/1/154103.html 8 - 1 in 28 women may develop breast cancer! - http://indiaopines.com/thousands-run-beat-breast-cancer/ 9 - There are roughly 30 million heart patients in India. - http://indiatoday.intoday.in/story/ansari-for-comprehensive-approach-to-combat-heart-disease/1/484351.html 10 - 10 lakh cancer cases reported in India, yearly - http://www.freepressjournal.in/indore/cancer-kills-6-8-lakh-patients-every-year-in-india-10-lakh-new-cases/967871
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© 2016, ICICI Prudential Life Insurance Company Limited. Registered Address:- ICICI PruLife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai-400025. Insurance is the subject matter of the solicitation. For more details on the risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. Call us on 1-860-266-7766 (10am-7pm, Monday to Saturday, except national holidays and valid only for calls made from India). For enquires related to new policies purchased online, please call us on 1-860-266-7766 and select option 4 on our Interactive Voice System. Trade Logo displayed above belongs to ICICI Bank Ltd & Prudential IP services Ltd and used by ICICI Prudential Life Insurance Company Ltd under license. UIN: 105N154V01. Advt. No.: W/II/0281/2017-18
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