I want Heart + Cancer cover ofThis cover includes:
- Heart and Cancer cover
- Waiver of premium in case of any claim
- Hospital Benefit
- Monthly Income Benefit
- Increasing Cover Benefit
Total Premium (You + Spouse) :
80D tax benefit#
All future premiums waived off in case of a claim
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.
Family Benefit can be availed as a discount of 5% on first year’s premium, on purchasing this product for yourself and your spouse. This discount will not be applicable from second year onwards.
Our existing customers can enjoy a discount of 5% on the first year’s premium of this product. This discount will not be applicable from second year onwards. One can avail either Family Benefit or Loyalty Benefit.
Hospital Benefit: 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.
Increasing Cover Benefit: Your sum assured will increase by 10% simple interest every year, till the time first claim is made. The maximum sum assured under Increasing Cover Benefit is limited to 200% of the sum assured chosen at inception.
Income Benefit: 1% of the sum assured chosen at inception, will be paid each month for a period of 5 years on diagnosis of any of the Major conditions under the cover.
#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.
' Non-medical limits are applicable on a total sum assured of 25lakh under the Heart Cover and 50lakh under the Cancer Cover as per the Company’s underwriting policy
The premium amounts mentioned for SP option is inclusive of all charges and taxes, the customer is not required to pay anything over and above the premium amounts mentioned above
All premium amounts mentioned above are inclusive of taxes.
ICICI Prudential Life Insurance Company Limited. IRDAI Regn No. 105. CIN: L66010MH2000PLC127837
© 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/0065/2017-18
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