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Pre existing diseases are not covered. Any heart or cancer condition which was diagnosed or for which medical advice/treatment was received within 48 months prior to the policy issuance, would not be covered.

The policy pays out on diagnosis of listed conditions of heart ailments or cancer, irrespective of the stage of the disease (Early or late). If it is a minor condition, the policy pays out 25% of the cover amount and continues it’s cover till the policy term. If unfortunately, the disease affects the policy holder again in a major way (any major condition), it pays out the rest 75% to the policy holder and the policy terminates. In case of a major condition, the policy pays out 100% of the cover amount as lump sum upon diagnosis.

ICICI Pru Heart/Cancer Protect pays out on diagnosis of the disease, and hence does not require you to show hospital bills to claim. You just have to produce medical records of diagnosis/doctor’s certificate of diagnosis, to our claim care centres. Your claim will be settled within 30 days^** from the date of receipt of the last necessary document. Health claim process - /insurance-claim/documents-required-for-health-claim.html

The policy pays out a lump sum amount on diagnosis, and has no bearing on where the treatment is carried out. The policyholder can use the amount to fund his/her treatment at hospital of his/her choice.

No, but you can cover your spouse under the same policy, availing a 5% discount on the first year’s premium. Also, unlike a family floater, the covers of both people would remain independent of each other, with the option to choose different cover amounts for each.

The policy does not have a death benefit, as in no absolute amount is paid upon death of the policy holder. But cover under heart and cancer conditions would be paid out irrespective of if death occurs or not, provided the policyholder has been diagnosed with heart illnesses or cancer. There is no survival period for Cancer. But also note that there is a survival period of 7 days for heart diseases i.e., the policy holder has to survive for a period of 7 days from the date of diagnosis to be eligible to receive the cover amount. If you have availed the income benefit, even in case of a policyholder’s death,an amount of 1% of health cover is paid out for a period of 5 years (To your nominee)

ICICI Pru Heart/Cancer Protect pays out on every stage. If the Cancer was of minor stage to start with, policy pays out 25% of the total cover for treatment and recovery. If, unfortunately, the Cancer comes back from remission to affect the person again at a higher severity (major stage), the policy pays out rest of the cover amount for treatment and recovery.

Claim deduction up to ₹25,000^# for health insurance premium paid towards this plan under Section 80D^#. Choosing the single pay option (5 years premium) can be used to fulfil your 80D limit of up to ₹25,000 for the relevant financial year.