Life tests each one of us time-to-time. Our preparedness to face the challenges is what’s important. One important need to support your well-being is a health insurance plan. A health insurance plan, either from your employer or an independent one, typically reimburses your regular medical bills or any such expenses during a time of distress. But where a health insurance/mediclaim may fall short, a dedicated critical illness plan comes to the rescue.
Critical Illness plans are a specialized health insurance plans that support you adequately during certain critical illnesses. They are lump sum payout plans and provide a fixed sum of money at the time of diagnosis so as to cover for all the expenses which would follow for an effective treatment at different stages of the disease.
Among all the critical illnesses plaguing humans in general and India specifically, Cancer assumes the prime position. Hence, cancer insurance as a form of health cover becomes increasingly relevant in the present times. Cancer Insurance, as the name suggests, is a dedicated plan to insure oneself against Cancer. Essentially, they are critical illness plans and are created to support the policy holder during cancer diagnosis and treatment. In countries like India, where critical illnesses such as cancer are wide-spread and their treatment is both scarce and expensive, targeted health insurance plans are a must-have to secure oneself during any such adversities.
Let’s look at some recent findings that state the cancer situation in India:

There are over 100 types of cancers affecting human body due to external and internal changes. By 2020, India will have over 17.3 Lakh new cases of cancer and over 8.8 Lakh deaths by cancers of breast, lung, etc. In 2016, around 14.5 Lakh cases of cancer werereported. About 71% of deaths occur between the ages of 30 to 69[1] he changes in our lifestyle, eating habits and environment, as well as genetic factors have contributed to the increased chances of cancer. It is assumed that about 200 different cancers like Leukemia, pancreatic etc have no stated cause. Hence a protective cover becomes inevitable even if you keep yourself away from unhealthy habits, diet and lifestyle.

A cancer insurance plan ensures that you are under a financial blanket if any such situation arises. It pays the claim amount to you right at the time of diagnosis which means that even before you are hospitalized, you’ll receive a sufficient amount to cover up for what’s coming next- hospitalization, surgeries any other costly yet life-sustaining treatments.

ICICI Pru Heart/Cancer is a twin-benefit cancer insurance plan by ICICI Prudential Life Insurance that secures you financially during cancer treatments as well as heart ailments – at affordable premiums. You get claim amount on the detection stage to pay-off expensive procedures with ease~. In those times, getting a treatment on time is of utmost importance and this plan pays you benefit amount right when you need it the most- before the treatment starts. You get the complete freedom to get treated at a hospital of your choice. Additionally, it waives off future premiums after diagnosis of even minor conditions of cancer or heart for the full policy term`. You can also save on taxes as per Section 80D on the premiums you pay^. The best part is the ease with which the policy pays out – you can get diagnosed at any hospital and receive the claim amount for further treatment of your choice.
In combating health problems, staying financially prepared with a health cover is half the battle won, and a health cover for Cancer goes a long way towards ensuring that your financial preparedness is sure-footed. ICICI Pru Heart/Cancer has been created keeping in mind the need for comprehensive protection against listed conditions of Cancer and heart ailments at competitive prices to ensure that these two biggest killers in the country are tackled effectively.





* The above premium shown is for a 25 years old male under the monthly mode without any additional benefits for a cancer cover of Rs. 10 lakhs for a policy term of 20 years. This is not a binding option you may also choose to opt for only heart/ only cancer cover/ or both as per your protection needs. You can also add the other benefits options available with this plan. Please read the sales brochure for more details.

` The Company shall waive all future premiums on a claim of Minor condition under the chosen cover; or on the diagnosis of Permanent Disability (PD)of the Life Assured due to an Accident. If both Cancer cover and Heart cover are chosen such waiver is allowed on a minor/major condition claim under either Cancer cover or Heart cover; or on the diagnosis of PD. This benefit is available only if the Policy is in force as on the date of diagnosis of the condition/at the time of accident.

~ A lump sum is paid out on diagnosis of any of the listed conditions. This payout is based on the level of the condition. In any case, the total payout in the policy cannot exceed 100% of the Sum Assured of the cover selected. Please refer to the sales brochure to know about the payouts at different level of condition.

^ 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.

Know more about ICICI Pru Heart/Cancer Protect
Claim payout on detection – Only diagnosis report needed
Premium discount for covering your spouse & for existing customers
Waiver of premium on minor/major diagnosis
Added benefits for hospitalization and cover enhancement


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