What makes this plan special
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. Click here to view details of the illnesses which are covered.
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.
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.
The lump sum benefit is paid on first occurrence of either death or terminal illness and the policy terminates on payment of this benefit.
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.
With the CI benefit, you can get cash payout without submitting any hospital bills. Only medical documents confirming diagnosis need to be submitted.