Complete protection from heart ailments and Cancer

I want Heart + Cancer cover of

This cover includes:
  • Heart and Cancer cover
  • Waiver of premium in case of any claim
You can add more benefits later:
  • Hospital Benefit
  • Monthly Income Benefit
  • Increasing Cover Benefit
Heart + Cancer

Your monthly premium is

9,251 for Inclusive of all taxes
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Select your plan

Heart & Cancer cover of

This cover includes:
  • Heart and Cancer cover
  • Waiver of premium in case of any claim
You can add more benefits later:
  • Hospital Benefit
  • Monthly Income Benefit
  • Increasing Cover Benefit
Heart + Cancer

Your annual premium is

9,251 for 5 years Inclusive of all taxes

YOUR BENEFITS

Benefits for you and your spouse

Term : 5 Year

Payment mode: Regular Premium

All future premiums waived off in case of a claim

Total Premium (You + Spouse) :

DISCLAIMER

By clicking on the link below, you shall enter the website ("Website") of ICICI Prudential Life Insurance Company Limited (hereinafter "I-Pru") which is not owned or controlled by ICICI Bank Limited ("ICICI Bank"). Such links are provided only for the convenience of the Client and ICICI Bank does not endorse the same and bears no responsibility for it. This facility is purely governed by I-Pru terms and conditions.

HOW DOES THE PRODUCT WORK?

  • Product Product

    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.

  • Product Product

    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.

BENEFITS OF ICICI Pru Heart / Cancer Protect

  • Specialized Health Insurance Plan

    Heart/Cancer Protect stands out from other health plans with lumpsum payouts, cover upto 75 lakhs and waiver of premiums.

  • Payout on Diagnosis

    Get your cover amount even before you're hospitalized. Heart/Cancer protect pays out early, to help you get the best treatment.

  • Increasing cover upto 200%

    Double your cover with time, to combat ever increasing medical costs.

  • Hospital of your choice

    Get treated anywhere you choose, without restrictions of network hospitals.

  • Savings on family cover

    Save on your premium while insuring your family's health, with the family benefit option.

  • 80D tax benefit**

    Save tax each year upto Rs. 25,000 for premiums paid under section 80D of the Income Tax Act.

Life Assured 1
Life Assured 2
  • 50 lakh
    40 lakh
  • 25 lakh +
    20 lakh +
  • 25 lakh
    20 lakh
  • 35 Years
    35 Years
  • Male
    Female
    Male
    Female
  • No
    No
  • 5 Years
    5 Years
  • Monthly
    Monthly
  • 18,502 18,502
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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.

Existing customer discount of 5% on the first years premium is available only for policies with Regular Premium Payment Option, it is not applicable for Single pay policies. With one policy, you 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.

With Increasing Income 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.

Under the Income Benefit, the Sum Assured has to be chosen at inception of the plan. An amount equal to 1% of the Sum Assured chosen at inception will be paid to the policyholder each month, for a period of 5 years upon a valid claim under any of the listed Major conditions. Where the Cancer cover and Heart cover are taken together, pay out under Income Benefit will be triggered for only that cover for which a claim of Major condition is registered and all Benefits through other cover remains unaffected.

#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.

All premium amounts mentioned above are inclusive of taxes.

© 2016, ICICI Prudential Life Insurance Company Limited. Registered Office 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) and on +91-22-6193-0777 (Valid for calls made from outside India) (10am-7pm (IST), Monday to Saturday, except national holidays). Tax benefits under the policy are subject to conditions u/s 80D of the Income Tax Act, 1961. Goods & Services Tax and Cesses, if any, will be charged extra as per prevailing rates. Tax laws are subject to amendments from time to time. ICICI Pru Heart / Cancer Protect Form No.: T48, T49, UIN 105N154V03. Advt. No.: W/II/0065/2017-18

ICICI Bank Limited ("ICICI Bank") with Registered Office located at ICICI Bank Tower, Near Chakli Circle, Old Padra Road, Vadodara, 390 007, Gujarat is a corporate agent (Composite, IRDAI Regn No.: CA 0112 valid till 31/03/2022) of ICICI Prudential Life Insurance Company Limited ("ICICI Prulife"). ICICI Bank customer care number: 1860 120 7777.

Terms and Conditions of ICICI Bank at www.icicibank.com and terms and conditions of third parties apply. ICICI Bank is not responsible for third party products, goods, services and offers. ICICI Prudential Life Insurance Company Limited (ICICI PruLife). IRDAI Regn No. 105. CIN:L66010MH2000PLC127837.

The products, services and benefits referred to herein are subject to terms and conditions governing them as specified by ICICI Prulife from time to time. ICICI Bank is acting merely as a corporate agent of ICICI Prulife. Participation by ICICI Bank's customer is on a purely voluntary basis and there is no direct or indirect linkage between the provision of the banking services offered by ICICI Bank to its customers and insurance company products/ services. ICICI Bank shall not be liable or responsible for any loss resulting from insurance company's products/ services.

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  • IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.