The policy provides lump sum benefit on diagnosis of any of 9 Critical Illnesses, Accidental Death and Permanent Total Disablement (PTD).

Critical Illness Cover

The Critical Care Insurance shall cover, subsequent to 90 days from the policy start date, the following major medical illnesses and procedures:
1. Cancer
2. Coronary Artery Bypass Graft Surgery
3. Myocardial Infarction (Heart Attack)
4. Kidney Failure (End Stage Renal Failure)
5. Major Organ Transplant
6. Stroke
7. Paralysis
8. Heart Valve Replacement Surgery
9. Multiple Sclerosis

On diagnosis of any of the above illnesses, the insured is entitled to the lump sum benefit of the entire Sum Insured opted for.

• Accidental Death Cover
  In case of death of the insured due to an accident within the policy period, the nominee (mentioned in the policy) is compensated with the Sum Insured (opted at the time of policy issuance).
  Permanent Total Disablement (PTD) Cover
• Critical Care insures against the permanent and total loss of limbs, sight etc., due to an accident. The compensation (Sum insured opted for) is given as a lump sum benefit. It is to be noted that the compensation is payable only if the disablement results in inability to remain gainfully employed.

• Comprehensive Cover - Lump sum benefit on diagnosis of any of 9 Critical Illnesses, Personal Accident and Permanent Total Disablement (PTD) Cover.
• Choice of coverage - Choose between Rs. 3, 6 or Rs. 12 Lakh sum insured and a policy duration of 1, 3 or 5 years.
• Avail tax benefit under section 80D of Income Tax Act.
• No health check-up required.
• No 30 day survival period, benefit paid immediately on diagnosis.

• In case of claim, please follow the procedure given below:
• ICICI Lombard to be informed giving the details of the policy as may be issued to you
• Submit documents to ICICI Lombard
• Admissible claims will be settled by ICICI Lombard within 21 days of receipt of all completed documents such as death certificate, doctor's certificate, FIR, police report, etc.

90 Days Exclusion:

Any illnesses and procedures within 90 days from start date of policy will not be covered. This clause does not apply for subsequent renewal (without a break) of this policy with us.

Permanent Exclusion

The Company shall not be liable under this policy for:

• Any Pre-Existing illness
• Absence of submission of Doctor's medical certificate confirming the diagnosis of Illness or Injury or undergoing of medical/surgical procedure
• Any congenital Illness or condition
• Any medical procedure or treatment, which is not medically necessary or not performed by a Doctor
• Any physical, medical or mental condition, illness, injury or treatment or service which is specifically excluded under the Policy
• Treatment relating to birth defects and external congenital Illnesses
• Birth control procedures and hormone replacement therapy
• Any treatment/ surgery for change of sex or any cosmetic surgery or treatment
• Treatment by family member and self-medication or any treatment that is not scientifically recognized

Exclusions applicable to Personal Accident:

The Company shall not be liable under this policy for:

• Compensation/claim under more than one of the categories specified in the Policy Coverage in respect of the same period of disablement of the Insured Person
• Claims arising out of sickness/illness
• Death, injury or disablement of Insured Person
  a) From intentional self-injury, suicide or attempted suicide
  b) Whilst under the influence of intoxicating liquor or drugs
  c) Directly or indirectly caused by venereal disease or AIDS
  d) Directly or indirectly caused by contributed to or aggravated or prolonged by childbirth or pregnancy or in consequence thereof.
  e) Engagement in dangerous activities
  f) Mounting into, dismounting from or traveling in any aircraft other than as a fare paying passenger on a scheduled flight
  g) Mental disorder or psychosomatic dysfunction
• Permanent Total Disablement prior to commencement of the policy