What is covered & what is not

	The definitions of what constitutes each of the 6 critical illnesses and the relevant exclusions, are given below :-
	Cancer
	A disease manifested by the presence of a malignant tumor, characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue. The diagnosis must be evidenced by definite histology and confirmed by a qualified oncologist or pathologist. The term cancer also includes leukemia and malignant disease of the lymphatic system, such as Hodgkin's Disease.
	Excluded are:
		Any CIN stage (cervical intraepithelial neoplasm)
		Any pre-malignant tumor; any non-invasive cancer (cancer in situ)
		Prostate cancer stage 1 (T1a, 1b, 1c)
		All skin cancers, including malignant melanoma stage IA (T1a N0 M0)
		Any malignant tumor in the presence of any Human Immuno-deficiency Virus.
	Heart Attack
	The death of a portion of the heart muscle as a result of inadequate blood supplies to the relevant area. The diagnosis for this will be evidenced by all of the following criteria:
		A history of typical chest pain
		New, characteristic electrocardiogram changes
		Elevation of infarction specific enzymes, Troponins or other biochemical markers
	Excluded are:
		Non-ST-segment elevation myocardial infarction (NSTEMI) with elevation of Troponin I or T; other acute Coronary Syndromes
		Any type of angina pectoris
	Stroke
	Any cerebrovascular incident resulting in permanent neurological deficit and including infarction of brain tissue, haemorrhage and embolisation from an extracranial source. Diagnosis has to be confirmed by a neurologist and by typical clinical symptoms and by a CT scan or MRI of the brain. Evidence of neurological deficit for at least 3 months has to be produced.
	Excluded are:
		Transient ischemic attacks (TIA)
		Traumatic injury of the brain
		Neurological symptoms due to migraine.
	CABG (Bypass)
	The actual undergoing of open chest surgery for the correction of one or more coronary arteries, which is/are narrowed or blocked, by coronary artery bypass graft (CABG). The surgery must have been proven by a consultant cardiologist to be necessary by means of coronary angiography.
	Excluded are:
		Angioplasty and/or any other intraarterial procedures
		Any keyhole surgery including but not limited to Minimally Invasive Coronary Artery Surgery (MICAS) procedure
	Kidney Failure
	End-stage renal disease presented as chronic irreversible failure of both kidneys to function, as a result of which either regular renal dialysis (hemodialysis or peritoneal dialysis) is instituted or renal transplantation is carried out.
	Major Organ Transplant
	The actual undergoing of transplantation as the recipient of a heart, lung, liver, pancreas, small bowel, kidney or bone marrow.

 

 

Insurance is the subject matter of solicitation. ICICI Bank Limited is licensed by the IRDA to act as a Corporate Agent of ICICI Prudential Life Insurance Company Limited. The contract of insurance is between ICICI Prudential Life Insurance Company Limited and the Insured, and not between ICICI Bank Limited and the Insured. Participation by ICICI Bank's customers is on a purely voluntary basis.

The information contained herein is indicative of the terms, conditions, warranties and exceptions contained in the insurance policy. For further details, please refer to the product brochure and policy documents.
Health Assure: Product Code: T10.