Policy in a nut-shell

• Comprehensive Cover - Lump-sum benefit on diagnosis of Critical Illness/Major Medical Illnesses and Procedures, Personal Accident and Permanent Total Disablement (PTD) Cover
• Sum Insured – Rs. 3, 6 or Rs. 12 Lakhs
• Eligibility - Age criteria at entry: Minimum 20 years, Maximum 45 years.
• Policy Duration – 1, 3 or 5 year period
• Tax Benefit under section 80D of Income Tax Act
• No health check-up

1. What is Critical Guard?
   Critical Care protects you or your spouse against loss of income on diagnosis of any of the 9 major medical illnesses and procedures. The first of its kind, it offers a lump sum benefit on diagnosis of Cancer, Bypass Surgery, Heart Attack, Kidney Failure, Major Organ Transplant, Stroke, Paralysis, Heart Valve Replacement Surgery or Multiple Sclerosis. Critical Care Insurance also provides cover against accidental death and permanent total disablement (PTD).
   
2. Choice of Coverage
   Sum Insured Rs. 3, 6 or 12 Lakhs
   Critical Care offers you a choice of coverage on both the sum insured and the tenure of the policy. You can choose the sum insured of Rs 3, 6 or 12 Lakhs over a period of 1, 3 or 5 years. The premium would be calculated accordingly: The cover would include:
• Major Medical illness and procedures
• Accidental Death
• Permanent Total Disablement (PTD) on account of Accident leading to inability to remain gainfully employed



Major Medical Illnesses and Procedures 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. Bypass Surgery
3. 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
   
   
Click here to view details of illnesses covered.

On diagnosis of any of the above illnesses, the insured is entitled to the lumpsum 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.

Click here for Permanent Total Disablement Benefits.

3. Need for Critical Guard
• India is home to over 60 million coronary heart patients.
• India's economic loss due to heart related disease could be $236 billion till 2015.
• At any given time there will be 3 million cancer patients in India.
  Source: World Health Organization (WHO)

However, today, with the advancement in medical science, solutions have been developed for virtually any ailment in the world. A study revealed that 50% of cancers are curable if detected early. But it has also led to rising costs of treatment.
Click here to view high costs of medical care.

4. What is not covered?
   Click here to view our Policy Exclusions.

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Sum Insured   PTD Benefits  

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1. What documents do I need?

Critical Illness Claim

The documents required for making a Critical Illnesses Claim are as follows:

Doctor's Certificate confirming the following:

• Insured person's name
• Name, date of occurrence and medical details of the illness/surgery
• Confirmation of the absence of any pre-existing Illness or Injury within the first 3 months of policy start date
• Duly completed claim forms
• Original Discharge Certificate/ Card from the hospital/ Doctor
• Original investigation test reports, indoor case papers

Personal Accident Claim

The documents required for making a Personal Accident claim are as follows:

• Duly completed claim form
• Doctor’s Report
• First Information Report and Final Police report, wherever necessary
• Death certificate, wherever applicable
• Investigation Reports like Laboratory test, X-rays and reports essential of confirmation of the Injury
• Disability certificate from a government certified Doctor or government hospital confirming the extent and nature of disability
• Post mortem report, if applicable
• Any other supporting documents as may be required by the Company
  
  
2. How do I make a Claim?

• In order to make a claim, make an immediate notice in writing to the Company
  Critical Illness Claim: Intimate ICICI Lombard within 30 days from the date of diagnosis of the concerned illness/surgical procedure
  Personal Accident Claim: Intimate ICICI Lombard within 7 days from the date of occurrence of the accident/ injury
• Submit all reasonable documents - information, assistance and proofs in connection with any claim within 30 days from the occurrence of the event.

3. Whom to contact?

In case of a claim, you can call our toll free number at 1800 225 800 (BSNL / MTNL) or 022 6675 4472 (STD/Local Charges apply), alternatively email us at insuranceonline@icicilombard.com

You may also write to the following address to log a claim:

ICICI Lombard General Insurance Co. Ltd. 2nd Floor, Zenith House, Keshavrao Khadye Marg, Opp. Race Course, Mahalaxmi, Mumbai – 400 034



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Why buy online at www.icicilombard.com? We give you a few of many reasons why -

• Highest Levels of Security: The website has been given the following security certifications:
  TRUSTe Privacy Seal Program
  VeriSign Certification
• Instant Cover online: A digitally signed policy is issued immediately through online facility.
• 0% EMI option: You can pay online through ICICI Bank or Citibank Credit Card at 0% EMI (interest-free EMI).
• No Paperwork

Critical Guard Product Code: Misc 65

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