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Disclaimers for Cancer Cover


#Doctor’s certificate confirming diagnosis needs to be submitted. 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.

^100% payout will happen only in case of diagnosis of Major conditions under cancer cover

##Subject to your responses to the medical questionnaire. Policy will be issued post basic document verification if responses to all health questions are standard. Non-medical limits or No Income proofs are applicable on a total sum assured of ` 50 lakh under the Cancer Cover as per the Company’s underwriting policy.

**Subject to realization of payment and documents. Your required details with ICICI Bank will be used after your consent.

#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 under the policy are subject to conditions under Sec. 80D and Sec 10(10D) of the Income Tax Act, 1961. Applicable taxes will be charged extra as per prevailing rates. Tax laws are subject to amendments from time to time.

Our claim settlement ratio for FY 2017–18 is 97.88%. The claim statistics is computed basis individual claims settled over total individual claims for the financial year. For more details, please refer Public Disclosures on ICICI Prudential Life Insurance website.

Rs 20 lakh cancer cover at Rs 100 p.m. - This premium rate is for a 25 year old healthy non-smoker male for a term of 20 years, monthly premium payment frequency and without any additional benefits and is inclusive of all taxes. ICICI Pru Heart/Cancer Protect annual premium for ₹20 Lakhs Cancer Sum Assured is ₹1,121 inclusive of taxes.

4 The premium amount has been personalized for you for a cancer cover of ₹50 lakh, inclusive of all taxes (assuming you are a non-smoker) under ICICI Pru Heart/Cancer Protect base plan. If your age (in years) is 18-49, 50-65; then the default policy term (in years) is 10, 5 respectively. You can choose your policy term in the range of 5-40 years.

© 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. UIN: 105N154V03.

Advt. No.: W/II/1414/2017-18

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 31/03/2019) of ICICI Prudential Life Insurance Company Limited ("ICICI Prulife").

"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."

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFERS

IRDAI clarifies to public that

  • IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums.
  • IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.

Free-look Cancellation Period - If you are not satisfied with the policy, you may cancel it by returning the policy document to the ICICI Prudential Life Insurance Company Limited (ICICI Life) within 30 days from the date you received it. On cancellation of the policy during the free look period, ICICI Life will return the premium paid subject to the deduction of: a. Stamp duty paid under the policy, b. Expenses borne by ICICI Life on medical examination, if any and c. Proportionate risk premium for the period of the cover. The policy shall terminate on payment of this amount and all rights, benefits and interests under this policy will stand extinguished.