Heart & Cancer Insurance Policy Online In India

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Heart And Cancer Insurance Plan

ICICI Pru Heart/Cancer Protect is a health insurance plan that protects you from expenses related to cancer treatment. The plan gives you the claim amount on first diagnosis irrespective of the actual medical costs. This health insurance plan does not require you to provide any medical bills. It’s a health insurance policy that offers you a high cover at a relatively low premium.

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High cover at low premium

Provides you with high covers at relatively low premiums.

Pay-out on diagnosis

As opposed to any Mediclaim or any reimbursement plan, we provide the entire claim amount.

Tax Benefits

Save tax up to Rs 25,000 for premiums paid towards this plan under Section 80D**.

Benefits Of ICICI Pru Heart/Cancer Protect

No restriction of network hospitals

Now you don’t need to find a network hospital or file for reimbursement claims. With our plan, you will receive the lump sum claim amount as soon as diagnosis is made, so that you can get treated at a hospital of your choice.

Waiver of premium

The plan will pay the rest of your future premiums if you are diagnosed even with a minor condition or are permanently disabled. This means that you enjoy full cover at no cost or zero premiums^.

No co-payment

Certain health insurance plans require you to pay a part of your expense, while the rest is paid by the insurer. There is no co-payment in this plan and the plan provides the claim amount on the first diagnosis of illness irrespective of the actual amount spent on treatment.

APPROXIMATE AMOUNT NEEDED FOR CANCER TREATMENT

Your ideal sum assured amount should be based on future cost of treatments, including recovery, medicines, hospitalization, additional living expenses and diagnostic tests.

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Total Estimated Cost ₹ 23 Lakhs

Chemotherapy per Cycle

₹ 63,500 - 1,90,500

Therapy of 5-6 Sessions

₹ 20 Lakhs

PET- CT Scan

₹ 19,050 - 28,575

97.8%

Claims Settled

₹ 1.49 L Cr

Benefits Paid until now

30 Day

Return Policy

HOW DOES ICICI PRU HEART/ CANCER PROTECT WORK?

heart-cancer.jpg

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Popular FAQ

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Life insurance policies last till the end of the policy term chosen by you at the time of purchase or till a claim is paid as per the terms and conditions of the policy.

Life insurance is a payment made to your family in case of your death during the policy term or a payment made to you on surviving the policy term. In return for this payment, you make periodic fixed payments to the life insurance company.

Yes, life insurance policy is necessary for the financial well-being of your loved ones in your absence.

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Disclaimer

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#Doctors document confirming diagnosis need to be submitted

*The premium has been calculated for a 31-year-old healthy male for a Rs 20 lakh cancer cover and a Rs 10 lakh heart cover for a policy term of 5 years and is exclusive of all taxes. The annual premium is Rs 2,174 (exclusive of all taxes)

~ Up to Rs 25 lakhs for heart cover + up to Rs 50 lakhs for cancer cover. Cash Pay-out depends on the severity of the condition. Please refer the sales brochure carefully for the pay-outs at different level of conditions.

**You will get daily hospital cash benefit of Rs 5,000 if you get hospitalised for a continuous stay of 24 hours, due to any of the listed conditions under your chosen cover. The benefit amount is fixed and will be paid irrespective of actual hospitalisation expenses. This benefit will be payable subject to a maximum limit of ten (10) days per policy year and thirty (30) days over the policy term. The yearly limit of number of days of hospitalisation cannot be carried forward to next year.

##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.

^^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.

***Tax benefits under the policy are subject to conditions u/s 80D of the Income Tax Act, 1961. Goods and Services Tax and Cesses will be charged extra over the premium amount as per the applicable rates. Tax laws are subject to amendments from time to time.

`This premium has been calculated for a 35-year-old healthy male for a heart cover of Rs 25 lakh and a cancer cover of Rs 25 lakh for a policy term of 20 years and for all benefits chosen (i.e. hospital, income & increasing cover) and is exclusive of taxes. The annual premium is `Rs 18,263 (exclusive of all taxes)

~~Cancer cover provides protection against pre-cancerous (Carcinoma-in-Situ), early stage of cancer and severe stages of cancer. Zero stage cancer refers to Carcinoma in situ as per standard medical classification. Refer - http://www.cancer.gov/cancertopics/factsheet/Detection/staging . Heart cover provides protection against the most common listed heart problems. However Pre-Existing Diseases are not covered. Please refer the sales brochure carefully to know more about the illnesses covered

``To know more about the inclusions and exclusions on the listed minor and major conditions please read the sales brochure carefully.

ICICI Prudential Life Insurance Company Limited. IRDAI Regn. No. 105. CIN: L66010MH2000PLC127837

© 2016, ICICI Prudential Life Insurance Company Limited. Registered 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 and Services Tax and Cesses will be charged extra over the premium amount as per the applicable rates. Tax laws are subject to amendments from time to time. ICICI Pru Heart/Cancer Protect. UIN: 105N154V01.

Advt. No.: W/II/1615/2017-18

ICICI Bank Limited ("ICICI Bank") with registered office at ICICI Bank Tower, Near Chakli Circle, Old Padra Road, Vadodara, 390 007, Gujarat (CIN: L65190GJ1994PLC021012) is a corporate agent (Composite, IRDAI Reg No.: CA0112 valid till 31/03/2025) of ICICI Prudential Life Insurance Company Limited ("ICICI Prulife"). Insurance is underwritten by 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. Purchase by ICICI Bank’s customer of any insurance products is purely voluntary, and is not linked to availment of any other facility from ICICI Bank. ICICI Bank shall not be liable or responsible for any loss resulting from insurance company's products/ services.

BEWARE OF SPURIOUS PHONE/ FRAUD PHONE CALLS!

• 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.

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