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ICICI Lombard Critical Illness Plan provides coverage for 20 critical illnesses with fast claim settlement and a robust digital platform for policy management.
ICICI Lombard Critical Illness Insurance is designed to pay a lump sum amount immediately on diagnosis of a covered condition, independent of the actual treatment cost incurred. The plan generally covers a defined list of major illnesses including cancer, heart attack, stroke, kidney failure, paralysis, and major organ transplants, with sum insured options that can be scaled based on the policyholder's income and financial responsibilities. Because the benefit is paid as a lump sum, policyholders have the freedom to use the money for medical treatment, alternative therapies, household expenses, or income replacement during recovery. ICICI Lombard's strong digital claims process and wide service network make policy management and claims intimation straightforward. As with other standalone critical illness products, a waiting period applies from the policy start date, along with a survival period requirement after diagnosis before the claim is processed. Premiums qualify for tax benefits under Section 80D. The plan works well as a supplementary cover alongside an existing health insurance policy, particularly for individuals with a family history of lifestyle-related illnesses.
3 plans available — compare coverage, premium, and key features.
Comprehensive protection against critical illnesses
Key Features
Enhanced coverage with flexible benefits
High-value critical illness coverage
Step-by-step claim process for ICICI Lombard Critical Illness.
Call the 24x7 toll-free 1800-2666, SMS "HEALTHCLAIM" to 575758, or use the IL TakeCare app.
Send the claim form along with diagnosis reports and medical records confirming the critical illness.
ICICI Lombard verifies the diagnosis against policy terms and the covered illness list.
The lump-sum benefit is credited to the registered bank account once the claim is approved.
ICICI Lombard is a top pick for tech-savvy buyers who want a seamless online experience. Strong claim track record and wide illness coverage make it a reliable choice.
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The plan covers several major critical illnesses listed in the policy document, including cancer, kidney failure and stroke.
Yes. A fixed lump-sum amount is paid after diagnosis of a covered critical illness, subject to policy terms.
Yes. Annual renewal is available according to the insurer guidelines.
Depending on age, health condition and coverage amount, medical tests may be required.
Renewal typically does not require a fresh medical checkup unless there is a significant gap in coverage or a change in sum insured.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official ICICI Lombard Critical Illness website before purchasing.
Key Features
Key Features