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All About ICICI Pru Heart/Cancer Protect
ICICI Pru Heart/Cancer Protect is a health insurance plan that provides cover against specific ailments like heart diseases and cancer. The policy pays out the sum insured on the first diagnosis, irrespective of the actual medical costs.
(Note: All the information in this article has been sourced from the official website of ICICI Prudential Life Insurance Company.)
Following are some of the features of ICICI Pru Heart/Cancer Protect Policy:
Below are some of the benefits of ICICI Pru Heart/Cancer Protect Policy:
Choice of protection: An individual can choose how much coverage he or she needs. There is coverage for both cancer and heart ailments. Condition-based pay-outs: On the first diagnosis of any covered illnesses, the insured will receive a lump sum amount.
Hospital Benefit: The policyholder will receive daily cash benefit on hospitalization due to a covered ailment. The daily cash is given, irrespective of actual hospitalisation expenses.
Income Benefit: If the insured is diagnosed with any major condition, he or she will receive 1% of the base sum insured every month for 5 years.
Increasing Cover Benefit: The sum insured will increase by 10% simple interest every year until the first claim is filed. The benefit shall increase up to a maximum of 200% sum insured opted at inception
Early stage cancer
Carcinoma-in-Situ of any organ (except skin)
Following are the add-ons an individual can consider including to his or her base policy:
The discounts one can get on ICICI Pru Heart/Cancer Protect Policy are as follows:
Minimum Age At Entry: 18 years Maximum age at Entry: 65 years Minimum policy term: 5 years Maximum policy term: 40 years
ICICI Pru Heart/Cancer Protect Policy can be renewed until the insured reaches the age of 75 years. Policyholder can choose to renew the cover either online or offline (visiting one of the company’s branches). To renew the policy online, an individual will have to input Policy Number or Mobile Number or Email ID and Date of Birth and then proceed to make the payment.
To make a claim on ICICI Pru Heart/Cancer Protect Policy, the below steps need to be followed:
To make it easy for policyholders to raise claims, ICICI Prudential has a number of modes to intimate claims. These include:
All of the required documents have to be submitted along with intimation for speedy processing.
After the receipt of claim intimation as well as the supporting documents, a claim assessor will inspect it with reference to completeness of the documents and policy terms & conditions. In case any additional documents are required, then the same will be communicated to the claimant. At the time of claim processing, a dedicated claims manager is allocated for every claim. This individual will take responsibility of helping the claimant at every stage until a fair decision is made on the claim.
On the submission of all required documents and the completion of field investigation (as the case may be), the insurance company settles and communicates the claims decision. Most of the pay-outs are made through electronic modes, such as ECS and NEFT.
ICICI Pru Heart/Cancer Protect pays out the sum insured on diagnosis of the disease or ailment. The insurance company will require the policyholder to produce i) filled-up and duly signed claim form and ii) medical records of diagnosis/doctor’s certificate of diagnosis in order to process the claim. In case a claim warrants detailed investigation, the company may ask for additional documents.
There has been an alarming rise in the occurrence of heart problems and cancer in recent times. Once detected, the road to recovery can be long and costly– with scans, tests, treatments and surgeries. To help individuals ease this burden, ICICI Prudential Life Insurance Company has introduced ICICI Pru Heart/Cancer Protect Policy. The policy pays out the sum insured on diagnosis of any of the listed conditions. The pay-out can cover all medical costs and help in ensuring that one’s family does not face any financial strain on account of the ailment.
Reviews Of ICICI Pru Heart/Cancer Protect Policy
“This is a big relief for patients as they do not have to bear the costs from their pockets.” - Priyanka Soni, Bangalore
“I found ICICI Pru Heart/Cancer Protect to be an ideal choice since it provides cover against two major diseases. I got adequate coverage at very affordable rate.” - Ashish Sharma, Delhi