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ICICI Term Insurance plans help secure the financial future of your family members and protect them from the eventualities of life. The unpredictability varies from critical illness, income loss, or the unfortunate passing of a loved one. A term insurance plan provides financial protection in case of such unfortunate events. At the time of buying a term insurance plan in India, you have the option to increase the protection cover by paying a slightly increased premium amount, offering more security to you and your loved ones.
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Let’s look at what critical illnesses are covered under the ICICI Term Insurance plan:
Term Plans
ICICI Critical Illness Cover is the coverage offered for a long time and serious illnesses that generally needs costly medical treatment. The diseases covered could be heart disease, paralysis, cancer, liver diseases, loss of limbs, third-degree burns, etc. The coverage that is offered helps to secure your and your family member's peace of mind. According to this plan, the insurance company offers a lump sum payment on the diagnosis of a critical illness.
You can easily buy a specially designed ICICI Term Insurance plan that covers the following critical illnesses:
| Critical Illnesses Covered Under ICICI Term Insurance | |
| Cancer of Specified Severity | Permanent Paralysis of Limbs |
| Angioplasty | Major Head Trauma |
| Myocardial Infarction (1st heart attack of specified severity) | Stroke resulting in permanent symptoms |
| Surgery to Aorta Heart & Artery Benefit | Permanent paralysis of limbs |
| Valve/Heart Surgery (Open Heart Replacement or repair of Heart Valves) | Motor Neuron Disease with Long-lasting Symptoms |
| Primary (idiopathic) Pulmonary Hypertension | Alzheimer’s disease |
| Cardiomyopathy | Multiple Sclerosis with persisting Symptoms |
| Blindness | Parkinson’s Disease |
| Open Chest CABG | Muscular Dystrophy |
| Major Organ/Bone Marrow Transplant | Poliomyelitis |
| End Stage Liver Failure (Chronic Liver Disease) | Loss of Independent existence |
| End Stage Liver Failure (Chronic Lung Disease) | Loss of Speech |
| Kidney Failure Requiring Regular Dialysis | Deafness |
| Apallic Syndrome | Systematic Lupus Erit with Involvement of Renal |
| Benign Brain Tumor | Medullary Cystic Disease |
| Coma of Specified Severity | Aplastic Anaemia |
| Brain Surgery | Loss of Limbs |
| Third Degree Burns (Major Burns) | |
Note: It is suggested to calculate the term plan premium on the term insurance calculator online tool by Policybazaar before buying the plan.
In this, the policyholder receives a lump sum amount on the diagnosis of a critical illness that is already mentioned in the plan. As per the T&Cs of the policy, diagnosis of a critical ailment may either terminate or continue the plan. Therefore, it is important to go through the coverage before choosing the term rider.
Apart from all this, the policyholder can also opt for hospitalization and non-hospitalization expenses.
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Guaranteed payout in case of 34 life-critical illnesses up to Rs.1 Crore!
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The nominee/beneficiary will be paid the accidental death benefit sum assured in case of death because of an accident.
Your plan continues without paying premiums by you in case of permanent disability
Full sum assured amount is paid, if diagnosed with a terminal illness
*Note: Terminal illness meaning is that it is a fatal disease that cannot be cured and is likely to lead to death of the patient.
Note: Know what is term insurance first and then buy a term plan for your loved ones.
If the maximum term of the plan is 30 years, then the coverage of the plan continues even after the claiming of payouts.
Save taxes u/s 80C and 80D of the ITA, 1961.
The amount of benefit payable is equivalent to the critical illness cover that the life assured has selected.
The total sum assured amount as selected under the plan is paid in case of death or total permanent disability of the policyholder.
The death claim can be settled within 21 days of receiving the receipt of all the important documents.
The policy buyer can easily avail of the plan online by paying premium amounts in installments.
Note: Check out the best term insurance plan in India and choose one that suits your requirements.
†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
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