ICICI Lombard Smart Health Critical Illness Insurance

SmartIndividual Personal Accident Insurance Policy

ICICI Lombard Smart Health Critical Illness Insurance

All You Need To Know


A life-threatening illness can indeed shatter one’s dreams putting a lot of financial burden on the family. That’s where a Critical Illness Insurance plan equips an individual to financially handle serious health conditions. With Critical Illness Insurance, ICICI Lombard will pay the insured the Sum Insured as chosen by him / her in lump sum post Insured survives the survival period of 30 days.

This lump sum amount can be utilised towards payment of medical expenses and can also substitute many necessary and basic living expenditures, which otherwise would have to be avoided, resulting in an otherwise unpleasant situation. Other than lumpsum, one can choose benefit of reimbursement/payment of hospitalization expenses for treatment of the critical illness diagnosed on survival for more than 30 days. The covers are available on lump sum benefit and indemnity basis.


Critical Illnesses covered
Get coverage for listed 20 different Critical Illnesses and Procedures 

Experience cashless claim services
Easy claim-settlement with 4300+ Cashless Hospitals in India 

Tax-Saving benefit
Tax savings under Sec 80 D of the Income Tax Act, 1961. Tax benefits are subject to change as per change in Tax Laws, please consult tax advisor for details. 80D** 

End-to-End Claim Assistance
Enjoy 24/7 Claim Assistance & strong customer support with ICICI Lombard​​​​​​​

Cancer of Specified Severity, First Heart Attack, Coronary Artery Disease, Coronary Artery bypass surgery, Heart Valve Surgery, Surgery to Aorta, Stroke, Kidney Failure, Aplastic Anaemia, End Stage Lung Disease, End Stage Liver Failure, 
Coma, Major Burns, Major Organ/Bone Marrow Transplantation, Multiple Sclerosis, Fulminant Hepatitis, Motor Neurone Disease, Primary Pulmonary Hypertension, Terminal Illness, Bacterial Meningitis

Hospitalization expenses for treatment taken for disease or illness within 60 days of inception of the policy is excluded. However, this exclusion is not applicable on subsequent renewals with the Company without a break.

Any pre-existing conditions/ diseases/ injuries at the inception of the policy cover.

Treatment received overseas

Medical treatment required following any criminal act of the insured

Cataract, laser surgery

Myomectomy, Hysterectomy unless because of malignancy

Dilation and curettage, Hernia, Hydrocele, fistula in anus, sinusitis, haemorrhoids/piles

Joint replacement, unless due to accident

All types of skin and all internal tumours / cysts / nodules / polyps of any kind, including breast lumps, unless malignant  Dialysis required for chronic renal failure

Gastric and duodenal erosions & ulcers

Routine medical, eye and ear examinations, cost of spectacles

Dental treatment

Circumcision, sex change or treatment

Birth control procedures, hormone replacement therapy, caesarean section, fertility or conception operation

Treatment traceable to pregnancy or childbirth

Treatment following use of drug or liquor or intentional self-injury

Acquired Immune Deficiency Syndrome (AIDS) and related diseases/illness related to HIV

Eligibility Criteria

Any individual between 5 years to 55 years of age can purchase the plan from us