ICICI Pru Smart Health Cover Plan

It is a common fact that any critical illness will wash away all your savings. So, it is better to be prepared rather than to face a financial crisis in the future. You must invest in the health insurance plan and cover all major types of critical illnesses. ICICI Pru Smart Health Cover Plan is one such health insurance plan that covers 34 critical illnesses and compensates you for the expenses done after the diagnosis of the critical illness. You will also get a life cover in this health insurance plan and your premium remains the same throughout the policy term. This policy will be a helping hand to cover all the expenses related to the treatment of critical illness. Let’s explore all the features and benefits of this health insurance plan so that you can understand it better.

Key Features of Smart Health Plan

1. This policy covers 34 types of Critical Illnesses including Disability, Terminal Illness, and Death.
2. The amount of premium will not increase with your age.
3. The company will make a payout on the first diagnosis of the Illness.
4. You can take a cover of up to 30 years in this insurance plan.
5. There are special premium rates for women in this plan.
6. It will also cover female organ cancers like breast cancer and cervical cancer.
7. Get deductions under section 80C and 80D of the Income Tax Act 1961.

Benefits of the Smart Health Cover

If you are willing to take this health insurance plan after reading all key features then you must explore all the benefits in detail. You will understand the plan better after going through all the benefits of this plan in detail.

Critical Illness Benefit

You are entitled to take the critical illness benefit if you are diagnosed with any critical illness mentioned below. There are 34 types of critical illnesses that are covered in one health plan only.

Cancer

1. Cancer of Specified Severity

Heart and Artery Diseases

1. Angioplasty
2. Heart Attack
3. Heart Valve Surgery
4. Surgery to Aorta
5. Cardiomyopathy
6. Primary Pulmonary Hypertension
7. CABG

Major Organ Disease

1. Blindness
2. Chronic Lung Disease
3. Chronic Liver Disease
4. Kidney Failure
5. Major Organ/ Bone Marrow Transplant

Brain and Nervous System Illnesses

1. Apallic Syndrome
2. Benign Brain Tumour
3. Brain Surgery
4. Coma
5. Major Head Trauma
6. Permanent Paralysis of Limbs
7. Stroke resulting in permanent symptoms
8. Alzheimer’s Disease
9. Motor Neurone Disease with Permanent Symptoms
10. Multiple Sclerosis with Persisting Symptoms
11. Muscular Dystrophy
12. Parkinson’s Disease
13. Poliomyelitis

Other Illnesses

1. Loss of Independent Existence
2. Loss of Limbs
3. Deafness
4. Loss of Speech
5. Medullary Cystic Disease
6. Systematic lupus Eryth. w. Renal Involvement
7. Major Burns
8. Aplastic Anaemia

The Payout on First Diagnosis

In the ICICI Pru Smart Health Cover Plan, the company will make a payout to the insured if he is diagnosed with a critical illness. It will be paid on the first diagnosis of the critical illness and the policy will be terminated once the payout has been made.

Payout on Death

The company will make a payout to the nominee in case of unfortunate death of the insured. After the payment of the death benefits, your policy will be terminated.

Waiver of Premium Benefits

If in case you are diagnosed with Permanent Disability due to accident during the policy term then all your future premiums will be waived off by the company. You will not have to pay the future premiums of the Smart Health plan.

Eligibility Criteria for the ICICI Pru Smart Health Cover

Premium Chart for Men and Women

Now you can see the minimum and maximum amount of premium that you will have to pay when you are taking the plan. The amounts of premiums
are different for men and women.

Premium for Men

Premium for Women

How to Take this Plan

If you find that this health plan gives a lot of benefits at an affordable rate of premium then you can fill-up the form given above. The company’s representative will give you a call and tell you more about the process. On the other hand, you can visit the nearest ICICI Prudential branch to take the policy.