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ICICI Cancer Care Plus

Cancer Insurance
  • Get Plans that cover early and later stages of cancer
  • Receive premium discounts with higher sum assured
  • Get tax benefit under Section80D

ICICI Cancer Care Plus goes a step ahead and gives the policyholder complete coverage against cancer. It provides a wellness program to the policyholder. The wellness package lets you take specific tests absolutely free. The tests are conducted once in 2 years beginning from the second year of the policy. This screening package also helps the policyholder to diagnose the chances of cancer at an early stage. This helps in early treatment increasing the chances of survival. The tests will be carried out by the company's appointed medical centres. These scheduled screening tests lets you keep a track of your health and helps you to safeguard your savings as well as your health.

Eligibility - Who is the ICICI Cancer Care Plus for?

To be eligible for the ICICI Cancer Care Plus, one must meet the undermentioned criteria:

Minimum age at entry A minimum age of 20 years
Maximum age at entry A maximum age of 60 years
Minimum policy term 10 years
Maximum policy term Up to 70 years

Sum Assured and Premium Payment Term - What you get and what it costs?

Following are the sum assured and premium that the policyholder needs to pay:

  Claim at an early stage of cancer Claim at an advanced stage of cancer
Early diagnosis of cancer Rs.1 lakh (10% of the units) NA
Oncological treatment benefit for early cancer Rs.1 lakh (10% of the units) NA
Diagnosis of cancer at an advanced stage Rs.5.5 lakhs (55% of the units) Rs.6.5 lakhs (65% of the units)
Oncological treatment benefit for advanced cancer Rs.1 lakh (10% of the units) Rs.1.5 lakhs (15% of the units)
Surgery for advanced stage of cancer Rs.1.5 lakhs (15% of the units) Rs.2 lakhs (20% of the units)
Total cover Rs.10 lakhs (100% of the units) Rs.10 lakhs (100% of the units)

Following is the premium that a male policyholder needs to pay to buy 10 units:

Age Payable premium till 65 years Premium payable till 70 years
25 Rs.4,604 p.a. Rs.5,290 p.a.
30 Rs.4,859 p.a. Rs.5,633 p.a.
35 Rs.5,407 p.a. Rs.6,329 p.a.
40 Rs.6,299 p.a. Rs.7,328 p.a.
45 Rs.7,877 p.a. Rs.8,945 p.a.

Following is the premium that a male policyholder needs to pay to buy 10 units

Age Premium till 65 years Premium till 70 years
25 Rs.8,602 p.a. Rs.9,367 p.a.
30 Rs.9,396 p.a. Rs.10,200 p.a.
35 Rs.10,788 p.a. Rs.11,670 p.a.
40 Rs.12,708 p.a. Rs.13,434 p.a.
45 Rs.14,374 p.a. Rs.14,845 p.a.

All the benefits listed under the cancer care plus policy would be paid once the policyholder submits proof of the treatment or the surgery. There is a waiting period to claim benefits under the cancer care plus policy. The benefits under early stage of cancer are available only after 12 months from the commencement of risk date. The benefits listed under advanced cancer will be available only post 6 months from the commencement of risk.

Exclusions: What the ICICI Cancer Care Plus doesn’t include?

No benefits under the ICICI Cancer Care Plus if the claim or the incident suffered by the policyholder is indirectly or directly caused due to any of the following:

Other Key Features – Free Look Period, Surrender Values, Policy Revival, etc.

The table below highlights the additional features of ICICI Cancer Care Plus plan. 

Free look period The company offers you a free look period during which you can cancel the policy contract. The free look period is 15 days. For policies bought through distance marketing mode, the free look period is 30 days.
Surrender value If the premium payment term of your policy is 10 years and above, the policy will acquire surrender value after payment of three full years of payment. But if your premium payment term is less than 10 years, then your policy acquires surrender value after payment of two full years of premiums.
Policy revival Your policy will be revived if the application for revival is made within 2 years from the date of first unpaid premium and before termination of the policy contract. The revival of your policy is subject to underwriting terms. While reviving a policy, you will be required to pay the arrears along with interests applicable on the same.

Tax Benefits – How you can save with the ICICI Cancer Care Plus?

Policyholders are eligible for tax benefits as per the prevailing tax laws of India and these are subject to changes from time to time. Therefore, it is advisable that you seek tax consultation before investing in the policy.

Other Benefits of ICICI Cancer Care Plus:

Some of the additional benefits that ICICI Prudential offers to prospective buyers are as follows:

  • A financial advisor provided by the company
  • Online plan brochure
  • Call back from ICICI with details of the plan
  • Online comparison with other plans
  • Online application for the plan
  • ICICI Prudential branch locator

Why you should buy the ICICI Cancer Care Plus from ICICI Prudential?

Cancer Care Plus from ICICI Prudential Life is a first-rate critical illness plan which offers a wide range of features and benefits including a wellness package. With a multitude of options for its policyholder, the insurance company has earned a reputation of being exceptionally efficient. The company operates on its five core principles – Passion, Customer focus, Integrity, Humility, and Boundless Operations, which makes it one of the most reliable insurers in the country.

ICICI Cancer Care Plus Reviews

  • ICICI Prudential Life Insurance
    "Benefits are good"
    0.5 4.0/5 "Great!"
    I have taken a term insurance from ICICI Prudential. The tenure is for 35 to 40 years. The sum assure is good and I am satisfied with the same. There is a premium gets deducted through ECS so it is convenient for me. The customer services are good, they send me details of the policy and payment.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 16, 2018
  • ICICI Prudential Life Insurance
    "Good features"
    0.5 4.0/5 "Great!"
    ICICI Prudential is good in their services. They send me regular updates and also reminders for the payment options. I have taken my life insurance and since I also hold my account with ICICI Bank, the payment for the premium goes through smoothly. It is a normal policy. I would get the benefits after the maturity term.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 11, 2018
  • ICICI Prudential Life Insurance
    "Value for money"
    0.5 5.0/5 "Blown Away!"
    I have taken term insurance from ICICI Prudential, if some thing happens to me. My nominees will get the sum assured value around Rs. 30 lakhs, Therefore I made the one time premium around Rs.15,500, it has the term of five years. They do have critical illness, accidental cover etc. ICICI Prudential Claim settle ratio is good with them.
    Was this review helpful? 0
    , vijayawada
    Reviewed on Jan 10, 2018
  • ICICI Prudential Life Insurance
    "Can be more careful in the CS details"
    0.5 3.5/5 "Pretty good"
    The process at ICICI Prudential is good, but I had an issue about the name as there was a typo given. Though it was rectified it is not reflecting in the bond which is not very pleasing. The only proof is the email which has the correction done. The sum assured is of one crore. The plan I have taken is ICICI Prudential iProtect Smart - Life. It is a term insurance. The tenure is for 30 years.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 10, 2018
  • ICICI Prudential Life Insurance
    "Customer Service should be improved"
    0.5 2.0/5 "Expected more"
    I took the ICICI Prudential for the family protection, but I felt premium amount was high around Rs. 400 on monthly basis, it has the tenure of 30 years. I took iProtect Smart Life plan for the sum assured value was around Rs. 25 lakhs. Tax benefits are there but, they are not providing any financial security cover. However I would like to suggest their customer service should be improved, they did not respond on time to activate my term insurance policy and they didn't conduct the medical check up too.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 09, 2018
  • ICICI Prudential Life Insurance
    "Good Protection for my family"
    0.5 4.0/5 "Great!"
    One thing I compared in the online channel, ICICI Prudential have a very good claim settle ratio upto 95%. Then I took term insurance from them. My premium amount was around Rs. 1241 monthly basis, it has sum assured of term Rs. 30 lakhs for the term of 30 years but I am not sure about the plan name but they do have cover on critical illness, waiver on disabilities etc.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 09, 2018
  • ICICI Prudential Life Insurance
    "Best Investment with Life Cover + Pension"
    0.5 5.0/5 "Blown Away!"
    I have purchased Rs. 5 lakhs of policy with ICICI prundential, Its LTP (life time pension) plan. Premium would be Rs. 500 on yearly basic. Last 18 years I am paying premium around Rs. 10,000. Its a ULIP with life cover of Rs. 5 lakh, along with accidental cover.. Ulip has the locking period for 3 years, I am getting 20% return. Total tenure of the life insurance around 20 years.
    Was this review helpful? 0
    , gandhinagar
    Reviewed on Jan 08, 2018
  • ICICI Prudential Life Insurance
    "Good policy to hold"
    0.5 5.0/5 "Blown Away!"
    I took this term insurance policy as I liked the benefits of this policy and also because of the total sum assured which is Rs. 65,00,000 for which I need to pay a monthly premium of Rs. 899. This is a 40 year old policy so it will cover me till I attain my 70 years of age. Even I referred my friends to take this insurance policy as it is a good one.
    Was this review helpful? 0
    , bhubaneshwar
    Reviewed on Jan 05, 2018
  • ICICI Prudential Life Insurance
    "Good policy to hold"
    0.5 5.0/5 "Blown Away!"
    I am holding my term insurance with ICICI Prudential insurance and this was opted after inquiring about their policy benefits and features also detailed explanation was given by them. The total sum assured is for 1 crore and the tenure is for 36 years for which annually I had to pay around Rs. 16500 including GST.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 05, 2018
  • ICICI Prudential Life Insurance
    "Good policy to hold"
    0.5 4.0/5 "Great!"
    I liked the term insurance policy of ICICI Prudential as I am so happy till now as the process was smooth, fast and also for the medical check up the insurance formalities were very much transparent. The total sum assured is 1 crore and the total tenure is 40 years for which I need to pay a monthly premium of Rs. 1500.
    Was this review helpful? 0
    , pune
    Reviewed on Jan 05, 2018
  • ICICI Prudential Life Insurance
    "Good Family Cover"
    0.5 4.0/5 "Great!"
    I took life insurance for my family, my friend who is working with ICICI Lombard suggested ICICI Prudential, My monthly premium is around Rs. 480 this was taken for a tenure of 20 years. Its a term policy I wont get the maturity benefits, the sum assured 40 lakhs for my nominees.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 05, 2018
  • ICICI Prudential Life Insurance
    "Good Plan "
    0.5 5.0/5 "Blown Away!"
    ICICI Prudential is good in term of the premium and the benefits. Its a term insurance, I wont get maturity benefits after the tenure period. My nominees will the sum assured around Rs.25% of total premium. For Accidental cover they are providing double of the premium. Total tenure of the policy around 10 years for the premium of Rs. 50,000 per year.
    Was this review helpful? 0
    , pune
    Reviewed on Jan 04, 2018
  • ICICI Prudential Life Insurance
    "Its Good"
    0.5 4.0/5 "Great!"
    I have taken ICICI Prudential iProtect Smart - Life through online channel. The total tenure of the insurance is 40 years, nearly I pay rs 400 as a monthly premum. Its gives sum assured of Rs.25 lakhs, which includes critical illness, accidental cover and other benefits too.
    Was this review helpful? 0
    , pondicherry
    Reviewed on Jan 03, 2018
  • ICICI Prudential Life Insurance
    "Its Better"
    0.5 4.0/5 "Great!"
    At ICICI Prudential I make the half yearly life insurance premium around Rs.1701, totally its a term policy. It has the tenure of 40 years for the sum assured value of Rs. 10 lakhs. Its gives me accidental cover double the sum assured value, its cover unfortunate events, permanent disability, critical illness too.
    Was this review helpful? 0
    , pondicherry
    Reviewed on Jan 03, 2018
  • ICICI Prudential Life Insurance
    "Benefits are good"
    0.5 5.0/5 "Blown Away!"
    ICICI Prudential has good benefits on the term insurance policy. They have different types of coverages like a accidental coverage and critical illness coverage and the terms and conditions for these add on riders are better than the other insurance providers. The sum assured is also good. The tenure is for 30 to 35 approximately. The premium is on the higher side because it is a full coverage which is on a monthly basis. The soft copy was sent on time and the hard copy was delayed, because the first time it was not delivered by the courier for reasons unknown.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 03, 2018
  • ICICI Prudential Life Insurance
    "Overall a good experience"
    0.5 5.0/5 "Blown Away!"
    I have taken a normal term insurance from ICICI Prudential. There are no riders in this policy. The tenure is for 40 years and the premium is normal. It is of 587 on a monthly basis. The sum assured is for 50 years. The benefits and the coverage is good and the payment options are convenient.
    Was this review helpful? 0
    , ratnagiri
    Reviewed on Jan 03, 2018
  • ICICI Prudential Life Insurance
    "Overall good. Can do better"
    0.5 4.0/5 "Great!"
    ICICI Prudential is overall good when it comes to term insurance. The tenure is for 30 years and the premium I pay on a monthly basis. I received the hard and soft copy. The best benefit I see in this policy is the add on cover for the critical illness. I suggest that they can send a reminder every month before the payment date so that I do not miss out on it.
    Was this review helpful? 0
    , pune
    Reviewed on Jan 03, 2018
  • ICICI Prudential Life Insurance
    "Can provide better benefits"
    0.5 4.0/5 "Great!"
    ICICI prudential services are good as they contacted me and given me the necessary details for the term insurance. They are also clear about the payments. But they could do better in the benefits and coverage. They have a tenure of 40 years with a higher premium of 550 on a monthly basis. The sum assured is less, it is only for 30 lakhs. So when compared to Aegon, I am paying a higher premium for a lesser sum assured. The drawback is, they have charged me two premiums together when I purchased this policy.
    Was this review helpful? 0
    , pune
    Reviewed on Jan 03, 2018
  • ICICI Prudential Life Insurance
    "Beneficial. Can do better in services"
    0.5 4.0/5 "Great!"
    There are good benefits that I receive on term insurance from ICICI Prudential. There are add on features like a health coverage. The sum assured is also good and the premium is affordable. I am paying my premium on a monthly basis. The tenure is for ten years. The suggestion I have for them is that they should first collect my papers and then ask me to make the payment, because in case it was visa versa.
    Was this review helpful? 0
    , karaikudi
    Reviewed on Jan 02, 2018
  • ICICI Prudential Life Insurance
    "Clear process "
    0.5 5.0/5 "Blown Away!"
    The customer care of ICICI Prudential is very much professional, as they had provided a proper advise and the details were communicated on time. Since I am the only working member in my family I had chosen this term insurance policy for security reasons, just in case of any unforeseen reasons. The premium is of 8500 yearly. The tenure is for 30 years. Though they have charged a little more when compared to the other companies. It is worth the money because of the benefits in the policy.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 02, 2018
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