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    ICICI Pru Heart/Cancer Protect Plan

    Life Insurance
    • Premiums as low as Rs.17/day for sum assured of Rs.1 crore*
    • Claim up to Rs. 1,50,000 deduction under section 80C**
    • Choose between annual and monthly premium payment options

    India is home to one of the largest population of cancer patients in the world, with the National Institute of Cancer Prevention and Research (NICPR) estimating the number of cancer patients in India to be around 2.5 million. The country sees over 5 lakh cancer-related deaths every year, with this number increasing. In addition to cancer, India is also home to a huge number of people with heart ailments, with almost each of us knowing someone suffering from heart conditions.

    These numbers make it extremely important for us to protect our life and health, and while cancer/heart ailments cannot be completely eliminated from our lives, we can work towards steps to reduce the impact these killers can have on our family. The average cost of treating cancer/heart diseases can run in lakhs, making treatment for these highly expensive. ICICI Pru Heart/Cancer Protect Plan is designed to reduce some of this burden, with the plan offering financial protection against these ailments.

    Eligibility - Who is the ICICI Pru Heart/Cancer Protect Plan for?

    ICICI Pru’s Heart/Cancer Protect Plan can be purchased by anyone looking to protect themselves from the financial costs of treating cancer/heart related diseases. Listed below are the eligibility criteria one needs to satisfy in order to purchase this plan:

    Minimum entry age 18 years
    Maximum entry age 65 years
    Maximum maturity age 70 years

    Sum Assured and Premium Range – What you get and what it costs?

    Treating cancer is expensive, with chemotherapy and scans required at regular intervals. A typical chemotherapy cycle can cost anywhere between Rs.50,000 and Rs.2 lakh, with the total cost of treatment going up to around Rs.30 lakh in certain cases. Treatment for heart ailments are also expensive, with it likely to leave a huge hole in the bank account of a patient.

    Minimum sum assured* Rs.2 lakh (for heart or cancer cover) Rs.4 lakh (for heart plus cancer cover)
    Maximum sum assured* Rs.25 lakh for heart cover Rs.50 lakh for cancer cover Rs.75 lakh for heart plus cancer cover
    Policy period Minimum: 5 years Maximum: 40 years
    Premium payment mode
    • Monthly
    • Half-yearly
    • Yearly
    • Single
    Premium** Based on the sum assured chosen

    **Premiums vary based on age, location, plan term and other factors.

    *It is possible for the cover to increase, based on the type of plan chosen.

    Plan Coverage – What the ICICI Pru Heart/Cancer Protect Plan covers?

    ICICI Pru Heart/Cancer Protect Plan is designed to provide financial assistance to meet any expenditure arising out of diagnosis with cancer/heart ailments. The table below highlights the different benefits provided under this plan.

    Type of benefit Features of the benefit
    Lumpsum payout The policyholder is paid a lumpsum amount if he/she is diagnosed with any illness covered under the plan. If it is a minor condition, 25% of the sum assured is paid, whereas a serious condition warrants payment of the full sum assured.
    Increasing Cover Benefit The sum assured increases by 10% each year. This amount is added to the sum assured until the time of first claim, subject to the increased sum assured being less than twice the initial sum assured.
    Hospital Benefit The plan provides a sum of Rs.5,000 per day if a policyholder is hospitalised on account of an ailment covered under the plan.
    Income Benefit The policyholder receives 1% of the initial sum assured for 60 months. The amount is paid monthly for 5 years.

    Note that there is no death benefit provided under this policy. The amount is paid only if the policyholder is diagnosed with cancer or a heart ailment.

    Exclusion - What the ICICI Pru Heart/Cancer Protect Plan doesn’t cover?

    Some of the exclusions of this policy are highlighted below:

    • Any condition which is not mentioned in the plan.
    • Pre-existing conditions are not covered under this scheme. This includes any existing heart ailment, pre-cancerous diagnosis, etc.
    • Self-inflicted injuries/damage to self under the influence of any intoxicant/in a sane mind are not covered.
    • Any illness arising out of radioactive contamination.
    • Conditions related to congenital issues.
    • Any illness/ailment arising out of dangerous activities.
    • The hospital benefit does not cover any expense related to organ transplant.
    • No hospital benefit is provided if one undergoes alternate treatments like Ayurveda, homeopathy, unani, etc.

    Other Key Features – Free-look period, grace period, etc.

    Free-look period A policyholder can choose to return the policy if he/she disagrees with the terms and conditions. This can be done within 30 days of purchase (if policy was purchased through distance marketing). Policies purchased through other means have a 15 day free-look period.
    Discounts on premium The plan offers the following discounts:
    • 5% for existing customers
    • 5% for combined cover (with spouse)
    • 2% if policy is purchased online
    • 2% if one opts for heart plus cancer cover
    Grace period
    • 15 days for monthly premium payment
    • 30 days for other premium payment modes
    Policy revival Lapsed policies can be revived only if all premiums are paid within 2 years of first unpaid due. This is subject to the rules followed by the company.
    Nominee A policyholder can appoint a nominee as per existing rules.
    Assignment Applicable, as per Section 38 of the Insurance Act of 1938.
    Survival period 7 days for heart ailments

    Tax Benefits – How you can save with the ICICI Pru Heart/Cancer Protect Plan?

    Policyholders are entitled to tax benefits under Section 80D of the Income Tax Act. Under this section, one can save Rs.25,000 on premiums paid towards their scheme.

    Other Benefits – How you can save with the ICICI Pru Heart/Cancer Protect Plan?

    Some of the other benefits of choosing this plan are highlighted below:

    • Online – One can purchase this plan online, with an additional 2% discount offered on premium.
    • Choice of hospital – One can choose a hospital of their choice. The plan has no restrictions, ensuring that a policyholder can get treated at the hospital he/she likes.
    • Waiver of premium – Future premiums are waived if a policyholder is diagnosed with a minor condition or permanent disability.
    • Multiple payment modes – One can pay the premiums either through credit cards, debit cards, online wallets, or netbanking.

    Why should you buy the ICICI Pru Heart/Cancer Protect Plan?

    ICICI Pru is one of the largest private insurers in the country, offering a number of products to customers. The brand is known for its attention to detail, helping one customise a plan based on their needs. It had a high claim settlement ratio of 96.20% as of 2015-2016, with the grievances solved ratio being 99.87%. Given these numbers, a policyholder can be rest assured that he/she will receive the protection offered under the ICICI Pru Heart/Cancer Protect Plan.

    With the cost of treating heart related ailments increasing, it is important to have a plan to combat them. This scheme is ideal for people who wish to protect themselves against expensive medical bills. Purchasing this plan can ensure that one doesn’t go bankrupt in order to treat cancer/heart diseases.  

    ICICI Pru Heart/Cancer Protect Plan Reviews

    • ICICI Prudential Life Insurance
      "EXCELENT"
      0.5 5.0/5 "Blown Away!"
      All over my life insurance is very good one and when it comes for the payment i will be doing it through the salary account. I pay for monthly once and still i have not yet received the hard copy yet. In my insurance the nominee get benefited, there is a very good customer service provided by them.
      Was this review helpful? 0
      , bharatpur
      Reviewed on May 18, 2018
    • ICICI Prudential Life Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have got my life insurance through paperless approval and it is easy to get my insurance. The customer service provided by them is good. When it comes to the plan benefit it is good and also added on that my payment for my life insurance is that i will be paying monthly once through on line.
      Was this review helpful? 0
      , rajkot
      Reviewed on May 18, 2018
    • ICICI Prudential Life Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have taken the policy and i used pay through ECS. I used to make the premium of Rs. 1100/ annually. It is 25 years tenure which too long. Sum assured amount Rs. 50 Lakhs. If my wife will expired then i will get benefits Since, Policy is in my wife's name.
      Was this review helpful? 0
      , surat
      Reviewed on May 18, 2018
    • ICICI Prudential Life Insurance
      "Good policy"
      0.5 3.0/5 "Satisfactory"
      Got my life insurance from Icici prudential , its normal policy coverage with normal term benefits . It has tenure period of 20 years . Their customer service and response is good especially when it comes to documentation and queries. Overall am satisfied with this policy.
      Was this review helpful? 0
      , thane
      Reviewed on May 16, 2018
    • ICICI Prudential Life Insurance
      "Good Policy to Go With"
      0.5 5.0/5 "Blown Away!"
      ICICI has a brand value. This is my1st transaction with ICICI Prudential. Sum assured amount Rs; 50 L. Term premium amount is Rs.790 monthly. Total Tenure of the policy is 30 years. They are not providing any unique benefits. They are providing the same benefits what others are providing.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 16, 2018
    • ICICI Prudential Life Insurance
      "EXCELENT"
      0.5 5.0/5 "Blown Away!"
      As of now what i have experienced with the ICICI PRUDENTIAL is excellent and at the beginning the experience with the documentation is very good. I got the documentation completely through on line. Payment what i do for my insurance is through on line for every month.
      Was this review helpful? 0
      , lucknow
      Reviewed on May 15, 2018
    • ICICI Prudential Life Insurance
      "One of the Best Product "
      0.5 5.0/5 "Blown Away!"
      I have been using this policy for 3 years. Premium amount Rs. 1300/monthl with the coverage 2 crore. Tenure of 35 years and more. Just because of Claim settlement is high and settlement ratio is good like 97%. One of the best Term insurance in the market last year. I have recommended this policy to my friends. I used to pay through auto debit. They used to do Auto debit from my account every month.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 15, 2018
    • ICICI Prudential Life Insurance
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      From since last 5-6 months i am using my health insurance from ICICI PRUDENTIAL. At the beginning i got a very good response and latter they had not explained the proper complete policy and so i stopped to pay my dues. So i decided to close my insurance and get from another company.
      Was this review helpful? 0
      , guntur
      Reviewed on May 14, 2018
    • ICICI Prudential Life Insurance
      "GOOD"
      0.5 3.0/5 "Satisfactory"
      Actually they have not explained the policy properly and also so that i am not able to know the proper detail about this insurance. I thought it would be different but due to them they have not explained properly i have choose wrong one. Apart from that there is a good customer service.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 14, 2018
    • ICICI Prudential Life Insurance
      "extra ordinary policy"
      0.5 5.0/5 "Blown Away!"
      I own a Life insurance policy from the Top most private sector insurance company ICICI PRUDENTIAL. My monthly premium amount is Rs. 2422/-. They are providing additional benefits like cash backs in the form of non claim bonus too. I can prefer online payments to renew my life insurance policy with in due time.
      Was this review helpful? 0
      , dhanbad
      Reviewed on Mar 18, 2018
    • ICICI Prudential Life Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      My friends have suggested ICICI Prudential term policy, the policy cost is cheap and best. I paid the amount around Rs. 654 on monthly basis, it has term of 30 years., ICICI prudential has maturity cover upto 70 years. I have selected the sum assured of Rs. 70 lakhs, they do provide coverage for critical illness and waiver on disability.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 15, 2018
    • ICICI Prudential Life Insurance
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I have a life insurance policy taken from Icici Prudential it's basically a term policy, the policy seems to be fine and OK. As it is the term policy I took it for the security reasons and for the family. I found the policy to be suitable so I have taken this policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 14, 2018
    • ICICI Prudential Life Insurance
      "The best experience"
      0.5 5.0/5 "Blown Away!"
      I hold a Term insurance policy from the ICICI Prudential insurance. My annual premium amount is Rs. 4,428 which is very affordable by comparing with other insurance policies. I got my policy with in one day. I interacted with the customer care regarding my term insurance policy, they sorted all the queries.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 14, 2018
    • ICICI Prudential Life Insurance
      "Smart Protect for Family"
      0.5 5.0/5 "Blown Away!"
      ICICI prudential I protect smart term plan is good, I make monthly premium around Rs. 2040 for 20 years term. I have chosen sum assured value around Rs.36 lakhs, it gives waiver on disability. But I felt difficulties, only for the medical check up I should travel for 35km. But the medical agent coordinated very well.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 08, 2018
    • ICICI Prudential Life Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I own a term insurance policy from the top most private sector insurance company ICICI PRUDENTIAL. My annual premium amount is Rs. Rs. 5,604/- which is very affordable by comparing with the polices. I didn't have any interaction and any communication with them. Over all the product is good.
      Was this review helpful? 0
      , haridwar
      Reviewed on Mar 08, 2018
    • ICICI Prudential Life Insurance
      "Smart Protect for Family"
      0.5 4.5/5 "Excellent!"
      I applied Life Insurance through online channel, they connected with ICICI prudential. I took term insurance for me and my wife. I used to make monthly premium around Rs. 894 it has life cover sum assured value around Rs. 64 lakhs, They give waiver on disability for particular disease, my spouse plan name is called I protect Smart- LIFE.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 08, 2018
    • ICICI Prudential Life Insurance
      "Good for Family"
      0.5 4.0/5 "Great!"
      I took term insurance for my family from ICICI Prudential, because I am getting good monthly premium around Rs. 649 and my family get the lump sum amount around Rs.45,00,000. ICICI Prudential gives critical illness. in ICICI Prudential iProtect Smart - Life for 30 years term.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 08, 2018
    • ICICI Prudential Life Insurance
      "Smart Protect"
      0.5 4.0/5 "Great!"
      I am very satisfied with ICICI Prudential because of the sum assured value, the policy cost is also cheap. I paid the monthly premium around Rs.700 it has total tenure of 20 years. My family will get the coverage value of Rs. 40 lakhs . My plan I protect Smart plan has tax benefits, life cover, critical illness, accidental coverage.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 08, 2018
    • ICICI Prudential Life Insurance
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      The plan benefits and policy coverage was really good. I am paying premium of 4,547 rupees for a month. I have taken a term insurance in ICICI Prudential by last year. The payment was debited automatically from my credit card. The customer support was helpful.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 07, 2018
    • ICICI Prudential Life Insurance
      "Average"
      0.5 2.5/5 "Just OK"
      I have taken a life insurance policy from Icici Prudential. The only doubt I have is about the rumors that if any thing in between effects my policy or at the time of maturity will this company provide me right solution. Until now the policy coverage I am satisfied the total premium that I paid is around Rs. 2,012 and sum assured to me is around Rs. 32,00,000 for the period of Rs. 25 years.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 07, 2018
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