Health insurance is a necessity for all. With medical expenses soaring every day higher than a hang glider, paying for them could have you digging deep into the pockets of your jeans.

What should be covered?
# good health insurance policy holds several types of coverage.

# Hospital cost insurance pays your room, board, and other incidental services costs if you’re hospitalized.

# Surgical expense insurance covers surgeons fees and all the related costs associated with surgery.

# Physicians cost insurance pays for visits to a doctor’s office or for a doctor’s hospital visits.

# Major medical insurance offers tremendously wide insurance coverage with a very high maximum benefit that’s designed to protect you against losses from catastrophic illness or any injury.

Information about Critical Care Insurance from ICICI Lombard is given here

Critical Care Insurance from ICICI Lombard

Critical Care protects you or your spouse against loss of income on diagnosis of any of the 9 major medical illnesses and procedures. The first of its kind, it offers a lump sum benefit on diagnosis of Cancer, Bypass Surgery, Heart Attack, Kidney Failure, Major Organ Transplant, Stroke, Paralysis, Heart Valve Replacement Surgery or Multiple Sclerosis. Critical Care Insurance also provides cover against accidental death and permanent total disablement (PTD).

Critical Care offers you a choice of coverage on both the sum insured and the tenure of the policy. You can choose the sum insured of Rs 6,00,000 or Rs. 12,00,000 over a period of 3 or 5 years. The premium would be calculated accordingly.

The policy provides lump sum benefit on diagnosis of any of 9 Critical Illnesses, Accidental Death and Permanent Total Disablement (PTD).

Critical Illness Cover
The Critical Care Insurance shall cover, subsequent to 90 days from the policy start date, the following major medical illnesses and procedures:

1. Cancer
2. Coronary Artery Bypass Graft Surgery
3. Myocardial Infarction (Heart Attack)
4. Kidney Failure (End Stage Renal Failure)
5. Major Organ Transplant
6. Stroke
7. Paralysis
8. Heart Valve Replacement Surgery
9. Multiple Sclerosis

On diagnosis of any of the above illnesses, the insured is entitled to the lumpsum benefit of the entire Sum Insured opted for.

Accidental Death Cover
In case of death of the insured due to an accident within the policy period, the nominee (mentioned in the policy) is compensated with the Sum Insured (opted at the time of policy issuance).

Permanent Total Disablement (PTD) Cover
Critical Care insures against the permanent and total loss of limbs, sight etc., due to an accident. The compensation (Sum insured opted for) is given as a lump sum benefit. It is to be noted that the compensation is payable only if the disablement results in inability to remain gainfully employed.

 Benefits of Critical care Insurance
Comprehensive Cover – Lump sum benefit on diagnosis of any of 9 Critical Illnesses, Personal Accident and Permanent Total Disablement (PTD) Cover.
Choice of coverage – Choose between Rs. 6,00,000 or Rs. 12,00,000 sum insured and 3 or 5 years of policy duration.
Avail tax benefit under section 80D of Income Tax Act.
No health check-up required.
No 30 day survival period, benefit paid immediately on diagnosis.

Eligibility
The insured can be either you or your spouse
The insured needs to be between 20 – 45 years of age
Age is calculated as on the date the policy is issued (i.e.age completed as on his last birthday)

Claim Process
In order to make a claim, make an immediate notice in writing to the Company
Critical Illness Claim: Intimate ICICI Lombard within 30 days from the date of diagnosis of the concerned illness/surgical procedure
Personal Accident Claim: Intimate ICICI Lombard within 7 days from the date of occurrence of the accident/ injury
Submit all reasonable documents – information, assistance and proofs in connection with any claim within 30 days from the occurrence of the event.

Documents required to make a claim

Critical Illness Claim

The documents required for making a Critical Illnesses Claim are as follows:

Doctor’s Certificate confirming the following:
Insured person’s name
Name, date of occurrence and medical details of the illness/surgery
Confirmation of the absence of any pre-existing Illness or Injury within the   first 3 months of policy start date
Duly completed claim forms
Original Discharge Certificate/ Card from the hospital/ Doctor
Original investigation test reports, indoor case papers

Personal Accident Claim

The documents required for making a Personal Accident claim are as follows:

Duly completed claim form
Doctor’s Report
First Information Report and Final Police report, wherever necessary
Death certificate, wherever applicable
Investigation Reports like Laboratory test, X-rays and reports essential of confirmation of the Injury
Disability certificate from a government certified Doctor or government hospital confirming the extent and nature of disability
Post mortem report, if applicable
Any other supporting documents as may be required by the CompanySources : http://www.icicilombard.com/