| 6- ICICI Lombard General Insurance Company Limited - Critical Illness Insuranc |
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| Eligibility |
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- The insured can be either you or your spouse.
- The minimum entry age of the insured can be 20 years and the maximum entry age of the insured can be 45 years. However, the policy can be renewed up to 50 years of age. (i.e. age completed as on last birthday)
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| Exclusions |
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| Exclusions applicable to Major Medical Illness and Procedures section: |
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| 90 Days Exclusion: |
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| Any illnesses and procedures within 90 days from start date of policy will not be covered. This clause does not apply for subsequent renewal (without a break) of this policy with us. |
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| Major Exclusions |
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| The Company shall not be liable under this policy for: |
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- Any Pre-Existing illness
- Absence of submission of Doctor's medical certificate confirming the first diagnosis / undergoing of Illness or Injury or undergoing of medical / surgical procedure
- Any congenital illness or condition
- Any medical procedure or treatment, which is not medically necessary or not performed by a certified Doctor
- Any physical, medical or mental condition, illness, injury or treatment or service which is specifically excluded under the Policy
- Treatment relating to birth defects and external congenital Illnesses
- Birth control procedures and hormone replacement therapy
- Any treatment / surgery for change of sex or any cosmetic surgery or treatment
- Treatment by family member and self-medication or any treatment that is not scientifically recognised
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| Exclusions applicable to Accidental Death / Permanent Total Disability due to accident |
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| The Company shall not be liable under this policy for: |
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- Compensation / Claim under more than one of the categories specified in the Policy
- Coverage in respect of the same period of disablement of the Insured Person
- Claims arising out of sickness / illness
- Permanent Total Disablement prior to commencement of the policy
- ADeath, injury or disablement of Insured Person:
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- From intentional self-injury, suicide or attempted suicide
- Whilst under the influence of intoxicating liquor or drugs
- Directly or indirectly caused by venereal disease or AIDS
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- Directly or indirectly caused by or contributed to or aggravated or prolonged by childbirth or pregnancy or in consequence thereof
- Engagement in dangerous activities
- Mounting into, dismounting from or travelling in any aircraft other than as a fare paying passenger on a scheduled flight
- Mental disorder or psychosomatic dysfunction
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