Secure Mind ICICI Lombard

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Get peace of mind with Secure Mind

Changes in life and uncertainties wait at every corner. Important milestones such as children’s education, purchase of a house and its monthly loan instalments and ongoing expenses involved in everyday life are exposed to risk and may get disturbed.

ICICI Lombard General Insurance Company Limited offers Secure Mind to protect your family from future uncertainties. An insurance plan to cover you from the most important threats that affect a person’s financial stability.

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Features

• Lifetime Renewability
• Simple Health declaration required
• Easy Claim Settlement with minimal documentation
• Pre policy Medical check - up required for 46 years and above
• Tax benefit under section 80D Income Tax Act 1961

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The policy covers the Sum Insured, on account of any of the following:

I. Diagnosis of Major Medical Illness and Procedures (*)

II (I) Death of Insured Person on account of an Accident

(II) Permanent Total Disablement (PTD) on account of an Accident resulting in the inability to remain gainfully employed

(III) Loss of employment on account of retrenchment or layoffs on account of

(a) Employer rules and regulations (Example, closure of a division or a department on account of poor financial health) or

(b) Action of any Public Authority leading to closure of the employer firm; or

(c) Termination from employment due to illness

(For salaried employees only and Maximum Liability of the Company - 3 EMI's)

The coverage is based on Sum Insured opted at the time of availing of the policy.

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Policy Coverage

• In the event of Death or Permanent Total Disablement on account of an Accident resulting in your inability to remain gainfully employed, the Sum Insured is paid
• The cover under the Policy commences right from the date of receipt of full premium amount by ICICI Lombard (subject to receipt of satisfactory health declaration)

The cover ends if any of the following occurs:

• Expiry of the policy period
• In case of payment of Death, Disability or Major Medical Illness and Procedures claim

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General Exclusions

The Company shall not be liable to make any payment arising directly or indirectly due to following:

• Any Major Medical Illness and procedures existing before the commencement of the policy or diagnosed / undergone within 90 days of the inception of the policy
• Mental disorder or insanity
• Intentional self - injury or suicide or attempted suicide
• Use / Misuse of liquor / drugs
• Venereal diseases, AIDS
• Pregnancy and child birth
• War, riot, strike
• Nuclear weapons induced acts
• Mounting into, dismounting from or traveling in any aircraft other than as a fare paying passenger or as a licensed pilot, on a scheduled commercial flight

This is only an indicative list. For detailed exclusions, please refer to the Policy Wordings.

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Eligibility Condition

The Insurance will be offered to the customers who meet the following criteria:

• Age criteria at entry: Minimum 20 years, Maximum 65 years
• You should not have suffered from any of the Major Medical Illness and Procedures Covered under this product
• Satisfactory completion of health declaration form

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Terms of Renewability

• The policy can be renewed under the then prevailing Secure Mind policy or its nearest substitute, approved by IRDA
• Renewal Premium - Premium payable on renewal and subsequent continuation of cover are subject to change with prior approval from IRDA
• Grace period - The policy may be renewed by mutual consent and in such event the renewal premium shall be paid to us on or before the date of expiry of the policy and in no case later than the 30 days (grace period) from the expiry of the policy. You will be treated as continuously covered in terms of continuity of benefit during such grace period. However we will not be liable for any claim for the period for which the premium is not received by us
• A health insurance policy shall ordinarily be renewable except on grounds of fraud, moral hazard or misrepresentation or non-cooperation by the insured

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Cancellation / Termination of Policy

(a) Disclosure to information norm

a) The Policy shall be void and all premium paid hereon shall be forfeited to the Company, in the event of misrepresentation, mis-description or non-disclosure of any material fact

b) You may cancel this Policy by giving us 15 days written notice and in such case We shall refund premium on short term basis for the unexpired Policy Period as per the rates detailed below, provided no claim has been payable on Your behalf under the Policy

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