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Today, when you are young and healthy, planning for a contingency is not always a priority but the cost of treating even the smallest of ailments is on the rise. You realize it only when you or your loved ones has to undergo some medical emergency and you are faced with the challenge of organizing funds to meet the hospitalisation related expenses. Hence a medical emergency comes not only with emotional turmoil but also with a huge expense attached to it.

During such an unexpected situation, your only concern should be that the best doctors and medical facilities are available and cost should not be a constraint so that you can take care of things without compromise but to ensure that best in class treatment is provided, the key to that is to be financially prepared for it.

To help you manage this unexpected emergency, ICICI Prudential, India's No. 1 private life insurer presents Hospital Care - a comprehensive insurance policy that has:

• Facility of cashless hospitalisation in more than 3000 network hospitals.

• Benefit amount will be paid in addition to payment received by you from other medical insurance plans.

• You will receive lump-sum benefit amount, irrespective of the actual billing.

• Long term guaranteed coverage up to 20 years.

• Tax benefits on premium paid up to Rs.15,000 under Section 80D.

1. HealthAssure
2. Health Assure Plus
3. Hospital Care
4. Cancer Care
5. Cancer Care Plus
6. Crisis Cover 
7. Diabetes Care
8. Diabetes Care Plus

• Get a benefit amount if you are hospitalized for more than 24 hours i.e. at least 2 consecutive nights and must be charged for 2 days room expenses.
• The benefit amount is fixed and will be paid irrespective of actual hospitalisation expenses.
• DHCB is payabale for hospitalisation up to 90 days per policy year, which includes any days spent in Intensive Care unit

Intensive Care Unit (ICU) benefit:

• An additional 50% of DHCB amount per day is paid to you if you get admitted to an Intensive Care Unit (ICU), and this amount is paid depending on the plan chosen.
• The ICU benefit is payable for hospitalisation up to 30 days per policy year, and is paid in addition to DHCB.

Recuperating benefit:

• A Post-hospitalisation benefit amount in addition to all other amount will be paid out to ensure that follow-up tests, medicines and consultations go ahead as planned.
• You are eligible for recuperating benefit only on being hospitalized continuously for 5 or more days DHCB.

Surgery benefit:

Over and above the hospitalisation expenses, a fixed lump-sum amount is also paid for more than 900 surgical procedures. These surgeries have been classified into four grades, depending on the type and serverity. A sample list of surgeries is given below:

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