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Key Benefits
 | Pre-existing disease - Pre-existing disease covered after 3 years. |
| Income Tax Benefit - The premium payable is eligible for tax rebate as per Sec. 80D of Income Tax Act. (Premium payable only by cheque.) |
| Cash when you need it most - In case of Critical Illness you will be paid lump sum amount on diagnosis irrespective of your stay in the hospital on actual bills. |
| No Claim Discount - If no claim made in a year a discount of 5% will be given on renewal premium. |
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Policy Coverage
| Critical Illness - Under this product the Insured is compensated to the extent of Sum Insured if during the policy period the insured is found to have contracted a Critical Illness during the period of insurance, and survives such Critical Illness for at least 24 hours from the date of discovery.
A lump sum amount equal to the Sum Insured (SI) will be paid to the Insured on confirmation of diagnosis of
the diseases covered under the policy.
The cover will be terminated after payment of a Critical illness claim.
Diseases covered under the policy are as follows-
- Heart Attack
- Valve Replacement
- Coronary Artery Bypass /Graft Surgery
- Cancer
- Kidney Failure
- Stroke
- Multiple Sclerosis
- Major Organ Transplant- Liver, Kidney, Heart, Bone Marrow, Pancreas, Lung |
| Personal Accident
Lump sum benefit payment on death or if permanently and totally disabled due to accident. |
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Policy Exclusions
| Any Critical Illness discovered with 30 days of the inception of the policy. |
| Pre-existing diseases |
| Pregnancy and child birth related |
| HIV / AIDS |
| Plastic / Cosmetic surgery |
| International self-injury |
| Use/misuse of drugs or alcohol |
| War, riot, strike, terrorism acts, nuclear weapon induced |
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