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Note : A brief snapshot about the policy is given.For complete information refer to policy wordings or visit our nearest branch office.

The policy has various Sum Insured options of Rs.1 lac, Rs.3 lacs, Rs.5 lacs and Rs.10 lacs. The policy has a waiting period of 90 days from date of inception of policy and a survival period of 30 days from date of diagnosis.

The policy covers eleven Critical Illness, as defined in the policy, and provides for payment of a lump sum in case the insured is diagnosed with one of the critical illness during the period of Insurance for the first time. Persons between the age of 21 and 65 years are eligible to take the policy.

The Policy covers the following critical illnesses

1) CANCER OF SPECIFIED SEVERITY

2) FIRST HEART ATTACK- of specified severity

3) CORONARY ARTERY SURGERY (CABG) Open Chest CABG

4) HEART VALVE REPLACEMENT

5) COMA OF SPECIFIED SEVERITY

6) KIDNEY FAILURE

7) STROKE RESULTING IN PERMANENT SYMPTOMS

8) MAJOR ORGAN / BONE MARROW TRANSPLANT

9) MULTIPLE SCLEROSIS

10) MOTOR NEURONE DISEASE WITH PERMANENT SYMPTOMS

11) PERMANENT PARALYSIS OF LIMBS

Free Look period of 15 days shall be applicable at the inception of the first policy for the insured to review the terms of the policy.

Premium paid for self, spouse, dependent children and dependent parents are exempt from Income Tax under Section 80-D of the IT act as per rules in force.

For detailed terms and conditions, please see our Prospectus and Policy in our website.

If the insured fails to remit premium for renewal before expiry of the period of insurance, but within 30 days thereafter, admissibility of any claim during the period of subsequent policy shall be considered in the same manner as under a policy renewed without break. The Company however shall not be liable for any claim arising out of ailment suffered in the interim period after expiry of the earlier policy and prior to date of commencement of subsequent policy.

All claims shall be paid in Indian Rupees only.

Upon happening of any event, notice of Intimation about the diagnosis of the illness or claim should be sent to the address of Insurer stated in the Policy.

Claim form should be collected on intimation of claim. The completed claim form along with all required/relevant documents should be submitted to the Insurer within 30 days from the date of discharge from the hospital. The Insured person shall submit to medical examination on behalf of and at the expenses of the Company as shall be required in connection with any claim.

List of documents to be submitted shall include

1 Claim form

2 Treating Physician’s Certificate

3 Original/Attested copy of Discharge summary

4 Original/Attested copies of all lab/radiological/Histopathological/investigation reports

5 Original/Attested copies of Indoor case papers (if needed)

6 Original/Attested copies of all the medical bills

7 Any other document (e.g. Disability Certificate, Dialysis records, etc.) deemed necessary at the time of claim investigation for a specific Critical illness condition.

1. Such Critical Illness caused by or associated with directly or indirectly by any of the following:

Attempted suicide or intentional self-inflicted injury by the insured person.

Addiction to alcohol or drugs.

Disease in the presence of HIV/AIDS infection.

Smoking more than 40 cigarettes/ cigars or equivalent tobacco intake in a day

2. Critical Illness symptom/s ( and / or the treatment ) of which were present in the insured person at any time before inception of this policy or on the date on which cover here under was granted to such insured person, or which manifests itself within a period of three calendar months from such date, whether or not the insured or the insured person has knowledge that the symptoms or treatment were related to such Critical Illness.

4. Any claim whether directly or indirectly, occasioned by happening through or arising from any consequence of war invasion, act of foreign enemy hostilities ( whether war be declared or not or any civil war mutiny rebellion, revolution insurrection, military or usurped power.

5. Any claim whether directly or indirectly caused by contributed to or by or arising from ionising radiation or contamination by radioactivity from any nuclear fuel or any nuclear waste from the combustion of nuclear fuel or from any nuclear weapons materials

For illness-wise exclusions and detailed exclusions, please see policy in our website.

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