The Plan provides lump sum cash benefit on the Diagnosis of one of the defined Critical Illnesses.

Targeted towards the health conscious individuals (young to ageing couples) this policy covers 11 critical illnesses.

• Features

  Unique Features

  Lumpsum Benefit on Diagnosis: Pays a lump sum benefit upto Rs. 15,00,000 if diagnosed to be suffering from a Critical Illness covered under the plan and it is the first incidence.

  Second Opinion Benefit: Criticare provides for taking another opinion on the first diagnosis of the Critical Illness. The second opinion agency transfers the medical reports and diagnosis to a expert panel in US for review and independent opinion on diagnosis and line of treatment. This facility is absolutely free of cost to the customer and is applicable on the covered Critical Illnesses only.

  Additional Features

  • No medical examination is required - Guaranteed Acceptance (the ages of 18 and 60 years)



• Cover Includes

  Critical Illnesses covered

  • First Heart Attack
  • Stroke
  • Cancer (excluding skin cancer)
  • Kidney Failure
  • Major Organ Transplant
  • Coma
  • Major Burns
  • Multiple Sclerosis
  • Kidney Failure Total Blindness
  
  

  Coverage & Annual Premium (in Rs.)

Premium mentioned is Annual (in Rs) & inclusive of applicable Service Tax. The premium paid (upto Rs 10,000) is exempt from Income Tax under Sec 80 D of Income Tax act. This Policy does not cover andy Pre-Existing Medical Condition. Please read the Health Data Declaration clause before signing.

• Exclusions

  This entire Policy does not provide benefits for any loss resulting in whole or in part from, or expenses incurred, directly or indirectly in respect of:

1. Any Pre-existing Condition; or
2. Suicide, attempted suicide (whether sane or insane) or intentionally self?inflicted Injury or Illness, or sexually transmitted conditions, mental or nervous disorder, anxiety, stress or depression, Acquired Immune Deficiency Syndrome (AIDS), Human Immune deficiency Virus (HIV) infection; or
3. Serving in any branch of the Military or Armed Forces of any country, whether in peace or War, and in such an event We, upon written notification by You, shall return the pro rata premium for any such period of service during the circumstances described in Hazards H-1 or H-2; or
4. Being under the influence of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a Physician and taken as prescribed;or
5. Participation in an actual or attempted felony, riot, crime, misdemeanor, or civil commotion;or
6. Operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft; or
7. War, civil War, invasion, insurrection, revolution, act of foreign enemy, hostilities (whether War be declared or not), rebellion, mutiny, use of military power or usurpation of government or military power; or
8. Terrorist Act; or
9. The intentional use of military force to intercept, prevent, or mitigate any known or suspected Terrorist Act; or
10. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel; or
11. The radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment; or
12. Self exposure to needless peril (except in an attempt to save human life); or
13. Congenital anomalies or any complications or conditions arising therefrom; or
14. Participation in winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing (where ropes or guides are customarily used), riding or driving in races or rallies using a motorized vehicle or bicycle, caving or pot-holing, hunting or equestrian activities, skin diving or other underwater activity, rafting or canoeing involving white water rapids, yachting or boating outside coastal waters (2 miles), participation in any Professional Sports, any bodily contact sport or any other hazardous or potentially dangerous sport for which You are untrained; or
15. Is caused by osteoporosis (porosity and brittleness of the bones due to loss of protein from the bones matrix) or pathological fracture (any fracture in an area where pre-existing Disease has caused the weakening of the bone) if osteoporosis or bone Disease diagnosed prior to the Policy Effective Date.
16. In addition to the General Exclusions listed in this Policy this coverage section shall not cover:
    • Loss caused directly or indirectly, wholly or partly by infections (except pyogenic infections which shall occur through an Accidental cut or wound) or any other kind of Disease;
    • Medical or surgical treatment except as may be necessary solely as a result of Injury
    • Any Injury which shall result in hernia.