General Insurance

Lifestyle Protection - Critical Care Plan

Eligibility Criteria

Minimum Entry Age 18 years of age
Maximum Entry Age 65 years of age


Coverage is available under 2 plans:

Basic: Coverage for 15 Critical Illnesses.

Enhanced: Coverage for 30 Critical Illnesses.

Standard Waiting period: 90 days.

Survival period: 30 days following the 1st diagnosis of critical illness for 1st time.

Product Features

Sum Insured (in Rs.) 1 lac to 25 crores
30 Critical Illness covered
  • Cancer of specified severity
  • First heart attack of specified severity
  • Open chest CABG
  • Open heart replacement
  • Coma of specified severity
  • Kidney failure
  • Stroke resulting in permanent symptoms
  • Major organ/bone marrow transplant
  • Permanent paralysis of limbs
  • Motor neurone disease with permanent symptoms
  • Multiple sclerosis with persisting symptoms
  • Primary pulmonary hypertension
  • Aorta Graft Surgery
  • Loss of hearing
  • Loss of sight
  • Coronary artery disease
  • Aplastic anemia
  • End stage lung disease
  • End stage liver failure
  • Major burns
  • Fulminant Hepatitis
  • Alzheimer’s disease
  • Bacterial Meningitis
  • Benign Brain Tumor
  • Apallic Syndrome
  • Parkinson’s disease
  • Medullary cystic disease
  • Muscular dystrophy
  • Loss of speech
  • Systematic Lupus Erythematous
Critical Illness, Medical Events and Surgical Procedures 100% of Sum Insured
Second Opinion If an insured person is suffering from any of the above critical illness and he wish to get a second opinion of an expert/doctor company arranges a one during the lifetime of policy for them with no extra cost.


  • Any pre existing illness.
  • Any diagnosis of diseases/ undergoing of surgery/ occurrence of event, whose signs or symptoms first occur within 90 days of Policy Period start date.
  • Expenses attributable to self inflicted injury (resulting from suicide, attempted suicide).
  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse.
  • Medical expenses incurred for treatment of AIDS.
  • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences.
  • Congenital disease