Eligibility Criteria
| Minimum Entry Age |
18 years of age |
| Maximum Entry Age |
65 years of age |
Highlights
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. |
Exclusions
- 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