Reliance Critical Illness Health Insurance Policy

Entry Age

20 years to 50 years

Basis

Individual

Policy Period

1 year and 3 years

Renewability

Lifelong

Sum Insured

Rs. 5 lakhs, Rs. 7 lakhs or Rs. 10 lakhs

Medicals

Not required up to the age of 45 years. Mandatory thereafter

Coverage

1. or disabilities will be paid out if you survive 30 days after the diagnosis is given
2. For the payment to be made in case of Quadriplegia, the survival time is 60 days
3. Life threatening disease covered are:

1. Cancer of a specified nature
2. Organ transplants for major organs
3. Multiple sclerosis
4. Third degree burns
5. Surgery to graft an aorta

1. Diseases / conditions leading to disability:

1. Heart valve replacement
2. Being in a coma for more than 30 days
3. Quadriplegia
4. Blindness
5. End stage renal disease leading to the failure of both kidneys

Benefits

1. Premiums paid towards this policy are eligible for tax benefits under section 80D of the IT Act
2. The policy offers cashless hospitalisation facilities
3. No medical tests are required till the age of 45 years
4. Provides cover for 10 major illness and procedures
5. Provides lump sum payments to help pay for and plan treatment

Exclusions

Pre-existing diseases and condition will not be covered Diseases or conditions that develop in the first 3 months of the policy will not be covered Any diagnosis that is not scientifically recognises will not be covered Critical illness that result from pregnancy Critical illness that are a result of smoking, tobacco consumption, alcohol or drugs Cosmetic surgery or sex change operations Critical illnesses that are a result of HIV