Eligibility age

Min – 21 years

Max – 65 years

Dependent children within 21 – 26 years old and pursuing full time studies.

Unmarried and/or unemployed girl child can be covered.

Basis

Individual

Premium

Sum assured

Rs.1 lakh, Rs.3 lakhs, Rs.5 lakhs and Rs.10 lakhs.

Policy term

1 year

Renewability

Lifetime renewability option

Cover offered

Lump sum paid out in case the insured is diagnosed with any of the following critical illnesses:

1. Cancer of specified severity

2. First heart attack

3. Coma of specified severity

4. Kidney failure

5. Heart valve replacement

6. Coronary artery surgery (CABG) open chest CABG

7. Stroke resulting in permanent symptoms

8. Multiple sclerosis

9. Major organ or bone marrow transplant

10. Permanent paralysis of limbs

11. Motor neuron disease with permanent symptoms

Benefits

• Cashless hospitalization in any of the network hospitals.

• Tax exemptions as per Section 80D of the Income Tax Act, 1961.

Exclusions

The following exclusions are in effect:

• Pre-existing diseases not covered.

• Any of the specified critical illnesses being diagnosed in the first 90 days.

• Survival period of 30 days.

• Drug or alcohol addiction.

• HIV/AIDS and related diseases.

• Smoking more than 40 cigarettes a day.

• Attempted suicide or self-inflicted injury.

• Conditions arising out of war, invasion.

• Ionizing radiation or contamination by radiation issues.