After a waiting period of 90 days, this policy covers treatments relating to Cardiac diseases. This waiting period will not apply for renewals.
Expenses reasonably and necessarily incurred at any Networked Facility in India herein defined as an Out-patient Treatment, provided policy is in force
The limit of benefit under this Section is Rs.500/- per event subject to a maximum of Rs.1500/- per policy period. This benefit forms part of the Sum Insured.
If at any time during the Period of Insurance, the Insured Person shall sustain any bodily injury resulting solely and directly from an Accident caused by external, violent and visible means and if such accident causes death of the Insured Person within 12 Calendar months from the date of Accident, then the Company will pay the Sum Insured mentioned in the schedule as compensation
Expenses for treatment of Cataract are payable up to Rs.20,000/- per hospitalization and Rs.30,000/- for the entire policy period.
10% of each and every claim amount for insured persons beyond 60 years of age at entry level and renewals thereafter.(Applicable for Section 1 only)
No pre-acceptance medical screening. However the proposer has to submit all the past medical records of the person proposed for insurance.
Please refer to policy terms and conditions for complete information about exclusions
Instalment Facility: Premium can be paid Quarterly and Half Yearly. Premium can also be paid Annually, Biennial (once in 2 years) and Triennial (once in 3 years).
Any person between 10 years and 65 years of age, who has
Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.
A free look period of 15 days from the date of receipt of the policy by the insured is available to the insured to review the terms and conditions of the policy. In case the insured is not satisfied with the terms and conditions, the insured may seek cancellation of the policy and in such an event the Company may allow refund of premium paid after adjusting the cost of pre-medical screening, stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such cancellation.
Free look Period is not applicable at the time of renewal of the policy
30 days from date of expiry of policy.
Renewal premium, terms and conditions are subject to change with prior approval from IRDAI.
Option to Reduce or enhance sum insured is permissible at the time of renewal subject to approval of the Company.