Critical Health Insurance Plan

Critical Illness

  UIN: IRDA/NL-HLT/TAGI/P-H(C)/V.I/299/13-14
Today, there are people suffering from stroke before they touch middle age; heart attacks are heard of for people under 40. Despite our age, diligent health and fitness regime, such critical illnesses can affect anyone, anytime and command expensive specialized medical services. To bring you back to good health, without causing a strain on your finances, there is Critical Illness.
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Key Features

  • Critical Illness Benefit–Covers listed 11 critical illnesses. This Policy provides a lump sum amount as stated in the Schedule of the Benefits if You are first time diagnosed to be suffering from any of the below listed Critical Illness/s & The signs or symptoms of the Critical Illness experienced by the Insured Person commenced more than Ninety (90) days following the Issue Date of the Certificate of Insurance or the last Commencement Date, whichever is later & The person has to survive the illness by thirty (30) days or more, from the date of diagnosis.
    Only one lump sum payment shall be provided during the Insured’s lifetime regardless of the number of Critical Illness, incapacities or treatments suffered by him/her. This Benefit will be terminated after the lump sum payment. If a Critical Illness is diagnosed within Ninety (90) days following the effective date or the date of its last reinstatement of this Policy, whichever is later, the Company’s liability shall be limited to the refund of premiums paid under this Policy.
  • Second Opinion - The second opinion benefit is valid only if your Critical Illness Insurance Policy is in force and the Insured Person has been diagnosed with any one of the 11 Covered Critical Illnesses defined in this policy. Click Here for Second Opinion
  • If one purchases a health insurance policy for self /spouse/children, he/she can claim a tax deduction of upto Rs. 25000. When one purchases a health insurance policy for parents (a senior citizen), he/she is eligible for an additional tax deduction benefit upto Rs. 30,000. These benefits are covered under section 80D of Income Tax Act 1961. Tax benefits are subject to changes in tax laws.
  • We offer lifelong renewal provided premium is paid prior to policy expiry or within grace period.
  • 15 days Free Look period (For the new business only)
  • 30 days Grace Period (For renewals only).
  • Sum Insured Enhancement – Sum Insured can be enhanced only at the time of renewal .The Enhanced Sum Insured will have a fresh proposal status where the waiting period and exclusions shall apply afresh. However the quantum of increase shall be as per underwriting guidelines of the company.
  • Changes will be notified to the policyholders 3 months in advance in case of revision /modification in approved product.
  • Likelihood of withdrawal of the product  will be notified to the policy holders 3 months prior to the expiry of the policy and option would be given to migrate to similar Health Insurance policy
What are the benefits of Critical Illness ?
The Critical Illness Benefit covers any of the following illnesses upon diagnosis being:
  • First Heart Attack-of specified severity
  • Cancer of specified severity
  • Stroke resulting in Permanent Symptoms
  • Open Chest CABG
  • Kidney Failure Requiring Regular Dialysis
  • Major Organ / Bone Marrow Transplant
  • Total Blindness
  • Coma of specified severity
  • Major Burns
  • Multiple Sclerosis with persisting symptoms
  • Permanent Paralysis of Limb
Who should buy this insurance?
Entry age from age 18 years up to 65 years.
How can I buy this insurance?
Click here to get a quote.
You can give us your details in the “Have us call you” form and we will get in touch with you shortly.
What is not covered under Critical Illness ?
This entire Policy does not provide benefits for any loss resulting in whole or in part from, or expenses incurred, directly or indirectly in respect of:
  1. Any Pre-existing Condition, any complication arising from it, or
  2. Any Illness, sickness or disease , other than specified as Critical Illness, as mentioned in the policy schedule, or
  3. Any Critical Illness of which, the signs or symptoms first occurred prior to or within Ninety (90) days following the Policy Issue Date or the last Commencement Date, whichever is later, or
  4. Any Critical Illness resulting from a physical or mental condition which existed before the Policy Issue Date or the last Commencement Date which was not disclosed , or
  5. Intentionally self-inflicted Injury or illness, or sexually transmitted conditions, mental or nervous disorder, anxiety, stress or depression, Acquired Immune Deficiency Syndrome (AIDS), Human Immune-deficiency Virus (HIV) infection; suicide, or
  6. War, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities (whether War be declared or not), rebellion, mutiny, use of military power or usurpation of government or military power; or
  7. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel; or
  8. The radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment; or
  9. Congenital anomalies or any complications or conditions arising therefrom; or
  10. Participation in winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing (where ropes or guides are customarily used), riding or driving in races or rallies using a motorized vehicle or bicycle, caving or pot-holing, hunting or equestrian activities, skin diving or other underwater activity, rafting or canoeing involving white water rapids, yachting or boating outside coastal waters (2 miles), participation in any Professional Sport, any bodily contact sport or any other hazardous or potentially dangerous sport for which you are trained or untrained;or
  11. Any loss resulting directly or indirectly, contributed or aggravated or prolonged by childbirth or from pregnancy, or
  12. Any Critical Illness based on a Diagnosis made by the Insured or his/her Immediate Family Member or anyone who is living in the same household as the Insured or by a herbalists, acupuncturist or other non-traditional health care provider; and
  13. Cosmetic or plastic surgery or any elective surgery or cosmetic procedure that improve physical appearance, surgical and non-surgical treatment of obesity (including morbid obesity) and weight control programs, or treatment of an optional nature;
  14. Special nursing care, routine health checks or convalescence, Custodial Care, general debility, lethargy, rest cure;
  15. Any investigation(s) or treatments not directly related to a Covered Illness or Covered Injury or the conditions or diagnosis necessitating hospital admission;
How can I file a Claim?
  • Call us at our 24 X 7 Toll Free number 1800 266 7780 / 1800 22 9966 (Only for Senior Citizens)
  • Alternatively you can SMS “CLAIMS” to 5616181
    Click here to know more about our Claims Service
View and Download Policy Wordings
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SMS `TAG` to 5616181
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