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| 1. Advantages of Critical Illness Health Insurance Plan |
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The Critical Illness health insurance plan has the following advantages:- |
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- The benefit amount is payable once the disease is diagnosed
meeting specific criteria and the insured survives 30 days after the
diagnosis.
- The insured receives the amount as lumpsum so that he can plan
the treatment accordingly.
- Expenses like donor expenses in a transplant surgery, which are
not covered under normal health insurance policy, can be paid out
of the amount received under this cover both in India & abroad.
Key Features
- The product is offered from 6 to 59 years.
- Medical examination may be required in some cases based on
the age and the benefit amount opted by the proposer.
- Very competitive premium rates.
- Insured can opt for Sum Assured from 1,00,000 to Rs. 50,00,000.
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| 2. Illness Covered |
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1) Cancer:- |
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A claim can be made if the assured is diagnosed as suffering from a
malignant tumour, which has invaded surrounding tissue. A
microscopic examination of the cells will be required to confirm the
claim. |
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2) Coronary Artery Bypass Surgery:- |
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When coronary arteries become narrowed or blocked they cannot supply enough blood to the heart muscle. To correct this and prevent risk of death, a coronary artery bypass surgery is performed in which two sections of artery on either side of the blockage are connected together. With our health insurance plan - Critical Illness, you can insure yourself against this serious illness in much the same
way as you insure your car and your house. You will be able to claim if you undergo this surgery for blockage of 2 or more coronary arteries. |
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3) First Heart Attack:- (Myocardial Infarction) |
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First heart attack, also known as myocardial infarction, occurs when
part of the heart muscle dies from lack of oxygenated blood. Chest pain
is usually felt at the time of the attack, ECG (electrocardiogram)
changes will confirm the diagnosis. A damaged heart also releases enzymes into the bloodstream and a blood test will show that the heart attack is recent. |
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4) Kidney Failure:- |
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The kidneys act as filters and remove waste from the blood. When the
kidneys fail to do this, waste builds up in the blood and leads to severe complications. Although it is possible to manage with one kidney; if both kidneys fail completely, one will need long-term dialysis or a transplant. |
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5) Major Organ Transplant:- |
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Sometimes a major internal organ is so seriously diseased or
damaged that the only effective treatment is replacement with a healthy
one. Kidney transplants are covered under a separate section. |
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6) Multiple Sclerosis:- |
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This is a progressive disease of the central nervous system where the
protective covering (myelin) of the nerve fibers in the brain and spinal
cord is destroyed. The severity of the disease and symptoms will
depend on the areas of the brain or spinal cord affected. Periods of
remission which may last many years between acute phases are
characteristic of the disease. |
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7) Stroke:- |
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A stroke is an incident, which affects the supply of blood to the brain
causing permanent neurological damage such as paralysis or
disturbance of speech or vision. Transient ischaemic attacks are
excluded as they do not cause permanent damage and the symptoms
do not last for more than few days. |
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8) Aorta Graft Surgery:- |
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The aorta is the main artery that supplies oxygenated blood to all
other parts of the body. Sometimes, part of the aorta becomes
blocked or weak and may need replacement. You will be able to claim if
you need surgery to remove and replace part or the entire aorta. |
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9) Paralysis:- |
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Paralysis is usually caused by damage to the brain or spinal cord,
affecting the transmission of messages through the nervous system
or by physical injury to the limbs in question. |
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10) Primary Pulmonary Arterial Hypertension:- |
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Primary pulmonary hypertension a progressive disorder
recommended or which was first manifested or contracted before
characterized by high blood pressure (hypertension) of the main
artery of the lungs (pulmonary artery). The pulmonary artery is the
blood vessel that carries blood from the heart through the lungs.
Symptoms of primary pulmonary hypertension include shortness of
breath (dyspnoea) especially during exercise, chest pain, and
fainting episodes. The exact cause of primary pulmonary
hypertension is unknown. |
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| 3. Exclusions |
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- Any critical illness for which care, treatment, or advice was
recommended or which was first manifested or contracted before
- Any critical illness diagnosed within the first 90 days
- Death with in 30 days following the diagnosis of the critical illness
- Presence of HIV/AIDS infection
- Treatment arising from or traceable to pregnancy or childbirth,
including caesarean section and birth defects
- War, invasion, act of foreign enemy, terrorism, hostilities (whether
war be declared or not), civil war, rebellion, revolution
- Naval or military operations of the armed forces or air force and
participation in operations requiring the use of arms or which are
ordered by military authorities for combating terrorists, rebels and
the like, any natural peril
- Consequential losses of any kind, be they by way of loss of profit,
loss of opportunity, loss of gain, business interruption etc.
The
details furnished above do not constitute the entire terms and
conditions.
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| For more details on the policy, please visit our office nearest to you.
Our executives will be pleased to furnish further details. |
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| Coverage |
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- SI available from 1,00,000 to Rs. 50,00,000
- Age band - 6 yrs - 59 Years.
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| Premium Table |
Sum
insured |
AGE ( in years) |
| 21- 25 |
26 - 35 |
36 - 40 |
41 - 45 |
46 - 50 |
51 - 55 |
56 - 60 |
| 100000 |
200 |
300 |
550 |
800 |
1200 |
1750 |
3000 |
| 300000 |
600 |
900 |
1650 |
2400 |
3600 |
5250 |
9000 |
| 500000 |
1000 |
1500 |
2750 |
4000 |
6000 |
8750 |
15000 |
| 1000000 |
2000 |
3000 |
5500 |
8000 |
12000 |
17500 |
30000
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