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Health Insurance Critical Illness

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Key Features

  • Hassle free in house claim process
  • Covers 10 critical illnesses
  • Very competitive premium rates
  • Lifetime renewal facility
  • Income tax benefit under section 80D
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Critical Illness

A health insurance plan that covers critical illness means you can insure yourself against the risk of serious illness in much the same way as you insure your car and your house. It will give you the same security of knowing that a guaranteed cash amount will be paid if the unexpected happens and you are diagnosed with a critical illness.

Why Health Insurance?

Why Health Insurance?

Key Benefits

  • 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.
  • Very competitive premium rates.
  • Sum insured options of Rs. 100000/- to Rs. 5000000/- for age group of 6 yrs. to 60 yrs.
  • Sum insured options of Rs. 100000/- to Rs. 500000/- for age group of 61 yrs. to 65 yrs.
  • Exclusive value added services to the customers.
  • Tax saving up to Rs. 60000 under Sec 80D.

Value Added Service

Value added services To learn more about Value Added Services click here

* On the premium paid for self, spouse, children and parents, the deduction can be availed up to Rs 25,000 per annum, provided the age of the individual is not above 60. If the premium paid by an individual is towards health policy for his or her parent who is a senior citizen of age 60 or more, the maximum is capped at Rs 30,000. A taxpayer may therefore maximize tax benefit under section 80D to a total of Rs 55,000 if his age is below 60 If parents age is above 60. For those tax payer individuals who are of age 60 or more and are also paying health insurance premium for their parents, the maximum tax benefit under section 80D would therefore be a total of Rs 60,000.


Coverage

  • SI available from 1,00,000 to Rs. 50,00,000
  • Age band - 6 yrs - 59 Years.

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

Illness Covered

  • Cancer
  • Coronary Artery Bypass Surgery
  • First Heart Attack (Myocardial Infarction)
  • Kidney Failure
  • Major Organ Transplant
  • Stroke
  • Aorta Graft Surgery
  • Primary Pulmonary Arterial Hypertension
  • Multiple Sclerosis with Persisting Symptoms
  • Permanent Paralysis of Limbs

Exclusions

  • 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.

For more details on the policy, please visit our office nearest to you. Our executives will be pleased to furnish further details.


Health Administration Team

  • The team consists of doctors and para medics who are responsible for health underwriting and claims settlement.
  • Provides single window assistance to all the health insurance policy holders for all health care related services.
  • Faster Claim Settlement due to single point of contact.
  • Effective and quick in resolving customer queries/better and systematic redressal mechanisms.
  • Control over Claims Settlement and Customer service.

Meet the best Health Administration Team

Health Administration Team


* The information given above is only indicative in nature. For details of the coverage and exclusions, please contact our nearest office.

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