Critical Illness Eligibility

  • Policy covers person upto the age of 5 to 65 years.
  • No medical check up upto 45 years of age*. 
  • Pre-Policy Check may be required depending on the age and sum insured at the company specified centre at your own cost.
  • Option of a one year or two year policy coverage period.
  • Provides a lump sum benefit which can pay for:
    • Costs for the care and treatment
    • Recuperation aids
    • Debts pay off

Critical Illness Benefits

  • It can be utilized for
    • Paying for the care and treatment.
    • Recuperation aids.
    • Paying off debts, if any
    • Providing for any lost income due to a decreasing ability to earn.
    • Providing funds for a change in lifestyle
  • It offers tax benefits under Section 80D

Critical Illness Features

  • Heart Attack (Myocardial Infarction)
  • Multiple Sclerosis
  • Stroke
  • Cancer
  • Major Organ Transplantation
  • Kidney Failure
  • Coronary Artery Bypass Surgery
  • Paralysis

Critical Illness Claim Process

  • In case of any event leading to a claim under the policy, please call our Toll Free helpline number : 18002001999. Our Claims service personnel will guide you on the claim procedures and documents required.
  • Documents in addition to those mentioned above may be called for depending on the nature of claim lodged.Please retain a copy of the documents sent for your records.Kindly be informed that delay in intimation of claim may lead to rejection of claim.Issuance of claim form should not be taken as admission of iability under the policy on the part of the insurer.
  • Please register your claim within 7 days of discharge, Kindly send the documents listed below for processing your claim:
    • Duly filled and signed claim form.
    • Photocopy of ID card.
    • A medical certificate confirming the diagnosis of critical illness from a doctor not less qualified than MD/MS.
    • Investigation reports/ other related documents reflecting the critical illness diagnosis.
    • Original detailed discharge summary / day care summary from the hospital.

Critical Illness Exclusions

  • A waiting period of 90 days
  • Invasions, act of foreign enemy, war, act of war or war like operations
  • Unlawful or criminal activity
  • Intentional self-injury
  • Attempt to suicide with being sane or insane
  • Involvement or participation in military, naval or air force operations
  • Participation in sports such as racing, diving, scuba diving, parachuting, hang-gliding, rock or mountain climbing
  • Under the influence of alcohol or drugs
  • Any treatment arising from pregnancy (including voluntary termination), miscarriage, maternity or birth (including caesarean section)