It pays a lump sum on confirmed diagnosis of any of the listed critical illnesses. Each critical illness has a waiting period, starting from commencement of the policy, during which it cannot be claimed. There are two plans to choose from- Standard and Advanced plan, covering 10 and 12 critical illnesses respectively.
It allows lifetime renewal.
It offers lower premium for women.
Policy premium qualifies for taxation benefit under section 80D of Income Tax Act
| Scope of Cover | ||
| Standard Critical Healthline | Advanced Critical Healthline | |
| Critical illnesses (Survival Period in days) | ||
| Cancer of specified severity(30) | covered | covered |
| Stroke resulting in permanent symptoms(90) | covered | covered |
| First Heart Attack(30) | covered | covered |
| Open chest CABG(30) | covered | covered |
| Kidney Failure RequiringRegular Dialysis(30) | covered | covered |
| Multiple Sclerosis with persisting symptoms(180) | covered | covered |
| Major organ/ bone marrow transplant(30) | covered | covered |
| Permanent paralysis of limbs(180) | covered | covered |
| Surgery of Aorta(30) | covered | covered |
| Primary Pulmonary hypertension(30) | covered | covered |
| Parkinson's disease(180) | NA | covered |
| Motor Neuron Disease With Permanent Symptoms(90) | NA | covered |
| Emergency Ambulance | NA | covered upto Rs 1000 per insured per policy year |
| Exclusions and Waiting Period | ||
| Pre-existing diseases | not covered | |
| No claim Period | 90 days from commencement of the policy | |
| Survival period | as stated under scope of cover | |
| Annual Premium Option for Standard Plan | ||||||
| Age (in years) | Male | Female | ||||
| Sum Insured (in Rs.) | ||||||
| 3 lakh | 5 lakh | 10 lakh | 3 lakh | 5 lakh | 10 lakh | |
| 05 - 19 | 734 | 980 | 1594 | 691 | 907 | 1448 |
| 20 - 24 | 832 | 1185 | 2003 | 805 | 1139 | 1913 |
| 25 - 29 | 985 | 1481 | 2597 | 948 | 1420 | 2475 |
| 30 - 34 | 1221 | 1916 | 3668 | 1158 | 1810 | 3275 |
| 35 - 39 | 1565 | 2571 | 5071 | 1552 | 2444 | 4697 |
| 40 - 44 | 2585 | 4270 | 8484 | 2495 | 4015 | 7958 |
| 45 - 49 | 3674 | 6039 | 12011 | 3465 | 5665 | 11265 |
| 50 - 55 | 4968 | 8220 | 16225 | 4596 | 7516 | 14867 |
| 56 | 5852 | 8979 | 16847 | 4985 | 8167 | 15722 |
| 57 | 6610 | 10243 | 19374 | 5623 | 9231 | 17850 |
| 58 | 7483 | 11697 | 22282 | 6428 | 10572 | 20533 |
| 59 | 8484 | 13366 | 25620 | 7354 | 12116 | 23621 |
| 60 | 9631 | 15278 | 29443 | 8418 | 13888 | 27164 |
| 61 | 10942 | 17462 | 33811 | 9635 | 15918 | 31223 |
| 62 | 12435 | 19951 | 38791 | 11026 | 18236 | 35861 |
| 63 | 14135 | 22784 | 44457 | 12612 | 20879 | 41147 |
| 64 | 16065 | 26000 | 50889 | 14417 | 23887 | 47163 |
| 65 | 18252 | 29645 | 58179 | 16466 | 27302 | 53992 |
| Premiums are exclusive of service tax and cess | ||||||
| Annual Premium Option for Critical Plan | ||||||
| Age (in years) | Male | Female | ||||
| Sum Insured (in Rs.) | ||||||
| 3 lakh | 5 lakh | 10 lakh | 3 lakh | 5 lakh | 10 lakh | |
| 05 - 19 | 826 | 1110 | 1821 | 747 | 999 | 1630 |
| 20 - 24 | 968 | 1347 | 2295 | 909 | 1270 | 2172 |
| 25 - 29 | 1146 | 1644 | 2888 | 1108 | 1583 | 2799 |
| 30 - 34 | 1409 | 2080 | 3960 | 1336 | 1986 | 3610 |
| 35 - 39 | 1768 | 2745 | 5367 | 1744 | 2621 | 5034 |
| 40 - 44 | 2808 | 4470 | 8785 | 2689 | 4212 | 8311 |
| 45 - 49 | 3903 | 6240 | 12314 | 3660 | 5874 | 11623 |
| 50 - 55 | 5202 | 8510 | 16533 | 4793 | 7751 | 15307 |
| 56 | 5695 | 9194 | 16989 | 5306 | 8416 | 16217 |
| 57 | 6467 | 10480 | 19560 | 5943 | 9511 | 18357 |
| 58 | 7357 | 11962 | 22528 | 6760 | 10905 | 21043 |
| 59 | 8381 | 13669 | 25941 | 7704 | 12730 | 24132 |
| 60 | 9556 | 15628 | 29858 | 8737 | 14284 | 27678 |
| 61 | 10941 | 17936 | 34474 | 9993 | 184021 | 31740 |
| 62 | 12479 | 20499 | 39600 | 11384 | 18697 | 36378 |
| 63 | 14232 | 23422 | 45446 | 12971 | 21340 | 41664 |
| 64 | 16227 | 26747 | 52096 | 14775 | 24348 | 47680 |
| 65 | 18492 | 30522 | 59646 | 16824 | 27763 | 54510 |
| Premiums are exclusive of service tax and cess | ||||||
