This policy pays a lump sum benefit in case any of the insured members contract a covered critical illness. The policy benefit will be paid only if insured member survives 30 days after the confirmed diagnosis of the illness except in case of Quadriplegia where survival period is 60 days.
This policy can be bought online as well.
Premiums paid towards this policy enjoy a tax benefit under Section 80D.
T covers lesser number of critical illnesses.
| Scope of Cover | |
| Life Threatening Illnesses | |
| Cancer | Covered with exclusions as mentioned in the policy document |
| Major Organ transplant | |
| Multiple Sclerosis | |
| Third Degree burns | |
| Aorta Graft Surgery | |
| Lifestyle Disabling Illnesses | |
| Heart Valve replacement or repair | Covered with exclusions as mentioned in the policy document |
| Coma (persisting more than 30 days) | |
| Quadriplegia (persisting more than 60 days post diagnosis without any significant recovery) | |
| Total blindness | |
| Hospital Cash Allowance( for upto 30 days) | |
| End stage renal disease(not involving transplant) | |
| Exclusions and Waiting Period | |
| Pre-existing diseases | not covered |
| No claim period | first 3 months from policy commencement |
| Survival period | 30 days from confirm diagnosis of the critical illness |
| Annual Premium Rates for Individual | |||
| Age (in years) | Sum Insured (in Rs) | ||
| 5 lakh | 7 lakh | 10 lakh | |
| 21-25 | 888 | 1244 | 1777 |
| 26-35 | 1369 | 1915 | 2777 |
| 36-40 | 2571 | 3599 | 5142 |
| 41-45 | 3860 | 5404 | 7720 |
| Premiums are exclusive of Service tax and cess. | |||
| Premiums vary with age, policy tenure, number of members to be insured, health condition and sum insured. Refer insurer's website for calculating premiums if more than one member is to be insured. | |||
| People above 45 years of age may contact insurance company for premiums. | |||
