It pays a lump sum on first diagnosis of cancer or heart disease irrespective of actual medical expenditure. It pays out amount equivalent to 25% of the sum assured on diagnosis of listed minor conditions and 100% of the sum assured on diagnosis of the listed major disease.
Premiums paid under this plan qualify for deduction under Section 80D of Income Tax Act.
It has a 7 day survival period in case of heart diseases.
| Scope Of Cover | |
| Early Stage Cancers, Carcinoma-in-Situ of any organ (except skin) | 25% of Sum Assured |
| Cancer of specified Severity | 100% of Sum Assured |
| Angioplasty, Valvuloplasty, Carotid Artery Surgery, Implantable cardioverter defibrillato, Implantation of pacemaker of heart, infective endocarditis, Invasive Surgery of Aorta, Surgery for Cardiac Arrhythmia, Surgery to place Ventricular Assist Devices or Total Artificial hearts | 25% of Sum Assured |
| Cardiomyopathy, First heart attack (myocardial Infarction), Heart Transplant, major surgery of aorta, open chest CABG, open heart replacement or repair of heart valve, Primary pulmonary hypertension | 100% of Sum Assured |
| Exclusions and Waiting period | |
| No claim period | 6 months |
| Survival period | 7 days in case of heart disease, 0 days in case of cancer |
| Pre-existing diseases | Not Covered |
