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At a time of increasing cost of living, the expenses for medical treatment have gone up substantially. Particularly if any person contracts a major disease (critical illness), then he/she has to spend a huge sum of money for treatment, which most people can ill afford.
Although you cannot prevent the occurrence of serious ailments and accidents, you can take steps to ensure that the same does not result in financial ruin for you and your family.
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Critical Care insurance is a pure benefit policy : |
- It also offers financial support to help you cope with the lifestyle changes that you need to make post a critical illness or major accident
- It supports your savings by offering you a lump-sum benefit of the entire sum insured on first diagnosis / undergoing of any of the nine listed Major Medical Illnesses and Procedures
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Key Benefits: |
- Comprehensive cover and pure benefit policy offering lump-sum amount equivalent to sum insured just on first diagnosis / undergoing of any of 9 Major Medical Illnesses & Procedures, Accidental Death /Permanent Total Disablement (PTD) due to accident
- Benefit paid immediately on first diagnosis of the covered Major Medical Illnesses and Procedure
- Comprehensive cover and pure benefit policy offering lump-sum amount equivalent to sum insured just on first diagnosis / undergoing of any of 9 Major Medical Illnesses & Procedures, Accidental Death /Permanent Total Disablement (PTD) due to accident
- Avail of Tab benifitunder section 80D of Income Tax Act on the premium applicable for Major Medical Illnesses & Procedures cover*
- Only a proposal form and medical declaration from needs to be filled for policy issuance
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| * Tax benefits are subject to tax laws |
Major Medical Illness & Procedures Cover: |
- The Critical Care Insurance shall cover, subsequent to 90 days from the policy start date, the following Major Medical Illnesses & Procedures:
- Cancer
- Coronary Artery Bypass Graft Surgery
- Myocardial Infarction (Heart Attack)
- End Stage Renal Failure
- Major Organ Transplant
- Stroke
- Paralysis
- Heart Valve Replacement Surgery
- Multiple Sclerosis
- On first diagnosis of any of the above illnesses / procedures, the insured is entitled to the lump-sum benefit of the entire Sum Insured opted for.
- Stroke
- Paralysis
- Heart Valve Replacement Surgery
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| The above details will differ from Insurance Company to Insurance Company. Please check thoroughly before applying. |
What is not covered? |
| Exclusions applicable to Major Medical Illness and Procedures section: |
90 Days Exclusion: |
| Any illnesses and procedures within 90 days from start date of policy will not be covered. This clause does not apply for subsequent renewal (without a break) of this policy with us. |
Treatment of the following diseases: |
- Cataract (sub-limit of 20,000 per eye applicable)
- Benign Prostatic Hypertrophy
- Myomectomy, Hysterectomy unless because of malignancy
- Hernia, Hydrocele
- Fistula in Anus, Piles
- Arthritis, Gout, Rheumatism
- Joint replacement, unless due to accident
- Sinusitis and related disorders
- Stone in the urinary and biliary systems
- Dilatation & Curettage
- Skin and all internal tumors / cysts / nodules / polyps of any kind, including breast lumps, unless malignant / adenoids and hemorrhoids
- Dialysis required for chronic renal failure
- Surgery on tonsils and sinuses
- Gastric and duodenal ulcers
- Deviated Nasal Septum
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Main Exclusions : |
| The Company shall not be liable under this policy for: |
- Pre-Existing illness
- Absence of submission of Doctor's medical certificate confirming the first diagnosis / undergoing of Illness or Injury or undergoing of medical / surgical procedure
- Any congenital illness or condition
- Any medical procedure or treatment, which is not medically necessary or not performed by a certified Doctor
- Any physical, medical or mental condition, illness, injury or treatment or service which is specifically excluded under the Policy
- Treatment relating to birth defects and external congenital Illnesses
- Birth control procedures and hormone replacement therapy
- Any treatment / surgery for change of sex or any cosmetic surgery or treatment
- Treatment by family member and self-medication or any treatment that is not scientifically recognized
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