| 7- (a) Family Floater Coverage - Apollo DKV Insurance |
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| Easy Health Individual Health Insurance Plan / Easy Health Family Floater Insurance Plan from Apollo DKV |
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| Length of time Policy in force |
Refund of premium |
| up to 1 month |
75% |
| up to 3 months |
50% |
| up to 6 months |
25% |
| exceeding 6 months |
0% |
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- We may terminate this Policy without reason upon 30 days notice by sending an endorsement to Your address shown in the Schedule, and We shall refund premium a rateable proportion of the premium as long as no claim has been made under the Policy.
- The Policy shall automatically terminate if:
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1. You no longer reside in India, or in the case of Your demise. However, the other Insured Persons may apply to continue the Policy within 30 days of Your death or move out of India provided that they have identified a new adult policyholder who is a member of Your immediate family. All relevant particulars in respect of such person (including their relationship to You) must be given to Us along with the application. If we accept such application, then the Policy shall be treated as having been renewed without any break in cover.
2. In relation to an Insured Person, if that Insured Person dies or no longer resides in India. |
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| Section. 8 Interpretations & Definitions |
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The terms defined below have the meanings ascribed to them wherever they appear in this Policy and, where appropriate, references to the singular include references to the plural; references to the male include the female and references to any statutory enactment include subsequent changes to the same: |
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1. Accident or Accidental means a sudden, unforeseen and unexpected event caused by external, violent and visible means (but does not include any Illness) which results in physical bodily injury.
2. Age or Aged means completed years as at the Commencement Date.
3. Commencement Date means the commencement date of this Policy as specified in the Schedule.
4. Critical Illness means Cancer, Coronary Artery (Bypass) Surgery, First Heart Attack (Myocardial Infarction), Kidney Failure (end stage renal disease), Major Organ Transplantation, Multiple Sclerosis, Paralysis and Stroke all as defined below only: |
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Cancer:
A disease manifested by the presence of a malignant tumour characterised by the uncontrolled growth and spread of malignant cells, and the invasion of tissue. Diagnosis must be confirmed by a specialist Medical Practitioner and evidenced by definite histology. Cancer also includes leukaemia and malignant diseases of the lymphatic system such as Hodgkin’s Disease. |
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Excluded are:
Any CIN stage (cervical intraepithelial neoplasia)
Any pre-malignant tumour
Any non-invasive cancer (cancer in situ)
Prostate cancer stage 1 (T1a, 1b, 1c)
Basal cell carcinoma and squamous cell carcinoma
Malignant melanoma stage IA (T1a N0 M0)
Any malignant tumour in the presence of any Human Immunodeficiency Virus. |
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Coronary Artery (Bypass) Surgery:
The actual undergoing of open chest surgery for the correction of one or more coronary arteries, which are narrowed or blocked, by coronary artery bypass graft (CABG). The surgery must have been proven to be necessary by means of coronary angiography and realisation of the surgery must be confirmed by a specialist Medical Practitioner. |
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