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For Comparative Insurance Quote: Om Plaza, 430/7, 1st Floor, Sant Nagar, East of Kailash, New Delhi-65
Phone: 011-41324957, 41623784, Mob:+91-8447757651 & 53 Email: ria1@surekhae.com
Critical Illness Health Insurance Policy
 
(1) Introduction Critical Illness Insurance
(2)
Features of Critical Illness Insurance Policies
  a- Features of Various Parameters of Critical Illness Policies of General Insurance Companies
  b- Features of Different Critical Illness Coverage under Policies issued by General Insurance Companies
  c- Features of Various Parameters of Critical Illness Policies of Life Insurance Companies
  d- Features of Different Critical Illness Coverage under Policies issued by Life Insurance Companies
(3)
Compare Premium Rates of Critical Illness Policies in India for Individual
  a- Comparison of Premium Rates for Individual Critical Illness Policies of General Insurance Companies
  b- Comparison of Premium Rates for Individual Critical Illness Policies of Life Insurance Companies
(4) Coverage & Exclusion Under Critical Illness Insurance Policies
(5) Policy Wording/ Proposal Form/ Brochure
(6) Product details of Various Companies for Critical Illness
 
General/ Health Insurance Companies Products
 
 
 
 
 
 
 
 
 
 
   
   
   
   
   
   
 
Life Insurance Companies Products
 
 
 
 
 
 
 
 
4- Coverage & Exclusion Under Critical Illness Insurance Policies
EXCLUSIONS APPLICABLE TO SECTION II
The Company shall not be liable under this Section for:
  1. Payment under more than one of the categories specified (Death or Permanent Total Disablement) in the Benefit Payable in respect of the Insured.
  2. Payment of compensation in respect of Insured Event which occurs whilst the Insured is operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft, or Scheduled Airlines or is engaging in aviation or ballooning, or whilst the Insured is mounting into, or dismounting from or traveling in any balloon or aircraft other than as a passenger (fare-paying or otherwise) in any Scheduled Airline anywhere in the world;
  3. Payment of compensation in respect of death, injury or disablement of Insured (a) from engaging in or participation in adventure sports including but not limited to winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing (where ropes or guides are customarily used), riding or driving in races or rallies using a motorized vehicle or bicycle, caving or pot-holing, hunting or equestrian activities, skin diving or other underwater activity, rafting or canoeing involving white water rapids, yachting or boating outside coastal waters, participation in any Professional Sports, any bodily contact sport or any other hazardous or potentially dangerous sport for which the Insured is untrained, unless specifically covered under the policy (b) directly or indirectly caused by venereal disease or insanity;
  4. Payment of compensation in respect of death or Permanent Total Disablement arising from or resulting directly or indirectly from any Illness to any Insured
  5. No sum shall be payable under this Section in case of any Permanent Total Disability for which medical care, treatment, or advice was recommended by or received from a Doctor or from which the Insured suffered or which was present before the commencement of the Policy Period.
GENERAL EXCLUSIONS APPLICABLE TO THE POLICY
The Company shall not be liable for any loss or damage under this Policy:
  1. Arising or resulting from the Insured committing any breach of the law with criminal intent
  2. Due to, or arising out of, or directly or indirectly connected with or traceable to, war, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, mutiny,military or usurped power, seizure, capture, arrests, restraints and detainment of all Heads of State and citizens of whatever nation.
  3. Directly or indirectly caused by or contributed to by or arising from ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel. For the purpose of this exclusion, combustion shall include any self-sustaining process of nuclear fission
  4. Directly or indirectly caused by or contributed to by or arising from nuclear weapon materials.
  5. Directly or indirectly caused by or contributed to by or arising out of usage, consumption or abuse of alcohol and/or drugs.
  6. Arising out of or as a result of any act of self-destruction or self inflicted injury, attempted suicide or suicide.
  7. Any sexually transmitted diseases. Acquired Immune Deficiency Syndrome (AIDS), AIDS related complex syndrome (ARCS) and all diseases caused by and/ or related to the HIV.
  8. Any consequential or indirect loss or expenses arising out of or related to any Insured Event.
  9. Arising out of or resulting directly or indirectly due to or as a consequence of pregnancy or treatment traceable to pregnancy and childbirth, abortion and its consequences, tests and treatment relating to infertility and invitro fertilization.
  10. Arising out of or resulting directly or indirectly while serving in any branch of the Military or Armed Forces of any country during war or warlike operations
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