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Critical Care Insurance
Critical Care protects you or your spouse against loss of income on diagnosis of any of the 9 major medical illnesses and procedures. The first of its kind, it offers a lump sum benefit on diagnosis of Cancer, Bypass Surgery, Heart Attack, Kidney Failure, Major Organ Transplant, Stroke, Paralysis, Heart Valve Replacement Surgery or Multiple Sclerosis. Critical Care Insurance also provides cover against accidental death and permanent total disablement (PTD).
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Policy Coverage
Critical Care offers you a choice of coverage on both the sum insured and the tenure of the policy. You can choose the sum insured of Rs 3, 6 or 12 Lakhs over a period of 1, 3 or 5 years. The premium would be calculated accordingly.
The policy provides lump sum benefit on diagnosis of any of 9 Critical Illnesses, Accidental Death and Permanent Total Disablement (PTD). |
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| Critical Illness Cover
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- The Critical Care Insurance shall cover, subsequent to 90 days from the policy start date, the following major medical illnesses and procedures:
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1. Cancer
2. Coronary Artery Bypass Graft Surgery
3. Myocardial Infarction (Heart Attack)
4. Kidney Failure (End Stage Renal Failure)
5. Major Organ Transplant
6. Stroke
7. Paralysis
8. Heart Valve Replacement Surgery
9. Multiple Sclerosis
Click here to view details of illnesses covered. |
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| On diagnosis of any of the above illnesses, the insured is entitled to the lumpsum benefit of the entire Sum Insured opted for. |
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| Accidental Death Cover |
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| Permanent Total Disablement (PTD) Cover |
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Critical Care insures against the permanent and total loss of limbs, sight etc., due to an accident. The compensation (Sum insured opted for) is given as a lump sum benefit. It is to be noted that the compensation is payable only if the disablement results in inability to remain gainfully employed.
for Permanent Total Disablement Benefits.
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| Exclusions applicable to Critical Illness: |
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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.
Permanent Exclusion
The Company shall not be liable under this policy for: |
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- Any Pre-Existing illness
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Absence of submission of Doctor's medical certificate confirming the diagnosis 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 Doctor
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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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