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Retail - Aapat Suraksha Bima Policy |
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Aapat Suraksha Bima Policy provides cover on lump sum basis to support the insured and/or the nominee against a sudden and unexpected expenditure (other than the medical treatment expenses) on diagnosis of the following major diseases like: |
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- Paralytic Stoke
- Cancer
- Renal Failure
- Coronary Artery Disease
- Major Organ Transplant
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The Policy shall also provide protection to the family against the unfortunate accidental death and/or permanent total disablement of the insured. |
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Policy Coverage |
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Aapat Suraksha Bima undertakes to pay a lump sum amount as selected by the proposer at inception on happening of an eventuality mentioned in the Policy. |
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The Policy pays one time payment equal to the sum insured on conclusive diagnosis of existence of any of the five critical illnesses ,or occurrence of accidental death and/or permanent total disablement resulting from an accident. |
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Critical Illness |
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The Policy provides for three different options as under: |
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- Paralytic Stoke
- Cancer
- Renal Failure
- Coronary Artery Disease
- Major Organ Transplant
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Accidental Death Cover |
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The nominee gets a one time payment equal to Capital Sum Insured if the insured dies in an accident. |
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Permanent Total Disablement |
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The insured is entitled to receive the percentage of the capital sum insured as per the table of benefit if he suffers a permanent and total loss of limbs , sight in an accident. |
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What is not covered under the Policy |
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- Any illness diagnosed within first 90 days of the Policy taken for the first time
- Any pre existing illness
- Any accident resulting from intentional self injury, suicide or whilst the insured is under the influence of intoxication
- The insured dies or suffers from permanent disablement whilst taking part in an adventure sports as a professional or whilst travelling in an aircraft in any capacity other than as a fare paying passenger in a scheduled flight
- Death within 30 days following the diagnosis of the Critical Illness
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