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For Insurance Enquiries Contact : 449 Kailash Tower - 2, East Of Kailash, New Delhi, India-110065
Phone. 011-26417566,46581566,24525374 Mob. 9810090853 Fax No. 011-41623784 Email:- ibidelhi@gmail.com |
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Health Products Offered by Life Insurance Companies in India  |
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Health Protector (Source TATA AIG Life) |
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A unique health focus plan that offers 7 security options. And complements your existing Mediclaim
Salient Features |
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A unique health focus plan that offers 7 security options. And complements your existing Mediclaim
Salient Features |
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| Benefits |
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Accidental Death Benefit (ADB)
Provides death coverage from accidental cause. FADD will not be offered if ADB has been taken. Max ADB sum assured is 2 times Term cover |
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Family Accidental Death & Dismemberment Benefit (FADD)
Provide ADD coverage with options for Individual, Individual & Spouse, orIndividual, Spouse & Children. SA for Spouse will be 50% of the policyholder's. SA for children will be 25% of the policyholder's. This will be irrespective of the number of children. In other word, maximum benefit payment is 25% of policyholder's SA even if more than one child died in an accident |
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Total & Permanent Disability (TPD)
Provide lump sum benefit in case of PD caused due to either sickness or accident from "any occupational" definition. 12 months waiting period. No partial disability benefit. Policy will terminate once a claim is made. |
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Accidental Hospitalisation Cash (AHC)
Sum assured is paid in case of hospitalisation & is restricted to one claim per year.Multiple claims possible over 5 years (one claim year). A minimum confinement of 3 consecutive days as in patient is required. Accredited hospitals are eligible for claim |
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Critical Illness (CI)
Provide lump sum benefit upon diagnosis of 12 critical illness & surgeries. Cancer, Stroke, Heart Attack, Coronary Bypass Surgery, Chronic Renal Failure, Recipient of Major Organ Transplant like Heart, Lung, Liver, Kidney or Pancreas or Bone Marrow Transplant, Aorta Surgery, Benign Brain Tumour, Heart Valve Surgery, Paralysis, Parkinson's Disease, & Total Blindness. First 180 days waiting period For CI.Cancer will not be offered if CI has been taken. |
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CancerCare
Provide lump sum benefit upon cancer diagnosis. Cancer benefit ceases after claim is made. Remaining benefits will continue provided premium for remaining benefits continue to be paid. First 180 days waiting period. CI will not be offered if Cancer has been taken. |
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| Term Cover |
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| THE BASIC PLAN |
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| Benefit |
Minium Level |
| Term Cover |
Rs. 1000 |
| ADB or FADD |
Rs. 1000 |
| CI or Cancer Care |
Rs. 1000 |
| TPD |
Rs. 1000 |
| AHC |
Rs. 100 |
| Total |
Rs. 4100 |
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| MAXIMUM LIMITS |
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| Benefit |
Maximum |
| ADB (Accidental Death Benefit) |
50,00,000 (Max 2 times Term cover) |
| FADD (Family Accidental Death & Dismemberment |
50,00,000 (100,00,000 for HNI) (in case of individual & spouse the maximum for the individual is 33,00,000); (Max 2 times Term cover |
| TPD (Total Permanent Disability) |
50,00,000 |
| AHC (Accidental Hospital Cash) |
Max 1% of ADB/FADD subject to maximum of Rs.25000/- |
| CI (Critical Illness) |
20,00,000 |
| Cancer |
20,00,000 |
| Term |
50,00,000 |
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TAX Benefit
Premium paid under this policy are eligible for tax deduction under Section 80C & 80D of the Income Tax Act, 1961 for amount paid towards term insurance components and health insurance components. |
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