Key Highlights

Permanent and Partial Disability

If an Insured Person suffers from an accidental injury during the Policy Period and within twelve calendar months from the date of Accident, which is the sole and direct cause of his Permanent Total Disability or Partial Disability, then the Insurer will pay upto Sum Insured for full disability and certain percentage of Sum Insured for partial disability.

Exclusions to note

Pregnancy related Death or Disability

Death or disability resulting directly or indirectly caused by, contributed to or aggravated or prolonged by child birth or from pregnancy excluding ectopic pregnancy .

Pre exisiting diseases

Any pre-existing condition/ disability / accidental injury is not covered.

Other Major Exclusions

War or any act of war, nuclear, chemical and biological weapons, breach of law with criminal intent, intentional or attempted suicide, participation or involvement in naval, military or air force operation, racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing, abuse of intoxicants or hallucinogenic substances such as intoxicating drugs and alcohol, treatment of obesity and any weight control program, Psychiatric, mental disorders, congenital internal or external diseases, defects or anomalies, genetic disorders; sleep apnoea, expenses arising from HIV or AIDs and related diseases, sterility, treatment to effect or to treat infertility, any fertility, sub-fertility, surrogate or vicarious pregnancy, birth control, circumcisions, laser treatment for correction eye due to refractive error, plastic surgery or cosmetic surgery unless required due to an Accident, Cancer or Burns.

Additional Covers

Permanent and Partial Disability

If an Insured Person suffers from an accidental injury during the Policy Period and within twelve calendar months from the date of Accident, which is the sole and direct cause of his Permanent Total Disability or Partial Disability, then the Insurer will pay upto Sum Insured for full disability and certain percentage of Sum Insured for partial disability.

FAQ’s

Is there any Tax Benefit?

Yes. Premium paid under the Policy shall be eligible for income tax benefit under Sec 80 D of the Income Tax Act and any amendments thereon.

What is meant by Pre-existing disease?

Pre Existing Disease includes any condition, ailment or injury or related condition(s) for which insured had signs or symptoms, and / or were diagnosed, and / or received medical advice / treatment within 48 months prior to the first policy issued by the insurer.

What all documents do I need to furnish to get this policy?

Not Required. You just need to fill up the Form and pay online - Policy will be issued (unless underwriting scenarios). The entire process will be done in less than 4 min

Is there a maximum entry age?

Yes, for children the Maximum age at entry is 18 years and for adults it is 60 years. Age will mean completed age as on last birthday.