With this benefit you get
Pay premiums for a few years and stay covered for the entire policy duration
Get all your premium back - in case nothing happens to you
Get all your premium back in case nothing happens to you.
In my absence my family will get
Your life cover gradually increases year on year along with increase in premium
Choose to get Cover till 99 years. Leave a legacy for your family.
Choose to get Cover till 99 years and leave a legacy for your family
Coverage for covid-19 starts after a waiting period of just 15 days. Consumable like PPE kits, Gloves, Masks etc are covered upto Sum Insured. Features and Benefits 45 Cashless Hospitals
Under Section 80C And Sec 10(10 D)
**Tax benefits are subject to change in tax laws
In-built cover
* Life cover charges returned at maturity
Easy Refund Policy
^ You can cancel the policy within 30 days of buying and get an easy refund for your policy. However for cancellation requests within 30 days of issuance of the policy, the expenses incurred by the company on medical examination and stamp duty charges shall be deducted .
#The total payable amount is including GST as the amount payable has inbuilt riders premium.
The Returns in ULIP plans are subject to market risk and are not guaranteed. The investment risk in the policy is borne by the policyholder. The actual returns can vary depending on the performance of the chosen fund, charges towards mortality, allocation, policy admin, cost of riders, etc. The 4% and 8% illustration is neither the minimum or maximum limit that you may get as a policyholder.
Amount of Rs. 50 Lacs under this Benefit Option will be payable in the event of the death of the Life Insured due to an accident within the Benefit Option Term, provided the death occurs within 180 days from the accident. Nominee to get Double Benefit amount incase of death due to accident in Public Transport
Amount of Rs. 50 Lacs under this Benefit Option will be payable in the event of the Total and Permanent Disability of the Life Insured due to an accident within the Benefit Option Term, provided the disability occurs within 180 days from that accident.
Rs. 50 Lacs as the cover amount which is payable on death or diagnosis of any terminal illness (whichever is earlier)
Complimentary health check-up every year till your policy term. Your Free health check-up will include :
HbA1c
Cholesterol
Blood Pressure
BMI
^ Health checkup only available when in india.
Flexibility to transfer your money among different funds to maximize your returns
You get tax benefits under Section 80(C) and no tax on returns under Section 10 (10D)
You can choose the funds in which you want to invest and manage your investment as per the risk you are able to take.
Data Source
While the Insured is riding as a fare paying passenger on commercially licensed public land transportation over an established route such as a bus, tram or train. A taxi or any form of transport chartered for private travel is excluded.
While the Insured is in an elevator car (elevators in mines, rigs and on construction sites excluded) duly certified tocarry passengers; or
As a direct result of the burning of the following public buildings only: theatre, cinema, public auditorium, hotel, school and hospital.
When the Insured is on a commercial passenger airline on a regular scheduled passenger trip over its established passenger route.
While the Insured is in an elevator car (elevators in mines, rigs and on construction sites excluded) duly certified to carry passengers; or
This is explained as (Number of Claims Settled / Number of Claims) by the Insurance Company.
Up to single private room permissible for hospitalization in this plan
Your coverage for Covid-19 starts sooner with lesser waiting period
Coverage for Covid-19 starts after a waiting period of just 15 days. Consumables like PPE kits, Gloves, Masks etc are covered upto Sum Insured
Treatment at home for Covid is covered on Positive diagnosis of Covid in a Government-authorized diagnostic Centre; Maximum up to 14 days per incident
Home Care Treatment means treatment availed by the Insured Person at home for COVID on a positive diagnosis of COVID in a Government-authorized diagnostic Centre, which in normal course would require care and treatment at a hospital but is actually taken at home provided that:
Any co-morbid conditions including pre-existing co-morbid conditions will be covered along with COVID-19 up to Sum Insured
The shorter waiting period, the better as the cost of your current illness can be expensive
A lower cap is better as room rent eats into the claim amount which should be spent on treatment cost.
Full claim paid by Insurer
Medical expenses that are incurred in 30 days post hospitalisation are covered
There are usually expenses on medicines and treatments even after hospitalization. This benefit helps to cover the same.
Upto SumInsured for utilizing ayurveda, unani or other alternate medicine methods
This benefit covers you for alternative treatment options which are becoming more and more popular.
3474+ Network hospitals
The higher the number of network hospitals the better as you can avail cashless treatment at more places.
Upto 2 Adult and 4 Children
Every member gets the benefit of the policy , hence, allows safeguarding the health of your loved ones
Covered upto Rs 2000 per hospitalisation
Not Covered
Since the medical expenses are rising every year, this benefit ensures you have sufficient funds for any medical emergency.
Lets understand this better through an example, If you buy a Policy of 10 Lacs Sum insured for you and your spouse, and you need to claim the entire 10 Lacs within a policy year for yourself, you will get additional 10 Lacs coverage:
No health checkup is covered
Health checks ensure you are treated before your medical condition gets serious.
This plan doesn't provide coverage for maternity & related claims
Higher the maternity cover and a shorter waiting period is better. This allows you to avail the best hospitals and doctors for your new born.
No cover for optical and dental treatments
Allows you to get regular eye and dental checks which are indicators of your health.
The number of day care treatments are increasing every day and it is important that your insurance covers the same.
No coverage provided outside India even under emergency
No cover for emergency evacuation services
No complimentary access to doctors in company network through a call
It is a value-added service and you get a convenient second opinion.
This plan doesn't provide any complimentary access to a Health Assessment Report
This helps identify the specific needs of a person and how those needs can be addressed by the healthcare system
No wellness factors are included
Based on your profile you have received higher return for your plan
