Critical Illness Plan (18-50 years)

Critical Illness Lump Sum Payout

The following critical illnesses are covered under this policy:

• Cancer of a specific severity
• Myocardial infarction (first heart attack of a specific severity)
• Open chest CABG
• Open heart replacement or repair of heart valves
• Kidney failure that requires regular dialysis
• Stroke resulting in permanent symptoms
• Major organ or bone marrow transplant
• Permanent paralysis of limbs 
• Multiple sclerosis with persisting symptoms
• Coma of a specified severity
• Motor neuron disease with permanent symptoms

• Cancer of a specific severity
• Myocardial infarction (first heart attack of a specific severity)
• Open chest CABG
• Open heart replacement or repair of heart valves
• Kidney failure that requires regular dialysis
• Stroke resulting in permanent symptoms
• Major organ or bone marrow transplant
• Permanent paralysis of limbs 
• Multiple sclerosis with persisting symptoms
• Coma of a specified severity
• Motor neuron disease with permanent symptoms

In-patient Hospitalization

The expenses incurred due to in-patient hospitalization or day-care treatment of the policyholder outside India will be paid in respect of any critical illness as specified above, provided that: 

• The treatment should be taken in a registered hospital or clinic as per law, rules, or regulations applicable to the country where the treatment is taken
• Any payment shall be made only on a reimbursement basis or cashless facility basis (where available)
• The rate of exchange as published by RBI as on the date of payment to the hospital shall be used for conversion of foreign currency amounts into Indian rupees for payment of a claim under this cover. If RBI rates are not published on the date of the policyholder’s discharge, the exchange rate next published by RBI shall be considered for conversion.