Key benefits of Crisis Cover
- Benefit amount paid on diagnosis of any of the 35 diseases (critical Illnesses), disability or death
- Receive lump-sum benefit amount irrespective of actual billing
- Benefit amount will be paid in addition to payment received by you from other medical insurance plan
- Long term coverage upto 75 years of age
- Coverage continues even after claiming benefit on select critical illness
- Premium paid is eligible for deduction under section 80C & section 80D*
* The overall limit of deduction for investment u/s 80C & u/s 80D of the Income Tax Act, 1961 are Rs. 1,00,000 & Rs. 15,000 respectively, subject to conditions mentioned therein.
How does Crisis Cover work?
- Choose a Sum Assured under Crisis Cover
- Pay Premium based on your age and sum assured and term of cover chosen
- Get the applicable sum assured in the event of being diagnosed with a critical illness or on being rendered totally disabled or on death, whichever occurs first.
- Remain covered even after a claim on select Critical Illnesses
Get the Sum Assured on under the plan on first occurrence of Death or Total Permanent Disability or on diagnosis of any one of the following 35 Critical illnesses.
Flexible Payouts for the 35 Critical Illnesses covered
Flexible payouts for 35 Critical Illnesses covered are as below:
CI with Full Payout Advantage
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CI with Coverage Continuation Advantage
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Apallic Syndrome Benign Brain Tumour Blindness Brain Surgery Cancer Chronic Lung Disease Coma Coronary Artery Bypass surgery End stage liver disease Heart Attack Heart Valve Surgery Kidney Failure Loss of Independent existence Loss of Limbs Major Burns Major Head Trauma Major Organ Transplant Paralysis Stroke Surgery to aorta Terminal Illness
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Angioplasty* Alzheimer's Disease Aplastic Anaemia Cardiomyopathy Deafness Loss of Speech Medullary Cystic Disease Motor Neurone Disease Multiple Sclerosis Muscular Dystrophy Parkinson’s Disease Poliomyelitis Primary Pulmonary hypertension SLE with Lupus Nephritis
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The Critical Illnesses with Full Payout Advantage : Get the full benefit amount for Critical Illnesses covered under this category. The benefit amount payable is equal to the full sum assured chosen under the policy.
The Critical Illnesses with Coverage Continuation Advantage : The maximum benefit amount payable is Rs. 500,000* for Angioplasty and Rs. 1,000,000 for all other critical illnesses in this category and the cover continues for all other remaining illnesses benefits for the remaining sum assured chosen under the policy.The premium is also revised proportionately on the following Policy anniversary for the reduced Sum Assured.
* 50% of sum assured with a max limit of Rs. 500,000
Death or Total & Permanent Disability
The Full Sum Assured as chosen under the plan is paid in the event of Death or Total Permanent Disability of the Life Assured. This benefit is payable even if death or disability occurs because of an accident.
Claims Process made simple
Our claims process is an easy 3-step process. This will ensure that you get a hassle-free and convenient claims experience.
- Submit a written notice along with the proof of diagnosis of the critical illness / disability / death required for claim.
- The company verifies the documents and admits the claim.
- The company pays the entire benefit amount as applicable.
Definition of Critical Illnesses covered
Definition of Critical Illnesses covered [Download PDF]
List of Exclusions
List of Exclusions [Download PDF]
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