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Eligibility
- Type 2 Diabetics or Pre-Diabetics (IFG/IGT)
- Impaired Fasting Glucose - IFG is a condition wherein, after overnight fasting the blood glucose values are between 110 and 125 mg/dl.^
- Impaired Glucose Tolerance - IGT is a condition wherein along with IFG, blood glucose values after 2 hours of meals are between 140 and 199 mg/dl.^
- Age (Nearer Birthday): 25-60 Years
Sum Assured
- Base Sum Assured Options: Rs. 3 Lakhs, Rs 5 Lakhs, Rs 10 Lakhs
- Benefit is payable on death or Critical Illness whichever is earlier
- No maturity Benefit is payable
- Diabetes Enhanced Benefit Rider: 10% of Base Sum Assured
- The Sum Assured for CI/Rider will be paid as per the table below:
Time of Diagnosis
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CI Benefit Amount
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Rider Benefit Amount
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First 6 months of the policy
|
Return of premiums paid till date
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Return of rider premiums paid till date
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6-12 months
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50% of Sum Assured *
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50% of Rider Sum Assured
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After 1 year
|
100% of Sum Assured *
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100% of Rider Sum Assured
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- Full death benefit is payable on death of the Life assured any time during the entire policy term, including 1st policy year.
Premium
- Premium payment frequency: Monthly, Half Yearly and Annual
- Premiums payable for Sum Assured of 3 Lakhs for a male are g iven below:
Age(Years)
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Base Premium(Rs.)#
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Premium with maximum reduction after Year 1(Rs.)#
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35
|
12,754
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10,841
|
40
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15,263
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11,447
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45
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18,957
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14,218
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50
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26,341
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19,756
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55
|
36,179
|
23,516
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Policy Term
There is a fixed policy term of 5 Years
^ As per Indian Council of Medical Research (ICMR) Guidelines
* The claim is payable only on survival for 28 days from the date of diagnosis of the critical illness
# The premiums shown are exclusive of service tax and education cess
Diabetes Care Plus: UIN 105N065V01
Diabetes Enhanced Benefit Rider: UIN 105B021V01
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