How does my critical care (health insurance) plan work?
- Choose a Sum Assured as per your requirements
- Pay Premium based on your age, Sum Assured and term of cover chosen
- Receive the applicable Sum Assured in the event of being diagnosed with a critical illness or on being rendered totally disabled or on death.
How do I claim under the critical illness plan?
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.
What are the major exclusions?
- Any pre-existing illness / conditions / unless specifically accepted by the company
- Pregnancy, infertility, congenital external diseases / genetic conditions
- Non-allopathic medicine, Domiciliary treatment
- Diagnosis and treatment outside India, unless specified in the policy document
- Cosmetic surgery & plastic surgery, refractive error correction, hearing impairment correction, corrective & cosmetic dental surgeries
- Any treatment for substance abuse, self-inflicted injuries, STDs and AIDS
(Note: The above is a partial listing of exclusions. For complete details, please read policy terms & conditions).
