Star Package

Star Package
pe|icy
A Comprehensive
Protection for your
Worries
Bajaj Allianz
Centact 0etai|s
Bajaj Allianz Ceneral |nsurance Company Limited,
C.L. Plaza, Airport koad, erawada, Pune - 411 OO6.
1el: (O2O) 66O2 6666. Pax: (O2O) 66O2 6667.
www.bajajallianz.com
mai|: |no_ba|a|a|||anz.co.|n
|er any queries p|ease centact:
8SNLjM1NL
(1oll Pree)
1800 22 5858
0ther
(Chargeble)
<PreIix City Cede> 3030 5858
8harati Mebi|e & Land|ine
(1oll Pree)
1800 102 5858
Insurance is the subject matter oI the solicitation
BJAZ-B-0099\7-Oct-13
Star Packagej vOO2j w.e.f. 1st 0ctober 2O13
Cet yeurse|I and yeur Iami|y
cevered by Star Package pe|icy teday
and s|eep easy.
0isclaimer: 1he above information is only indicative in nature. Por details of the
coverage & exclusions please contact our nearest office.
- Cashless facility offered through network hospitals of Bajaj Allianz only.
Cashless facility at 33OO+ Network hospitals PAN |ndia. -
Special discounts and offers through our value added providers.* -
1o know more visit our website, Website: www.bajajallianz.com or get in touch with
Lmail: wellness.RA1@bajajallianz.co.in ,24*7 helpline number: 18OO-1O3-2529
(toll free) j O2O-3O3O5858
Network Rospital & value Added service Provider list is provisional & subject to
change based on the review of the providers
*Cashless facilityis available onlyunder RealthCuardSection.
0isc|aimer: 1he above information is only indicative in nature. Por details of the
coverage andexclusions please contact our nearest office. | U|N: |k0AjNL-RL1jBAC|jP-Rjv.|j15Oj13-14
xc|usiens:
- any voluntarily assumed liability unless such liability would have
attachedto the |nsuredinthe absence of suchagreement
- any liability arising out of a deliberate, wilful or intentional act, error,
omission, or non-compliance withanystatutoryprovision
- liability arising out of the ownership, possession or use by or on behalf
of the |nsured or his Pamily or Rousehold Staff of any motor vehicle or
trailer for which compulsory insurance is required, save that cover
shall be provided for claims arising out of Bodily |njury or Property
0amage caused by the loading or unloading of any motor vehicle or
trailer beyondthe limits of anycarriagewayor thoroughfare
- liability arising out of the ownership, possession or use by or on behalf
of the |nsured or his Pamily or Rousehold Staff of any watercraft,
hovercraft, air- or spacecraft
- any interest andjor penalty imposed on the |nsured on account of his
failure to comply with the requirements laid down under the
Workmen's CompensationAct 1923 or anyamendment thereto
- the transmissionof anycommunicable disease or virus
- occupationor business, trade or employment
XCLUS|0NS APPL|CA8L10ALLSC1|0NS
Below exclusion would be applicable to all sections in addition to the
sectionspecificexclusions:
- War, invasion, act of foreign enemy, hostilities (whether war be
declared or not), civil war, rebellion, revolution, insurrection military
or usurped power of civil commotion or loot or pillage in connection
herewith.
- Loss or damage causedbydepreciationor wear andtear.
- Consequential loss of anykindor description.
- Loss or damage directly or indirectly caused by or arising from or in
consequence of or contributed to nuclear weapons material by or
arising from or in consequence of or contributed to by ionising
radiation or contamination by radioactivity from any nuclear fuel or
from any nuclear waste from the combustion of nuclear fuel
(including anyself-sustaining process of nuclear fission).
What istheentry ageunder thepe|icy?
- Lntryage for Proposer & spouse is 18 years - 65 years
- Childrenfrom age 3 months to 25 years canbe coveredas dependents.
What istherenewa| age?
Under normal circumstances, lifetimerenewal benefit is availableunder the
policyexcept onthegroundsof fraud, misrepresentationormoral hazard.
What isthepe|icy peried?
Policycanbe optedfor 1 yearj2yearj3 years.
Pewmany Sectienshavetebeepted under thispe|icy?
Minimum 3 sections have to be opted.
What arethe0isceuntsunder thepe|icy?
|. Sectien 0isceunts:
a) 1OZ discount applicable if 4or 5 sections are opted
b) 15Z discount applicable if 6, 7 or 8 sections are opted
||. Leng 1ermPe|icy 0isceunt:
a) 1OZ discount is applicable if policyis optedfor 2years
b) 15Z discount is applicable if policyis optedfor 3years
Combined benefit of sectional discount and long term discount can be
availedif boththe options are opted.
1axexemptienunder sectien800enpremiumpaidtewards Pea|th
Sectiens(Pea|thCuard, Critica| |||ness&Pespita| Cashen|y]
Prepe|icy medica| checkup Ier enre||ing under Star PackagePe|icy
- Waiver of medical checkup up to 45years subject to no adverse
medical history,
- Medical 1ests are mandatory for age 46years and above (list of
medical tests as per table below).
- 1he pre-policy check up would be arranged at our empanelled
diagnosticcenters.
- 1he validity of the test reports would be 3O days from date of medical
examination.
- Additional test may be advised if Critical |llness section is opted and j
or due to anyadverse medical declaration.
- |f pre-policy check up would be conducted in our paneled diagnostic
centre, 1OOZ of the standard medical tests charges would be
reimbursed, subject to acceptance of proposal andpolicyissuance.
* Subject to no adverse medical history
|reeLeek Peried
|f you are not satisfied with policy coverage, terms and conditions, ou
have the option of canceling the policy within 15 days of receipt of the
policydocuments, providedthere has beenno claim.
kenewa| & Cance||atien
i. Under normal circumstances, lifetime renewal benefit is available
under the policy except onthe grounds of fraud, misrepresentationor
- Anylosscausedeitherdirectlyorindirectlybynuclearenergy, radiation.
- Curative treatments or interventions that the |nsuredperforms or has
hadperformedonhis body.
- venereal or sexual l y t ransmi t t ed di sease, R| v (Ruman
|mmunodeficiency virus) andjor any R|v related illness including
A|0S (Acquired |mmune 0eficiency Syndrome) andjor mutant
derivatives or variations thereof however caused.
- Pregnancy, resul ti ng chi l dbi rth, mi scarri age, aborti on, or
complicationarising out of anyof the foregoing.
- 1he |nsured's participationinanynaval, militaryor air force operations
whether in the form of military exercises or war games or actual
engagement withthe enemy, whether foreignor domestic.
Sectien V|: Peusehe|dersCentents:
(Subject to first Loss Condition)
What iscevered under thePeusehe|dersCententsSectien?
- 1he householders contents will be coveredonthe first loss basis as per
coverage under the Standard Pire policy (|ncluding earthquake) and
burglary policy @ 25Z of the value at risk. Any valuable with value
more than 5 Z of the sum insured in this section is to be specifically
declaredalong withthe value at the time of proposing insurance
- 0r at the time of loss the amount payable will be restrictedto 5Z of the
first loss sum insured
Annual Premium 1able:,(Premium are exclusive of service tax)
Sectien V||: 1rave|ing 8aggage:
(Anywhere inWorld) valuables excluded
What iscevered under the1rave|ing 8aggageSectien?
1he current lifestyle includes alot of traveling & touring but there is always
astrong possibilityof losing your baggage's during your travel.
Now youcanenjoy your tour peacefully as the policy pays you, inrespect of
anyloss regarding your baggage while ontour or holiday.

A
B
C
0
Premium Sum|nsured 0ptien
ks. 1OOOOO j-
ks. 2OOOOOj-
ks. 3OOOOOj-
ks. 4OOOOOj-
4OO
8OO
12OO
16OO

A
B
C
0
ks. 1OOOO j-
ks. 2OOOOj-
ks. 3OOOOj-
ks. 4OOOOj-
2OO
4OO
5OO
8OO
xc|usiensunder 1rave|ing 8aggageSectien:
- loss or damage due to cracking scratching or breakage of lens or glass
whether part of china, marble, gramophone records or otherwise and
other articles of a brittle or fragile nature, unless such loss or damage
arises from an accident to a vessel, train, or other mechanised vehicle
or aircraft by which such baggage is conveyed by the |nsured andjor
the |nsured's Pamily
- loss or damage causedby or any process of cleaning, dyeing repairing
or restoring to whichthe baggage is subjected
- loss or damage causedbymoth, mildew or vermin
- loss or damage to any electrical machines, apparatus, fixtures or
fittings (including wireless sets, radio, television sets and tape
recorders) arising from over running, excessive pressure, short
circuiting arcing self heating or leakage or electricity from whatever
cause (lightning included)
- loss or damage caused by mechanical derangement or over winding
of watches andclocks
- theft from cars except from fully enclosed saloon cars having all the
doors, windows and other openings securely locked and properly
fastened, andanyother securityaidproperlyapplied
- loss or damage whilst being conveyedby any carrier under contract of
affreightment
- loss of or damage to Iewelleryor valuables
- loss of or damage to article which did not form part of the Contents of
the baggage when the journey commenced unless specifically
declaredandacceptedbythe Company
- loss or destructionof or damage to baggage of aconsumable nature
- loss of or damage to carried loose articles such as sticks, straps,
umbrellas, sunshades, deck chairs, property in use on the journey or
articles of clothing whilst being wornonthe personor carriedabout
- loss destruction or damage caused by or arising from the leakage
spilling or exploding of liquid, oils or material of alike nature or articles
of adangerous or damaging nature
- any tour or travel undertaken within the municipal limits of the
village, townor citywhereinthe |nsuredpermanentlyresides.
Sectien V|||: Pub|icLiabi|ity:
What iscevered under thePub|icLiabi|ity Sectien?
Sometimes our actions can cause bodily injuries or property damage to
third parties. |n such cases coping with the liability can result in a large
financial burden. 1his plan protects your legal liability for bodily injury or
damage to propertyof thirdparty.

A
B
C
0
ks. 2OOOOOj-
ks. 3OOOOOj-
ks. 4OOOOOj-
ks. 5OOOOOj-
1OO
15O
2OO
25O
moral hazard.
ii. |ncase of Our ownrenewal agrace periodof 3O days is permissible and
the Policy will be considered as continuous for the purpose of all
waiting periods . Any medical expenses incurred as a result of disease
conditionj Accident contracted during the break period will not be
admissible under the policy.
iii. Por renewals receivedafter completionof 3O days grace period, afresh
applicationof healthinsurance shouldbe submittedto Us, it wouldbe
processedas per anew business proposal.
iv. After the completion of maximum renewal age of dependent
children, the policy would be renewed for lifetime. Rowever a
separate proposal form should be submitted to us at the time of
renewal with the insured member as proposer. Suitable credit of
continuityjwaiting periods for all the previous policy years would be
extended in the new policy, provided the policy has been maintained
without abreak.
v. Premium payable on renewal and on subsequent continuation of
cover are subject to change withprior approval from |k0A.
vi. We may cancel this insurance by giving ou at least 15 days written
notice, and if no claim has been made then We shall refund a pro-rata
premi um for the unexpi red Pol i cy Peri od. Under normal
circumstances, policy will not be cancelled except for reasons of non-
disclosure while proposing for insurance and jor lodging any
fraudulent claim .
vii ou may cancel this insurance by giving Us at least 15 days written
notice, and if no claim has been made then the We shall refund
premium onshort term rates for the unexpiredPolicyPeriodas per the
rates detailedbelow.
Craceperied:
- |ncase of our ownrenewal agrace periodof 3O days is permissible and
the Policy will be consideredas continuous for the purpose of Specific
waiting period
- Any medical expenses incurred as a result of disease conditionj
Accident contracted during the break period will not be admissible
under the policy.
When can | enhancemy suminsured?
- Sum |nsuredenhancement canbe done at renewals.
- Por enhancement of sum insured, fresh proposal form along with
the renewal notice should be submitted
Pertabi|ity Cenditiens
- As per the Portability Cuidelines issued by |k0A, |f you are insured
under any other health insurance policy of Non life insurer you can
transfer Star Package Policy with all your accrued benefits after due
allowances for waiting periods and enjoy all the available benefits of
Star Package Policy
- 1he pre-policy medical examination requirements and provisions for
suchcases shall remainsimilar to non-portable cases
kevisienjMediIicatien eI thepe|icy:
1here is a possibility of revisionj modification of terms, conditions,
coverages andjor premiums of this product at any time in future, with
appropriate approval from |k0A. |nsuchanevent of revisionjmodification
of the product, intimation shall be set out to all the existing insured
members at least 3 months prior to the date of suchrevisionjmodification
comes into the effect
Withdrawa| eI Pe|icy
1here is possibility of withdrawal of this product at any time in future with
appropriate approval from |k0A, as We reserve 0ur right to do so with a
intimation of 3 months to all the existing insured members. |n such an
event of withdrawal of this product, at the time of our seeking renewal of
this Policy, oucanchoose, among 0ur available similar andclosely similar
Realth insurance products. Upon our so choosing 0ur new product, ou
will be charged the Premium as per 0ur Underwriting Policy for such
chosennew product, as approvedby|k0A.
What weu|d be the precess in case eI a c|aim under my Star
Packagepe|icy?
Sum|nsured
Age eI the
persen te
be insured
Medica| xaminatien
Up to 45 years
46 and above
No Medical 1ests*
Medical 1ests required as listed below:
Pull Medical keport, CBC, Urine k, LCC,
Lipid profile, Pasting BSL, RbA1c, SC01,
SCP1, Sr Creatinine, CC1P
All Sum |nsured options
All Sum |nsured options
eI Annua| PremiumkeIunded
75Z
5OZ
25Z
Nil
Peried en kisk
Upto 1 month
Lxceeding 1 month and upto 3 months
Lxceeding 3 months and upto 6 months
Lxceeding 6 months
lnsured
lmpane||ed
losp|ta|
Present
Card
ke|ster C|a|mw|th
ba|a| /|||anz
24 hr he|p||ne.

|on-lmpane||ed
losp|ta| |
lnsured Va|es
Payment 0|rect|y
Send C|a|mlorm
+ b|||s+ a||
hosp|ta||zat|on
documents
To ba|a| /|||anz
or re|mbursement
8ajaj A||ianz
Bajaj Allianz Ceneral |nsurance Company Limited is a joint venture
between Bajaj Pinserv Limited (recently demerged from Bajaj Auto
Limited) and Allianz SL. Both enjoy a reputation of expertise, stability and
strength. 1his joint venture company incorporates global expertise with
local experience. 1he comprehensive, innovative solutions combine the
technical expertise and experience of the 11O year old Allianz SL, and
indepth market knowledge and good will of Bajaj brand in |ndia.
Competitive pricing and quick honest response have earned the company
the customer's trust andmarket leadership inaveryshort time.
1he8ajaj A||ianz Advantage:
Why de| need a Star PackagePe|icy?
Life is full of uncertainties and unexpected events. Unforeseen events can
happenat home, at workandevenat play. 1he death, injuryor sickness of a
breadwinner or family member can create serious financial problems for
anyfamily. |t is insituations like these, that youneedto be prepared.
1o help yousoftenthe blow Bajaj Allianzoffers youaunique package policy
whichprovides protectionagainst various risks andcontingencies facedby
an individual under a single policy. |t also provides protection for house
holdcontents andBaggage insurance. 1his package policyhas 8 sections &
apersonwouldhave to opt for aminimum of 3 sections under the policy.
What aretheSectiensunder theStar Packagepe|icy?
1. Pespita| Cash
2. Pea|th Cuard
3. Critica| |||ness
4. Persena| Accident
5. ducatien Crant
6. Peusehe|dersCentents
7. 1rave|ing 8aggage
8. Pub|icLiabi|ity
- AnySectioncanbe optedfor Section| to v|||.
- Minimum 3 sectionto be opted.
Sectien |: Pespita| Cash:
- 1his section pays a daily benefit amount to take care of the incidental
expenses during hospitalizationperiod.
- 1he daily benefit amount is doubled for |CUadmissions (Maximum 7
days for eachhospitalization).
- 1he benefit is available for 3O days per policyperiod.
- 1his is afloater sectionwhere inspouse andchildrencanbecovered
- Spouse can be covered with 5OZ additional premium and children
with25Z additional premium per child.
xc|usiensunder Pespita| Cash sectien:
We will not pay for claims arising out of or howsoever connected to the
following:
- Pre-existing disease andrelatedcomplications.
- Any treatment not performed by a Physician or any treatment of a
purelyexperimental nature.
- Any and all variants of the condition commonly referred to as Cancer,
except incase of invasive malignant melanoma.
- Any routine or prescribed medical check up or examination. Medical
Lxpenses relating to any hospitalization for diagnostic, X-ray or
laboratory examinations not consistent with or incidental to the
diagnosis and treatment of the positive existence or presence of any
|llness or accidental Bodily|njuryfor whichhospitalizationis required.
- Any Sickness that has been classified as an Lpidemic by the Central or
State Covernment.
- 3Odayswaitingperiodisapplicablefromdateoffirstpolicyinceptionforany
illnessjdiseaseexceptforAccidentalBodily|njury.
- 1 year waiting periodapplicable for below diseases:
|f the above diseases are pre existing then those will be permanently
excludedfrom the policy.
- Circumcision, cosmetic or aesthetic treatments of any description
change of life surgeryor treatment.
- Plastic surgery unless necessary for the treatment of |llness or
accidental Bodily |njury as a direct result of the insured event and
performedwithin6 months of the same.
- 0ental treatment or surgery of any kind unless necessitated by
Accidental Bodily|njury.
- Convalescence, general debility, nervous or other breakdown, rest cure,
congenital diseases or defect or anomaly, sterility, sterilization or
infertility(diagnosisandtreatment), anysanatoriums, spaorrest curesor
long term care or hospitalization undertaken as a preventive or
recuperativemeasure.
- Self afflicted injuries or conditions (attempted suicide), andjor the
use or misuse of anydrugs or alcohol.
- Any sexually transmitted diseases or any condition directly or
indirectly caused to or associated with Ruman 1-Cell Lymphotropic
virus type or any Syndrome or condition of a similar kind commonly
referredto as A|0S.
- 1reatment arising from or traceable to pregnancy and childbirth and
related complications. (Lctopic pregnancy is covered under the
policy)
- Rospitalizationfor the sole purpose of physiotherapy.
- Medical expenses where hospitalisationis not warranted.
- War, invasion, act of foreign enemy, hostilities (whether war be
declared or not), civil war, rebellion, revolution, insurrection military or
usurped power of civil commotion or loot or pillage in connection
herewith, naval or military operations of the armed forces or air force
and participation in operations requiring the use of arms or which are
ordered by military authorities for combating terrorists, rebels and the
like.
- Any natural peril (including but not limited to avalanche, earthquake,
volcaniceruptions or anykindof natural hazard).
- Participationinanyhazardous activity.
- kadioactive contamination.
- Non-allopathictreatment.
- Consequential losses of anykind, be theybywayof loss of profit, loss of
opportunity, loss of gain, business interruption, market loss or
otherwise, or any claims arising out of loss of a pure financial nature
suchas loss of goodwill or anylegal liabilityof anykindwhatsoever.
Annual Premium 1able: (Premium are exclusive of service tax)
Sectien ||: Pea|th Cuard:
Realth costs are high and are getting higher. 1his section protects you &
your family in case of serious accident or major illness, by providing
cashless benefit & medical reimbursement for hospital expenses.
What aretheCeveragesunder thePea|th Cuard Sectien?
- Medical expenses incurredduring hospitalisation.
- Pre andpost hospitalisationexpenses for 6O and9O days respectively.
- Ambulance charges ks 1OOOj- per hospitalisation.
- 13O daycare procedures are covered subject to terms & conditions
- 1OZ co-payment of the admissible claim for admissions in non
network hospital, this co payment can be waived off with payment of
additional premium
- 1OZ Cumulative Bonus benefit for each claim free year, maximumup
to 5OZ.
- 1his is afloater sectionwhere inspouse andchildrencanbe covered
- 2OZ Co-payment applicable for members of age group 56-65 years,
opting this policyfor first time.
xc|usiens:
- Benefits will not be available for Any Pre-existing condition, ailment or
injury, until 48 months of continuous coverage have elapsed, after the
dateofinceptionofthefirstStarPackagepolicywithRealthguardsection.
- Pirst 2 years waiting periodapplicable for below diseases:
- 4years waiting periodapplicable for below ailments:
i. Iointreplacementsurgery,
ii. Surgery for prolapsedinter vertebral disc (unless necessitateddueto
anaccident)
iii. Surgerytocorrectdeviatednasal septum
iv. Rypertrophiedturbinate
v. Congenital internal diseasesoranomalies
vi. Lasertreatmentforcorrectionofeyesightduetorefractiveerror.
- 3O days waiting period is applicable from date of first policy inception
for anyillnessj disease except for Accidental Bodily|njury.
- War, invasion, acts of foreign enemies, hostilities (whether war be
declared or not), civil war, commotion, unrest, rebellion, revolution,
insurrection, military or usurped power or confiscation or
nationalisation or requisition of or damage by or under the order of
any government or public local authority and claims due to nuclear
weapons andjor materials.
- Circumcision, cosmetic or aesthetic treatments, surgery for change of
lifejgender.
- Plastic surgery unless necessary for the treatment of cancer, burns or
accidental Bodily|njury
- 1he cost of spectacles, contact lenses, hearing aids, crutches, artificial
limbs, dentures, artificial teeth and all other external medical
equipments or devices
- 0ental treatment or surgeryof anykindunless as aresult of Accidental
Bodily|njuryto natural teethandalso requiring hospitalization.
- Convalescence, general debility, rest cure, congenital external
diseases or defects or anomalies, genetic disorders, stem cell
implantationor surgery, or growthhormone therapy.
- |ntentional self-injury (includingbut not limitedto the use or misuse of
any intoxicatingdrugs or alcohol) andtreatment duetouseor abuseof
anysubstance, drugoralcohol andtreatment forde-addiction.
- Ruman |mmunodeficiency virus or variantjmutant viruses and A|0S,
venereal disease or anysexuallytransmitteddisease.
- Rospitalisation primarily and specifically for diagnostic, X-ray or
laboratoryexaminations andinvestigations.
- Medical expenses where hospitalisationis not warranted.
- 1reatment arising from or traceable to pregnancy and childbirth and
related complications. (Lctopic pregnancy is covered under the
policy)
- vaccination or inoculation unless forming a part of post bite
treatment.
- Any fertility, sub fertility, impotence, assisted conceptionoperationor
sterilizationprocedure.
- vitamins, tonics, nutritional supplements unless forming part of the
treatment
- 1reatmentforanyothersystemotherthanmodernmedicine(alsoknown
asAllopathy), Lxperimental, unprovenornon-standardtreatment.
- Lxpenses related to donor screening, treatment, including surgery to
remove organs from adonor inthe case of transplant surgery.
- Weight management services and treatment related to weight
reductionprogrammes including treatment of obesity.
- 1reatment for any mental illness or psychiatric illness, Parkinson's and
Alzheimer's disease.

Add en cevers en Pea|th Cuard sectien: (additiena| premium, in
eI hea|th guard premium]
1. Cataract
2. Benign prostatic
hypertrophy
3. Rysterectomy
4. Menorrhagia
5. Pibromyoma
6. 0ilation (or dilatation) and
curettage (0&C)
7. Lndometriosis
8. Rernia of all types
9. Rydrocele
1O. Pistulae
11. Raemorrhoids
12. Pissure in ano
13. Stones in the urinary and
biliary systems
14. Surgery on tonsils or sinuses
15. Skin and all internal
tumoursjcystsjnodulesjpoly
ps of any kind including
breast lumps
16. Castric or duodenal ulcer
17. Prolapsed intervertebral disc
18. Back ache

Age
Sum
|nsured
0ptien
5OOj-
1OOOj-
2OOOj-
25OOj-
Up te
25 Yrs
A
B
C
0
Abeve 40
up te
50 Yrs
Abeve 50
up te
55 Yrs.
56yrs
and
abeve
Abeve 25
up te
40 Yrs.
25O
3OO
6OO
8OO
4OO
6OO
85O
11OO
65O
9OO
17OO
26OO
9OO
13OO
28OO
35OO
12OO
18OO
36OO
46OO
1. Any types of gastric or
duodenal ulcers,
2. Benign prostatic hypertrophy
3. All types of sinuses
4. Raemorrhoids
5. 0ysfunctional uterine
bleeding
6. Lndometriosis
7. Stones in the urinary and
biliary systems
8. Surgery on ears j tonsils j
adenoids jparanasal sinuses
9. Cataracts,
1O. Rerniaof all types andRydrocele
11. Pistulae,
12. Pissure inano
13. Pibromyoma
14. Rysterectomy
15. Surgeryfor anyskinailment
16. Surgeryonall internal orexternal
tumoursjcystsjnodulesjpolyps
of anykindincludingbreast
lumpswithexceptionof
Malignant tumororgrowth.
90days -
25 yrs
26-40yrs 41-45yrs 46-55yrs 56-60yrs 61-65yrs
A
B
C
0
0ptien S|jAge
15OOOO
2OOOOO
3OOOOO
5OOOOO
1882
2338
33O6
5244
2532
3283
443O
6156
3272
43O9
6O65
9576
5O28
67O3
838O
15236
7696
1O26O
12826
17879
8849
118OO
14749
2O561
A
B
C
0
0ptien S|jAge
15OOOO
2OOOOO
3OOOOO
5OOOOO
1O176
1298O
16224
22733
12211
15576
19469
2728O
14654
18692
23363
32736
76 yrs
and abeve
kenewa| Premium
66-70yrs 71-75yrs
Add en ceverage Additiena|
Premium
1
2
3
4
5
Accommodationto kelative ks.5OOj- per day for 1O days.
0rgan 1ransplant expenses of donor upto ks.1OO,OOOj-
Accidental Lmergency, keconstructive Surgery
(|ncase of accident), Physiotherapy, Medical evacuationupto
ks.5O,OOOj-
Burial, CremationLxpenses ks.25OOOj-
Medical expenses for accidental hospitalization
S| under healthguard would double for accidental
hospitalizationand related surgeries
(25 Z)
(25 Z)
(1OZ)
(1OZ)
(25 Z
Ve|untary deductib|eeptien under Pea|th Cuard sectien:
1his policy has an option of voluntary deductible on the claim amount,
discounts would be applicable in the premium. 0eductible amount &
discounts applicable as per the below table
Sectien |||: Critica| |||ness:
What iscevered under Critica| |||nesssectien?
- 0n diagnosis of a listed critical illness and after completion of 3O days
survival period, a lumpsum benefit amount (as per the plan opted) is
paidto the insuredmember
- 1he insured member can utilize this amount for treatment of the
disease, lifestyle changes, donor expenses or a planned treatment
outside |ndiaetc.
List eI Critica| |||nessescevered under thepe|icy:
1. Pirst Reart Attack - 0f Specified Severity,
2. 0pen Chest CABC
3. Stroke kesulting |n Permanent Symptoms
4. Cancer 0f Specified Severity
5. Kidney Pailure kequiring kegular 0ialysis
6. Major 0rgan 1ransplant
7. Multiple Sclerosis WithPersisting Symptoms
8. Surgery0f Aorta
9. PrimaryPulmonaryArterial Rypertension
1O. Permanent Paralysis 0f Limbs
11. Neuro Surgery
12. Ioint keplacement
xc|usiensunder Critica| |||nessSectien:
- Any Critical |llness for which care, treatment, or advice was
recommended by or received from a Physician, or which first
manifested itself or was contracted before the start of the Policy
Period, or for which a claim has or could have been made under any
earlier policy.
- Any Critical |llness diagnosed within the first 9O days of the date of
commencement of the Policy , this exclusion will not apply for
renewal
- Any sexually transmitteddiseases or any conditiondirectly or indirectly
caused by or associated withRuman1-Cell Lymphotropic virus type |||
(||| LB |||) or Lymphadinopathy Associated virus (LAv) or the Mutants
0erivative or variations 0eficiency Syndrome or any Syndrome or
0isceunt (] 0etectib|e ameunt
1OOOO
15OOO
25OOO
5OOOO
75OOO
1OO OOO
15OOOO
2OOOOO
25OOOO
1O Z
15 Z
17.5 Z
2O Z
22.5 Z
25 Z
27.5 Z
3O Z
32.5 Z
ks. 2OOOOOj-
ks. 3OOOOOj-
ks. 4OOOOOj-
ks. 5OOOOOj-
375
563
75O
938
A
B
C
0
conditionof asimilarkindcommonlyreferredtoasA|0S.
- 1reatment arising from or traceable to pregnancy, childbirth
postpartum complications including but not limited to caesarian
section, birthdefects andcongenital anomalies.
- 0ccupational diseases.
- Any natural peril (including but not limited to storm, tempest,
avalanche, earthquake, volcanic eruptions, hurricane, or any other
kindof natural hazard).
- kadioactive contamination.
- Consequential losses of anykind, be theybywayof loss of profit, loss of
opportunity, loss of gain, business interruption, market loss or
otherwise, or any claims arising out of loss of a pure financial nature
suchas loss of goodwill or anylegal liabilityof anykindwhatsoever.
- |ntentional self-injury andjor the use or misuse of intoxicating drugs
andjor alcohol.

Sectien |V: Persena| Accident:
1he death or injury of breadwinner can create serious financial problems
for any family. 1he section provides coverage for death, Permanent 1otal
0isability (P10), Permanent Partial 0isability (PP0), and 1emporary 1otal
0isability(110) to the insuredperson.
1his sectioncanbe optedbyproposer only.
What iscevered under Persena| Accident Sectien?
- 1OOZ of sum insuredpayable |ncase of deathdue to accident.
- 125Z of sum insuredpayable incase of Permanent 1otal 0isability
- Por Permanent Partial 0isability, the benefit is as per the PP0 table in
the policydocument.
- 1Z of the sum insured per week, up to a maximum of 1OO weeks is
payable for 1emporary1otal 0isability.
- 1he Company will reimburse the actual medical expenses incurred or
4OZ of the admissible claim, whichever is lower, towards the cost of
treatment of accidental bodilyinjurysustainedbythe insured
Sectien V: ducatien Crant:
(Payable incase of Accidental 0eathandPermanent 1otal 0isability)
What iscevered under ducatien Crant Sectien?
- |n case of an accidental death or Permanent 1otal 0isability of the
insured person, the sum insured would be payable towards the
continuing educationof the deceased's childjchildren.
- 1he claim wouldbe payable to the nominee under the policy.
- 1his sectioncanbe optedbyproposer only.
xc|usien under Persena| Accident and ducatien Crant sectiens:
- Suicide, attemptedsuicide or self inflictedinjuryor illness
- Whilst under the influence of intoxicating liquor or drugs
- Any deliberate or intentional, unlawful or criminal act, error, or
omissionof the |nsured.
- Any consequential losses of any kind, andjor any actual or alleged
legal liabilityof the |nsured.
- Whilst engaging in aviation or ballooning, whilst mounting into,
dismounting from or travelling inany balloonor aircraft other than as
a passenger (fare paying or otherwise) in any duly licensed standard
type of aircraft anywhere inthe world.
- Any loss suffered by the |nsured on account of his participation as the
driver, co-driver or passenger of a motor vehicle during motor racing
or trial runs.

A
B
C
0
ks. 2OOOOOj-
ks. 3OOOOOj-
ks. 4OOOOOj-
ks. 5OOOOOj-
12O
18O
24O
3OO
A
B
C
0
Age
Sum|nsured
46yrs - 50 Yrs 51yrs - 55 Yrs 56yrs and abeve
0ptien
ks. 1OOOOOj-
ks. 15OOOOj-
ks. 2OOOOOj-
ks. 3OOOOOj-
12OO
18OO
24OO
36OO
175O
2625
35OO
525O
3OOO
45OO
6OOO
9OOO
A
B
C
0
Age
Sum|nsured
6yrs - 25 Yrs 26yrs - 40 Yrs 41yrs - 45Yrs
0ptien
ks. 1OOOOOj-
ks. 15OOOOj-
ks. 2OOOOOj-
ks. 3OOOOOj-
2OO
3OO
4OO
6OO
425
638
85O
1275
8OO
12OO
16OO
24OO

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