Key Features

• Cost effective comprehensive protection plan
• Choice of 4 different plan options basis your protection needs
• Option of insurance coverage till the age of 80 years
• Option to choose coverage for 10 Critical Illnesses (Basic) or 36 Critical Illnesses (Enhanced)
• Waiver of future premiums in case of Permanent Disability and Critical Illness
• Lower premium rates for Females and Non-smokers

Benefits

• Maturity Benefit

No maturity benefit payable under this plan.

• Death Benefit

In case of death of the Life Assured during the Policy Term, provided all due Premiums have been paid, the nominee will receive 100% of the Death Benefit Sum Assured in a lump-sum.

• Tax benefit

The Premium(s) paid by you are eligible for tax benefit available under the provisions of Section(s) 80C, 80 CCC (1), 80D, 10(10D) as applicable.

• Accidental Death Benefit

In addition, if death happens due to an accident, the nominee will receive an additional lump-sum payout equal to the Accidental Death Benefit Sum Assured opted by You. This is an inbuilt benefit.

Am I eligible?

PARAMETER	MINIMUM	MAXIMUM
ENTRY AGE	18 years	65 years
MATURITY AGE	-	80 years last birthday
SUM ASSURED	Death Benefit 25,00,000 Accidental death Benefit 5,00,000 Critical illness benefits 5,00,000	No limit
PREMIUM PAYMENT TERM	equal to policy term
POLICY TERM	5 years	62 years
PAYMENT MODE	Yearly, Half-yearly, Monthly

What if?

I am unable to pay on time

• A grace period is provided based on the payment frequency. The policy is continued if you make the payment within the time period else the policy is lapsed

I stop the payment

• On the completion of the grace period the policy will get lapsed and the benefits cannot be claimed on the death of the life insured.

I wish to take a loan

• No loan options are available for this policy

Exclusions

Suicide Benefit

• If death occurs due to suicide within 12 months from the date of commencement of risk of the Policy, the death benefit is refund of at least 80% of the premium(s) paid provided the Policy is in-force. If death occurs due to suicide within 12 months from the date of revival of the Policy, the death benefit is higher of 80% of the premiums paid till the date of death or the Surrender Value available as on the date of death.

Exclusions for Terminal Illness

The benefit under this clause will not be payable if Terminal Illness arises directly or indirectly as a result of any one or more of the following:

• Infection with Human Immunodeficiency Virus (HIV) or conditions due to any Acquired Immune Deficiency Syndrome (AIDS)

In case a Terminal Illness claim is not payable due to the above exclusions, the policy will continue with the applicable death cover

Exclusions for Accidental Death Benefit:

You will not be entitled to any accidental death benefit in case of accident directly or indirectly due to or caused, occasioned, accelerated or aggravated by any of the following:

• Suicide or self-inflicted injury, whether the life assured is medically sane or insane
• War, terrorism, invasion, act of foreign enemy, hostilities, civil war, martial law, rebellion, revolution, insurrection, military or usurper power, riot or civil commotion. War means any war whether declared or not.
• Taking part in any naval, military or air force operation during peace time.
• Committing an assault, a criminal offence, an illegal activity or any breach of law with criminal intent.