|Basic Sum Insured (Rs)||% of Restoration on the Basic Sum Insured|
|Up to 20,000||Nil|
|30,000 and above||100%|
Lifelong renewal of the policy is offered, except on grounds such as moral hazard, misrepresentation / non disclosure or fraud committed.
A grace period of 30 days from the date of expiry of the policy is available for renewal. If the policy is to be renewed or ported from other Indian Insurance Company for enhanced sum insured, such enhanced sum insured will not be available for an illness, disease, injury already contracted under the preceding policy periods. Further, for illness / disease / sickness already contracted, the sum insured will be restricted to that policy sum insured when the signs or symptoms was diagnosed or received medical treatment.
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