Reliance Critical Illness Insurance

Coverage details

• Wide Sum Insured options to choose between Rs. 5 lakhs, 7 lakhs and 10 lakhs.
• Lumpsum payment enables you to plan the treatment accordingly.
• Income Tax benefits under Section 80 D of the Income Tax.
• Policy period for one year and three years.

What is covered under critical health insurance plan?

• Heart attack, stroke
• Particular types of cancer when diagnosed at certain stages
• Critical health conditions like multiple sclerosis
• Major Organ/ Bone Marrow Transplant
• Third Degree Burns
• Aorta Graft Surgery
• Open Heart Replacement or Repair of Heart Valves
• Coma of Specified Severity
• Quadriplegia / Permanent Paralysis of all four limbs
• Total Blindness
• Kidney Failure Requiring Regular Dialysis

What are the Exclusions Applicable to Critical Illness Insurance?

• A critical health insurance plan may not offer risk coverage for all chronic diseases/illnesses like
• All diseases, illnesses, injuries which are pre-existing when the cover incepts for the first time under this Policy.
• Critical illness contracted or evidenced through signs and symptoms within 3 months of the inception date of this Policy.
• No benefit under the policy if death occurs within 30 days of diagnosis of the critical illness or performance of surgery.
• Certification/diagnosis by a family member, person not registered as Medical Practitioner or any diagnosis that is not scientifically recognized.
• Any critical illness arising out of any congenital Illness or condition or disorder whether internal or external.
• Critical illness/condition resulting, directly or indirectly, caused by, contributed to or aggravated or prolonged by child birth or from pregnancy or in consequence thereof.
• Any critical illness due to alcohol, smoking, other tobacco intake or drug abuse.
• Any treatment/surgery for change of sex or any cosmetic surgery or treatment/surgery/
• complications/ illness arising as a consequence thereof.
• Critical illness acquired as a consequence of Human Immuno-deficiency Virus (HIV) infection.
• Critical illness arising due to intentional self-injury, suicide or attempted suicide.
• Any critical illness arising or resulting from the Proposer or any of his family members committing any breach of law or participating in an actual or attempted felony, riot,
• crime, misdemeanor or civil commotion.
• War, Terrorism induced Critical Illness/Surgery or caused by nuclear weapons.