Critical Illness Benefit. If an Insured Person is First Diagnosed to be suffering from a Critical Illness of the nature specified in Annexure A of the Policy, during the Coverage Period, then We will pay the Sum Insured under this Benefit as specified in the Certificate of Insurance. This benefit is payable provided that:
a. the Critical Illness is covered under the Policy for the Insured Person as stated in the Certificate of Insurance;
b. the Critical Illness first occurs or first manifests itself during the Coverage Period as a first incidence;
Critical Illness Benefit. On first ever diagnosis of any one of the eligible Critical Illness as mentioned in Appendix A, subject to the other terms of this Rider, the Company shall pay the Rider Sum Assured as mentioned in the Base Policy Schedule or the Rider Endorsement Letter to the Rider to the Eligible Person. However, the Critical Illness Benefit shall not be paid under the following three conditions:
4.1.1. Any Critical Illness diagnosed during the Waiting Period.
4.1.2. Death of the Eligible Person occurring within Survival Period.
4.1.3. Occurrence of conditions mentioned under the Exclusions set out in clause 5 of this Rider. In the event of Critical Illness during the Grace Period the Critical Illness Benefit shall be paid after deducting the balance premiums (if any) due for that Policy Year.
Critical Illness Benefit. If the Insured Person is first diagnosed to be suffering from any of the following Critical Illnesses during the Policy Period, We will pay Sum Insured upto the limit specified in the Policy Schedule for this Cover, subject to the following:
(a) We shall not be liable to accept any Claim under this Cover if it pertains to any Critical Illness diagnosed within 90 days of the commencement of the first Policy Period of this Cover with Us;
(b) We shall not be liable in case any of the Critical Illnesses is a consequence of or arises out of any Pre-Existing Condition(s)/ Disease.
(c) We shall not be liable to make payment under this Cover for more than once in respect of any Insured Person across all Policy Periods; Further,
(a) This cover is applicable on an individual basis irrespective of type of policy (Individual/ Floater) and available for Insured Persons aged 18 years or above.
(a) Once a Claim has been accepted and paid for any of the listed Critical Illness, this benefit shall cease in respect of that Insured Person, but shall continue to be in force for other Insured Persons.
(b) Notwithstanding any provision to the contrary in the Policy, this Cover will be applicable on a worldwide basis;
(c) In the event of a Claim arising under this Cover, We shall be given written notice of the Claim within 30 days from the date of the first diagnosis of the Critical Illness and We shall be provided the following information and documentation:
(i) The Claim documents stated in the Policy, provided that We will accept duly certified copies of the listed documents if the originals are required to be submitted to any other insurance company;
(ii) Written confirmation of the diagnosis of the Critical Illness from the treating Medical Practitioner; “Critical Illness” for the purpose of this Cover is as mentioned below: • First diagnosis of the below-mentioned Illnesses more specifically described below
1. Cancer of specified severity
2. Kidney failure requiring regular dialysis;
Critical Illness Benefit. On first ever diagnosis of any one of the eligible Critical Illness as mentioned in Appendix A, subject to the other terms of this Rider, the Company shall pay the Rider Sum Assured as mentioned in the Base Policy Schedule or the Rider Endorsement Letter to the Rider to the Eligible Person. However, the Critical Illness Benefit shall not be paid under the following three conditions:
4.1.1. Any Critical Illness diagnosed during the Waiting Period.
4.1.2. Death of the Eligible Person occurring within Survival Period.
4.1.3. Occurrence of conditions mentioned under the Exclusions set out in clause 5 of this Rider.
Critical Illness Benefit. A. In the event of a Member being diagnosed as suffering from or undergoing any one of the medical events as herein defined, after this Policy has been in force for not less than Ninety (90) days (hereafter called “ Waiting Period“) from the date of commencement of the benefit, subject to Member surviving thirty (30) days from the date of diagnosis of the critical illness, the company will pay the amount specified under the Fourth Schedule attached.
B. The critical illness occurs prior to the attainment by the Member of age 65 years.
C. Payment of the Benefit for any of the conditions covered shall constitute a full discharge of the company’s liability under this benefit and cover shall not be renewed thereafter.
D. Critical Ilness Defenitions
1. Cancer A disease manifested by the presence of a malignant tumour characterized by the uncontrolled growth and spread of malignant cells, and the invasion of tissue. Diagnosis has be confirmed by a specialist and evidenced by definite histology. The term cancer also includes leukaemia and malignant diseases of the lymphatic system such as Hodgkin’s Disease. Excluded are:
a. Any CIN stage (cervical intraepithelial neoplasia)
b. Any pre-malignant tumour
c. Any non-invasive cancer (cancer in situ)
d. Prostate cancer stage 1 (T1a, 1b, 1c)
e. Basal cell carcinoma and squamous cell carcinoma
f. Malignant melanoma stage IA (T1a N0 M0)
g. Any malignant tumour in the presence of any Human Immunodeficiency Virus.
Critical Illness Benefit. Before the life assured reaches the maturity age mentioned in the (T.B. and C.) under the Critical Illness Rider and in the event he/she is diagnosed as suffering from any of the critical illnesses as defined hereafter and if the life assured survives for 30 days after the day of diagnosis, while this rider is still in force and not cancelled as specified in the general conditions, the Company will pay to the Contract owner the sum assured shown in the (T.B. and C.) under the additional Critical Illness rider, this amount being payable upon receipt of the proof of critical illness and the required documents. No amounts shall be payable under this rider in respect of a critical illness condition diagnosed within a period of 90 days of the commencement date of cover. Upon the Contract owner’s instructions, the payment under this rider will be either: - paid directly to the Contract owner. - or credited to the regular investment account. After the payment of the additional Critical Illness benefit, this rider will be cancelled.
Critical Illness Benefit. Critical illness Benefit ($2,000 lifetime maximum payable in the event of life threatening cancer, stroke or heart attack) shall be Self-insured and Self- Administered by the Employer as per Human Resources Policy # POL-HR-5.05 which may be amended from time to time.
Critical Illness Benefit. If the Insured Person is first diagnosed to be suffering from any of the following Critical Illnesses during the Policy Period, We will pay Sum Insured upto the limit specified in the Policy Schedule for this Cover, subject to the following:
(a) We shall not be liable to accept any Claim under this Cover if it pertains to any Critical Illness diagnosed within 90 days of the commencement of the first Policy Period of this Cover with Us;
(b) We shall not be liable in case any of the Critical Illnesses is a consequence of or arises out of any Pre-Existing Condi tion(s)/Disease.
(c) We shall not be liable to make payment under this Cover for more than once in respect of any Insured Person across all Policy Periods; Further,
(a) This cover is applicable on an individual basis irrespective of type of policy (Individual/ Floater) and available for Insured Persons aged 18 years or above.
(a) Once a Claim has been accepted and paid for any of the listed Critical Illness, this benefit shall cease in respect of that Insured Person, but shall continue to be in force for other Insured Persons.
(b) Notwithstanding any provision to the contrary in the Policy, 5. Benign Brain Tumor
Critical Illness Benefit. If the life assured is diagnosed with early stage, intermediate stage or critical stage Critical Illness (as defined in Annex 1) during the term of the policy, we will pay the following benefit: We will pay the basic sum assured or total premium paid, whichever is higher, in one lump sum. The policy will end when we make this payment. We only cover the conditions of or medical procedures undergone for the covered Critical Illnesses that we define in this policy. The full definition of an early stage, intermediate or critical stage of the covered Critical Illnesses and the circumstances in which you can claim are given in Annex 1 of this policy.
Critical Illness Benefit. In the event an Insured Person is Diagnosed to be suffering from a Critical Illness, the Company will pay the Insured Person the Sum Insured for this benefit as stated in the Policy Schedule. The Company will only pay an Insured Person:
