The Proposer for this Insurance should be between the age of 18 years and 65 years. Children above the age of 3 months can be covered by the parents / guardians provided they are financially dependent on the parents / guardians. On ceasing to be financially dependent on the parents / guardians, they can take a separate Policy on renewal. In such an event the benefits on Continuous Coverage can be ported to the new Policy. This limit will not apply to a mentally challenged children. The persons beyond 65 years can continue their Insurance provided they are Insured under the Policy with us without any break. Midterm inclusion is not allowed. Newly married spouse can be added only at the time of renewal.

Yes. You can cover Your family members in one policy. The members of the family who could be covered under the Policy are:

a) Proposer

b) Spouse

c) Children

d) Parents

e) ward

Each Insured Person shall be covered with separate Sum Insured.

This Policy is designed to give You, protection against unforeseen expenses towards treatment of Cancer.

The term Pre-existing condition/disease is defined in the Policy. If You had: a) Signs or symptoms, or b) Been diagnosed or received Medical Advice, or c) Been Treated for any condition or disease within forty eight months prior to the commencement of the first policy with us, Such a condition or disease shall be considered as Pre-existing. Any Cancer treatment arising out of such pre-existing disease or condition is not covered under the Policy.

No, This Policy does not have any Pre-acceptance Medical Examination. But Sum Insured shall be restricted, based on your age at the time of applying for this Policy, as shown in the above table.

The Policy pays where the Hospitalisation is for more than twenty four hours. But for certain treatments specified in the Policy, period of stay at the Hospital could be less than twenty four hours. Please refer to Annexure I of the Policy for details

Yes. Relevant medical expenses, towards treatment of Cancer, incurred before admission in the Hospital for a period of THIRTY days prior to the date of admission are payable.

Yes. Relevant medical expenses, towards treatment of Cancer, incurred after Discharge from the Hospital for a period of SIXTY days after the date of discharge are payable.

Yes, the Policy covers treatment and/or services rendered anywhere in India.

If You are diagnosed with Cancer during the first ninety days of the commencement date of first Policy, Your Policy shall be cancelled ab-initio and entire premium will be refunded. If there are more than one Insured Person covered in the Policy, cover shall seize for that Insured Person and the premium collected for him/her shall be refunded.

If during the Period of Insurance any Insured Person is first time diagnosed for Cancer and is in Stage IV (based on TNM classification) or advanced metastatic cancer, 50% of the Sum Insured would be paid as Critical Care Benefit in addition to the admissible claim amount. Cancer Care Benefit is payable only once in the lifetime of each Insured Person. It will not be applicable for whom it is a Pre- Existing Condition. Any payment under this Clause would be in addition to the Sum Insured.

Yes. Payments made for Health insurance in any mode other than cash are eligible for deduction from taxable income as per Section 80 D of the Income Tax Act, 1961, as amended from time to time. For details, please refer to the relevant Section of the Income Tax Act.

No claim will be payable under this Policy for the following:

1. Any Treatment other than for Cancer.

2. Pre-Existing Condition for Cancer for which Insured Person had signs or symptoms, and/or was diagnosed, and/or received medical advice / treatment prior to the first policy issued by Us (as mentioned in the Schedule).

3. Cancer diagnosed / contracted by the Insured person during the first ninety days of the commencement date of first Policy.

4. Any treatment for Cancer directly or indirectly caused by or arising from or attributable to War, invasion, Act of Foreign enemy, War like operations (whether war be declared or not), nuclear weapon / ionising radiation, contamination by Radioactive material, nuclear fuel or nuclear waste or from the combustion of nuclear fuel.

5. Plastic Surgery, cosmetic, aesthetic treatment.

6. Cost of external prosthetic devices, non-durable implants, external medical equipment.

7. Dental treatment or Surgery of any kind unless necessitated due to treatment of Cancer.

8. Kaposi Sarcoma.

9. Charges incurred at Hospital primarily for diagnosis, x-ray or Laboratory examinations or other diagnostic studies not consistent with or incidental to the diagnosis and treatment of positive existence or presence of Cancer for which confinement is required at a Hospital.

10. Expenses on vitamins and tonics unless forming part of treatment for Injury or Illness as certified by the attending Medical Practitioner.

11. Non Allopathic treatment.

13. Unproven/Experimental Treatment and pharmacological regimens

14. Any kind of Service charges, Surcharges, Luxury Tax and similar charges levied by the Hospital. 15. Treatment including investigation / diagnostic services availed outside India.

16. Rest Cure, Rehabilitation and Respite care.

17. Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. This also includes:  Custodial care either at home or in a Hospital / nursing facility for personal care either by skilled nurses or assistants or unskilled persons.  Any services for people who are terminally ill to address medical, physical, social, emotional and spiritual needs.

18. Specified healthcare providers  Treatment rendered by a Medical Practitioner, which is outside his discipline or the discipline for which he is licensed.  Treatments rendered by a Medical Practitioner, who is a member of the Insured Person’s family or stays with him, however proven material costs are eligible for reimbursement in accordance with the applicable cover.  Any treatment or part of a treatment that is not of a reasonable charge, not Medically Necessary; drugs or treatments that are not supported by treating doctor’s prescription.  Charges related to a Hospital stay not expressly mentioned as being covered in this Policy, including but not limited to charges for admission, discharge, administration, registration, documentation and filing.  Any non-medical expenses attached with this policy.