Arogya Shield

• Combi product

This product provides the double protection of a health insurance cover as well as life insurance cover

The health insurance cover provides you and your family a comprehensive protection against medical emergencies and covers the hospitalization charges. It provides the option of sum insured of Rs. 100,000; Rs. 200,000 and Rs. 300,000.

The life insurance cover ensures that your family will be financially looked after in case of an unfortunate event. It provides the option of sum assured of Rs. 5,00,000 to Rs. 25,00,000.

• Affordability

The premiums to be paid for this product is affordable. Premium payment mode under the Health Insurance Cover is Single Premium, renewable yearly and in case of Life Insurance cover, regular premium is payable throughout the policy term on annual basis. A discount of 5% on premiums is also available towards both the life and health insurance components of this combi product

• Hospitalization cover

The health cover of this plan provides coverage for various hospitalization related expenses.

COVERAGES:

• Pre-hospitalization expenses upto 60 days for each of the admitted hospitalisation

• Post-hospitalization expenses upto 90 days for each of the admitted hospitalisation

• 141 Day care procedures

• Domiciliary hospitalization

• Outpatient treatment

• Death Benefit under Life Cover :

On death of the life assured during the policy term after the expiry of the waiting period or due to accident during the waiting period, the nominee/beneficiary will receive the Sum assured on death, in lumpsum which is

Highest of

• A. 10 times the Annualized premium@

• B. 105% of all premiums paid as on the date of death

• C. Absolute amount assured+ to be paid on death

On death of the life assured due to other than accident, during the waiting period, the nominee/beneficiary will receive the Death Benefit, which is equal to 100% of all the premiums paid, excluding taxes, if any

@Annualized Premium is the total amount of premium payable in a policy year, excluding taxes, underwriting extra premiums and loadings for modal premiums, if any.

+Absolute amount assured to be paid on death shall be an amount equal to Basic Sum Assured. The premiums referred above shall not include any extra amount chargeable under the policy due to underwriting decision, if any.