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Critical Illness Benefit Policy

The Policy is designed to mitigate the financial risks if diagnosed with a critical illness.

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Main features of Critical Illness Benefit Policy

What it covers?

  •  A. The below-mentioned Illnesses:
    • Cancer of specified severity
    • Kidney failure requiring regular dialysis
    • Multiple Sclerosis with persisting symptoms
    • Benign Brain Tumor
    • Motor Neuron Disease with Permanent Symptoms
    • End-Stage Lung Failure
    • End-Stage Liver Failure
    • Primary (Idiopathic) Pulmonary Hypertension
    • Parkinson’s Disease Before the Age Of 50 Years
    • Alzheimer's Disease Before the Age Of 50 Years
  • B. The following surgical procedures:
    • Major Organ (Heart/ Lung/ Liver/ Kidney /Pancreas) or Human Bone Marrow Transplant
    • Open heart replacement or repair of heart valves
    • Open chest CABG
    • Surgery Of Aorta
  • C. The following medical events:
    • Stroke resulting in permanent symptoms
    • Permanent Paralysis of Limbs
    • Myocardial Infarction (First Heart Attack of specified severity)
    • Third Degree Burns
    • Loss of Speech
    • Blindness
    • Loss of Limbs
    • Deafness
    • Coma of Specified Severity
    • Major Head Trauma
    • Muscular Dystrophy

Major Exclusions

  • Any existing loss, injury or accident which occurred before the commencement of the policy.
  • Injury, disease or damage due to willful act including attempting suicide or intentional self-injury.
  • Any claim arising or resulting from Insured person(s) committing any breach of law or ordinance or non-compliance of any statuary provision with or without criminal or malicious intent.
  • Any claim where the cause of illness /accident is intoxication or addiction or overdose of drugs (except as medically prescribed) or narcotics/ alcohol by the Insured.
  • Any claim if the Insured person is taking part in a naval, military, airforce or law enforcement operation.
  • Any claim arising out of sporting risk in so far as they involve, the training or participation in competitions of professional or semi-professional sportsmen or women.
  • Adventure Activities/ sports – Any critical illness/medical event/surgical procedure arising out of any Adventure activities/ sports.
  • War Risk - Damage as a consequence of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, confiscation, nationalization, civil commotion or loot or pillage in connection therewith.
  • Nuclear Risk - Any loss to property, consequential loss, legal liability or bodily injury, illness, disease directly or indirectly caused by or contributed to by or arising from
    • ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.
    • the radioactive, toxic, explosive or hazardous properties of any nuclear assembly or nuclear component.
  • Consequential Loss – Any consequential or indirect loss or expenses arising out of or related to any insured event.

Cancellation

IFFCO-Tokio may cancel the policy on grounds of fraud, moral hazard or misrepresentation or non-cooperation by the Policy holder by sending 15 (fifteen)days notice under recorded delivery to the Policy holder at his/her last known address and in such event, IFFCO-Tokio will return to the Policy holder, except in case of fraud or illegality on Policy holder’s part, the premium paid less the pro rata portion thereof for the period the Policy has been in force.

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