C O M PR E H E N S I V E

HEALTH INSURANCE SOLUTIONS

Why ICICI Lombard ?
40 MN+ CUSTOMERS*
At ICICI Lombard GIC Ltd, an insurance policy is not just a matter of saving tax at the end of the financial year but about offering a policy that works
for our customers.

GWP OF 136 BN*

ICICI Lombard GIC Ltd. is the leading private sector general insurance companies in India having issued over 26.2 million policies *

18 LACS+ CLAIMS PAID*

Our value proposition is driven by a promise to be the best partner for our customers. With this promise to ensure quick and smooth claims
processing, our unmatched services are there to always assist our customers.

8500+ GARAGES *
With our extensive and ever-increasing network of cashless garages we ensure that you are always close to help in case of a break down or accident

9300+ HEALTH CARE PROVIDERS *

Whether it's locating the closest hospital or arranging an ambulance or seeking a second medical opinion, we help the customer with it all

1000+ OFFICES *
We are here to help our 4 crores+ customers with our PAN India presence with 250+ branches and 800+ virtual offices.

* As on March 31, 2021

 Table of Contents

Complete Health Insurance

Health AdvantEDGE

BeFit – Complete OPD and Wellness Solution

Health Booster

Criti Shield Plus – The Critical Care Product

Family Shield
Wide product range to cater to all customer needs

Base OPD & Super Personal Critical

Health Wellness top up Accident Illness

 Coverage for entire  Wellness program  Deductible based  Traditional cover of  Major critical illnesses
family with Unlimited  Emergency services plans, affordable Accidental Death,  High severity events
 Cashless OPD Permanent total
reset, worldwide premium that can wipe out
program disability
coverage, protection Consultation Takes care of high financial savings


 Additional covers
against inflation  Diagnostic value claims from broken bones to
 Pharmacy Adventure sports

Products offered

CHI, Health Criti Shield

BeFIT Health Booster Family Shield
AdvantEDGE Plus
 ICICI Lombard
Complete Health Insurance
ICICI Lombard Complete Health Insurance – 4 new plans
Health Shield Health Shield Plus Health Elite Health Elite Plus
 Inpatient Health Shield Health Shield Health Elite
 All day care procedures
 30 days Pre & 60 days Post + + +
Hospitalisation  Worldwide Cover  Maternity Cover  Worldwide Cover
 Claim Protector  OPD Cover: Pharmacy,  Claim Protector
 Inpatient AYUSH Treatment
 Sum Insured Protector Consultation, Diagnostic only  Sum Insured Protector
 PED waiting period 2 years
 Hospital daily cash  Super No Claim Bonus
 Unlimited Reset  Convalescence Benefit  Nursing at Home
 Domiciliary Hospitalisation  Compassionate Visit
 Organ Donor Expenses
 Emergency Assistance
 Air Ambulance cover
 ASI Protector
 Cumulative Bonus
 Health Check Up
 Wellness program

• Health Shield and Health Elite have SI options ranging from 3L to 50L
• Health Shield Plus and Health Plus have SI options from 15L to 50L
Complete Health Insurance
Domiciliary Inpatient
Hospitalization Treatment

Additional Daycare
SI upto 50% Procedures

Additional Health Tax Benefit

SI Protector Under 80d
Shield

Road & Donor

Air Ambulance Expenses

Pre & Post Hospitalization – Unlimited

30/60 days Teleconsultation

*Deduction under section 80D is as per applicable

provisions of the Income Tax Act, 1961 and
amendments made there to.
 Optional Covers under Health Shield

Personal Accident

+
Claim Protector

+
Sum Insured Protector Critical Illness

Health Hospital Daily Cash

Super No Claim Bonus
Shield

Compassionate Visit Convalescence Benefit

Nursing at Home Worldwide Cover

*Deduction under section 80D is as per

applicable provisions of the Income Tax Act,
1961 and amendments made there to.
ICICI Lombard
Health AdvantEDGE
 Health AdvantEDGE – Product Structure and Coverage
In Patient Hospitalization Maternity & New Born Baby Cover

AYUSH Treatment Domestic Air Ambulance

Sum Insured Restore Out Patient Coverage

Guaranteed Cumulative Bonus Personal Accident & Critical Illness

Animal Bite Vaccination Hospital Daily Cash

Daycare Procedures, Organ Donor Expenses

Domestic Road Ambulance Cover,

Bariatric Surgery, Convalescence Benefit

Health Check Up, Wellness & Rewards

In Built Covers Optional Covers

For further details please refer to the policy Boucher/Wordings
In-built Coverage
Cover Name Royal Apex
Sum Insured Options 5 Lacs – 50 Lacs 75 Lacs – 300 Lacs

In – Patient Benefit Up to SI Up to SI

Room Rent Capping No No

AYUSH Treatment Up to SI Up to SI

Pre Hospitalization Expenses 60 days 60 days

Post Hospitalization Expenses 90 days 90 days

Day Care Procedures 586 procedures 586 procedures

Organ Donor Expenses Up to SI Up to SI

Sum Insured Restore* Onetime Onetime

Guaranteed cumulative Bonus# Yes Yes

Bariatric Surgery$ 50% of SI / Max upto 10 Lacs 50% of SI / Max upto 10 Lacs

* Same person same illness is covered

# 20% of SI up to a max of 100%; Once accrued shall remain guaranteed for the life and shall not get reduced in case of a claim
$ Applicable only for SI equal to or more than 10 Lacs; waiting period of 3 years
In-built Coverage
Cover Name Royal Apex
Domestic Road Ambulance 1% of SI up to a maximum of 1% of SI up to a maximum of INR
INR 10,000 10,000

Animal Bite Vaccination Up to INR 10,000 Up to INR 10,000

Domiciliary Hospitalization Up to SI Up to SI

INR 20,000, INR 20,000,

Convalescence Benefit*
Payable once in a policy year Payable once in a policy year
upto 0.5% of SI upto 0.5% of SI
Health Check-up
upto max of 10,000 upto max of 10,000

Wellness & Rewards Program Available Available

Waiting Periods
Initial Waiting Period 30 days 30 days

PED Waiting Period 2 years 2 years

Specific Waiting Period 2 years 2 years

*On continuous hospitalization for 10 days or more; payable over and above the base SI
In-built Coverage
Cover Name Royal Apex

Domestic Air Ambulance Up to SI

Maternity Benefit* 10% of SI subject to maximum of 10 lacs

Twice the maternity cover limit per newly born child over and above the
New Born Baby Cover maternity limit

1% of SI per newly born child, max upto 10 k

Vaccination for New Born Baby Available up to the age of 1 year

0.5% of SI or max upto 1 Lacs whichever is less

OPD (Medical & Dental)
(Cashless only)

Personal Accident PA Death, PTD, PPD coverage up to a max SI of 50 lacs

* Available with policy tenure 3 years only

Maternity cover for up to 3 deliveries (Twins would be considered as 2 deliveries; Pre and Post Natal expenses would be included in the
maternity limit). In case the maternity benefit is not claimed, next 3 years maternity premium is waived off
Zone Based Pricing
Zone Cities Discount

Delhi (NCR), Kolkata, Mumbai including suburbs, Thane, Pune and Hyderabad. Nil
Zone 1
All cities in the state of Gujarat, Haryana and Rajasthan

Zone 2 All State Capitals excluding those covered in Zone 1 12.50%

Zone 3 All locations excluding those covered in Zone 1 & 2 15%

Co-Payment Clause

 Person buying product in zone 3: taking treatment in zone 2 - 12.5%, taking treatment in zone 1 - 15%

 Person buying product in zone 2: taking treatment in zone 1 - 12.5%

ICICI Lombard
BeFit Rider
BeFit :: Comprehensive OPD and Wellness Solutions
Cashless Pharmacy & Preventive Health Wellbeing Value Added
OPD Diagnostics Healthcare Management Points Services

Cashless OPD Cashless Health Check ups Exhaustive health Reward for healthy Emergency
services – Physical Pharmacy and lifestyle Assistance
and Virtual from Diagnostics Health Risk management Services
general, specialist services Assessments program with Customers shall be
and super awarded wellness Deals and
specialist doctors Coverage for minor Diet & Nutrition e- services of a points redeemable discounts for
medical / surgical consultations personal health against renewal various products
Cashless procedures done premium and and services
Physiotherapy on OPD basis e-Counselling coach health related
sessions sessions deals & offers

Chat with health

experts
Product Plans
A B C D E F
Doctor
Virtual Virtual Virtual & Physical Virtual & Physical Virtual & Physical Virtual & Physical
Consultations

Pharmacy &
- INR 1000 INR 1000 INR 2000 INR 3000 INR 5000
Diagnostics

Physiotherapy - - Covered Covered Covered Covered

E-Counselling Available

VAS Available

Ambulance Assistance, Preventive Care, Wellbeing Program, Tele Consultations, Dietician e-Consultation,
Other benefits
Health management Program*

Utilization
INR 7500 INR 9500 INR 18000 INR 23500 INR 32500 INR 70000
Potential

Premium# INR 297 INR 1054 INR 2728 INR 3748 INR 4824 INR 6558

* Health Management Program is Optional at the time of fresh policy issuance. However, In case the customer develops defined adverse health
conditions/life style diseases within policy period, the Insured Person shall be mandatorily shifted to HMP at the time of renewal of the policy.

# Premium for individual customer for age up to 45 years

Earning Wellness Points and Redemption
Wellbeing Program
Be-Fit Benefit
Wellbeing program is designed to promote, incentivize and
The Be-fit program has been designed to reward the
reward the customer for healthy behavior through various
customer for healthy behavior displayed throughout the year,
wellbeing services. Customer can accumulate a maximum
which in turn limited the utilization of the Routine Diagnostic
of 6000 points through this program
and Minor Procedure cover and Pharmacy cover.
Monetization of points
Redemption of points towards renewal premium
Renewal Value of wellbeing points
1st INR 0.10 Policy Year Maximum Discount
1&2 20%
2nd INR 0.12
3 25%
3rd INR 0.15
4 25%
4th onwards INR 0.20
5 onwards 25%
Illustration for Utilization of Wellbeing Points
Particulars Fresh policy 1st renewal 2nd renewal 3rd renewal 4th renewal
A Basic premium INR 5000 INR 5000 INR 5000 INR 5000 INR 5000

B Max. wellness points through

6000 6000 6000 6000 6000
wellbeing
C Max. wellness points through BeFit
program 5000 5000 5000 5000 5000

D Total points B+C 11,000 11,000 11,000 11,000 11,000

E Value of each point 0.10 0.12 0.15 0.20 0.20

F Total Value in terms of INR D*E INR 1100 INR 5000 INR 5000 INR 5000 INR 5000

G Maximum discount that can 20% of basic 20% of basic 25% of basic 25% of basic 25% of basic
be availed premium premium premium premium premium

I Renewal Discount - INR 1000 INR 1000 INR 1250 INR 1250

J Renewal premium - INR 4000 INR 4000 INR 3750 INR 3750

K Balance can be availed INR 100 INR 320 INR 400 INR 950 INR 950
against health related deals
& offers on mobile application
Health Management Program
03
Goal Setting
Realistic goal setting,
involvement of family
members, ensure 06
02 adherence to diet &
Customized lifestyle Holistic Health
Education on stress
Program management &
Basis the risk Happiness index.
01 assessment, health 05 Focus on Mind and 08
coach develops a Body integration
Risk personalized Health
Mid year Healthy
Assessment Management Plan Assessment Lifestyle
Health assessment Assessment by the Guidance on
by a personal health coach, re-calibration 07 maintaining the healthy
coach and program 04 of the program lifestyle for long term
induction Final benefits
Engagement Assessment
Notification for Impact assessment o
personalized blogs, n final outcome of the
videos, actionable health management
articles, health prints program
ICICI Lombard
Health Booster
HEALTH BOOSTER
BASIC PRODUCT FEATURES

Inpatient AYUSH 150 Daycare Inpatient

Treatment Procedures treatment

Ambulance Domiciliary
Cover Hospitalization
Donor Expenses Pre & Post
(Up to SI) Hospitalization

For detailed coverage and exclusions refer the brochure/wordings

HEALTH BOOSTER

Reset Benefit

Additional Sum Insured

Free Annual Health check-up

Wellness Program
USP OF
HEALTH
BOOSTER
Claim Service
Guarantee

For detailed coverage and exclusions refer the brochure/wordings

Health Booster
Basic USP of Optional
Product Health Covers
Features Booster
Reset benefit Hospital daily cash +
In patient treatment
(max up to SI) Convalescence Benefit
In patient AYUSH treatment
Additional sum insured Personal accident + TTD +
All day care treatments Repatriation of remains
Free Annual Health
Domiciliary hospitalization check-up Critical illness cover

Donor expenses (up to SI) Wellness program

Pre & post hospitalization Claim service guarantee

Ambulance Cover

Deductible
Sum Insured
3
Plans

7 10 15
4
6 10 15 20 25
5
5 10 15 20 25 50
For further details please refer to the policy Boucher/Wordings
HEALTH BOOSTER

Plans 50 ( Lakh )

25 ( Lakh ) 25 ( Lakh )

20 ( Lakh ) 20 ( Lakh )

Sum Insured (Lakh )

Sum Insured (Lakh )

Sum Insured (Lakh )

15 ( Lakh ) 15 ( Lakh ) 15 ( Lakh )

10 ( Lakh ) 10 ( Lakh ) 10 ( Lakh )

6 ( Lakh ) 6 ( Lakh ) 5 ( Lakh )

3
Deductible
4
Deductible
5
Deductible
( Lakh ) ( Lakh ) ( Lakh )

For detailed coverage and exclusions refer the brochure/wordings

Criti Shield Plus – A comprehensive critical illness insurance
Critical Illness Cover Multiple Pay for Critical Illness
• Coverage for 92 critical illness • Coverage divided into 5 cohorts
• Severity based payout – 100% for • Each cohort will have independent payout
major CI and 25% for minor CI • No Waiting Period between any claim of
major and minor

Coverage for Surgical Procedures Personal Accident Cover

• Coverage for 106 surgical • PA Death
procedures • Permanent Total Disability
• Severity based payout – • Permanent Partial Disability
100% for major surgery
and 50% for minor surgery

Value Added Services

Cancer Restore Benefit • Teleconsultation
• Unique cover that gives additional • Health and Wellness Offers
payout in case of a re-diagnosed/ • E Opinion(Second opinion)
relapsed cancer of same or new • Health Assistance(HAT)
site or metastasized cancer
Product Coverage :: Critical Illness
Critical Illness Cohorts

Cancer Heart & Blood Nervous Other

Major Organ
Vessels System Illnesses

Major CIs 4 10 14 24 3

Minor CIs 1 11 12 8 5

Features • Severity based payout: • Multi Pay - Each cohort having Individual SI

o 100% for Major Cis • 1 major 1 Minor CI claim payable from each cohort*
o 25% for Minor Cis
• No Waiting Period(WP) between any claim of major and minor
• Accelerated payouts

CI = Critical Illness *Subject to a maximum payout of 100% of SI under each cohort

Product Coverage :: Add Ons
Cover CoverCover
Description Important
Important T&Cs
Name Description T&Cs

• Applicable only if Cancer cohort is opted

• Additional 50% of SI payable on account of
Unique cover that gives additional payout in
relapse
Cancer Restore Benefit case of a re-diagnosed/ relapsed cancer of
• Waiting Period of 3yrs from date of
same or new site or metastasized cancer
diagnosis of last major cancer
• Applicable only once

Major Surgical Procedures Coverage for 106 surgical procedures

• Severity based payout: 100% for major
surgeries and 50% for minor surgeries

Coverage for PA Death, Permanent Total • Coverage from Day 1

Personal Accident
Disability and Permanent Partial Disability
Product Plans

• Coverage for 10
• Comprehensive major and 11 minor
• Unique plan to • Comprehensive
coverage for major heart related
protect against coverage against
and minor cancers critical illness
cardiac and caner cancer, cardiac,

related critical major organs,

• Optional coverage • Coverage includes
illnesses & specified nervous system &
for cancer restore protection for
surgeries other organs related
specific heart
critical illnesses
related surgeries

Cancer Cardiac Cancer + Comprehensive

Shield Shield Cardiac Shield Criti Shield

Add on Options available under all plans

Click on plan name for details

Cancer Shield
Plan Features List of Major CIs

Feature Details • Cancer of Specified severity(Major

Cancer)
In Built Coverage 4 major and 1 minor Critical Illness
• Bone Marrow Transplant
Cancer Restore Benefit • Aplastic Anaemia
• Primary Myelofibrosis
Add Ons Major Surgical Procedures

PA Death + PTD + PPD List of Minor CI

• Teleconsultation
Value Added Services
• Health and Wellness Offers • Early stage cancer/Carcinoma-in- Situ
• E Opinion(Second opinion)
• Health Assistance(HAT)

Initial Waiting Period 90 days

Survival Period 0 days

Cardiac Shield
Plan Features List of Major CIs List of Minor CI

Feature Details
• Takayasu Arteritis • Pulmonary Artery Graft Surgery*
In Built 10 major and 11 minor
• Refractory Heart Failure • Cardiac Arrhythmia with surgical
Coverage Critical Illness intervention*
Major Surgical • Eisenmenger's Syndrome
Procedures • Other Serious Coronary Artery
Add Ons • Myocardial Infarction (First Heart Diseases
PA Death + PTD + PPD Attack - Of Specified Severity
• Teleconsultation • Cardiomyopathy of specified severity • Insertion of a Permanent Cardiac
• Health and Wellness Defibrillator*
Offers • Open Chest CABG*
Value Added
• E Opinion(Second • Complete Heart Block or Third Degree
Services • Open Heart Replacement Or Repair Heart Block with pacemaker*
opinion) Of Heart Valves*
• Health • Pericardectomy*
Assistance(HAT) • Surgery Of Aorta*
• Balloon Valvotomy or Valvuloplasty*
Initial Waiting
90 days • Primary (Idiopathic) Pulmonary
Period Hypertension • Angioplasty*
Survival Period 0 days • Infective Endocarditis • Minimally Invasive Surgery to Aorta*
• Pulmonary embolism
* Surgical procedures • Moderately Severe Cardiomyopathy
Cancer + Cardiac Shield
Plan Features List of Major CIs List of Minor CI

• Takayasu Arteritis • Pulmonary Artery Graft Surgery*

Feature Details
• Refractory Heart Failure • Cardiac Arrhythmia with surgical
In Built 14 major and 12 minor intervention*
Coverage Critical Illness
• Eisenmenger's Syndrome
• Myocardial Infarction (First Heart • Other Serious Coronary Artery
Cancer Restore Benefit Attack - Of Specified Severity Diseases
• Cardiomyopathy of specified severity
Add Ons Major Surgical • Insertion of a Permanent Cardiac
Procedures • Open Chest CABG* Defibrillator*
• Open Heart Replacement Or Repair
PA Death + PTD + PPD Of Heart Valves* • Complete Heart Block or Third Degree
• Teleconsultation • Surgery Of Aorta* Heart Block with pacemaker*
• Health and Wellness • Primary (Idiopathic) Pulmonary • Pericardectomy*
Offers Hypertension
Value Added • Balloon Valvotomy or Valvuloplasty*
• E Opinion(Second
Services
opinion)
• Infective Endocarditis • Angioplasty*
• • Cancer of Specified severity(Major
Health
Cancer)
• Minimally Invasive Surgery to Aorta*
Assistance(HAT)
• Pulmonary embolism
Initial Waiting • Bone Marrow Transplant
90 days • Moderately Severe Cardiomyopathy
Period • Aplastic Anaemia
• Early stage cancer/Carcinoma-in- Situ
Survival Period 0 days • Primary Myelofibrosis
* Surgical procedures
Comprehensive Criti Shield Plus
Plan Features

Feature Details
In Built
55 major and 37 minor Critical Illness
Coverage

Cancer Restore Benefit

Add Ons Major Surgical Procedures

PA Death + PTD + PPD

• Teleconsultation
Value Added • Health and Wellness Offers
Services • E Opinion(Second opinion)
• Health Assistance(HAT)

Initial Waiting
90 days
Period
Survival Period 0 days
List of Critical illness - Major
Major Critical Illnesses (100% SI Payout) Minor Critical Illnesses (25% SI Payout)
Cancer and blood disorders (4/1)
Cancer of Specified severity (Major Cancer) Cancer of Specified severity (Major Cancer)
Bone Marrow Transplant
Aplastic Anaemia
Primary Myelofibrosis

Heart and Blood Vessel (10/11)

Takayasu Arteritis Pulmonary Artery Graft Surgery
Refractory Heart Failure Cardiac Arrhythmia with surgical intervention(Sum Insured capped at 5 lacs)
Eisenmenger's Syndrome Other Serious Coronary Artery Diseases
Myocardial Infarction (First Heart Attack - Of Specified Severity Insertion of a Permanent Cardiac Defibrillator
Cardiomyopathy of specified severity Complete Heart Block or Third Degree Heart Block with pacemaker
Open Chest CABG Pericardectomy
Open Heart Replacement Or Repair Of Heart Valves Balloon Valvotomy or Valvuloplasty
Surgery Of Aorta Angioplasty (Sum Insured capped at 5 lacs)
Primary (Idiopathic) Pulmonary Hypertension Minimally Invasive Surgery to Aorta
Infective Endocarditis Pulmonary embolism
Moderately Severe Cardiomyopathy
List of Critical illness - Minor
Major Organs(14/12)
Systemic Lupus Erythematous With Renal Involvement Severe Acquired Or Secondary Pulmonary Alveolar Proteinosis (Pap)
Rheumatoid Arthritis Glomerulonephiritis with Nephrotic Syndrome
Scleroderma Moderately Severe Kidney Disease
Good Pastures Syndrome With Lung or Renal Involvement Moderately Severe Systemic Lupus Erythematous With Lupus Nephritis
Myasthenia Gravis Intestinal Gangrene
End Stage Lung Failure Portal Vein Thrombosis
Kidney Failure Requiring Regular Dialysis Surgical Removal of One Lung
Medullary Cystic Kidney Disease Moderately Severe Crohn's Disease
Fulminant Hepatitis Moderaterly Severe Ulcerative Colitis.
End Stage Liver Failure Small bowel transplant
Major Organ transplant Ankylosing Spondylytis
Severe Crohn’s Disease Surgical Removal of one kidney
Severe Ulcerative Colitis
Chronic Relapsing Pancreatitis
List of Critical illness - Minor
Nervous System(24/8)
Stroke Resulting in Permanent Symptoms Loss of Hearing of One Ear
Permanent Paralysis of Limbs Loss Of Sight In One Eye
Motor Neuron Disease With Permanent Symptoms Dissolution of the nerve roots of Brachial Plexus
Parkinson's Disease Syringomelia or Syringobulbia Requiring Surgery
Benign Brain Tumor Carotid Artery Surgery
Alzheimer's Disease Loss of Use of One Limb
Progressive Supranuclear Palsy Idiopathic Scoliosis
Multiple Sclerosis with Persisting Symptoms Coma 72 Hours
Creutzfeldt-Jakob Disease
Muscular Dystrophy
Coma of Specified Severity
Apallic Syndrome
Major Head Trauma
Guillain-Barre Syndrome
Deafness
Loss Of Speech
Blindness
List of Critical illness - Minor
Spinal Stroke
Benign Spinal Cord Tumour with Neurological Deficit
Poliomyelitis
Bacterial Meningitis
Encephalitis
Tuberculousis Meningitis
Severe Progressive Bulbar Palsy

Other Illness
Third Degree Burns Elephantiasis
Necrotising Fasciitis Adrenalectomy for Adrenocortical Adenoma
Pheochromocytoma Wilson's Disease
Optic Neuropathy
Facial Reconstructive Surgery due to accident
ICICI Lombard
Family Shield
 Family Shield
Covers segregated in 3 Sections (All Sections available individually or in combination)

Section A
Section B Each section to have base benefits and
Infectious Disease Benefits
Hospital Daily Cash Benefit
Coverage against specific Vector respective extension benefits
Fixed daily benefit in case of
Borne Diseases, Rabies &
Hospitalization due to
Tetanus; GI, Viral & Nervous
Accident or Illness
Infections
Customer can opt for one or more of the sections
by opting for at least one base cover defined under
each section

80 D Benefit under Section A&B

Family policy available with Discount

Section C Tenure & Renewal Discount

Personal Accident Benefit
Comprehensive coverage
against accidental injuries For further details please refer to the policy Boucher/Wordings
Family Shield :: Section A – Infectious Diseases Benefit
Customer can opt for one or more of these covers in any combination as per his requirement

Specific Nervous System Specific Vector Borne Diseases

Infections related Hospitalization Hospitalization Benefit
Benefit
Diseases Covered: Malaria, Dengue, Chickungunya,
Diseases Covered: Meningitis, Encephalitis, Kala azar, Japanese encephalitis, Filariasis and Zika
Creutzfeldt–Jakob disease, and Guillain–Barré Fever
syndrome

Rabies and Tetanus related

Rabies and Tetanus related Hospitalization Benefit
Death Benefit
Diseases Covered: Rabies and
Diseases Covered: Rabies and Tetanus Tetanus

Specific Gastrointestinal Infections Specific Viral Infections related

related Hospitalization Benefit Hospitalization Benefit
Diseases Covered: Acute Inflammatory Diseases Covered: Viral Hepatitis (Hepatitis A, B and
Diarrhea and Typhoid Fever C), Measles, Mumps, Poliomyelitis, Avian Influenza
. and Swine Influenza

Initial waiting period of 30 days to be applicable

Sum Insured payment on Benefit Basis following hospitalization for 2 consecutive days
Family Shield :: Personal Accident – 20 Base covers & 17 Add-ons
Base Covers Add-ons

Death Permanent Partial Broken Lifestyle Pre & Post

Bones Support Hospitalisation
Benefit Total Disability Disability

Child Education Burns Road Air

Weekly Adventure Sports
Cover Grant Cover Ambulance Ambulance
Benefit

Orphan Common Carrier Compassionate Chauffeur

Parental Surgery
Benefit Visit Cash
Care Benefit

Daily Plastic Skill Funeral Bills &

Accidental
Cash Surgery Development Expense Insurance
Hosp.

Recovery Loss of Physical On Duty Therapy

Home Tuition
Benefit Job Therapy Cover

Loan Coma Cover

Diagnostics Assault
Protection