Critical Illness:
We will pay you the sum insured as stated against this Extension in the Policy Schedule, in case you are diagnosed as suffering from one or more of the Critical Illnesses for the first time in your life, during the Policy Period. However, we will not make any payment if you are first diagnosed as suffering from a Critical Illness within 90 days of the Period of Insurance Start Date. This benefit can be availed by you only once during your lifetime. No Claim under this Extension shall be ad-missible in case any of the Critical Illnesses is a consequence of or arises out of any Pre-Existing Condition(s)/Disease.
“Critical Illness” for the purpose of this policy includes the following:
1) Cancer of specified severity
2) Open chest CABG
3) First heart attack - of specified severity
4) Kidney failure requiring regular dialysis
5) Major organ/ bone marrow transplant
6) Stroke resulting in permanent symptoms
7) Permanent paralysis of limbs
8) Open heart replacement or repair of heart valves
9) End stage liver disease
Donor Expenses:
In consideration of the payment of additional premium to us, it is hereby declared and agreed that notwithstanding anything to the contrary in the Policy, we will indemnify you up to an amount not exceeding `
50,000 for the Medical Expenses incurred in respect of the donor for any of the organ transplant surgery, provided the organ donated is for Your use and We have admitted your Hospitalization Claim under the Policy.