There can be no more than one payment of sum insured for each insured under this cover. The Critical Illness benefit is a 100% pre-payment (=acceleration) of the benefit of the basic death cover to which the Critical Illness cover is a rider; the benefit for death cover is reduced by the sum insured paid out under the accelerated Critical Illness rider.
If death occurs as a result of an accident, this benefits pays an additional amount equivalent to the sum assured.
All medical expenses incurred due to an accident, either directly and independently of all other causes from a bodily injury effected through external, violent and visible accidental means within 90 days of such accident, the Company shall reimburse the above defined medical expenses, subject to a maximum liability.
Type of medical care that uses substances, surgery, and treatment specifically targeted against the medical condition and intended to cure the medical condition. This term is generally used to describe the conventional medicine.
Healthcare services and treatments that is alternative to the conventional allopathic medicine. E.g. acupuncture; acupressure, hypnotism, Rolfing, massage therapy, aromatherapy, homeopathic treatment, and all forms of treatment by using alternative medicine.
In the event of death of any Insured life, this Benefit includes the cost of transport of body/ashes to such Insured’s home address in his/her normal country of residence, subject to a maximum liability.
A medical condition or illness that has no known cure and it seem to be an ongoing, persists or would persist over a long period of time and requires regular maintenance and follow-ups.  This includes a medical condition that caused by changes to the body that cannot be reversed, medical conditions that are asymptomatic or quiet periods (remission).
Any or all of the following conditions which are made worse by, occur during, or are caused by pregnancy: acute nephritis, nephrosis, cardiac decompensation, hyperemesis gravid arum, ectopic pregnancy that is ended, pre-eclampsia, gestational diabetes, spontaneous end of pregnancy which a viable birth is possible and other medical problems of similar severity.
This Benefit pays the agreed sum assured if an insured life dies during the policy period.
Dental treatment that includes diagnostic, surgical & restorative procedures.