Payment
Towards Certain
Surgical Procedures:
The
highlight of this
plan is the payment
of fixed benefit
against surgical
treatments specified
in the plan.
The
policyholder shall
be eligible for
20% or 50% of Sum
Assured, depending
on whether the surgery
is categorised as
major or minor.
Fixed Benefit shall
be granted subject
to satisfactory
pre and post-operative
evidences.
Other
Highlights:
- Fixed
Benefit amount
shall be payable
irrespective of
actual expenses
incurred for surgery.
- Premium
payment has to
continue even
after availing
fixed benefit.
-
The
policyholder
continues to
enjoy the periodic
survival benefit
payment 2% of
Sum Assured,
even after availing
the fixed benefit.
Guaranteed
Additions:
Guaranteed
Additions @ 70%
of the Sum Assured
for each completed
policy year, for
which the premiums
are paid, will be
payable at the end
of the term of the
policy or earlier
death of the policyholder.
Loyalty
Addition:
If
the premium is paid
for at least 5 years,
Loyalty Addition
may become payable
with claim amount.
The amount of Loyalty
Addition shall depend
on LIC's working
experience under
this plan.
Paid-up,
surrendered and
discounted policies
will not be eligible
for Loyalty Addition.
Benefit
on maturity or on
earlier death:
The
Sum Assured, along
with the Guaranteed
Addition and Loyalty
Additions will be
payable, subject
to deduction of
amounts paid towards
Survival Benefit
and surgical procedure
benefit, if any.
Accident
Benefit:
Accident
Benefit is also
available under
the plan subject
to prevailing restrictions.
Accident Benefit
will continue to
be available even
after the life assured
has availed surgical
procedure benefits.
The
surgical procedures,
covered under the
plan are as follows:
Nervous System
(for non-malignant
causes):
Benign
Cerebral
tumors
and space
occupying
lesions
requiring
craniotomy.
Repair
of Cerebral, Spinal
Arterio
Venus
Malformations,
Cerebral
Aneurysms
and excision
or cerebral
tumors.
Other
Intra-cranial
operations
requiring
craniotomy.
|
50%
of the
Sum Assured. |
Respiratory System:
Lung transplant
combined
Heart-lung
transplant.
|
50%
of the
Sum Assured. |
Cardiovascular
System:
Initial
insertion
of permanent
pacemaker
for the
heart.
Major
surgery
on the
Aorta
(excluding
aortic
valve
surgery).
|
50%
of the
Sum Assured. |
Haemic
and Lymphatic
System:
Bone Marrow
transplantation
(recipient
only).
|
50%
of the
Sum Assured. |
Haemic
and Lymphatic
System:
Splenectomy
for haemtoligic
conditions.
|
20%
of the
Sum Assured. |
Digestive System:
Surgery
for treatment
of Peptic
Ulcer.
Resection
Anastomosis
of any
part of
alimentary
canal
not due
to malignancy.
|
20%
of the
Sum Assured. |
Endocrine System:
Complete
or partial
excision
of adrenal
glands,
pineal
gland
or thymus
gland.
Excision
of pituitary
gland.
Complete
or Partial
Thyroidectomy
Parathyroidectomy.
|
20%
of the
Sum Assured. |
Eye:
Corneal
transplant
Surgery
for Retinal
detachment
Glaucoma.
|
20%
of the
Sum Assured |
Oro-maxillagacial
surgery:
Major
re-constructive
oro-maxillafacial
surgery
for trauma
&
Burns
and not
for cosmetic
purpose
basically.
|
20%
of the
Sum Assured |
|
Musculoskeletal
System:
Total
hip
replacement
Total
replacement
of knee,
shoulder
and
Elbow
joint.
Amputation
of an
arm,
a hand,
a leg,
a foot
due
to trauma
or accident.
|
20%
of the
Sum Assured |
|
|
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|
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