If the life insured is diagnosed to be suffering from any of the 4 illness specified.
The life insured survives the specified illness for a period of at least 30days from the date of diagnosis.
Illness Covered
A
Heart Attack:
The death of a portion of the heart muscle as a result of inadequate blood supply and being evidenced by all three of the following:
A history of typical prolonged chest pain.
New Electro Cardio Graphic (ECG) changes.
Significant elevation of cardiac enzymes above accepted laboratory levels of normal.
Confirmation by a specialist approved by us may be required. Diagnosis of heart attack based solely on an ECG or solely on a blood test is excluded. We will not pay for other causes of severe non-cardiac chest pain, heart failure or angina.
B
Stroke:
Stroke is a cerebrovascular accident or incident producing permanent neurological deficits lasting more than 30 days, as verified by a consulting neurologist or specialist approved by us.
This includes infarction of brain tissue as a result of thrombosis or heamorrhage or embolisation from an extra-cranial source .
Specifically excluded are transient ischaemic attacks, any reversible ischaemic neurological deficit, vertebrobasilar ischaemia, cerebral symptoms due to migraine, or brain damage due to external traumatic causes.
C
Cancer:
A malignant tumor characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue. The term cancer includes leukemia, lymphoma and Hodgkin's disease. The cancer must require treatment by surgery, radiotherapy, chemotherapy, biological response modifiers, or any other major interventionist treatment. Cancers that are completely untreatable where palliative therapy only is initiated are also covered in this definition. The diagnosis must be confirmed with a valid pathology report and a report from a specialist approved by us. Specifically excluded are:
All tumors, which are historically described as benign, pre-malignant or non-invasive.
Any lesion described as carcinoma in-situ.
Cervical dyspalsia or intra-epithelial neoplasia (CIN-1, CIN-2 or CIN-3).
Prostatic Intra-epithelial neoplasia (PIN).
Early prostrate cancers that are historically described as TNM Classification T1, or American Urological Association's (AUA) stage A, or of equivalent stage with any other classification system.
Any forms of cancer in the presence of Human Immuno deficiency Virus infection, including lymphoma or Kaposi's sarcoma.
Thin melanomas with pathology report showing Clarke's Level less than III or Breslow thickness less than 1.5mm.
All non-melanoma skin cancers.
All cancers that are a recurrence or metastates of a tumor that first occurred within the qualifying period.
D
Surgery to Coronary Arteries:
The undergoing of open heart surgery or keyhole surgery, on the advice of a consultant cardiologist, to correct narrowing or blockage of one or more coronary arteries with insertion of bypass graft(s). Balloon angioplasty (PTCA), heart catheterization, lazer relief, rotablade, stenting and all other cardiac procedures are excluded
Exclusions:
Coverage face amount will not be paid if an insured critical condition results either directly or indirectly from any of the following causes:
Any diagnosis of an insured critical condition contracted or diagnosed within 90 days from the coverage date of this rider coverage or the effective date of reinstatement of this policy, whichever is later.
Any pre-existing or recurring insured critical condition which is diagnosed or which the life insured contracted prior to the coverage date of this rider coverage or the effective date of reinstatement of this policy, whichever is later.
Attempted suicide or self-inflicted injury, whether the life insured is medically sane or insane.
Taking or absorbing, accidentally or otherwise, any intoxicating liquor, drug, narcotic, medicine, sedative or poison, except as prescribed by a licensed doctor other than the owner of this policy or the life insured
Inhaling any gas or fumes, accidentally or otherwise, except accidentally in the course of duty.
Committing an assault, a criminal offence, an illegal activity or any breach of law.
Tax Benefits:
Under Sec 80 D of the Income Tax Act 1961**
** As per current tax legistations.
Section 41 of Insurance Act : No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate or the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebates as may be allowed in accordance with the published prospectuses or tables of the insurer.
Insurance is the subject
matter of solicitation. Birla Sun Life Insurance. Registration no. 109
Birla Sun Life Insurance Company Limited, 6th Floor, Vaman Centre,
Makhwana Road, Off Andheri-Kurla Road,
Andheri (East), Mumbai 400059
