Some illness or accident due to which the life insured/policy owner becomes completely disabled or; The policy owner/life insured is diagnosed to be suffering from any of the specified critical illnesses; The policy owner's death, in case of the life insured being the child and the policy owner being parent/guardian.

All future premiums of the base policy and attached riders will be waived on the happening of the selected insured event, prior to payer's 65 birthday.

When life insured and policy owner the same person, the product is available for durations between 5, 10, 15, 20, 25 and 30 years. It is also available for policies for 60, 65, 70, 80 and100 years of age.

When the life insured is a minor and policy owner is parent/guardian, the product is available for durations between 5 and 25 years.

On Total Permanent Disability (TPD) after completing the waiting period of 26 weeks and in case of Critical Illness (CI) surviving the insured critical condition for at least 30 days from the date of diagnosis.

The policy owner should be a minimum of 18 years at entry whilst maximum maturity age is 65 years. Please refer to Table A, which specifies the maximum age at entry.

The premium paying period is throughout the benefit period of the base policy or rider but not beyond the policy owner attaining age 65, whereby all future premiums of the base policy and attached riders will be waived off on the happening of the selected insured event selected prior to payer's the 65 birthday.

Premium paying frequency will be the same as for the base product.

If the life insured under the coverage, whether sane or insane, dies by suicide within one year after the coverage date or the effective date of reinstatement of the coverage, the company will not pay the coverage face amount. ! Exclusions for TPD and CI will apply. Please refer to your insurance advisor for details.

** 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.