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Plan Option Life
Under this Plan Option, in case of death or on diagnosis of Terminal Illness, whichever happens earlier, the Sum Assured on Death is payable. Policy terminates upon payment of the benefit. Both the Life Assured and the Spouse can be covered for the term of the contract, subject to terms and conditions of the policy.
Plan Option Life with Return of Premium
Under this Plan Option, on occurrence of death or on diagnosis of Terminal Illness, whichever happens earlier, during the Policy Term, Sum Assured on Death is payable. If you outlive the Policy Term, we will return the Total Premiums Paid by you at maturity. Policy terminates upon payment of these benefits.
Plan Option Life Plus
Under this Plan Option, we will pay Sum Assured on Death on occurrence of death or on diagnosis of Terminal Illness, whichever happens earlier. Policy terminates upon payment of the benefit. In case of survival till maturity, the Total Premiums Paid will be refunded to you on the date of maturity. Further, policy will continue post maturity till you attain 99 years of age which is the Extended Cover Period. During this period, Sum Assured will be paid on occurrence of death or on diagnosis of Terminal Illness, whichever happens earlier. On attaining age 99 years, the Sum Assured will be paid to you. Policy terminates upon payment of these benefits.
A. Customize your plan to suit your insurance requirements
B. Once you have tailored the plan based on your need,
- Choose your Sum Assured, Policy Term, Premium Payment Term and Premium Payment Mode
- Reply few easy questions about you like age, gender, health status, lifestyle habits, tobacco/alcohol consumptions details and occupational details
- Generate your premium quote and share remaining relevant personal information regarding occupation, lifestyle and health; and details of your nominee, if applicable
- Read through the Policy Terms and Conditions and proceed to pay your premium online if you agree with them
Age
Parameters
Minimum
Maximum
Age at Entry
18 years
65 years
For PPT Upto Age 60 years (Under Plan Option Life)# – 55 years
For PPT Upto Age 60 years (Under other Plan Options)# – 50 years
For Single Premium Option – 45 years
For Non-Working Spouse – 50 years
Age at Maturity
28 years
80 years
For Whole Life Coverage# under Plan Option Life – 99 years
For ADB / ATPD – 75 years
#This Option is not available if you have opted for Spouse coverage.
Parameters
Minimum
Maximum
Policy Term (subject to Maximum Maturity Age)
Plan Option Life – 5 years*
Other Plan Options – 10 years
Plan Option Life – 62 years except for Whole Life Coverage# where it will be fixed at 99 minus Age at Entry
Other Plan Options – 30 years
Premium Payment Term (PPT)
Life
Single Premium (not available for Whole Life Coverage)
Limited Pay – 5* / 10 / 15 / 20 / 25 / Upto Age 60 years@#
Regular Pay – Equal to the Policy Term
Life with Return of Premiums
Limited Pay – 10 / 15 / 20 / 25 / Upto Age 60 years@
Regular Pay – Equal to the Policy Term
Life Plus
Limited Pay – 10 / 15 / 20 / 25 / Upto Age 60 years@
Regular Pay – Equal to the Policy Term
*Policy Term of 5 years to 9 years is available only for Age at entry of 35 years and above. Similarly 5 years PPT with Policy Terms up to 9 years is only available for ages at entry of 35 years and above.
#This Option is not available if you have opted for Spouse coverage.
@The minimum PPT under this Option will be 5 years and 10 years for Plan Option Life and other Plan Options respectively.
Parameters
Minimum
Maximum
Sum Assured
Plan Option Life – Rs. 25,00,000*
Optional In-Built Covers – Rs. 25,00,000
Other Plan Options – Rs. 15,00,000
As per Board Approved Underwriting Policy (BAUP)
For ADB – Rs. 3,00,00,000
For ATPD PPP – Rs. 1,00,00,000
For non-Working Spouse – Rs. 25,00,000
*For CSB option, the base Sum Assured chosen by the Policyholder / Working Spouse should be at least Rs. 50,00,000
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