Kasinathan Insurance Consultant

Eligibility :

•  Entry age between 18 years and 70 years

•  Dependent Children can be covered from 5 months

•  Family means Insured Person, Spouse, Dependent Children between 5 months and 25  years of age.

• Sum Insured shall be on the basis of the monthly income from gainful employment as prescribed by the Company

Features:

Introduced additional in-built benefits

Hospital Cash – Optional benefits

Home Convalescence – Optional benefits

Medical Expenses Extension

Coverage for Winter Sports

On-line purchases – 5% discount on premium excluding tax

If family is covered – 10% of discount on total premium

Policy Benefits:

Table A – covers Accidental Death

Table B – covers Accidental Death and Permanent Disablement

Table C – covers Accidental Death, Permanent Disablement and Temporary Total Disablement (Weekly Compensation)

Additional in-built Benefits:

Educational Grant: Maximum of Rs.10,000/- per child upto 2 children in case of Death/Permanent Total Disability of the insured person

Ambulance Charges / Transportation Expenses of Mortal Remains: The limit of Company’s liability is Rs.5,000/- only during the policy period.

Travel Expenses for One Relative (Applicable for Death claims only): 1% of Total Sum Insured upto Rs.50,000/- subject to actual for the transport expenses to one relative of the insured person.

Vehicle and/or Residence Modification: 10% of Table B and Table C sum insured subject to a maximum of Rs.50,000/- towards the expenses incurred to modify the insured person’s residential accommodation or vehicle.

Purchase of Blood: Upto 5% of the sum insured under relevant table/tables opted subject to a maximum of Rs.10,000/- towards the expenses incurred in purchasing blood through a Hospital or Government approved blood bank.

Transportation of Imported Medicines: Upto 5% of Total sum insured subject to a maximum of Rs.20,000/- towards the expenses incurred on freight charges for importing medicines.

The above mentioned amounts are payable in addition to the sum insured.

Optional Benefits (on payment of additional premium):

Medical Expenses Extension: Upto 25% of the valid claim or 10% of the sum insured or actual whichever is less subject to a overall limit of Rs.5,00,000/- per policy period.

Hospital Cash: Cash benefit of Rs.1000/- for each completed day of Hospitalization (excluding date of admission and date of discharge) provided such hospitalization happens within 30 days from the date of accident.

Home convalescence: Rs.500/- for each completed day subject to a maximum of 15 days per occurrence and 60 days per policy period towards the cost of engaging one attendant at residence immediately after discharge from the hospital, provided the same is recommended by the attending physician.

Cumulative Bonus :

Cumulative Bonus of 5% accrues to the insured person for each completed year, subject to a maximum of 50%. Cumulative bonus will not be lost if the policy is renewed within 30 days. Cumulative bonus is not applicable on the ADDITIONAL BENEFITS OR OPTIONAL BENEFITS