Product I · Health
A single-premium cashless plan for indoor treatment across Pan-India government and private hospitals. Any illness. Any accident. One full year.
Cashless claims for a single policyholder against hospital expenses and defined benefits.
Cover every member of your family under one plan. Members are added at registration.
Designed for our elders — ambulance, hospitalisation, and specified pre-existing conditions.
Show your card at admission. The insurer settles with the hospital directly via the TPA.
Diagnostics, medicines, surgery, in-house day/night care for any illness or accident.
Ambulance, domiciliary treatment and organ transplant under most plans.
Product II · Term
Term insurance is one of the smartest ways to secure your family’s future at an affordable premium. It gives your loved ones a high level of protection to manage expenses, loans, education, and day-to-day living even in your absence.
A lump sum payout can help if you are diagnosed with serious illnesses such as cancer, heart attack, kidney failure, paralysis, or brain haemorrhage.
In many plans, future premiums are waived if the policyholder becomes permanently disabled, ensuring the policy continues without disruption.
Some term plans offer a return of premium at maturity, giving you the benefit of protection along with a financial return on the premiums paid.
The simplest — the sum assured stays constant through the tenure and is paid to your nominee on the demise of the insured. Buy young; the premium stays gentle on the pocket for life.
Survive the term — every rupee of premium is refunded at maturity. Slightly higher premium, complete peace of mind. For those who want savings with their insurance.
Designed for businesses, associations and large families. Same benefits as individual term, with broader inclusions on illnesses. Usually customised offline for the group's specific needs.
Cover grows at a pre-defined rate — up to 1.5× the original — so the real value of the benefit for your family keeps pace with inflation.
Sum assured falls each year by a fixed percentage. Ideal as a mortgage clearing plan — on the untimely demise of the insured, the payout goes towards the remaining debt.
Two lives, one policy — cheaper than two individual plans, with the same features. Ideal for couples with children.
Riders · Add-on protection
Get a lump sum payout on the first diagnosis of serious illnesses such as cancer, heart attack, kidney failure, brain haemorrhage, or paralysis.
An additional sum insured is paid to your nominee in the unfortunate event of an accidental death.
If the insured suffers permanent or total disability, the insurer can waive future premiums so the policy remains active.
Some plans provide supplementary income to help your family in case of loss of earning capacity due to illness or disability.
Tax · Section by Section
A rare instance where the Government & your family agree.
Premiums paid for life insurance qualify as a deduction, up to the annual limit.
Death benefit paid to the nominee is exempt from income tax, subject to conditions.
Premium for the Critical Illness rider on your term plan qualifies for a deduction.
Subject to prevailing tax laws. Consult your advisor.
NETWORK HOSPITALS
CLAIM SETTLEMENT
DAYS OF VALIDITY
HUMAN CONCIERGE