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In case of death of insured during the policy term, Full Sum Assured will be paid to the beneficiary of insured.
With payment of additional premium, following additional benefits can be taken:
1. Accidental Death Benefit (ADB) Only:
This benefit can be taken with payment additional Rs. 1 per thousand. In case of death due to accident, additional benefit equals to basic sum assured or maximum Rs. 1,00,00,000 whichever is less is payable to the beneficiary of assured.
2. Accidental Death Benefit, Accidental Total Permanent Disability, Premium Waiver Benefit – ADB, TPD & PWB:
This benefit can be taken with payment of an additional Rs. 2.5 per thousand. Total coverage amount under this benefits will be equal to basic sum assured or Maximum Rs. 1,00,00,000 whichever is less. In case of death due to accident, an additional benefit equal to basic sum assured is payable to the beneficiary. Due to the accident if insured become total and permanently disabled, an additional benefit equal to basic sum assured is payable in 120 installments monthly and all future payable premium will be waived.
3. Critical Illness Benefit:
In case life assured is diagnosed with mentioned 18/35 defined critical illness, lump sum amount equal to basic sum assured or maximum up to Rs. 50,00,000 will be paid to the insured.
Criteria: Min Entry age: 18, Max Entry age: 55 yrs, Max policy Term 20 yrs, Max policy maturity age: 60 yrs, Maximum coverage: Rs. 50,00,000.
Benefits under this policy will be as per the terms and conditions mentioned in the policy document, rider document and any attached endorsements. Any optional riders benefits under this policy will be covered till the premium payment term only (or maximum till 20 years in case of singe payment)
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