• The Critical Illness Insurance Policy can be bought by any permanent Indian resident aged between 18 to 65 years

• Initial waiting period: 90 days for all illnesses (not applicable on continuous renewal)
• Benefits will not be available for any Pre- Existing Diseases or related condition(s)
• Insurer shall not be liable to make any payment for any Insured Event during the Waiting Period as defined under the Policy
• Any diseases causing the death of the Insured within the stipulated Survival Period, measured from the date of incidence of the illness
• Any medical procedure or treatment, which is not medically necessary or not performed by a Medical Practitioner
• Any congenital Illness/Conditions.
• Any Covered Critical Illness arising from Birth control procedures and/or hormone replacement therapy and any complications arising thereof from
• Any treatment/surgery for change of sex or any cosmetic surgery or treatment/surgery /complications/illness arising as a consequence thereof
• Any Covered Critical Illness arising from Treatment by a family member and self-medication or any treatment that is NOT scientifically recognized and any complications arising thereof / there from
• Any Covered Critical Illness arising from Treatment with alternative medicines like Ayurvedic, Homeopathy & Unani, acupuncture, acupressure, osteopath, naturopathy, chiropractic, reflexology, aromatherapy and like and any complications arising thereof / there from
• Attempted suicide (whether sane or insane) or intentionally self inflicted Injury or Illness.
• Attempted suicide (whether sane or insane) or intentionally self inflicted Injury or Illness.

For transaction on Mobile App– no documentation

For transaction on net banking – no documentation

For paper based transactions –

• Health Insurance Proposal form
• KYC Documents :ID Proof & address proof(PAN & Aadhaar)