However, disease is limited to 13 or beyond politics. Arguments can be 100% measurement of the sum insured for all three diseases, if not in the same group, as indicated in the policy, which covers 13 such disorders, grouped into three categories in all.

Note that this condition implies that the claim is paid, if you say to a recurrence of a heart attack or cancer, because they belong to the same group. The group includes conditions such as heart attack, coronary bypass surgery, kidney or heart transplant, kidney failure and paralysis. Group B is a liver transplant coma, multiple sclerosis, liver or lungs. And Group C for the treatment of cancer, a benign brain tumor and bone marrow transplantation.

In addition, exempt benefit waiver of premium policy provided for payment of premiums after a claim is made for a diagnosis of serious illness. If you choose to return to the pilot bonus, you will also surrender, maturity or death benefits (your candidate for death) if you chose this option.

Only those who have no pre-existing disease at the time of application will be eligible for this policy, which will start after a waiting period of 90 days from the start of the policy. In addition, between the diagnosis of both diseases should be a difference of 365 days to claim the second or third to be admissible. The premium rates are guaranteed for three years, politics, after which they may be adjusted annually.

Total policy and the term premium is 15 years. The minimum and maximum ages at entry are 18 and 50, respectively, the maximum age at maturity is 65. You should buy coverage of at least Rs 2 lakh, while most coverage under the policy is Rs 30 lakh.

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Upside: Cover the conditions, even if the first argument must be paid to the insured, without the need to pay additional costs.

Downside: a claim is not payable if the insured person undergoes a treatment of the same disease again the policy mandate, not excluding coverage of relapses, which are quite common.

Source: [ET]