Policy
Coverage
The Reliance Critical Illness Policy provide for a lumpsum benefit on diagnosis
of the following Critical Illnesses or performance of any of the mentioned Surgeries.
Category I – Life Threatening
- Cancer
- Major Organ Transplant
- Multiple Sclerosis
- Third Degree Burns
- Aorta Graft Surgery
Category II – Lifestyle Disabling
- Heart Valve Replacement or repair
- Coma (persisting more than 30 days)
- Quadriplegia (persisting more than 60 days post diagnosis without any significant
recovery)
- Total Blindness
- End Stage Renal Disease (not involving transplant)
The benefit payment under the Policy will be paid on survival for more than 30 days
post diagnosis of the critical illness except in case of Quadriplegia where the
benefit will be paid after 60 days.
Sum Insured Options
The Policy offers you an option to choose between Sum Insured of Rs. 5 lakhs, 7
lakhs, 10 lakhs, 15 lakhs and 20 lakhs
Exclusions
To ensure that you do not face any unpleasant surprises when you make a claim, we
would like you to know some of the major exclusions under the policy. Reliance Critical
Illness Policy does not cover the following:
- All diseases, illnesses, injuries which are pre-existing when the cover incepts
for the first time under this Policy
- Critical illness contracted or evidenced through signs and symptoms within 3 months
of the inception date of this Policy
- No benefit under the policy if death occurs within 30 days of diagnosis of the critical
illness or performance of surgery
- Certification/diagnosis by a family member, person not registered as Medical Practitioner
or any diagnosis that is not scientifically recognized.
- Any critical illness arising out of any congenital Illness or condition or disorder
whether internal or external
- Critical illness/condition resulting, directly or indirectly, caused by, contributed
to or aggravated or prolonged by child birth or from pregnancy or in consequence
thereof.
- Any critical illness due to alcohol, smoking, other tobacco intake or drug abuse.
- Any treatment/surgery for change of sex or any cosmetic surgery or treatment/surgery/complications/
illness arising as a consequence thereof.
- Critical illness acquired as a consequence of Human Immuno-deficiency Virus (HIV)
infection
- Critical illness arising due to intentional self-injury, suicide or attempted suicide
- Any critical illness arising or resulting from the Proposer or any of his family
members committing any breach of law or participating in an actual or attempted
felony, riot, crime, misdemeanor or civil commotion
- War, Terrorism induced Critical Illness/Surgery or caused by nuclear weapons