You get comprehensive coverage against all prevalent Heart and Cancer related conditions. On diagnosis of a covered condition, you are paid a lump sum amount (% of chosen Sum Assured).
You can choose from 2 plan options:
Option A : Cover for Heart related conditions:
A lump sum amount is paid to you on diagnosis of a covered Heart related condition.
Option B : Cover for Heart and Cancer related conditions:
You can cover yourself against Cancer related conditions in addition to Heart by paying a nominal additional premium. A lump sum amount is paid to you on diagnosis of covered Heart or Cancer related conditions.
The benefit amount is paid under 3 categories
We have classified all covered Heart and Cancer related conditions under 3 categories – Mild, Moderate and Severe. These categories are based on severity of the diagnosed illness and define the extent of payout made to you as a percentage of your chosen sum assured.
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Category
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Definition of payout
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Mild
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25% of the chosen sum assured is paid to you on diagnosis. You can claim a mild condition only once under Plan Option A and twice under Plan Option B (one each from Heart and Cancer related conditions).
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Moderate
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50% of the chosen sum assured is paid to you on diagnosis. Thereafter, Exide Life Insurance will pay premium for next 5 years on your behalf. Multiple claims are allowed under this category and your policy will terminate upon payment of 100% of sum assured.
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Severe
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100% of the sum assured is paid to you. Amount paid to you prior to diagnosis of a severe condition will be deducted. The policy will terminate on payout.
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(In case you are diagnosed with more than one condition at the same time, the benefit will be paid to you under the highest category. To know more about these listed conditions, please refer to Terms and Conditions.)
Conditions Covered
Heart Related Conditions
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Mild
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Moderate
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Severe
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Angioplasty
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Carotid Artery Surgery
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Myocardial Infarction (First Heart Attack of specified severity)
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Arrhythmia’s leading to Insertion of Pacemaker or ICD
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Secondary Pulmonary Hypertension with permanent functional impairment NYHA class III
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Open Chest Coronary Artery Bypass Graft
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Cardiac Arrest
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Cardiomyopathy
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Open Heart Replacement or Repair of Heart Valves
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Pericarditis leading to Pericardiectomy
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Surgical Septal Myomectomy to relieve Left Ventricular Outflow Tract obstruction
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Major surgery of Aorta
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Percutaneous Heart Valve Surgery
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Primary Pulmonary Hypertension
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Minimally Invasive Surgery to Aorta
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Heart transplant
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Keyhole Coronary Bypass Surgery
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Stroke resulting in permanent symptoms
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Infective Endocarditis
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Valvuloplasty
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Cancer Related Conditions
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Mild
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Moderate
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Severe
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Carcinoma-in-Situ of all organs excluding skin
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Mastectomy due to diagnosis of Carcinoma-in- situ of the breast
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Cancer of Specified Severity (please refer the Terms and conditions for more details)
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Early stage Cancers of Prostate
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Orchidectomy due to diagnosis of Carcinoma-in-situ of the testis
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Thyroid Papillary Microcarcinoma
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Cystectomy due to diagnosis of Carcinoma-in- situ of the Urinary Bladder/ T1NoMo Urinary Bladder Cancer
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Bladder Microcarcinoma
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Total Abdominal Hysterectomy and Bilateral Salpingo-Oophorectomy due to diagnosis of Carcinoma in-Situ of the Cervix/ Carcinoma-in-Situ of the Uterus /Carcinoma-in-situ of the Ovary
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Chronic Lymphocytic Leukemia – early stages
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(To know more about these listed conditions, please refer to Terms and Conditions.)