Critical Illness Cover for Women
This is a women-specific Critical Illness Insurance scheme that provides you protection against the risk of 8 critical illnesses.It gives you the security of knowing that a guaranteed cash sum will be paid in case you are diagnosed with a life-threatening illness.
- Congenital Disability Benefit (50% of Sum insured)
An amount equal to 50% of the sum assured will be payable under the plan on the birth of the child with any one or more of the Congenital Disabilities listed below and the child survives 30 days from the date of diagnosis. This benefit will be available for first two children only and will not be available if the birth of the child occurs after the proposer attains the age of 40 years.
List Of the Congenital diseases /defects
- Down's syndrome:
- Congenital cyanotic heart disease:
- Tracheo-esophageal fistula:
- Cleft Palate with or without cleft lip:
- Spina bifida:
- Oblique eye fissures with skin folds on the inner corner of the eyes
- muscle hypo-tonia (poor muscle tone)
- a single palmar fold
- a protruding tongue (due to small oral cavity, and an enlarged tongue near the tonsils)
- Most individuals with Down syndrome have mental retardation in the mild to moderate range
- In addition, individuals with Down syndrome can have serious abnormalities affecting any body system. They also may have a broad head and a very round face
Congenital cyanotic heart disease:
- A hole between the two bottom chambers (ventricles) of the heart Ventricular septal Defect.
- A narrowing of the right ventricular outflow tract and can occur at the pulmonary valve (valvular stenosis).
- An aortic valve with biventricular connection, that is, it is situated above the ventricular septal defect and connected to both the right and the left ventricle.
- The right ventricular wall increases in size causing a characteristic boot-shaped (coeur-en-sabot) appearance as seen by chest X-ray.
- It is the most common cyanotic heart defect, representing 55-70%, and the most common cause of blue baby syndrome
- An abnormal connection (fistula) between the esophagus (food pipe) and the trachea (wind pipe).
- Tracheoesophageal fistula is suggested in a newborn by copious salivation associated with choking, coughing, and cyanosis coincident with the onset of feeding.
- Once diagnosed, prompt surgery is required to allow the baby to take in food.
- Cleft palate is a condition in which the two plates of the skull that form the hard palate (roof of the mouth) are not completely joined.
- The hole in the roof of the mouth caused by a cleft connects the mouth directly to the nasal cavity.
- A cleft lip or palate can be successfully treated with surgery soon after birth.
- "split spine" is a developmental birth defect involving the incomplete closure of the neural tube in developmental stage which results in an incompletely formed spinal cord.
- The most common location of the malformations is the lumbar and sacral areas of the spinal cord.
- Myelomeningocele is the most significant form and it is this that leads to disability in most affected individuals.
- Spina bifida can be surgically closed after birth, but nerve damage is permanent and this does not restore normal function to the affected part of the spinal cord.
- Children Education Bonus In the event of a Claim being admissible under Section I (Critical Illness) the policy will pay Children's Education Bonus for future education of the children (one or more). The amount payable under this section would be restricted to Rs 25000/- for one or more child put together.
- Loss of Job:
In the event of the insured person losing her job within a period of 3 months of the date of diagnosis of any of the Critical Illness as covered in the policy, the policy will pay an amount of Rs 25000/- towards loss of employment. For a claim to be admissible under this section the claim under Section. I should be admissible.
- Specific Exclusions for loss of Job: Loss of Job due to voluntary resignation from service is excluded.