SUD Life Smart Healthcare has 3 Plan options.

• Option 1 - Cancer Cover
• Option 2 - Heart Cover
• Option 3 - Heart, Cancer, Liver & Kidney Cover

No, the Policyholder must choose any one plan option at proposal stage and once chosen it cannot be changed during the policy term.

There is no right age to buy a health Insurance policy. However, the Life Assured should be at least 18 years of age^* and not more than 65 years of age^* while applying for this plan.

^*Age is age last birthday

The Policyholder can opt for a minimum Policy Term of Years to maximum policy term of 30 Years.

The Premium Payment Term is equal to the Policy Term.

The Premium Payment modes available are Yearly, Half-Yearly, Quarterly^*, and Monthly^*.

^*Monthly and quarterly modes of premium payment are only through NACH/SI

Yes. This policy provides Income Tax benefits under Section 80D of the Income Tax Act, 1961, subject to conditions stipulated therein. We recommend you consult your tax advisor for details.

Yes, during the Premium Payment Term, you have an option to alter/ change the premium payment frequency as available under the policy. This option can be exercised only on Policy Anniversary.

The types of Critical Illness that are covered under each Plan Option have been classified as Minor illness conditions and Major Illness conditions as listed in Annexure 1-A. Kindly refer to the sales brochure for details on the CI and its definitions.

In case the life assured is diagnosed with any of the covered Critical Illness conditions then the policyholder will receive a lumpsum benefit based on the severity of the condition.

Under a particular Plan Option, Maximum 2 minor CI condition claims are admissible during the policy term subject to Cooling-off period. On a valid minor CI condition claim, premium will be waived for first 3 policy years. The waiver of premium is applicable on diagnosis of first minor CI condition only. In case the outstanding Policy Term is less than 3 years, then the premiums for the outstanding Policy Term will be waived off.

The cooling off period is the time between two minor CI claims when no second minor CI condition claim shall be admitted. Cooling Off period is of 180 days from the date of diagnosis of a Minor CI condition claim and date of diagnosis of subsequent Minor CI Condition claim. However, this requirement of 180 days is not applicable in case of diagnosis with any of the CI specified under Major CI condition claim following a Minor CI condition claim.

No. multiple claims will be admitted by the Company for same Minor CI conditions under the selected Plan Option. For instance, in case if you have opted for Plan Option – Cancer Cover, then multiple minor condition claims for the same organ will not be admitted by the Company. For instance, In case if you have opted for Plan Option Cancer Cover, in order to qualify for a minor cancer, claim benefit under this for the second time, the minor second cancer claim of the organs should be different from the organ of the first claim for which benefit has been paid. Similarly, no claim will be paid for the same minor condition under Heart/ Liver/ Kidney Plan Options.

For those organs with left and right component (including but not limited to breast, ear, eye, fallopian tube, kidney, lung, ovary and testicle), both components will be considered as one and the same organ. Further, each group of the following sites will also be treated as one organ:

• a) Basal cell and squamous skin cancer
• b) Corpus uteri, vagina, cervix uteri
• c) Colon and rectum
• d) Penis and testis
• e)Stomach and esophagus.

On diagnosis of major CI condition covered, an amount equal to Sum Insured less minor CI conditions claims previously paid, if any will be paid.

Only one major CI claim will be admitted during the Policy Term.

Yes, there is a waiting period of 90 days for all major CI conditions covered and 180 days for all minor CI conditions from the policy commencement date, or policy revival date, whichever is later. In case the insured event happens during this period, no benefit shall be payable.

No waiting period applies for Critical Illness claims arising solely due to an accident.

It means any condition, ailment, injury, or disease: That is/are diagnosed by a physician within 48 months prior to the effective date of the policy issued by the insurer or its reinstatement; or

For which medical advice or treatment was recommended by, or received from, a physician within 48 months prior to the effective date of the policy issued by the insurer or its reinstatement. Pre-existing diseases are not covered under this plan.

The benefits will be paid subject to Life Assured surviving the survival period of 15 days from date of diagnosis. The Company will pay the benefits when the Critical Illness is diagnosed during the policy term irrespective of when the Survival Period of 15 days is completed.

A benefit is paid on diagnosis with any of the listed CI conditions. If a claim is made under a minor CI condition, then the policy pays out 25% of the Sum Insured and continues with the remaining Sum Insured till the policy term. Unfortunately, if major CI condition claim is made again then the remaining 75% of the Sum Insured is paid to the policy holder and the policy terminates immediately.

In the event where a Major CI condition claim is made, then 100% of the Sum Insured is paid in lump sum and the policy terminates.

(The benefit are paid subject to fulfillment of waiting period, survival period, fulfillment of definitions of the covered CI, exclusions etc. as per the contract)

A grace period of 15 days from the due date of the first unpaid premium is available for Monthly mode and 30 days for Quarterly/ Half yearly and Annual mode to pay the due premiums.

If the due premiums have not been paid within the grace period, then the policy will lapse. Policy cover will cease, and no benefits shall become payable under the lapsed policy.

Yes, lapsed policy can be revived within five years from the due date of the first unpaid premium.

The premium rates are guaranteed for an initial period of 5 policy years from the date of commencement of the policy. On completion of the said period of first 5 policy years, the premium rates may be revised by the Company, subject to the internal approval and if revised, it will be applicable prospectively and will be guaranteed for a period of five consecutive yearsAny revision in the Premium rates shall be notified to the Policyholder at least three months prior to the date of such revision.

No maturity benefit will be paid and the contract ceases.

No benefit will be paid on death of the Life Assured.

There is no surrender benefit available.

Yes, there are certain exclusions which are not coverable. Kindly refer to the sales brochure for more details

A claimant statement, all reports, including but not limited to all medical reports, case histories, investigation reports, treatment papers, discharge summaries, a precise diagnosis of the treatment for which a claim is made, KYC document, cancelled cheque leaf and any other document or information as required by the Company.