Yes, there are specific exclusions under the plan. Some of them include medical emergencies suffered due to -

• Any Illness, sickness or disease other than those specified as Critical Illnesses under the plan Any Pre-existing Disease or any complication arising therefrom Any Critical Illness caused due to treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof Any Critical Illness caused due to intentional self-injury, suicide or attempted suicide.

For a complete list of exclusions, kindly read the sales brochure carefully.

If you miss paying the premium on the due date, you get a grace period. The period is 30 days from the premium due date for annual, semi-annual or quarterly modes. If you choose the monthly mode of premium payment, the grace period will be 15 days.

If you do not pay the premium within the grace period, the policy will lapse, and no benefit will be paid.

Yes, there is a waiting period of 90 days for the coverage of major CI conditions and 180 days for minor CI conditions. In the case of diagnosis of a covered illness during this period, only the premium paid will be refunded back.

• Survival period -

A cooling-off period of 180 days is applicable from the date of diagnosis of the minor CI condition. No claim will be paid during this period.

A survival period of 15 days is also applicable from the date of diagnosis of the illness. You should survive the illness during this period to be eligible for the claim.

Yes, a lapsed policy can be revived within a tenure of 5 years from the due date of the first instance of unpaid premium. Revival of the policy is allowed after paying the outstanding premium, with interest, along with the proof of insurability. A medical report might also be needed to determine the proof of insurability.

Please refer to the sales brochure for more information on the list of covered critical illnesses, its definitions, exclusions, minor and major CI conditions, termination clause. The benefits under the products will be available subject to fulfillment of definitions, exclusions, waiting period, survival period, cooling period, as appliable thus it is essential to read the sales brochure carefully w.r.t the above-mentioned terms.