Prulady Insurance

Sum Assured Bounce-back Feature for Female Carcinoma-in-situ: The reduced Basic Sum Assured amount will be reverted to the original Basic Sum Assured after 6 months from the diagnosis date of Carcinoma-in-situ. 2 Recovery Benefit I) Osteoporosis Fracture; it) Rheumatoid Arthritis; iii) Facial Reconstructive Surgery due to Cancer or Accident; iv) Skin Grafting due to Burn or Skin Cancer; v) Breast Lumpectomy or Mastectomy due to Carcinoma-Len Situ, Cancer or Accident; v’) Breast Reconstructive Surgery following a Mastectomy due to Carcinoma-Len-Situ, Cancer or Accident; or vii) Surgical Removal of Female Reproductive Organ due to

Carcinoma-Len-Situ, Cancer or Accident. 30% of the Basic Sum Assured per claim Maximum 2 claims are allowed and only 1 claim per category applies. Pregnancy Care Benefit I) Disseminated Intramuscular Coagulation (after 7 months of pregnancy); it) Octopi Pregnancy; iii) Hydrofoil Mole; ‘v) Clamps; v) Late Miscarriage (after 18th to 28th week of pregnancy); v’) Death of Fetus (after 28th week of pregnancy); or vii) Death of Child (within 30 days of birth). 0% of the Basic Sum Assured, claimable once. Baby Care Benefit I) Ventricular Septa Defect requiring surgery; it) Trial Septa Defect requiring surgery; ii) Downs Syndrome; ‘v) Spins Biffed; v) Teratology Of Ballot; v’) Cleft Lip and/or Cleft Palate requiring surgery; vii) Transposition of the Great Vessels; or viii) Patent Ducts Arterioles requiring surgery. I) iii) v) Marriage; Childbirth; Buy a Property; Retirement; or Death of Spouse.

We Will Write a Custom Essay Specifically
For You For Only $13.90/page!


order now

Money Back Benefit Subject to a maximum of 9% of the Basic Sum Assured; I) 3% of Basic Sum Assured; it) 3% of Basic Sum Assured per childbirth, claimable up to 3 times; iii) 3% of Basic Sum Assured; iv) Up to 9% of Basic Sum Assured; v) Up to 9% of Basic Sum Assured. 100% refund of total premiums paid is payable upon maturity (excluding extra premium charged for sub-standard life and service tax, if applicable) Notes: This policy will terminate after you have made a claim for Death, TIP, Female Cancer or Systemic Lupus Erythrocyte’s with Lupus Nephritis.

If Death, TIP, Female Cancer or Systemic Lupus Erythrocyte’s with Lupus Nephritis occurs within 6 months from the diagnosis date of Female Carcinoma-in-situ, the payout will be reduced by 50% of the Basic Sum Assured. If Death, TIP, Female Cancer or Systemic Lupus Erythrocyte’s with Lupus Nephritis occurs after 6 benefit amount described above.

Upon Death, TIP, Female Cancer or Systemic Lupus Erythrocyte’s with Lupus Nephritis, if the total premiums paid (excluding extra premium charged for sub- standard life and service tax, if applicable) is more than the Basic Sum Assured, we shall refund the total premiums paid (excluding extra premium charged for sub- standard life and service tax, if applicable) instead of Basic Sum Assured.

Claim on Recovery Benefit, Pregnancy Care Benefit, Baby Care Benefit and Life Change Benefit will NOT reduce the Basic Sum Assured. Pregnancy Care Benefit and Baby Care Benefit will cease when the Life Assured caches age 50. All events are claimable once only under Life Change Benefit, except for Childbirth. For Retirement or Death of Spouse Benefit, we shall pay 9% of the Basic Sum Assured less any life change benefits paid previously.