ASHA DEEP - II - With Profit - Health Related Insurance

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ASHA DEEP - II
(WITHOUT PROFITS)
(Health Related Insurance)

'ASHA DEEP - II' is suitable when you need costly medical expenses can be met by having a provision made. This policy will bring you a lumpsum Rs.25,000/- to Rs.2,50,000/- depending on the Sum Assured (50% of Sum Assured) and there after all the future premiums are waived. 10% of Sum Assured is payable till maturity. At Maturity 50% Sum Assured with Bonus.

Salient Features

If the life Assured does not get afflicted by any of the mentioned diseases, the full Sum assured with vested bonuses will be paid on the date of maturity or on death of Life Assured, which ever is earlier.
If the life Assured get afflicted by any of the diseases during the term of the policy, 50% of the Sum Assured will be paid immediately and the premiums for next years are waived.

Benefits

Sum assured along with with vested bonuses are payable either on date of maturity or on earlier death.
Covers Risk of these four major ailments:
1. Cancer (Malignant)
2. Paralytic strock leading to permanent disability
3. Renal Failure of both Kidneys
4. Coronary artery diseases where by-pass surgery has been done
If life Assured get afflicted by any of the above mentioned diseases then:
- 50% of Sum Assured payable immediately on admission of claim and also 10% of sum assured is payable for each year till date of maturity or death, whichever is earlier
- 50% i.e. balance along with vested bonuses is payable on the date of maturity or on earlier death
- Once the claim is admitted for sickness as mentioned above, eligibility for the Basic Sum Assured payable either on death or survival ceases.

Restrictions

Minimum age at entry :18 years
Maximum age at entry : 50 years
Maximum age at maturity : 65 years
Minimum Sum Assured : Rs.50,000/-
Maximum Sum Assured : Rs.5,00,000/-
Policy Term : 15, 20 and 25 years
Mode of payment of premium : Yearly, Half-yearly, Quarterly, Monthly & SSS
Sum Assured : Rs.5,00,000/- & Rs.10,00,000/- only.
Sickness benefits are available only once during the policy.
A lien is imposed for a period of 1 year, wherein Benefits detailed under heading "Cover Risk for these four ailments" are excluded for 1 year. If the life assured is afflicted any one of the above mentioned ailments during this period, then the life assured is not eligible for these policy benefits. The policy is itself altered as an Endowment Assurance for the same terms and premiums charged accordingly.
Even if the sickness benefits are availed the accident benefit continues.
Standard age proofs have to be submitted.

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