INFORMATION TO BE PROVIDED IN SALES BROCHURE LIC’s JEEVAN AROGYA

Health has been a major concern on everybody’s mind, including yours. In these days of skyrocketing medical expenses, when a family member is ill, it is a traumatic time for the rest of the family. As a caring person, you do not want to let any unfortunate incident to affect your plans for you and your family. So why let any medical emergencies shatter your peace of mind.

LIC has launched LIC’s Jeevan Arogya, a unique non-linked Health Insurance plan which provides health insurance cover against certain specified health risks and provides you with timely support in case of medical emergencies and helps you and your family remain financially independent in difficult times.

LIC Jeevan Arogya gives you:
Valuable financial protection in case of hospitalisation, surgery etc
Increasing Health cover every year
Lump sum benefit irrespective of actual medical costs
No claim benefit
Flexible benefit limit to choose from
Flexible premium payment options

Very easy to choose your plan
Step 1 Choose the level of Health cover you need
Step 2 Work out the premium payable along with our Representative

Step 1: Choose the level of Health cover you need:
You can choose the amount of Initial Daily Benefit (IDB) (i.e. the daily Hospital Cash Benefit applicable in the first year of the policy) as per your need from out of the following choices:

` 1000 per day ` 2000 per day ` 3000 per day ` 4000 per day

This is the amount that will be payable to you in the event of hospitalisation in the first year on a per day basis. The Major Surgical Benefit (MSB) that you will be covered for will be 100 times the Initial Daily Benefit you have chosen. Thus the initial Major Surgical Benefit Sum Assured will be ` 1 lakh, 2 lakh, 3 lakh, 4 lakh respectively. Other benefits such as Day Care Procedure Benefit, Other Surgical Benefit and Premium waiver Benefit (PWB) mentioned below shall also be payable depending upon the daily Hospital Cash Benefit chosen.

Step 2: Work out the premium payable along with our representative
Your premium will depend on your age, gender, the Health cover option you have chosen, whether you are Principal Insured or other insured life and the mode of payment.

Tables below give an indicative annual premium, payable yearly, for an Initial Daily Benefit of ` 1000 per day, for some of the ages in respect of various lives that can be covered under a single policy:
PRINCIPAL INSURED (Male)

Age at entry Premium (`)
20 1922.65
30 2242.90
40 2799.70
50 3768.00

SPOUSE (Female) / PARENT (of PI/Spouse) (Female)

Age at entry Premium (`)
20 1393.15
30 1730.65
40 2240.60
50 2849.10

CHILD

Age at entry Premium (`)
0 792.00
5 794.75
10 812.35
15 870.75

Who can be insured?
You (as Principal Insured (PI)), your spouse, your children, your parents and parents of your spouse can all be insured under one policy. Quite a relief isn’t it, to have all insured under one policy! The minimum and maximum age at entry is as under:

Minimum age at entry Maximum age at entry
Self / spouse 18 years 65 years (last birthday)
Parents 75 (last birthday)
Children 91 days 17 years (last birthday)

How long are each insured under this policy?
Each of the insured are covered for Health risks up to age (80). Children are insured up to age 25 years.

Benefits offered under the plan are
Hospital cash benefit (HCB)
Major Surgical Benefit (MSB)
Day Care Procedure Benefit
Other Surgical Benefit
Ambulance Benefit
Premium waiver Benefit (PWB)

A). Hospital Cash Benefit: If you or any of the insured lives covered under the policy is hospitalised due to Accidental Body Injury or Sickness and the stay in hospital exceeds a continuous period of 24 hours, then for any continuous period of 24 hours or part thereof, provided any such part stay exceeds a continuous period of 4 hours (after having completed the 24 hours as above) in a non-ICU ward/room of a hospital, an amount equal to the Applicable Daily Benefit (ADB) available under the policy during that policy year shall be payable subject to benefit limits and conditions mentioned in Para 11A) and exclusions mentioned in Para 15 below.

During the first year of cover commencement in respect of each insured, the Applicable Daily Benefit shall be the Initial Daily Benefit amount chosen by you and mentioned in the policy Schedule.

The amount of ADB for each policy year, after the first policy year, shall consist of 2 parts:

An arithmetic addition of an amount equal to 5% (five percent) of the Initial Daily Benefit to the Applicable Daily Benefit of the previous Policy Year. Such increase in the Applicable Daily Benefit shall be effected on each policy anniversary during the Cover Period and shall continue until it attains a maximum amount of 1.5 times the Initial Daily Benefit. Thereafter, this amount in each Policy Year in future shall remain at that maximum level attained.
Further arithmetic addition of an amount equal to “No Claim Benefit” (as described in Para 1.G) below) provided the policy attracts and is eligible for it. There shall be no maximum limit for such increase which means that if this policy is eligible for “No Claim Benefit”, the same shall be granted throughout the Cover Period without any maximum limit.

For members included subsequently under the policy, the benefit in the first year shall be equal to Initial Daily Benefit amount and thereafter the Applicable Daily Benefit shall increase as above.

If any of the member insured is required to stay in an Intensive Care Unit of a hospital, two times the Applicable Daily Benefit will be payable subject to benefit limits and conditions mentioned in Para 11A) and exclusions mentioned in Para 15 below.

No benefit will be payable for the first 24 hours of hospitalisation. However, for every Hospitalization that extends for a continuous period of 7 days or more, the Daily Hospital Cash Benefit would also be paid for first 24 hours (day one) of hospitalization, regardless of whether the Insured was admitted in a general or special ward or in an intensive care unit.

B). Major Surgical Benefit: In the event of an Insured under this plan, due to medical necessity, undergoing one of the surgeries defined in Major Surgical Benefit Annexure, within the cover period in a hospital due to Accidental Bodily Injury or Sickness, the respective benefit percentage of the Major Surgical Benefit Sum Assured, as specified against each of the eligible surgeries mentioned in Major Surgical Benefit Annexure, shall be paid subject to benefit limits and conditions mentioned in Para 11B) and exclusions mentioned in Para 15 below.

C). Day Care Procedure Benefit: In the event of an Insured under this Plan undergoing any specified Day Care Procedure mentioned in the Day Care Procedure Benefit Annexure due to medical necessity, a lump sum amount equal to 5 (five) times the Applicable Daily Benefit shall be paid, regardless of the actual costs incurred, subject to benefit limits and conditions mentioned in Para 11C) and exclusions mentioned in Para 15 below

D). Other Surgical Benefit: In the event of an Insured under this Plan, due to medical necessity, undergoing any Surgery not listed under Major Surgical Benefit or Day Care Procedure Benefit, causing the Insured’s Hospitalization to exceed a continuous period of 24 hours within the Cover Period, then, a daily benefit equal to 2 (two) times the Applicable Daily Benefit shall be paid for each continuous period of 24 hours or part thereof provided any such part stay exceeds a continuous period of 4 hours of Hospitalization, subject to benefit limits and conditions mentioned in Para 11D) and exclusions mentioned in Para 15 below.

E). Ambulance Benefit: In the event that a Major Surgical Benefit falling under Category 1 or Category 2 (as mentioned in the Major Surgical Benefit Annexure) is payable and emergency transportation costs by an ambulance have been incurred, an additional lump sum of ` 1,000 will be payable in lieu of ambulance expenses.

F). Premium Waiver Benefit: In the event that a Major Surgical Benefit falling under Category 1 or Category 2 (as mentioned in the Major Surgical Benefit Annexure) is payable in respect of any Insured covered under the policy, the total annualized premium i.e. total one year premium in respect of that Policy from the date of instalment premium due coinciding with or next following the date of the Surgery will be waived.

G). No claim benefit: A no claim benefit will be paid in the event that during the period between Date of Commencement of policy and next Automatic Renewal Date or between two Automatic Renewal Dates (described in Para 4 below) there are no claims in respect of any Insured covered under your policy. The amount of the no claim benefit would be equal to 5% (five percent) of the Initial Daily Benefit in respect of each Insured and the resulting amount shall be added to arrive at the Applicable Daily Benefit in respect of each Insured for the Policy Year next following the most recent Automatic Renewal Date.

Payment of Premiums: You may pay premiums regularly at yearly, half-yearly, quarterly or monthly (ECS mode only) intervals over the term of the policy.

The premium in respect of each individual will be payable from the date of entry into the policy till the date of exit from the policy and will depend on the age of the insured member, the level of Hospital Cash Benefit (HCB) chosen, whether the insured member is Principal Insured or any other Insured life (in case of cover for more than one member in a policy). The level of premium for Principal Insured and the other insured members shall be different for the same age and same level of cover.

The premiums are guaranteed for 3 years from the date of commencement of policy. Thereafter i.e. at the end of every 3 years, the Corporation reserves the right to review the premium to take account of the experience of the portfolio subject to prior approval from IRDA. The rates applicable on every Automatic Renewal Date shall be guaranteed for a further period of 3 years i.e. till next Automatic Renewal Date.
The premium rates in respect of each insured member on renewal will be based on age of that member at the time of inclusion into the policy.
The total premium to be charged for a policy will be the sum of premiums in respect of each member to be covered in that policy.

Mode and High HCB Rebates:
HCB Rebates:

Yearly mode 2% of tabular premium
Half-yearly mode 1% of the tabular premium

In respect of a member covered under a policy, if HCB is more than ` 1000, then the premium arrived at in respect of that member shall be reduced by an amount (`) given below:

HCB (`) For PI For each insured member other than PI
2000 500 250
3000 1000 500
4000 1500 750

Automatic Renewal Date: The installment premium will be guaranteed in respect of each Insured for a period of 3 years from the Date of Commencement of the policy, i.e. for the first 3 years of the policy. Thereafter, at the end of every third policy anniversary, the premiums may be reviewed to take into account the Corporation’s experience, subject to prior approval from IRDA. These premium due dates, at the end of every third policy anniversary, starting from the date of commencement of policy till the date of cover expiry, on which the installment premiums are reviewable, will be referred as Automatic Renewal Dates in respect of all Insured in the Policy.
On any Automatic Renewal Date in the future, the installment premium will be based on the age of the Insured at the time of inclusion into the policy and the Corporation’s premium rates then prevailing for this product.

Options:
A) Cover to new additional members: If PI gets married/ remarried during the term of the policy, the spouse and parents-in-law can be included in the policy. Similarly, any child born/legally adopted after taking the policy can also be covered under the same policy. Inclusion of each additional member will be on payment of enhanced premiums and subject to various terms and conditions of the plan.
Addition in any other case will not be allowed. The existing spouse, parents, parents-in-law and children, if not covered at the time of taking policy, shall not be covered under the policy
If both of the parents (father and mother) are alive and are eligible for cover, then either both of them will have to be covered or none of them will be covered. The PI will not have any option to choose one of them. The same condition will apply for parents-in-law also.

B) Quick Cash facility: If any of the insured lives undergoes any eligible surgery covered under Category I or II of MSB in any of the listed network hospitals, you, as PI will have an option to avail Quick Cash facility. Under this facility, 50% of eligible MSB amount would be made available even during the period of hospitalization of any of the insured lives covered (the surgery may be either planned or emergency due to accident) instead of waiting for making a claim for the benefit after discharge. It will be only an advance payment in the event of hospitalization for any MSB defined in the surgeries listed under categories I & II and permissible under the policy conditions of the plan. This will be, however, subject to approval from the TPA (Third Party Administrator), and the advance amount will be adjusted from the final settlement of MSB claim amount.
This facility of advance payment could be availed by submitting your Bank Account details in the prescribed format. The amount of advance shall be credited to your bank account directly.

C) Term Assurance Rider: You, as PI, and your spouse may opt for Term Assurance as optional rider equal to the MSB SA. In case of unfortunate death, an amount equal to Term Assurance Sum Assured will be payable on death during the term for which Term Assurance Rider is opted for. The maximum cover for this rider will be ` 25 lakhs under all policies with the Corporation taken together.

D) Accident Benefit Rider: You and your spouse may also opt for Accident Benefit Rider if Term Assurance Rider has been opted for. Maximum Accident Benefit Sum Assured shall be equal to the Term Assurance Rider SA subject to maximum aggregate limit of ` 50 lakhs (taken under all policies with LIC of India and other insurers.) In case of unfortunate death due to an accident, an amount equal to Accident Benefit Sum Assured shall be payable

Eligibility Conditions And Other Restrictions:
FOR BASIC PLAN

For Hospital Cash Benefit (HCB) (under Basic Plan)

Feature Principal Insured (PI) Insured Spouse (if any) & Insured Parents (if any) Insured Dependent Children (if any)
  • Minimum Initial Daily Benefit (in a ward other than Intensive Care Unit)
` 1,000/- ` 1,000/- ` 1,000/-
  • Maximum initial daily amount
` 4,000/- Insured Spouse– Less than or equal to that of PI
Insured Parents– Less than or equal to that of Insured Spouse (PI, if there is no Insured Spouse). Further, included parents shall be covered for equal benefits.
Less than or equal to that of Insured Spouse (PI, if there is no Insured Spouse). Further, included children shall be covered for equal benefits.
  • Maximum annual benefit period, applicable to each insured
30 days in year 1, 90 days per year thereafter, inclusive of stay in ICU. Maximum number of days in ICU is restricted to 15 days in year 1 and to 45 days thereafter.
  • Maximum Lifetime Benefit period, applicable to each insured
720 days inclusive of stay in ICU. Maximum number of days in ICU is restricted to 360 days

Initial Daily Benefit shall be in multiples of ` 1000/-.

For Major Surgical Benefit (MSB) (under Basic Plan)

Feature Principal Insured (PI) Insured Spouse (if any) & Insured Parents (if any) Insured Dependent Children (if any)
  1. Major Surgical Benefit Sum Assured (MSB SA)
100 times of Applicable Daily Benefit (ADB) of PI (as specified in Para 1A) above). Insured Spouse– 100 times of ADB of Insured Spouse
Insured Parents– 100 times of ADB of each parent
100 times of ADB of each child
  1. Maximum annual benefit, applicable to each insured
100% of Major Surgical Benefit Sum Assured
  1. Maximum Lifetime Benefit, applicable to each insured
800% of Major Surgical Benefit Sum Assured

For Day Care Procedure Benefit (DCPB) (under Basic Plan

Feature Principal Insured (PI) Insured Spouse (if any) & Insured Parents (if any) Insured Dependent Children (if any)
  • Lump sum benefit payable
5 times of Applicable Daily Benefit (ADB) of PI Insured Spouse– 5 times of ADB of Insured Spouse
Insured Parents– 5 times of ADB of each parent
5 times of ADB of each child
  • Maximum annual benefit, applicable to each insured
3 Surgical Procedures
  • Maximum Lifetime Benefit, applicable to each insured
24 Surgical Procedures

For Other Surgical Benefit (OSB) (under Basic Plan

Feature Principal Insured (PI) Insured Spouse (if any) & Insured Parents (if any) Insured Dependent Children (if any)
  • Daily benefit amount

2 times of ADB of PI

Insured Spouse– 2 times of ADB of Insured Spouse
Insured Parents– 2 times of ADB of each parent

2 times of ADB of each child

  • Maximum annual benefit, applicable to each insured

15 days in year 1 and 45 days per year thereafter

  • Maximum Lifetime Benefit, applicable to each insured

360 days

FOR ACCIDENT BENEFIT RIDER OPTION:
Minimum Accident Benefit Sum Assured: ` [25] in ‘000’s
Maximum Accident Benefit Sum Assured: An amount equal to the Term Rider Benefit Sum Assured in respect of the insured.
The Accident Benefit Sum Assured shall be in multiples of ` 5,000/-.
Minimum Entry Age: 18 years completed
Maximum Entry Age: 50 years (Nearest Birthday)
Maximum age for cover: 60 years (Nearest Birthday)
Maximum term: 35 years

FOR TERM ASSURANCE RIDER OPTION:
Minimum Term Assurance Sum Assured: ` [100] in ‘000’s
Maximum Term Assurance Sum Assured: An amount equal to the Major Surgical Benefit Sum Assured (MSB SA) at the time of inception/inclusion into the policy (i.e. 100 times of Initial Daily Hospital Cash Benefit) in respect of the insured.
The Term Assurance Sum Assured shall be in multiples of ` 25,000/-.
Minimum Entry Age: 18 years (completed)
Maximum Entry Age: 50 years (Nearest Birthday)
Maximum Maturity Age: 60 years (Nearest Birthday)
Maximum Term: 35 year

Other Features:
A) Death Benefit under the basic plan: No death benefits will be payable on the death of any Insured unless any of the Rider Benefits mentioned above has been opted for.

On death of the Principal Insured;
The surviving Insured Spouse will become the Principal Insured provided the option is exercised at the beginning of the contract and the Policy will continue. In such case, the premium for the Insured Spouse will change from the date coinciding with or following instalment premium due date and the new premium would be based on tabular premium rates applicable for PIs and the age for calculation of revised premium rate will be the age at entry of the spouse. If the option is not exercised at the beginning of the contract, the Insured Spouse will not become PI and the policy will terminate.
If the Insured Spouse had predeceased the Principal Insured, then the other Insured will have the option to take a new policy and the existing Policy will terminate. In respect of these other Insured:
The new policy will be issued without any underwriting if the new policy is bought within 90 days of the termination of the existing Policy.
The maximum entry age condition will not apply for the new policy.
The outstanding Waiting periods and outstanding period of any Exclusion will however apply under the new policy.
Other terms and conditions including premium rates will be as applicable for the new policy.
The surviving Insured Spouse will become the Principal Insured provided the option is exercised at the beginning of the contract and the Policy will continue. In such case, the premium for the Insured Spouse will change from the date coinciding with or following instalment premium due date and the new premium would be based on tabular premium rates applicable for PIs and the age for calculation of revised premium rate will be the age at entry of the spouse. If the option is not exercised at the beginning of the contract, the Insured Spouse will not become PI and the policy will terminate.
If the Insured Spouse had predeceased the Principal Insured, then the other Insured will have the option to take a new policy and the existing Policy will terminate. In respect of these other Insured:
The new policy will be issued without any underwriting if the new policy is bought within 90 days of the termination of the existing Policy.
The maximum entry age condition will not apply for the new policy.
The outstanding Waiting periods and outstanding period of any Exclusion will however apply under the new policy.
Other terms and conditions including premium rates will be as applicable for the new policy.

B) Maturity Benefit: No benefits are payable at end of the Cover Period.

C) Discontinuance of premiums:A grace period of one month but not less than 30 days will be allowed for payment of yearly or half yearly or quarterly premiums and 15 days for monthly premiums.
If premium is not paid before the expiry of the days of grace, the Policy lapses and all the benefits payable under this plan will cease.

D) Revival: A lapsed policy may be revived by the PI within a period of 2 years from the due date of first unpaid premium but before the expiry of cover in respect of PI, on submission of proof of continued insurability to the satisfaction of the Corporation and the payment of all the arrears of premium together with interest at such rate as may be fixed by the Corporation from time to time. The Corporation reserves the right to accept at original terms, accept with modified terms or decline the revival of a discontinued policy. The revival of the discontinued policy shall take effect only after the same is approved by the Corporation and is specifically communicated to the PI.

No benefit will be paid for an event that occurred during the lapse period till the Date of Revival when the Policy was in a discontinued state.

Further, if the Automatic Renewal Date falls between the revival period and revival is done after the Automatic Renewal Date, the premium before and after the Automatic Renewal Date may be different.

Revival will not be allowed post the revival period

Cooling off period:

If you are not satisfied with the “Terms and Conditions” of the policy, you may return the policy to us within 15 days.

Loan:
No loan will be available under this plan.
Assignment:
No Assignment will be allowed under this plan.
Benefit Limits and Conditions:
No Assignment will be allowed under this plan.
A) Hospital Cash Benefit:

The Hospital Cash Benefit shall be payable only if Hospitalisation has occurred within India.
The total number of days for which hospital cash benefit would be payable, in respect of each Insured, in a Policy Year would be restricted to –
A maximum of 30 (thirty) days of Hospitalization out of which not more than 15 (fifteen) days shall be in an Intensive Care Unit in the first Policy Year following the date of commencement of cover in respect of that Insured
A maximum of 90 (ninety) days of Hospitalization out of which not more than 45 (forty five) days shall be in an Intensive Care Unit in the second and subsequent Policy Years following the date of commencement of cover in respect of that Insured
The total number of days of Hospitalization for which Hospital Cash Benefit is payable during the Cover Period, in respect of each and every Insured covered under the policy, shall be limited to a maximum of 720 (seven hundred and twenty) days out of which not more than 360 (three hundred and sixty) days shall be in an Intensive Care Unit. Upon attainment of this limit by an Insured, the Hospital Cash Benefit in respect of that Insured shall cease immediately.
The Benefit Limits specified in the above clauses in respect of an Insured under this Policy, shall solely and exclusively apply to that Insured. Any unclaimed Hospital Cash Benefit of any one Insured is not transferable to any other Insured.
The Hospital Cash Benefit shall not be payable in the event of an Insured under this Policy undergoing any specified Day Care Procedure (as mentioned in the Day Care Procedure Benefit Annexure).

B) Major Surgical Benefit:
If more than one Surgery is performed on the Insured, through the same incision or by making different incisions, during the same surgical session, the Corporation shall only pay for that Surgery performed in respect of which the largest amount shall become payable.
The Major Surgical Benefit shall be paid as a lump sum as specified for the benefit concerned and is subject to providing proof of Surgery to the satisfaction of the Corporation.
All Surgical Procedures claimed should be confirmed as essential and required, by a qualified Physician or Surgeon, to the satisfaction of the Corporation.
The Major Surgical Benefit will be payable only after the Corporation is satisfied on the basis of medical evidence that the specified Surgery covered under the Policy has been performed.
The Major Surgical Benefit shall be payable only if the Surgery has been performed within India.
The amount in lieu of ambulance expenses shall be payable only once in respect of each Insured in any Policy Year and is subject to providing satisfactory evidence to the Corporation.
The total amount payable in respect of each Insured under the Major Surgical Benefit in any Policy Year during the Cover Period shall not exceed 100% of the Major Surgical Benefit Sum Assured in that Policy year.
The total amount payable in respect of each Insured during the Cover Period under the Major Surgical Benefit shall not exceed a maximum limit of 800% of the Major Surgical Benefit Sum Assured. If the total amount paid in respect of an Insured equals this lifetime maximum limit, the Major Surgical Benefit in respect of that Insured will cease immediately.
The Benefit Limits specified in the above clauses in respect of an Insured under this Policy, shall solely and exclusively apply to that Insured. Any unclaimed Major Surgical Benefit of any one Insured is not transferable to any other Insured.
The Major Surgical benefit for any surgery cannot be claimed and shall not be payable more than once for the same surgery during the term of the policy.

C) Major Surgical Benefit:
If more than one Day Care Procedure is performed on the Insured, through the same incision or by making different incisions, during the same surgical session, the Corporation shall only pay for one Day Care Surgical Procedure.
The Day Care Procedure Benefit shall be paid as a lump sum and is subject to providing proof of Surgery to the satisfaction of the Corporation.
All Surgical Procedures claimed should be confirmed as essential and required, by a qualified Physician or Surgeon, to the satisfaction of the Corporation.
The Day Care Procedure Benefit will be payable only after the Corporation is satisfied on the basis of medical evidence that the specified Surgical Procedure covered under the policy has been performed.
The Day Care Procedure Benefit shall be payable only if the Surgical Procedure has been performed within India.
In respect of each Insured, the Day Care Procedure Benefit will be payable only up to a maximum of 3 (three) Surgical Procedures in any Policy Year during the Cover Period.
In respect of each Insured during the Cover Period, the Day Care Procedure Benefit will be payable only up to a maximum of 24 (twenty four) Surgical Procedures. If the number of Surgical Procedures eligible for the Day Care Procedure Benefit in respect of an Insured equals this lifetime maximum limit, the Day Care Procedure Benefit in respect of that Insured will cease immediately.
The Benefit Limits specified in the above clauses in respect of an Insured under this Policy, shall solely and exclusively apply to that Insured. Any unclaimed Day Care Procedure Benefit of any one Insured is not transferable to any other Insured.
If a Day Care Procedure Benefit is performed no Hospital Cash Benefit shall be paid.

D) Other Surgical Benefit:
If more than one Surgical Procedure is performed on the Insured, through the same incision or by making different incisions, during the same surgical session, the Corporation shall only pay for one Surgical Procedure.
The Other Surgical Benefit shall be paid as a Daily Benefit and is subject to providing proof of Surgery to the satisfaction of the Corporation.
All Surgical Procedures claimed should be confirmed as essential and required, by a qualified Physician or Surgeon, to the satisfaction of the Corporation.
The Other Surgical Benefit will be payable only after the Corporation is satisfied on the basis of medical evidence that the specified Surgical Procedure covered under the policy has been performed.
The Other Surgical Benefit shall be payable only if the Surgical Procedure has been performed within India.
The total number of days of Hospitalization for which the Other Surgical Benefit is payable during a Policy Year in respect of each and every Insured covered under the Policy shall not exceed 15 (fifteen) days in the first Policy Year following the date of commencement of cover in respect of that Insured and 45 (forty five) days for the second and subsequent Policy Years following the date of commencement of cover in respect of that Insured.
The total number of days of Hospitalization for which the Other Surgical Benefit is payable during the Cover Period, in respect of each and every Insured covered under the Policy shall not exceed a maximum limit of 360 (three hundred and sixty) days. Upon attainment of this lifetime maximum limit, the Other Surgical Benefit in respect of that Insured will cease immediately.
The Benefit Limits specified in the above clauses in respect of an Insured under this Policy, shall solely and exclusively apply to that Insured. Any unclaimed Other Surgical Benefit on any one Insured is not transferable to any other Insured.

Commencement And Termination Of Benefit Covers
The Hospital Cash Benefit, Major Surgical Benefit, Day Care Procedure Benefit and Other Surgical Benefit cover in respect of each Insured covered under your policy shall commence on the Date of Cover Commencement individually stated in the Policy Schedule.

The Hospital Cash Benefit, Major Surgical Benefit, Day Care Procedure Benefit and Other Surgical Benefit cover in respect of each Insured shall terminate at the earliest of the following:

The Date of Cover Expiry mentioned in the Policy Schedule;
On exhausting all the lifetime maximum Benefit Limits as specified in Para 11 above;
On death or Date of Cover Expiry of the Principal Insured and if the Policy does not continue with the Insured Spouse as the Principal Insured;
On death or Date of Cover Expiry of Insured Spouse after the Policy continues with the Insured Spouse as the Principal Insured after the PI dies or reaches his/her Date of Cover Expiry.
On death of the Insured;
In respect of the Insured Spouse, on divorce or legal separation from the Principal Insured;
On termination of the Policy due to non-payment of premium or any other reason.
Termination of Policy:

A) If policy is issued on single life:
The policy shall terminate at the earliest of the following:
Non-payment of premiums within the revival period;
On death;
On the Date of Cover Expiry mentioned in the Policy Schedule;
On exhausting all the lifetime maximum Benefit Limits as specified in Para 11 above.

B) If policy is issued on more than one life:
The policy shall terminate at the earliest of the following:

Non-payment of premiums within the revival period;
On PI exhausting all the lifetime maximum Benefit Limits as specified in Para 11 above.
On death or Date of Cover Expiry, of the Principal Insured and if the Policy does not continue with the Insured Spouse as the Principal Insured.
On the death or Date of Cover Expiry, of Insured Spouse after the Policy continues with the Insured Spouse as the Principal Insured after the PI dies or reaches his/her Date of Cover Expiry.

Waiting Period:
General waiting period:
There shall be no general waiting period in case Hospitalization or Surgery is due to Accidental Bodily Injury. There shall be a general waiting period during which no benefits shall be payable in the event of Hospitalization or Surgery, if the said Hospitalization or Surgery occurred due to Sickness.
The general waiting period shall be 90 (ninety) days from the Date of Cover Commencement in respect of each Insured.
If the policy is revived after discontinuance of the Cover then the following shall apply in respect of each Insured:
If the request for revival is received by the Corporation within 90 (ninety) days from the due date of the first unpaid premium, then there shall be a general waiting period of 45 (forty five) days from the Date of Revival in respect of each Insured.
If the request for revival is received by the Corporation beyond 90 (ninety) days from the due date of the first unpaid premium, then there shall be a general waiting period of 90 (ninety) days from the Date of Revival in respect of each Insured.

Specific waiting period:
In addition, in respect of each Insured, no benefits are available hereunder and no payment will be made by the Corporation for any claim under this Policy on account of Hospitalization or Surgery directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following during the specific waiting period:

Treatment for adenoid or tonsillar disorders
Treatment for anal fistula or anal fissure
Treatment for benign enlargement of prostate gland
Treatment for benign uterine disorders like fibroids, uterine prolapse, dysfunctional uterine bleeding etc
Treatment for Cataract
Treatment for Gall stones
Treatment for slip disc
Treatment for Piles
Treatment for benign thyroid disorders
Treatment for Hernia
Treatment for hydrocele
Treatment for degenerative joint conditions
Treatment for sinus disorders
Treatment for kidney or urinary tract stones
Treatment for varicose veins
Treatment for Carpal tunnel syndrome
Treatment for benign breast disorders e.g. fibroadenoma, fibrocystic disease etc
The specific waiting period in respect of the treatments specified in the list above shall be as follows:

The specific waiting period shall be 2 (two) years from the Date of Cover Commencement in respect of each Insured.
If the policy is revived after discontinuance of the Cover then the following shall apply in respect of each Insured:
If the request for revival is received by the Corporation within less than 90 (ninety) days from the due date of the first unpaid premium, then the specific waiting period shall continue to be till 2 (two) years from the Date of Cover Commencement in respect of each Insured.
If the request for revival is received by the Corporation beyond 90 (ninety) days from the due date of the first unpaid premium, then there shall be a specific waiting period of 2 (two) years from the Date of Revival in respect of each Insured
No charges for this benefit shall be deducted after the benefit ceases.