General Insurance Policy

Asha Kiran Policy

Health Coverage Policy:

• Health insurance protection for family having only girl children
• 50% discount on Health Insurance premium for the girl children

Personal Accident Coverage Policy : (only for parents)
• In case of unfortunate event of Accidental Death or Permanent Total Disablement of
Single parent : Full Sum Insured will be paid;
Both Parents : 200% of Sum Insured will be paid.

Benefits :
Floater Sum Insured of t 2 lakhs, t 3 lakhs, 51akhs and t 81akhs available.
Members covered : Self, Spouse and dependent daughter/s.
Hospital Cash payable at the rate of 0.1% per day maximum up to 1% of Sum Insured for Any One Illness.
Critical Care Benefit of 10% of Sum Insured as additional benefit.
Ambulance charges upto 1% of Sum Insured.
AYUSH treatment up to 25% ofthe Sum Insured.
Free Look Period up to 15 days.
Tax Benefit under 80D of Income Tax Act.
Attractive Zone wise premium.
Pre-Hospitalisation expenses up to 30 days.
Post-Hospitalisation expenses up to 60 days.
Cashless hospitalisation in Network hospitals across India.
No loading for adverse claim experience.
More than 74 Day Care procedu res covered.

Major Exclusions :

Treatment of any Pre-existing Condition / Disease will not be paid, until 48 months of Continuous Coverage of such Insured Person
have elapsed.

Any Illness contracted during the first 30 days of the commencement date ofthis Policy.

Waiting period of twenty four months for named diseases.

Waiting period of forty eight months for age related disorders Payment or compensation in respect of Death, Injury or Disablements directly or indirectly arising out of or contributed to or traceable to any Disability already existing on the date of commencement ofthis policy.

Dental treatment or Surgery of any kind unless necessitated by Accident and requiring Hospitalisation.

Maternity Expenses, treatment arising from or traceable to pregnancy, miscarriage, abortion or complications

Genetic disorders and stem cell Implantation / Surgery.

Domiciliary Hospitalisation

Major Conditions :
Communication :
You must send all communications or documents to the TPA for health claims and to the policy issuing office for personal accident claims or any other matter.

Basis of Insurance :
The policy is issued of the basis of truth and accuracy of statements in proposal.

Premium :
Unless premium is paid before commencement of risk, the policy shall have no effect.

Enhancement of Sum Insured :
Enhancement of Sum Insured will be permitted after two claim free years of continuous coverage with us.

Portability :
The policy is subject to Protection of Policyholders' Interest Regulations, 2002 and Portability Guidelines issued by IRDA.

Grievance Redressal :
In the event of Your having any grievance relating to the insurance, You may contact any of the Grievance Cells at Regional Offices of the Company or Office of the Insurance Ombudsman.