Aviva Health Secure
Aviva Health Secure Plan is a health insurance plan with advanced critical illness benefit. It is a Traditional Plan without Bonus Facility. This plan can be purchased ONLINE.
Key Features
The person insured needs to survive for at least 30 days after diagnosis with any of the mentioned critical illnesses for the sum assured to be paid.
Benefits
No death benefits will be payable on the death of any Insured
There are no maturity benefits under this plan.
How it works
This plan can be take for a period of 10 to 30 years and premium needs to be paid throughout. However, once the premium amount has been determined, it remains constant for a period of at least 5 years. The premium would be renewed only after 5 years and with an approval from the IRDA
Critical Illnesses Covered In this plan:
- First Heart Attack
- Stroke resulting in permanent symptoms etc.
Please note:
Minimum age is 18 years and maximum agte is 55 years. The cover starts after 90 days and you need to survive for 30 dyas contracting a critical illness to receive the benefit.Taxes including but not limited to service tax,Cess as applicable shall also be levied as notified by the.Government from time to tome.Tax laws are subject to change.
Eligibility
|
Minimum
|
Maximum
|
Sum Assured (in Rs.)
|
5,00,000
|
50,00,000
(including Critical Illness cover taken under other policies)
|
Policy Term (in years)
|
10
|
30
|
Premium Paying Term (in years)
|
Equal to Policy Term
|
|
Entry Age of Self/Spouse (in years)
|
18
|
55
|
Age at Maturity (in years)
|
28
|
65
|
Annual Premium (in Rs.)
|
2,000
|
No Limit
|
Payment modes
|
Yearly and Half-yearly only
|
Exclusions
- Person under the following cases are not covered:
- Alcohol or drug abuse including drug taking other than prescribed by a registered and qualified medical practitioner, any actual or alleged crime committed by the Insured, wilful self inflicted injury and attempted suicide
- Failure to seek or follow medical advice
- Engaging in racing of any kind other than athletics or swimming
- Any form of war, invasion, hostilities (whether war be declared or not), civil war, rebellion, riots, social disorder, insurrection, military or usurped power, or wilful participation in acts of violence
- Radioactive contamination due to a nuclear accident
- Any mental or functional disorder, where the definitions are:
- Functional disorder is a disorder of physiological function having no known organic basis.
- Mental disorder is any clinically significant behavioural or psychological syndrome characterized by the presence of distressing symptoms, impairment of functioning, or significantly increased risk of suffering death, pain, or other disability.
- Participation in sports or pastimes of a hazardous nature including (but not limited to) parachuting, potholing, mountaineering and hot air ballooning.
- Any condition existing prior to the Commencement Date except as stated in the Schedule.
FAQs
There are no surrender benefits under this term plan.
Loan facility is not available under this policy.