Insurance
| ICICI Lombard | |
|---|---|
| Product Offerings | |
| Income Protect ( Critical Illness ) |
- Lump sum payout of sum insured in case of first-time diagnosis of any one of the name 33 critical
illness as specified in policy wording - A mandatory waiting period of 90 days is applicable - Any critical illness arising out of a pre-existing disease will not be covered - Only 1 claim will be accepted in a policy year under this cover. On acceptance of a claim under this benefit, the policy will cease and no further renewals will be allowed) - Refer policy wordings |
| Group Safeguard Insurance |
- Lump sum payout of sum insured to nominee or insured as the case maybe for Death or permanent
total disablement due to accidental injuries. - For permanent partial disablement, disability grid will be followed for payout. - Lump sum payout in case of death or permanent total disablement arising out of injuries solely occurred due to an accident during the policy period - "Rs. 5000/ week up to Rs. 1 Lakh in case of temporary total disablement arising out of injuries solely due to an accident during the policy period. If the Injury is in relation to the spine, ligamentous system, cartilage, nervous system and blood supply to the spine which is not detectable by means of radiological scanning, imaging, or neurological fallout testing, then our liability under this Benefit shall extend for a maximum period of five (5) weeks." - Accidental injury related benefits, refer policy wordings |
| Hospital Daily Cash Benefit |
- A minimum of 24 hours of Hospitalization is necessary for the benefit to be triggered - "A daily cash allowance of Rs 5000 per day will be paid to you for each day spent in hospital up to max 30 days as specified in the policy" - "30 days waiting period, 24 months waiting period for pre-existing diseases and standard exclusions are waived off” - Refer policy wordings |
| Group Hospishield Insurance Convalescence benefit (EMI benefit) |
- This will be offered in the 1st year only irrespective of policy tenure - A minimum of 10 days hospitalisation is mandatory for benefit to be triggered. - Initial waiting period of 30 days is applicable - Waiting period for PED & std. exclusions is waived - Refer policy wordings |
| Childrens Education Grant Benefit |
- If the insured person dies or is permanently disabled in an accident, the policy will pay the education
grant. - The benefit is payable for up to 2 dependent children (below 25 years, financially dependent). - The claim is payable only once during the policy period. - If the child also passes away before receiving the grant, the amount will go to their legal heirs. - Other benefits under the policy will continue as per terms. - Refer policy wordings |
| Ambulance Benefit |
- Covers reasonable ambulance expenses if the insured person suffers an accident, illness, or injury that
requires emergency care and hospitalization. - Transportation covered:
- Benefit can be claimed only once during the policy period (limit as per policy certificate). - Other policy benefits will continue as per terms even after this claim. - Refer policy wordings |
| In patient Hospitalization (Accidental) |
- C overs hospitalization due to accidents only. - Minimum 24 hours of hospitalization required. - Hospitalization must begin within 7 days of the accident. - AYUSH & domiciliary hospitalization are not covered. - Covers reasonable in-patient medical expenses such as:
- Refer policy wordings |
| Merchant Insurance |
- This policy provides protection for any loss or damage to your shoe contents against Fire, Lightning, Storm,
Floods, Earthquake, Riot, Strike, Malicious Damage, Earthquake, Terrorism and Burglary
Fire: It covers loss or damage to building contents due to fire, lightning, strike, riot, storm, cyclone, flood etc.
Burglary: It covers any loss or damage caused by burglary or attempt of burglary to contents in your shop
Any loss or damage within 15 days from policy start date will not be covered under the policy
Theft is not under covered the policy - Refer here policy wordings |
| Acko | |
|---|---|
| Product Offerings | |
| Critical Illness |
- Lump sum payout of sum insured in case of first-time diagnosis of any one of the name 3 6 critical
illness as specified in policy wording - A mandatory waiting period of 30 days is applicable - A mandatory survival period of 7 days is applicable - Any critical illness arising out of a pre-existing disease will not be covered - A fixed benefit of Principal Loan Amount is payable at the time of firstdiagnosis of Critical Illness during the Coverage Period. - Age Limit Up to 45 years - Refer policy wordings |
| Accidental Benefits |
- Lump sum payout of sum insured to nominee or insured as the case maybefore Death or permanent
total disablement due to accidental injuries. - For permanent partial disablement, disability grid will be followed for payoutup to principal loan amount in case of death or permanent total disablement arising out of injuries solely occurred due to an accident during the policy period - Rs. 5000/ week up to Rs. 1 Lakh in case of temporary total disablementarising out of injuries solely due to an accident during the policy period. - Accidental injury related benefits, refer policy wording - Age Limit 18-60 years - Refer policy wordings |
| Hospital Daily Cash Benefit |
- A daily cash allowance of Rs 5000 per day will be paid to you for each dayspent in hospital up to max
30 days as specified in the policy - Minimum 24 hours of hospitalization is required. - Covered for a maximum of 30 days of hospitalization. - Hospitalization due to maternity is not covered. - Pre-existing disease not covered - Age Limit 18-60 years - Refer policy wordings |
| Missed Bill Payment |
- Defaults on payment of a credit card bill or an essential utility bill such as water, electricity or gas, on or
before the due date for making such payment - Payable up to 8 bills missed up to SI due to hospitalisation within 3 days of the due date - Covers penalty and interest on existing loans, credit card bills, utility bills - Refer policy wordings |
| Childrens Education Grant Benefit |
- If the insured person dies or is permanently disabled in an accident, the policy will pay the education
grant. - The benefit is payable for up to 2 dependent children (below 25 years, financially dependent). - The claim is payable only once during the policy period. - If the child also passes away before receiving the grant, the amount will go to their legal heirs. - Other benefits under the policy will continue as per terms. - Refer policy wordings |
| Ambulance Benefit |
- Covers reasonable ambulance expenses if the insured person suffers an accident, illness, or injury that
requires emergency care and hospitalization. - Transportation covered:
- Benefit can be claimed only once during the policy period (limit as per policy certificate). - Other policy benefits will continue as per terms even after this claim. - Refer policy wordings |
| In patient Hospitalization (Accidental) |
- Covers hospitalization due to accidents only. - Minimum 24 hours of hospitalization required. - Hospitalization must begin within 7 days of the accident. - AYUSH & domiciliary hospitalization are not covered. - Covers reasonable in-patient medical expenses such as:
- Refer policy wordings |
| HDFC Life | |
|---|---|
| Product Offerings | |
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- Lump sum payout of sum insured in case of Insured s untimely demise except in case of suicide
in first 12 months - Tax benefit under section 80C, refer here policy wordings |
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| Kotak Life - Website Url https://www.kotaklife.com | |
|---|---|
| Product Offerings | |
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- Lump sum payout of sum insured in case of Insured s untimely demise except in case of suicide
in first 12 months - Tax benefit under section 80C, refer here policy wordings |
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