Click 2 Protect
Health

Yes, the health part of the Click 2 Protect Health allows any health policy from another insurer to be ported, subject to waiting periods.

Under this option your nominee will get a Lumpsum Benefit on death or diagnosis of Terminal Illness. Your future premiums will be waived upon Accidental Total Permanent Disability. These benefits are available under all plan options.

In addition to the benefits under Life Option, you will receive an additional benefit of waiver of your future premiums upon diagnosis of Critical Illness under 3D Life option.

In addition to the benefits under Life Option, you get an additional Extra Life Sum Assured upon death due to Accident under Extra Life option. Customer has the flexibility to select the amount of Extra Life Sum Assured (maximum upto Base Sum Assured).

In addition to the benefits under Life Option, Life Assured is covered for whole life under Life Long Protection option.

Under this feature, you have the option to increase the basic Sum Assured without underwriting on any of the below specified events in the life of the Life Assured

• 1stMarriage: 50% of Sum Assured subject to a maximum of Rs. 50 lakhs

• Birth of 1st child: 25% of Sum Assured subject to a maximum of Rs. 25 lakhs

• Birth of 2nd child: 25% of Sum Assured subject to a maximum of Rs. 25 lakhs

This feature is available under all plan options

This option provides for a systematic increase of your cover from 1st policy anniversary onwards. This option is available under all plan options and has to be opted at policy inception.

You shall have the option to alter the premium payment frequency at any Policy anniversary.

These plan options provide Waiver of Premium benefit if the Life Assured is diagnosed with any of the 34 covered Critical Illness.

ATPD means when the life assured is totally, continuously and permanently disabled and meets either of the two definitions below:

• Unable to Work:
  Disability as a result of injury or accident and is thereby rendered totally incapable of being engaged in any work or any occupation or employment for any compensation, remuneration or profit and he/she is unlikely to ever be able to do so.

• Physical Impairments:
  The life assured suffers an injury/accident due to which there is total and irrecoverable loss of:
  i. The use of two limbs; or
  ii. The sight of both eyes; or
  iii. The use of one limb and the sight of one eye; or
  iv. Loss by severance of two or more limbs at or above wrists or ankles; or
  v. The total and irrecoverable loss of sight of one eye and loss by severance of one limb at or above wrist or ankle.
  The disabilities as stated under “Unable to Work” and “Physical Impairments” must have lasted, without interruption, for at least 6 consecutive months and must, in the opinion of a medical practitioner (as defined below), be deemed permanent. The benefit will commence upon the completion of this uninterrupted period of 6 months. However, for the disabilities mentioned in (iv) and (v) under Part (2), such 6 months period would not be applicable and the benefit will commence immediately.

A life assured shall be regarded as terminally ill only if that life assured is diagnosed as suffering from a condition which, in the opinion of two independent medical practitioners’ specializing in treatment of such illness, is highly likely to lead to death within 6 months. The terminal illness must be diagnosed and confirmed by medical practitioners’ registered with the Indian Medical Association and approved by the Company. The Company reserves the right for independent assessment. Terminal illness due to AIDS is excluded. The definition of medical practitioner will be in line with Guidelines on Standardization in Health Insurance, and as defined below: A Medical Practitioner is a person who holds a valid registration from the Medical Council of any State or Medical Council of India or Council for Indian Medicine or for Homeopathy set up by the Government of India or a State Government and is thereby entitled to practice medicine within its jurisdiction; and is acting within the scope and jurisdiction of licence. The person must be qualified in allopathic system of medicine and shall not be the Life Assured himself/herself.

The maximum number of members included in a family floater if 4. The available combinations are
Adults, 2 Adults +1 child, 2 Adults +2 Children, 1 Adult +1 Child, 1 Adult +2 Children, 1 Adult + 3 Children.

It is a renewal discount offered based on your average step count recorded in the mobile application provided by Us in the specified time interval. For a 1 year Policy, average step count is calculated for 4 different time intervals based on which discount for that interval is calculated. During renewal discount calculated for these intervals is accrued and applied on the Premium applicable. For a 2 year Policy, this is done for 8 different time intervals.

You have to download the mobile application provided by us using which steps taken by you are counted and recorded.

This benefit is applicable to only adult members in the policy. Dependent children will not be considered for calculation of average steps.

In an individual policy, discount % would be applied on premium applicable per insured member based on the average step count calculated for each.

In a floater policy, discount % would be applied on premium applicable for Policy based on the average step count of all the Adult members in the policy. For example, in a 2A+2C floater policy, average steps of 2 Adults is computed based on which eligible discount is given.

The discount calculation for the adult member added in the mid- term of the policy will be done from the next time interval and not the ongoing time interval in which he/she has been added to the policy.

When an adult dependent is deleted from an individual policy he/she will be logged out of the StayActive application and any discount accrued for that member before cancellation cannot be transferred/Monetized.

When a Primary Insured is deleted, existing policy is cancelled and a new Policy is issued with a new policy number and member Id with the same Risk Start Date. Deleted member will be removed from the StayActive benefit and the remaining members will have to link the new member id with the existing login. After linking all the accrued steps and discount of the members will continue under new member id.

For calculation of average steps and discount, steps walked by the new member added will be considered from the next time interval and not the in ongoing time interval in which he/she has been added to the policy.

When an adult dependent is deleted from an individual policy he/she will be logged out of the StayActive application. Steps walked by the deleted member before deletion will be considered for calculation of Average steps and discount. After the member deletion average will be calculated based on the steps walked by remaining members.

When a Primary Insured is deleted, existing policy is cancelled and a new Policy is issued with a new policy number and member Id with the same Risk Start Date. Deleted member will be removed from the Stay Active benefit and the remaining members will have to link the new member id with the existing login. After linking all the accrued steps and discount of the members will continue under new policy number and Steps walked by the member before deletion will be considered for calculation of Average steps and discount.

No, it is not cashless. You will be paid either actual expenses or ₹ 2.5 Lakhs per hospitalization if all the specified conditions are satisfied.

This will be on reimbursement basis.

It will be decided by claims team during claim processing based on the treating doctor`s certificate and case papers for reimbursement.

Internal congenital may or may not be genetic.

There is no standard hospital list available for Critical Advantage rider, basis the condition and complexity of the treatment, options for network hospital are provided to the customer to select from.